body.beacon{padding-top:105px}@media (min-width:1240px){body.beacon{padding-top:158px}}body.beacon #js-nav-mobile-supplemental{display:none}body.beacon .global-header-wrapper .flex-row{justify-content:space-between}@media (min-width:1240px){body.beacon .global-header-wrapper .flex-row .logo{margin:0;margin:initial}}body.beacon .global-header-wrapper .flex-row .global-items .menu-utility .menu-item{margin-left:var(--spacing-m)}@media (max-width:1239px){body.beacon .global-header-wrapper .flex-row .global-items .menu-utility .menu-item{display:none}}body.beacon .global-header-wrapper .flex-row .global-items .menu-utility .menu-item a{color:var(--c-gray-b);font-size:var(--fs-16);font-weight:var(--fw-bold)}body.beacon .global-header-wrapper .flex-row .global-items .menu-utility .menu-item a:focus,body.beacon .global-header-wrapper .flex-row .global-items .menu-utility .menu-item a:hover{color:var(--c-gray-h);text-underline-offset:2px}body.beacon .global-header-wrapper .flex-row .global-items .menu-utility .menu-item a:active{color:var(--c-gray-a);-webkit-text-decoration:none;text-decoration:none}body.beacon .global-header-wrapper .flex-row .global-items .menu-utility .search-toggle-container{margin-left:var(--spacing-xl)}body.beacon .site-header>.site-navigation{display:none}body.beacon .site-header .logo{height:auto;max-width:200px}body.beacon .site-header.sticky .logo{max-width:200px}@media (min-width:1240px){body.beacon .site-header .global-header{padding:var(--spacing-ms) 0}}body.beacon .nav-mobile .site-navigation{display:none}body.beacon .nav-mobile .mobile-footer li a{border-bottom:1px solid var(--c-gray-e);color:var(--c-gray-b);font-size:var(--fs-16);font-weight:var(--fw-bold);margin-bottom:var(--spacing-s);margin-left:calc(var(--spacing-m)*-1);margin-right:calc(var(--spacing-m)*-1);padding:0 var(--spacing-m) var(--spacing-s) var(--spacing-m)}body.beacon .nav-mobile .mobile-footer li a:focus,body.beacon .nav-mobile .mobile-footer li a:hover{color:var(--c-gray-h);text-underline-offset:2px}body.beacon .nav-mobile .mobile-footer li a:active{color:var(--c-gray-a);-webkit-text-decoration:none;text-decoration:none}body.beacon .nav-mobile a.logo img{height:24px;width:auto}body.beacon main .wrapper{max-width:none;padding-bottom:var(--spacing-xl);padding-left:var(--spacing-ml);padding-right:var(--spacing-ml)}@media (min-width:768px){body.beacon main .wrapper{padding-bottom:var(--spacing-xxxl)}}body.beacon main .wrapper>:where(*){margin-left:auto;margin-right:auto;max-width:var(--layout-default)}body.beacon main .wrapper>:where(.alignwide){max-width:var(--layout-wide)}body.beacon main .wrapper>:where(.alignfull){margin-left:calc(var(--spacing-ml)*-1);margin-right:calc(var(--spacing-ml)*-1);max-width:var(--layout-full)}body.beacon main .wrapper>:where(.alignleft){margin-right:1rem}body.beacon main .wrapper>:where(.alignright){margin-left:1rem}body.beacon main .wrapper>[class*=wp-block]:not(.wp-block-paragraph):not(.wp-block-heading):not(.wp-block-buttons):not(.wp-block-spacer){margin-top:var(--spacing-xl)}@media (min-width:768px){body.beacon main .wrapper>[class*=wp-block]:not(.wp-block-paragraph):not(.wp-block-heading):not(.wp-block-buttons):not(.wp-block-spacer){margin-top:var(--spacing-xxxl)}}body.beacon main .wrapper .wp-block-group>[class*=wp-block]:not(.wp-block-paragraph):not(.wp-block-heading):not(.wp-block-buttons):not(.wp-block-spacer){margin-top:var(--spacing-l)}@media (min-width:768px){body.beacon main .wrapper .wp-block-group>[class*=wp-block]:not(.wp-block-paragraph):not(.wp-block-heading):not(.wp-block-buttons):not(.wp-block-spacer){margin-top:var(--spacing-xl)}}body.beacon main .wrapper>[class*=wp-block]:first-child{margin-top:0!important}body.beacon h1,body.beacon h2,body.beacon h3,body.beacon h4,body.beacon h5,body.beacon h6{font-weight:var(--fw-bold);margin-bottom:var(--spacing-ms);margin-top:0}body.beacon h1 strong,body.beacon h2 strong,body.beacon h3 strong,body.beacon h4 strong,body.beacon h5 strong,body.beacon h6 strong{font-weight:var(--fw-bold)}body.beacon p{color:var(--c-gray-b);margin-bottom:0;margin-top:0}body.beacon p:not(:last-child){margin-bottom:var(--spacing-ms)}body.beacon .wrapper a{-webkit-text-decoration:underline;text-decoration:underline}body.beacon .wrapper a:focus,body.beacon .wrapper a:hover{-webkit-text-decoration:none;text-decoration:none}body.beacon .entry-featured-image .source,body.beacon .ipm_image_source{clear:both;display:block;font-family:var(--f-text);font-size:var(--fs-12);margin-bottom:0;margin-top:var(--spacing-s);padding-top:var(--spacing-s);text-align:left}body.beacon .wp-caption.aligncenter .ipm_image_source{padding-top:0;text-align:center}body.beacon .wp-caption.alignright .ipm_image_source{text-align:right}body.single.beacon{padding-top:57px}@media (min-width:1240px){body.single.beacon{padding-top:86px}}body.single.beacon .interior-article{margin-left:auto;margin-right:auto;max-width:var(--layout-default);padding-top:0}body.single.beacon .interior-article .custom-bread-crumb{margin-bottom:var(--spacing-m);margin-left:auto;margin-right:auto}body.single.beacon .interior-article .custom-bread-crumb a{color:var(--c-twitter)}body.single.beacon .interior-article .custom-bread-crumb ul{color:var(--c-white)}body.single.beacon .interior-article .breadcrumb-trail ul:after{background-color:var(--c-gray-a)}body.single.beacon .interior-article .interior-article-header{background-color:var(--c-gray-a);clear:both;left:50%;margin-bottom:0;margin-left:-50vw;margin-right:-50vw;padding:var(--spacing-xl) var(--spacing-ml) 70px var(--spacing-ml);position:relative;right:50%;width:100vw}@media (min-width:768px){body.single.beacon .interior-article .interior-article-header{padding:var(--spacing-xl) var(--spacing-ml) 140px var(--spacing-ml)}}body.single.beacon .interior-article .interior-article-header .interior-article-header__container{color:var(--c-white);margin-left:auto;margin-right:auto;max-width:var(--layout-default);text-align:center}body.single.beacon .interior-article .interior-article-header .article-header-title{color:var(--c-white);font-size:var(--fs-40-53)}body.single.beacon .interior-article .interior-article-header .article-subtitle{color:var(--c-white);font-size:var(--fs-24)}body.single.beacon .interior-article .interior-article-header .byline{margin-top:var(--spacing-ms)}body.single.beacon .interior-article .interior-article-header .byline.byline--edited{background-color:var(--c-gray-h);border-radius:5px;display:inline-block;margin-top:var(--spacing-xs);padding:var(--spacing-xs) var(--spacing-s)}body.single.beacon .interior-article .interior-article-header .byline.byline--edited .meta-prep{color:var(--c-gray-j);font-weight:var(--fw-reg)}body.single.beacon .interior-article .interior-article-header .byline.byline--edited .author,body.single.beacon .interior-article .interior-article-header .byline.byline--edited .author a,body.single.beacon .interior-article .interior-article-header .byline.byline--edited .post-date{color:var(--c-gray-j)}body.single.beacon .interior-article .interior-article-header .byline .author,body.single.beacon .interior-article .interior-article-header .byline .author a{color:var(--c-white)}body.single.beacon .interior-article .interior-article-header .byline .meta-prep{font-weight:var(--fw-bold)}body.single.beacon .interior-article .interior-article-header .byline .post-date{color:var(--c-gray-i);font-weight:var(--fw-reg)}body.single.beacon .interior-article .entry-content p{color:var(--c-gray-a)!important}body.single.beacon .interior-article .entry-content .editorial-note{background-color:var(--c-gray-f);border:1px solid var(--c-gray-j);border-radius:4px;display:block;margin-bottom:var(--spacing-xl);padding:var(--spacing-s) var(--spacing-m)}body.single.beacon .interior-article .entry-content .editorial-note p{color:var(--c-gray-h)!important;font-family:var(--f-text);font-size:var(--fs-16)}body.single.beacon .interior-article .entry-content>[class*=wp-block]:not(.wp-block-paragraph):not(.wp-block-heading):not(.wp-block-buttons):not(.wp-block-spacer){margin-bottom:var(--spacing-xl)}body.single.beacon .interior-article .entry-content .wp-block-group>[class*=wp-block]:not(.wp-block-paragraph):not(.wp-block-heading):not(.wp-block-buttons):not(.wp-block-spacer){margin-bottom:var(--spacing-l)}@media (min-width:768px){body.single.beacon .interior-article .entry-content .wp-block-group>[class*=wp-block]:not(.wp-block-paragraph):not(.wp-block-heading):not(.wp-block-buttons):not(.wp-block-spacer){margin-bottom:var(--spacing-xl)}}body.single.beacon .interior-article .entry-content>:where(.alignwide){margin-left:calc(var(--spacing-ml)*-1);margin-right:calc(var(--spacing-ml)*-1)}body.single.beacon .interior-article .entry-content>:where(.alignfull){clear:both;left:50%;margin-left:-50vw;margin-right:-50vw;position:relative;right:50%;width:100vw}body.single.beacon .interior-article .entry-featured-image{margin-bottom:var(--spacing-m);margin-top:-35px;position:relative;z-index:1}@media (min-width:768px){body.single.beacon .interior-article .entry-featured-image{margin-bottom:var(--spacing-xl);margin-left:calc(var(--spacing-xxl)*-1);margin-right:calc(var(--spacing-xxl)*-1);margin-top:-70px}}body.single.beacon .interior-article .ipm-inline-ad{display:none}body.beacon .entry-footer{clear:both;left:50%;margin-bottom:calc(var(--spacing-xxxl)*-1);margin-left:-50vw;margin-right:-50vw;margin-top:var(--spacing-xl);position:relative;right:50%;width:100vw}.bp-article-bottom .bp-article-author{display:flex;flex-wrap:wrap;gap:var(--spacing-ml);margin-left:auto;margin-right:auto;max-width:var(--layout-default)}.bp-article-bottom .bp-article-author img{border-radius:50%;flex-basis:150px;max-height:150px;max-width:150px;min-height:150px;min-width:150px}.bp-article-bottom .bp-article-author__content{flex-basis:100%}@media (min-width:768px){.bp-article-bottom .bp-article-author__content{flex-basis:calc(100% - 150px - var(--spacing-ml))}}.bp-article-bottom .bp-article-author__content p{color:var(--c-gray-a)}.bp-article-bottom .bp-article-author__content h2{font-size:var(--fs-28-45);margin-bottom:0}.bp-article-bottom .bp-article-author__content .bp-article-author__contrib{font-family:var(--f-headline-serif);font-style:italic}.bp-article-bottom .bp-article-related{border-top:2px solid #cce4f6;margin-left:auto;margin-right:auto;margin-top:var(--spacing-xl);max-width:var(--layout-wide);padding-top:var(--spacing-xl)}.bp-article-bottom .bp-article-related .related-articles{display:flex;flex-wrap:wrap;gap:var(--spacing-ml);justify-content:center;margin:0;margin-top:var(--spacing-m)}.bp-article-bottom .bp-article-related .related-article{background-color:var(--c-white);border:1px solid var(--c-gray-e);border-radius:10px;flex-basis:100%;position:relative}@media (min-width:768px){.bp-article-bottom .bp-article-related .related-article{flex-basis:310px}}.bp-article-bottom .bp-article-related .related-article-meta a{color:var(--c-gray-a)}.bp-article-bottom .bp-article-related .related-article-img{overflow:hidden;position:relative}.bp-article-bottom .bp-article-related .related-article-img:before{content:"";display:block;padding-bottom:41.93548387%;width:100%}.bp-article-bottom .bp-article-related .related-article-img img{border-top-left-radius:10px;border-top-right-radius:10px;bottom:0;height:100%;left:0;-o-object-fit:cover;object-fit:cover;position:absolute;right:0;top:0;width:100%;z-index:2}.bp-article-bottom .bp-article-related .related-article-desc{padding:var(--spacing-m)}.bp-article-bottom .bp-article-related .related-article-desc h3{margin-bottom:0;margin-top:0}.bp-article-bottom .bp-article-related .related-article-desc h3:focus,.bp-article-bottom .bp-article-related .related-article-desc h3:hover{-webkit-text-decoration:underline;text-decoration:underline}.bp-article-bottom .bp-article-related .related-article-desc h3 a{-webkit-text-decoration:none;text-decoration:none}.bp-article-bottom .bp-article-related .related-article-desc h3 a:before{content:"";display:block;height:100%;left:0;position:absolute;top:0;width:100%;z-index:2}.bp-article-bottom .bp-article-related .related-article-desc p{font-size:var(--fs-12);margin-top:var(--spacing-xs)}.bp-article-bottom .bp-article-related .related-article-desc p:last-child{margin-bottom:0}.bp-article-bottom .bp-article-related .related-article-desc p strong{color:var(--c-gray-a)}.bp-social-share{align-items:center;border-top:1px solid var(--c-gray-e);clear:both;display:flex;flex-basis:100%;font-family:var(--f-text)!important;font-size:var(--fs-16)!important;gap:var(--spacing-s);justify-content:center;list-style-type:none;margin:var(--spacing-xl) 0 0 0;padding:var(--spacing-s) 0 0 0}@media (min-width:768px){.bp-social-share{gap:var(--spacing-xl);padding-top:var(--spacing-m)}}.bp-social-share a{align-items:center;color:var(--c-gray-a);display:flex;flex-direction:column;gap:var(--spacing-xs);justify-content:center;position:relative;-webkit-text-decoration:none!important;text-decoration:none!important}.bp-social-share a:focus,.bp-social-share a:hover{cursor:pointer;opacity:.8}.bp-social-share a:focus svg,.bp-social-share a:hover svg{transform:scale(.75)}.bp-social-share svg{fill:var(--c-gray-a);height:30px;transform:scale(.65);transform-origin:50% 50%;transition:transform 1s cubic-bezier(.22,.89,.57,1);width:30px}.bp-social-share .clipboard-tooltip-message{background-color:var(--c-gray-a);border-radius:6px;bottom:135%;color:var(--c-white);font-size:var(--fs-12);left:50%;opacity:0;padding:var(--spacing-xs);position:absolute;text-align:center;transform:translateX(-50%);transition:all .3s ease-in-out;visibility:hidden;width:-moz-max-content;width:max-content;z-index:1}.bp-social-share .clipboard-tooltip-message.show{opacity:1;visibility:visible}.bp-social-share .clipboard-tooltip-message:after{border-color:var(--c-gray-a) transparent transparent transparent;border-style:solid;border-width:5px;content:"";left:50%;margin-left:-5px;position:absolute;top:100%}#js-copy-social-link svg{fill:none}body.beacon section.category{padding:0!important}body.beacon