[{"_1":2,"_1471":-5,"_1472":-5},"loaderData",{"_3":4,"_731":732},"root",{"_5":6,"_7":8,"_9":10,"_11":12,"_13":14,"_15":16,"_25":26,"_33":-7,"_34":24,"_35":36,"_39":-7,"_40":41,"_46":-7,"_47":48,"_61":62,"_63":64,"_83":84,"_599":600,"_601":-7,"_602":603,"_616":617,"_647":648},"href","https://www.wealthmanagement.com/business-planning/growth-strategies/marketing?page=27","brand","wealthmanagement","domainUrl","https://www.wealthmanagement.com","authenticationStatus","anonymous","siteName","Wealth Management","ads",{"_17":18,"_19":20,"_21":22,"_23":24},"networkId",3834,"parentAdUnit","wealthmanagement.home","enabledAds","all","checkClientIP",true,"authConfig",{"_27":24,"_28":29,"_30":24,"_31":32},"enabled","authenticationConfigId","b3e250afecf21fcaaba59166be1b8d16","standaloneRegistrationPage","disableCaptcha",false,"vwo","isDctsTurnOn","oneTrust",{"_37":38},"siteId","ad9183bd-59e1-4e3b-9d43-1d7355ec0f19","cookieBanner","gtmIds",{"_42":43,"_44":45},"primary","GTM-N49ZKQB","secondary","GTM-53CX3SKW","pageContent","ui",{"_7":8,"_49":50,"_51":52},"theme","theme1","font",{"_42":53,"_44":58},{"_54":55,"_56":57},"name","Aleo","url","href=\"https://fonts.googleapis.com/css2?family=Aleo:ital,wght@0,100..900;1,100..900&display=swap",{"_54":59,"_56":60},"Open Sans","https://fonts.googleapis.com/css2?family=Open+Sans:ital,wght@0,300;0,400;0,500;0,600;0,700;0,800;1,300;1,400;1,500;1,600;1,700;1,800&display=swap","environment","prod","featureToggles",{"_65":24,"_66":32,"_67":24,"_68":24,"_69":32,"_70":24,"_71":24,"_72":32,"_73":32,"_74":24,"_75":76,"_77":32,"_78":32,"_79":24,"_80":24,"_81":24,"_82":24},"elnNewsletter","elnWithoutNewsletter","iirisAuthentication","subBrand","useSettingsRedirectAPIVersion1","gatingEnabled","iirisRecommendationDisabled","iasPetEnabled","bridgedMediaEnabled","ecommerceEnabled","iirisRecommendationVer","version4","weather3MonthForecastEnabled","legacyHomepage","oneTrustEnabled","transcendEnabled","skip3rdPartyConsentForPaidGating","useMassRedirectsEngine","layout",{"_85":86,"_103":104,"_127":128,"_408":409,"_507":508,"_513":514,"_597":24,"_598":32},"socialLinks",[87,91,94,97,100],{"_88":89,"_56":90},"type","Twitter","https://twitter.com/wealth_mgmt",{"_88":92,"_56":93},"Facebook","https://www.facebook.com/wealthmanagement1/",{"_88":95,"_56":96},"Youtube","https://www.youtube.com/channel/UC8qA3RvhYDn7qeuldrcVBHw",{"_88":98,"_56":99},"Linkedin","https://www.linkedin.com/company/wealthmanagement-com/",{"_88":101,"_56":102},"RSS","/rss.xml","informaBar",{"_27":24,"_105":106,"_124":125},"leftSection",{"_107":108,"_109":110},"description","WealthManagement.com is part of the Informa Connect Division of Informa PLC","subMenu",[111,115,118,121],{"_112":113,"_56":114},"title","INFORMA PLC","https://informa.com/",{"_112":116,"_56":117},"ABOUT US","https://informa.com/about-us/",{"_112":119,"_56":120},"INVESTOR RELATIONS","https://informa.com/investors/",{"_112":122,"_56":123},"TALENT","https://informa.com/talent/","rightSection",{"_107":126},"This site is operated by a business or businesses owned by Informa PLC and all copyright resides with them. Informa PLC's registered office is 5 Howick Place, London SW1P 1WG. Registered in England and Wales. Number 8860726.","nav",{"_129":130,"_394":395},"mainMenuItems",[131,212,272,312,336,374,379,384],{"_112":132,"_56":133,"_134":135,"_136":133,"_137":24,"_109":138,"_160":161},"News","/wealth-management-industry-trends","seeAllLink","See all","seeAllLinkUrl","hasSubMenu",[139,142,145,148,151,154,157],{"_112":140,"_56":141},"RIA","/wealth-management-industry-trends/ria-news",{"_112":143,"_56":144},"IBD","/wealth-management-industry-trends/ibd-news",{"_112":146,"_56":147},"Wirehouse","/wealth-management-industry-trends/wirehouse-news",{"_112":149,"_56":150},"RPA","/wealth-management-industry-trends/rpa-news",{"_112":152,"_56":153},"Insights & Analysis","/wealth-management-industry-trends/insights-analysis",{"_112":155,"_56":156},"Regulation & Compliance","/wealth-management-industry-trends/regulation-compliance",{"_112":158,"_56":159},"Career Moves","/wealth-management-industry-trends/career-moves","recentContents",[162,200],{"_163":164,"_169":170,"_171":170,"_172":173,"_174":175,"_176":177,"_178":179,"_180":177,"_181":182,"_183":133,"_184":185,"_186":187,"_194":195,"_196":197,"_198":199},"thumbnail",{"_165":166,"_167":168},"src","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt9fea56da3b861800/67aba9c664f85919c405edee/empty-desks-office.jpg","alt","empty office chairs","articleName","McKinsey Estimates Advisor Shortage of 100,000 by 2034","mobileHeadline","articleSummary","The consulting firm says the wealth management industry can address the shortage by boosting productivity levels and attracting new talent.","articleUrl","/wealth-management-industry-trends/mckinsey-estimates-advisor-shortage-of-100-000-by-2034","listPageUrl","","date","Feb 11, 2025","webinarStartTime","categoryName","Industry News & Trends","categoryUrl","contentType","Article","contributors",[188],{"_54":189,"_190":191,"_192":193},"Diana Britton","link","/author/diana-britton","avatar","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt577d466d3af3e521/6724b9c163799c1847454f82/diana-britton-2019-web.jpg","timeRead",3,"variant","card-vertical","layoutVariant","vertical",{"_163":201,"_169":204,"_171":204,"_172":205,"_174":206,"_176":177,"_178":179,"_180":177,"_181":140,"_183":141,"_184":185,"_186":207,"_194":195,"_196":197,"_198":199},{"_165":202,"_167":203},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt703eeb16c01c11a8/6734c1fc938f04a9cc128e2c/dollars-chart-graph.jpg","dollars graph Private equity RIAs","Fidelity: PE Fueled Record 89% of RIA Deals in 2024","Fidelity’s 10th annual M&A report shows compound annual acquisition growth of 14% in the U.S., with no signs of slowing.","/ria-news/fidelity-pe-fueled-record-89-of-ria-deals-in-2024",[208],{"_54":209,"_190":210,"_192":211},"Alex Ortolani","/author/alex-ortolani","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt164ef1afbe9e4240/679be524f6cb950aa4af8e0c/Alex_Ortolani_photo.jpg",{"_112":213,"_56":214,"_134":215,"_136":214,"_137":24,"_109":216,"_160":244},"Investment","/investment-news","See All",[217,220,223,226,229,232,235,238,241],{"_112":218,"_56":219},"Alternative Investments","/investment-news/alternative-investments",{"_112":221,"_56":222},"Digital Assets","/investment-news/crypto",{"_112":224,"_56":225},"Equities","/investment-news/equities",{"_112":227,"_56":228},"ETFs","/investment-news/etfs",{"_112":230,"_56":231},"Fixed Income","/investment-news/fixed-income",{"_112":233,"_56":234},"Investing Strategies","/investment-news/investing-strategies",{"_112":236,"_56":237},"Mutual Funds","/investment-news/mutual-funds",{"_112":239,"_56":240},"Real Estate","/investment-news/real-estate",{"_112":242,"_56":243},"SMAs","/investment-news/smas",[245,259],{"_163":246,"_169":249,"_171":249,"_172":250,"_174":251,"_176":252,"_178":253,"_180":254,"_181":255,"_183":234,"_184":256,"_186":257,"_194":258,"_196":197,"_198":199},{"_165":247,"_167":248},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt72556d5fc3fce101/678fb571ff4a048401411773/Orion_iStock-1362847684.jpg","Orion_iStock-1362847684.jpg","Turning