section.category .custom-bread-crumb{margin-bottom:var(--spacing-s);margin-left:auto;margin-right:auto;text-align:center}body.beacon section.category .subcategory-title{font-family:var(--ff-text);font-size:var(--fs-24-32);letter-spacing:0;padding:0;text-transform:none}body.beacon section.category .category-subcategory-header{border-bottom:none;margin-bottom:0}body.beacon .category-main{margin-top:var(--spacing-xl)}@media (min-width:768px){body.beacon .category-main{margin-top:var(--spacing-xxl)}}body.beacon .load-more{-webkit-text-decoration:none!important;text-decoration:none!important}body.author.beacon{padding-top:58px}@media (min-width:1240px){body.author.beacon{padding-top:87px}}body.author.beacon .individual-analyst{background-color:var(--c-blue-f)}body.author.beacon .author-header__meta p{color:var(--c-gray-a)}body.author.beacon .author-recent .category-subcategory-header{border-bottom:1px solid #d6d6d6;display:inline-block;font-family:var(--f-headline-serif);font-size:var(--fs-21);text-transform:uppercase}body.author.beacon .subcategory-title{margin-bottom:0}@media (min-width:1024px){body.author.beacon .author-grid{grid-template-columns:repeat(2,1fr)}}.myFinance-widget{margin-left:auto!important;margin-right:auto!important;max-width:var(--layout-wide)}.has-light-blue-background-color{background-color:var(--c-blue-f)!important}.has-light-blue-color{color:var(--c-blue-f)!important}.has-mid-gray-background-color{background-color:var(--c-gray-b)!important}.has-mid-gray-color{color:var(--c-gray-b)!important}.has-dark-gray-background-color{background-color:var(--c-gray-a)!important}.has-dark-gray-color{color:var(--c-gray-a)!important}.has-white-background-color{background-color:var(--c-white)!important}.has-white-color{color:var(--c-white)!important}.has-blue-background-color{background-color:var(--c-primary)!important}.has-blue-color{color:var(--c-primary)!important}.has-green-background-color{background-color:var(--c-bullish)!important}.has-green-color{color:var(--c-bullish)!important}.has-h-1-font-size{font-size:var(--fs-40-53)}.has-h-2-font-size{font-size:var(--fs-24-32)}.has-h-3-font-size{font-size:var(--fs-24-28)}.has-h-4-font-size{font-size:var(--fs-21)}.has-h-5-font-size{font-size:var(--fs-13-16)}.has-body-large-font-size{font-size:var(--fs-18-19)}.has-body-font-size{font-size:var(--fs-16-17)}.has-body-small-font-size{font-size:var(--fs-14)}.has-body-xsmall-font-size{font-size:var(--fs-12)}.wp-block-group.has-background{padding:var(--spacing-xl) var(--spacing-ml)}.wp-block-group>:where(.alignwide){margin-left:auto;margin-right:auto;max-width:var(--layout-wide)}.is-style-bp-eyebrow{color:var(--c-primary)!important;font-family:var(--f-text);font-size:var(--fs-12);font-weight:var(--fw-bold);letter-spacing:1px;margin-bottom:var(--spacing-s)!important;text-transform:uppercase}.wp-block-image{margin:0 0 var(--spacing-m) 0}.wp-block-columns{gap:var(--spacing-ml)!important}.wp-block-media-text.beacon-post-collection{border:1px solid var(--c-gray-e);border-radius:5px}.wp-block-media-text.beacon-post-collection .wp-block-media-text__media{border-bottom-left-radius:5px;border-top-left-radius:5px;margin:-1px}.wp-block-media-text.beacon-post-collection .wp-block-media-text__content{padding:var(--spacing-ml);padding-left:var(--spacing-m)}.wp-block-column.beacon-post-collection{background-color:var(--c-white);border:1px solid var(--c-gray-e);border-bottom-left-radius:5px;border-bottom-right-radius:5px}.wp-block-column.beacon-post-collection .wp-block-image{aspect-ratio:368/200;margin:-2px -1px 0 -1px;overflow:hidden;position:relative}.wp-block-column.beacon-post-collection .wp-block-image img{border-top-left-radius:5px;border-top-right-radius:5px;display:block;height:100%;-o-object-fit:cover;object-fit:cover;transition:transform .6s ease;width:100%}.wp-block-column.beacon-post-collection .beacon-post-collection__content{padding:var(--spacing-m)}.beacon-post-collection a{color:var(--c-gray-a);-webkit-text-decoration:none!important;text-decoration:none!important}.beacon-post-collection a:hover{-webkit-text-decoration:underline!important;text-decoration:underline!important}.wp-block-post-collection-grid{display:grid;grid-row-gap:var(--spacing-m);grid-template-columns:1fr}@media (min-width:1024px){.wp-block-post-collection-grid{grid-column-gap:40px;grid-row-gap:var(--spacing-ml);grid-template-columns:repeat(4,1fr);grid-template-rows:repeat(2,1fr)}}.wp-block-post-collection-grid .post-collection-post:first-child{padding:var(--spacing-m)}@media (min-width:1024px){.wp-block-post-collection-grid .post-collection-post:first-child{grid-area:1/2/3/4;padding:var(--spacing-xxl) var(--spacing-m)}.wp-block-post-collection-grid .post-collection-post:first-child .post-collection-post__content{bottom:var(--spacing-m);position:absolute}}.post-collection-post{display:inline-block;min-height:300px;padding:var(--spacing-xxl) var(--spacing-m);position:relative}@media (min-width:1024px){.post-collection-post{min-height:auto}}.post-collection-post:after{background-color:hsla(0,0%,9%,.65);content:"";height:100%;left:0;position:absolute;top:0;width:100%;z-index:0}.post-collection-post a{color:currentcolor}.post-collection-post__content{position:relative;z-index:1}.post-collection-post__title{margin-top:var(--spacing-xs)!important}.post-collection-post__title a{-webkit-text-decoration:none!important;text-decoration:none!important}.post-collection-post__title a:focus,.post-collection-post__title a:hover{cursor:pointer;-webkit-text-decoration:underline!important;text-decoration:underline!important}.post-collection-post__avatar{margin-bottom:0;margin-top:var(--spacing-m)}.post-collection-post__date{margin-bottom:0!important;text-transform:uppercase}.post-collection-post__byline{color:var(--c-gray-d)!important;margin-top:var(--spacing-s)!important}.post-collection-post__byline a{color:var(--c-white)!important;position:relative;-webkit-text-decoration:none!important;text-decoration:none!important;z-index:2}.post-collection-post__byline a:focus,.post-collection-post__byline a:hover{-webkit-text-decoration:underline!important;text-decoration:underline!important}.post-collection-post__byline span{color:#d5d4d5!important}.wp-block-image figcaption{display:block!important;font-size:var(--fs-12);margin-left:var(--spacing-m);margin-top:var(--spacing-s);text-align:left}.icon-desc-pattern .wp-block-image{margin-bottom:var(--spacing-ms)}.icon-desc-pattern h4{margin-bottom:var(--spacing-xs)!important}.contact-section-pattern [class*=-label] strong{color:var(--c-gray-a)}.contact-section-pattern [class*=-label] strong:before{background-image:url(../svg/icon-email.svg);background-position:50%;background-repeat:no-repeat;background-size:contain;content:"";display:inline-block;height:20px;margin-right:var(--spacing-xs);vertical-align:text-bottom;width:20px}.contact-section-pattern .phone-label strong:before{background-image:url(../svg/icon-phone.svg)}.contact-section-pattern .address-label strong:before{background-image:url(../svg/icon-map.svg)}