Taxes into Opportunities: How Direct Indexing Can Help Drive Value","Tuesday, February 25, 2025 | 2:00 PM ET","/investing-strategies/turning-taxes-into-opportunities-how-direct-indexing-can-help-drive-value","/webinars","Feb 25, 2025","2:00 pm EST","Sponsored Content","Webinar",[],60,{"_163":260,"_169":263,"_171":263,"_172":264,"_174":265,"_176":177,"_178":179,"_180":177,"_181":233,"_183":234,"_184":185,"_186":266,"_194":271,"_196":197,"_198":199},{"_165":261,"_167":262},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/bltbbbbe3813e86c7d3/67926b8bef9ab4780b3a1dd5/2000x1040-GettyImages-962723082.jpg","stock market model portfolios","Morningstar: Advisor Use of Custom Model Portfolios Rises","The firm estimates that assets in custom models increased by nearly 50% between mid-2023 and late 2024.","/investing-strategies/morningstar-advisor-use-of-custom-model-portfolios-rises",[267],{"_54":268,"_190":269,"_192":270},"David Bodamer","/author/david-bodamer","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/bltc188712c90cc93ea/6724b9e08c99fd53fae680b4/beach_pic.jpg",2,{"_112":273,"_56":274,"_134":215,"_136":274,"_137":24,"_109":275,"_160":294},"Wealth Planning","/wealth-planning",[276,279,282,285,288,291],{"_112":277,"_56":278},"Estate Planning","/wealth-planning/estate-planning",{"_112":280,"_56":281},"Financial Planning","/wealth-planning/financial-planning",{"_112":283,"_56":284},"High Net Worth","/wealth-planning/high-net-worth",{"_112":286,"_56":287},"Insurance","/wealth-planning/insurance",{"_112":289,"_56":290},"Philanthropy","/wealth-planning/philanthropy",{"_112":292,"_56":293},"Retirement","/wealth-planning/retirement",[295,304],{"_163":296,"_169":299,"_171":299,"_172":300,"_174":301,"_176":252,"_178":179,"_180":302,"_181":255,"_183":284,"_184":256,"_186":303,"_194":258,"_196":197,"_198":199},{"_165":297,"_167":298},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt4a7faae0f0de1895/6799584c39149a6f92ffdb74/Athene_iStock-1871938240_copy_1280.jpg","group of women client relations","Building Connections with Affluent Women Clients","Tuesday, March 04, 2025 | 2:30 PM ET","/high-net-worth/building-connections-with-affluent-women-clients","2:30 pm EST",[],{"_163":305,"_169":307,"_171":307,"_172":177,"_174":308,"_176":252,"_178":309,"_180":254,"_181":273,"_183":274,"_184":256,"_186":310,"_194":311,"_196":197,"_198":199},{"_165":306,"_167":177},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt7f395f5610dae7b9/67a3e44097e0874cfe2bf760/PostElectionEstatePlanning_iStock-1482364029.jpg","Estate Planning in a New Political Era: The 2025 Playbook","/wealth-planning/estate-planning-in-a-new-political-era-the-2025-playbook","Feb 26, 2025",[],90,{"_112":313,"_56":314,"_134":215,"_136":314,"_137":24,"_109":315,"_160":328},"Business Planning","/business-planning",[316,319,322,325],{"_112":317,"_56":318},"Client Relations","/business-planning/client-relations",{"_112":320,"_56":321},"Growth Strategies","/business-planning/growth-strategies",{"_112":323,"_56":324},"Professional Development","/business-planning/professional-development",{"_112":326,"_56":327},"Diversity & Inclusion","/business-planning/diversity-inclusion",[329,332],{"_163":330,"_169":299,"_171":299,"_172":300,"_174":301,"_176":252,"_178":179,"_180":302,"_181":255,"_183":284,"_184":256,"_186":331,"_194":258,"_196":197,"_198":199},{"_165":297,"_167":298},[],{"_163":333,"_169":170,"_171":170,"_172":173,"_174":175,"_176":177,"_178":179,"_180":177,"_181":182,"_183":133,"_184":185,"_186":334,"_194":195,"_196":197,"_198":199},{"_165":166,"_167":168},[335],{"_54":189,"_190":191,"_192":193},{"_112":337,"_56":338,"_134":215,"_136":338,"_137":24,"_109":339,"_160":349},"WealthTech","/financial-technology",[340,343,346],{"_112":341,"_56":342},"Artificial Intelligence","/financial-technology/artificial-intelligence",{"_112":344,"_56":345},"Cybersecurity","/financial-technology/financial-cybersecurity",{"_112":347,"_56":348},"Support Platforms","/financial-technology/advisor-support-platforms",[350,363],{"_163":351,"_169":354,"_171":354,"_172":355,"_174":356,"_176":177,"_178":179,"_180":177,"_181":158,"_183":159,"_184":185,"_186":357,"_194":362,"_196":197,"_198":199},{"_165":352,"_167":353},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt2c2fe282c7d51ae2/67aa66d4824b2ec4c35656ff/kathy-wunderli-wealthcom.jpg","Kathy Wunderi Wealth.com","Top Hollywood Attorney Joins Wealth.com’s Legal Team","Kathy Wunderli has about two decades of experience in private wealth. She called the company’s legal team “second to none” in digital estate planning.\n","/career-moves/top-hollywood-attorney-joins-wealth-com-s-legal-team",[358],{"_54":359,"_190":360,"_192":361},"Patrick Donachie","/author/patrick-donachie","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt50ebbf7b7dd9e74d/6724b9c0c82032cf0cb96cf4/patrick-donachie-web.jpg",1,{"_163":364,"_169":367,"_171":367,"_172":368,"_174":369,"_176":177,"_178":179,"_180":177,"_181":370,"_183":371,"_184":185,"_186":372,"_194":271,"_196":197,"_198":199},{"_165":365,"_167":366},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/bltbff88dec1dcb7e72/672ca0a65d57e07059d68930/robert-sofia-snappy-kraken.jpg","Robert Sofia Snappy Kraken","Snappy Kraken Launches AI-backed RIA Enterprise Hub","The advisor marketing firm also revamped its individual advisor campaign app, with CEO Robert Sofia touting a more robust marketing platform to flow from enterprise level to individual advisors.","/marketing/snappy-kraken-launches-new-ai-backed-ria-enterprise-hub","Marketing","/business-planning/growth-strategies/marketing",[373],{"_54":209,"_190":210,"_192":211},{"_112":375,"_56":376,"_134":215,"_136":376,"_137":32,"_109":377,"_160":378},"RIA Edge","/ria-edge",[],[],{"_112":380,"_56":381,"_134":215,"_136":381,"_137":32,"_109":382,"_160":383},"Trusts & Estates","/trusts-estates",[],[],{"_112":385,"_56":386,"_134":215,"_136":386,"_137":24,"_109":387,"_160":393},"Events & Awards","/events",[388,391],{"_112":389,"_56":390},"WM Industry Awards","https://informaconnect.com/wealth-management-industry-awards/",{"_112":392,"_56":386},"Industry Calendar",[],"secondaryMenu",[396,399,402,405],{"_112":397,"_56":398},"Podcasts & Videos","/media-center",{"_112":400,"_56":401},"CE Webinars","/wealth-management-webinars",{"_112":403,"_56":404},"Research","/wealth-management-research",{"_112":406,"_56":407},"Newsletters","/newsletter-subscribe","megaMenu",{"_410":411,"_459":460,"_505":506},"largeMenu",[412,421,432,440,446,451,453,455],{"_112":132,"_56":133,"_109":413,"_134":135,"_136":133},[414,415,416,417,418,419,420],{"_112":140,"_56":141},{"_112":143,"_56":144},{"_112":146,"_56":147},{"_112":149,"_56":150},{"_112":152,"_56":153},{"_112":155,"_56":156},{"_112":158,"_56":159},{"_112":213,"_56":214,"_109":422,"_134":215,"_136":214},[423,424,425,426,427,428,429,430,431],{"_112":218,"_56":219},{"_112":221,"_56":222},{"_112":224,"_56":225},{"_112":227,"_56":228},{"_112":230,"_56":231},{"_112":233,"_56":234},{"_112":236,"_56":237},{"_112":239,"_56":240},{"_112":242,"_56":243},{"_112":273,"_56":274,"_109":433,"_134":215,"_136":274},[434,435,436,437,438,439],{"_112":277,"_56":278},{"_112":280,"_56":281},{"_112":283,"_56":284},{"_112":286,"_56":287},{"_112":289,"_56":290},{"_112":292,"_56":293},{"_112":313,"_56":314,"_109":441,"_134":215,"_136":314},[442,443,444,445],{"_112":317,"_56":318},{"_112":320,"_56":321},{"_112":323,"_56":324},{"_112":326,"_56":327},{"_112":337,"_56":338,"_109":447,"_134":215,"_136":338},[448,449,450],{"_112":341,"_56":342},{"_112":344,"_56":345},{"_112":347,"_56":348},{"_112":375,"_56":376,"_109":452,"_134":215,"_136":376},[],{"_112":380,"_56":381,"_109":454,"_134":215,"_136":381},[],{"_112":385,"_56":386,"_109":456,"_134":215,"_136":386},[457,458],{"_112":389,"_56":390},{"_112":392,"_56":386},"smallMenu",[461,482,490],{"_112":462,"_56":177,"_109":463},"Browse",[464,467,469,472,475,477,479],{"_112":465,"_56":466},"Podcasts","/wealth-management-podcasts",{"_112":468,"_56":401},"Webinars",{"_112":470,"_56":471},"White Papers","/documents",{"_112":473,"_56":474},"Videos","/videos",{"_112":476,"_56":386},"Events",{"_112":478,"_56":404},"WMIQ Research",{"_112":480,"_56":481},"Digital Magazines","/publications",{"_112":483,"_56":177,"_109":484},"Subscribe",[485,487],{"_112":486,"_56":407},"Sign up for Newsletters",{"_112":488,"_56":489},"Trusts & Estates Subscription","https://subscriptions.wealthmanagement.com/offer/wmte-for-cider-scm",{"_112":491,"_56":177,"_109":492},"Content Spotlight",[493,496,499,502],{"_112":494,"_56":495},"RIA Edge 100","/program/ria-edge-100",{"_112":497,"_56":498},"Women, Wealth & Retirement ","https://informawre.lookbookhq.com/l/wm_athene_cec?utm_source=Menu&utm_medium=Menu&utm_id=CEC2025",{"_112":500,"_56":501},"AI, Data, and Security","https://www.wealthmanagement.com/technology/ai-data-and-security-inside-cto-strategy-elite-rias?utm_source=Menu&utm_medium=Menu&utm_id=WM_Box_Pershing",{"_112":503,"_56":504},"Wealth Managers and RPA Advisors","practice-management/wealth-managers-and-rpa-advisors-growing-impact-employee-wellness?utm_source=menu&utm_medium=menu&utm_id=MMA","sideNavSections",[],"navBase",{"_509":510},"logo",{"_56":511,"_512":14},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt2c9c3f4e8c2ef2e0/67376607f92aad2c25dbc4f6/Wealth_Management_Web_Logo.svg","altText","footer",{"_509":515,"_516":517,"_565":566,"_567":568},{"_56":511,"_512":14},"linkSections",[518,538,553],{"_519":520,"_112":536,"_88":537},"links",[521,528,532],{"_522":523,"_525":32,"_112":526,"_56":527},"image",{"_512":177,"_56":524},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/bltdc17350601b5fc7e/66fd42b30cc86a6e600fef96/WealthMangement_com_Wht@4x_2022.png","openInNewTab","About Us","/about-us",{"_522":529,"_525":32,"_112":530,"_56":531},{"_512":177,"_56":524},"Contact","/contact-us",{"_522":533,"_525":32,"_112":534,"_56":535},{"_512":177,"_56":524},"Reprints","https://info.wrightsmedia.com/informa-licensing-reprints-request","Get to Know Us","1",{"_519":539,"_112":552,"_88":537},[540,545,548],{"_522":541,"_525":32,"_112":543,"_56":544},{"_512":177,"_56":542},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt916f51aa933bb324/66f40addade5311327ee6792/WealthManagement_com_1line_4C@4x_2022.png","Advertise","/advertising-marketing-solutions",{"_522":546,"_525":32,"_112":547,"_56":544},{"_512":177,"_56":542},"Marketing Solutions",{"_522":549,"_525":32,"_112":550,"_56":551},{"_512":177,"_56":542},"Research Services","/about-wealth-management-iq","Partner With Us",{"_519":554,"_112":380,"_88":537},[555,559,562],{"_522":556,"_525":32,"_112":557,"_56":558},{"_512":177,"_56":542},"Issue Archive","/publications/trusts---estates",{"_522":560,"_525":32,"_112":561,"_56":489},{"_512":177,"_56":542},"Subscriptions",{"_522":563,"_525":32,"_112":564,"_56":531},{"_512":177,"_56":542},"Contact T&E","brandLinks",[],"copyright",{"_569":570,"_519":575,"_112":596},"businessUnit",{"_56":571,"_54":572,"_573":574},"https://informaconnect.com/","Informa Connect","logoUrl","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/bltf615ac6588597eb9/674ef043f505085431040156/Informa_Connect_Logo_1Line_White_Solid_RGB.webp",[576,580,584,588,592],{"_522":577,"_525":24,"_112":578,"_56":579},{"_512":578,"_56":579},"CCPA: Do not sell my personal info","https://privacyportal-eu-cdn.onetrust.com/dsarwebform/c1f53e84-9f05-4169-a854-85052b63c50b/5f26b553-52cc-4973-a761-295d5634a6b6.html",{"_522":581,"_525":24,"_112":582,"_56":583},{"_512":582,"_56":583},"Terms of Use","https://informaconnect.com/website-terms-of-use/",{"_522":585,"_525":24,"_112":586,"_56":587},{"_512":586,"_56":587},"Code of conduct events","https://informaconnect.com/code-of-conduct/",{"_522":589,"_525":24,"_112":590,"_56":591},{"_512":590,"_56":591},"Privacy Policy","https://informa.com/privacy-policy/",{"_522":593,"_525":24,"_112":594,"_56":595},{"_512":594,"_56":595},"Cookie Policy","https://informaconnect.com/cookie-policy/"," Informa Connect Limited. Registered in England & Wales with number 01835199, registered office 5 Howick Place, London, SW1P 1WG.","isSponsorBarEnabled","isPaidContent","newRelicJs","window.NREUM||(NREUM={});NREUM.info = {\"agent\":\"\",\"beacon\":\"bam.eu01.nr-data.net\",\"errorBeacon\":\"bam.eu01.nr-data.net\",\"licenseKey\":\"NRJS-26ae6a3b09493bbcc87\",\"applicationID\":\"514078057\",\"agentToken\":null,\"applicationTime\":6.087998,\"transactionName\":\"MhBSZQoZWEEDU0ZaXgtac0QLDFlfTR9QRkIMG1VCC1VGXgNeXFpfAlpXQxcPQlpPQ0ZBUBEQV1gdCxlfA0JZVkUMG1c=\",\"queueTime\":0,\"ttGuid\":\"5f9967c82f9e8327\"}; (window.NREUM||(NREUM={})).init={privacy:{cookies_enabled:true},ajax:{deny_list:[\"bam.eu01.nr-data.net\"]},distributed_tracing:{enabled:true}};(window.NREUM||(NREUM={})).loader_config={agentID:\"538481155\",accountID:\"3936348\",trustKey:\"3288925\",xpid:\"Vw8EV1VXABAFVVVSAAkHU1M=\",licenseKey:\"NRJS-26ae6a3b09493bbcc87\",applicationID:\"514078057\"};;/*! For license information please see nr-loader-spa-1.281.0.min.js.LICENSE.txt */\n(()=>{var e,t,r={8122:(e,t,r)=>{\"use strict\";r.d(t,{a:()=>i});var n=r(944);function i(e,t){try{if(!e||\"object\"!=typeof e)return(0,n.R)(3);if(!t||\"object\"!=typeof t)return(0,n.R)(4);const r=Object.create(Object.getPrototypeOf(t),Object.getOwnPropertyDescriptors(t)),o=0===Object.keys(r).length?e:r;for(let a in o)if(void 0!==e[a])try{if(null===e[a]){r[a]=null;continue}Array.isArray(e[a])&&Array.isArray(t[a])?r[a]=Array.from(new Set([...e[a],...t[a]])):\"object\"==typeof e[a]&&\"object\"==typeof t[a]?r[a]=i(e[a],t[a]):r[a]=e[a]}catch(e){(0,n.R)(1,e)}return r}catch(e){(0,n.R)(2,e)}}},2555:(e,t,r)=>{\"use strict\";r.d(t,{Vp:()=>c,fn:()=>s,x1:()=>u});var n=r(384),i=r(8122);const o={beacon:n.NT.beacon,errorBeacon:n.NT.errorBeacon,licenseKey:void 0,applicationID:void 0,sa:void 0,queueTime:void 0,applicationTime:void 0,ttGuid:void 0,user:void 0,account:void 0,product:void 0,extra:void 0,jsAttributes:{},userAttributes:void 0,atts:void 0,transactionName:void 0,tNamePlain:void 0},a={};function s(e){try{const t=c(e);return!!t.licenseKey&&!!t.errorBeacon&&!!t.applicationID}catch(e){return!1}}function c(e){if(!e)throw new Error(\"All info objects require an agent identifier!\");if(!a[e])throw new Error(\"Info for \".concat(e,\" was never set\"));return a[e]}function u(e,t){if(!e)throw new Error(\"All info objects require an agent identifier!\");a[e]=(0,i.a)(t,o);const r=(0,n.nY)(e);r&&(r.info=a[e])}},9417:(e,t,r)=>{\"use strict\";r.d(t,{D0:()=>p,gD:()=>m,xN:()=>g});var n=r(3333),i=r(993);const o=e=>{if(!e||\"string\"!=typeof e)return!1;try{document.createDocumentFragment().querySelector(e)}catch{return!1}return!0};var a=r(2614),s=r(944),c=r(384),u=r(8122);const d=\"[data-nr-mask]\",l=()=>{const e={feature_flags:[],experimental:{marks:!1,measures:!1,resources:!1},mask_selector:\"*\",block_selector:\"[data-nr-block]\",mask_input_options:{color:!1,date:!1,\"datetime-local\":!1,email:!1,month:!1,number:!1,range:!1,search:!1,tel:!1,text:!1,time:!1,url:!1,week:!1,textarea:!1,select:!1,password:!0}};return{ajax:{deny_list:void 0,block_internal:!0,enabled:!0,autoStart:!0},distributed_tracing:{enabled:void 0,exclude_newrelic_header:void 0,cors_use_newrelic_header:void 0,cors_use_tracecontext_headers:void 0,allowed_origins:void 0},get feature_flags(){return e.feature_flags},set feature_flags(t){e.feature_flags=t},generic_events:{enabled:!0,autoStart:!0},harvest:{interval:30},jserrors:{enabled:!0,autoStart:!0},logging:{enabled:!0,autoStart:!0,level:i.p_.INFO},metrics:{enabled:!0,autoStart:!0},obfuscate:void 0,page_action:{enabled:!0},page_view_event:{enabled:!0,autoStart:!0},page_view_timing:{enabled:!0,autoStart:!0},performance:{get capture_marks(){return e.feature_flags.includes(n.$v.MARKS)||e.experimental.marks},set capture_marks(t){e.experimental.marks=t},get capture_measures(){return e.feature_flags.includes(n.$v.MEASURES)||e.experimental.measures},set capture_measures(t){e.experimental.measures=t},capture_detail:!0,resources:{get enabled(){return e.feature_flags.includes(n.$v.RESOURCES)||e.experimental.resources},set enabled(t){e.experimental.resources=t},asset_types:[],first_party_domains:[],ignore_newrelic:!0}},privacy:{cookies_enabled:!0},proxy:{assets:void 0,beacon:void 0},session:{expiresMs:a.wk,inactiveMs:a.BB},session_replay:{autoStart:!0,enabled:!1,preload:!1,sampling_rate:10,error_sampling_rate:100,collect_fonts:!1,inline_images:!1,fix_stylesheets:!0,mask_all_inputs:!0,get mask_text_selector(){return e.mask_selector},set mask_text_selector(t){o(t)?e.mask_selector=\"\".concat(t,\",\").concat(d):\"\"===t||null===t?e.mask_selector=d:(0,s.R)(5,t)},get block_class(){return\"nr-block\"},get ignore_class(){return\"nr-ignore\"},get mask_text_class(){return\"nr-mask\"},get block_selector(){return e.block_selector},set block_selector(t){o(t)?e.block_selector+=\",\".concat(t):\"\"!==t&&(0,s.R)(6,t)},get mask_input_options(){return e.mask_input_options},set mask_input_options(t){t&&\"object\"==typeof t?e.mask_input_options={...t,password:!0}:(0,s.R)(7,t)}},session_trace:{enabled:!0,autoStart:!0},soft_navigations:{enabled:!0,autoStart:!0},spa:{enabled:!0,autoStart:!0},ssl:void 0,user_actions:{enabled:!0,elementAttributes:[\"id\",\"className\",\"tagName\",\"type\"]}}},f={},h=\"All configuration objects require an agent identifier!\";function p(e){if(!e)throw new Error(h);if(!f[e])throw new Error(\"Configuration for \".concat(e,\" was never set\"));return f[e]}function g(e,t){if(!e)throw new Error(h);f[e]=(0,u.a)(t,l());const r=(0,c.nY)(e);r&&(r.init=f[e])}function m(e,t){if(!e)throw new Error(h);var r=p(e);if(r){for(var n=t.split(\".\"),i=0;i{\"use strict\";r.d(t,{a:()=>c,o:()=>s});var n=r(384),i=r(8122);const o={accountID:void 0,trustKey:void 0,agentID:void 0,licenseKey:void 0,applicationID:void 0,xpid:void 0},a={};function s(e){if(!e)throw new Error(\"All loader-config objects require an agent identifier!\");if(!a[e])throw new Error(\"LoaderConfig for \".concat(e,\" was never set\"));return a[e]}function c(e,t){if(!e)throw new Error(\"All loader-config objects require an agent identifier!\");a[e]=(0,i.a)(t,o);const r=(0,n.nY)(e);r&&(r.loader_config=a[e])}},3371:(e,t,r)=>{\"use strict\";r.d(t,{V:()=>f,f:()=>l});var n=r(8122),i=r(384),o=r(6154),a=r(9324);let s=0;const c={buildEnv:a.F3,distMethod:a.Xs,version:a.xv,originTime:o.WN},u={customTransaction:void 0,disabled:!1,isolatedBacklog:!1,loaderType:void 0,maxBytes:3e4,onerror:void 0,ptid:void 0,releaseIds:{},appMetadata:{},session:void 0,denyList:void 0,timeKeeper:void 0,obfuscator:void 0,harvester:void 0},d={};function l(e){if(!e)throw new Error(\"All runtime objects require an agent identifier!\");if(!d[e])throw new Error(\"Runtime for \".concat(e,\" was never set\"));return d[e]}function f(e,t){if(!e)throw new Error(\"All runtime objects require an agent identifier!\");d[e]={...(0,n.a)(t,u),...c},Object.hasOwnProperty.call(d[e],\"harvestCount\")||Object.defineProperty(d[e],\"harvestCount\",{get:()=>++s});const r=(0,i.nY)(e);r&&(r.runtime=d[e])}},9324:(e,t,r)=>{\"use strict\";r.d(t,{F3:()=>i,Xs:()=>o,Yq:()=>a,xv:()=>n});const n=\"1.281.0\",i=\"PROD\",o=\"CDN\",a=\"^2.0.0-alpha.17\"},6154:(e,t,r)=>{\"use strict\";r.d(t,{A4:()=>s,OF:()=>d,RI:()=>i,WN:()=>h,bv:()=>o,gm:()=>a,lR:()=>f,m:()=>u,mw:()=>c,sb:()=>l});var n=r(1863);const i=\"undefined\"!=typeof window&&!!window.document,o=\"undefined\"!=typeof WorkerGlobalScope&&(\"undefined\"!=typeof self&&self instanceof WorkerGlobalScope&&self.navigator instanceof WorkerNavigator||\"undefined\"!=typeof globalThis&&globalThis instanceof WorkerGlobalScope&&globalThis.navigator instanceof WorkerNavigator),a=i?window:\"undefined\"!=typeof WorkerGlobalScope&&(\"undefined\"!=typeof self&&self instanceof WorkerGlobalScope&&self||\"undefined\"!=typeof globalThis&&globalThis instanceof WorkerGlobalScope&&globalThis),s=\"complete\"===a?.document?.readyState,c=Boolean(\"hidden\"===a?.document?.visibilityState),u=\"\"+a?.location,d=/iPad|iPhone|iPod/.test(a.navigator?.userAgent),l=d&&\"undefined\"==typeof SharedWorker,f=(()=>{const e=a.navigator?.userAgent?.match(/Firefox[/\\s](\\d+\\.\\d+)/);return Array.isArray(e)&&e.length>=2?+e[1]:0})(),h=Date.now()-(0,n.t)()},7295:(e,t,r)=>{\"use strict\";r.d(t,{Xv:()=>a,gX:()=>i,iW:()=>o});var n=[];function i(e){if(!e||o(e))return!1;if(0===n.length)return!0;for(var t=0;t0?(o=r.substring(0,i),a=r.substring(i)):(o=r,a=\"\");let[s]=o.split(\":\");n.push({hostname:s,pathname:a})}}function s(e,t){return!(e.length>t.length)&&t.indexOf(e)===t.length-e.length}function c(e,t){return 0===e.indexOf(\"/\")&&(e=e.substring(1)),0===t.indexOf(\"/\")&&(t=t.substring(1)),\"\"===e||e===t}},1687:(e,t,r)=>{\"use strict\";r.d(t,{Ak:()=>c,Ze:()=>l,x3:()=>u});var n=r(7836),i=r(3606),o=r(860),a=r(2646);const s={};function c(e,t){const r={staged:!1,priority:o.P3[t]||0};d(e),s[e].get(t)||s[e].set(t,r)}function u(e,t){e&&s[e]&&(s[e].get(t)&&s[e].delete(t),h(e,t,!1),s[e].size&&f(e))}function d(e){if(!e)throw new Error(\"agentIdentifier required\");s[e]||(s[e]=new Map)}function l(e=\"\",t=\"feature\",r=!1){if(d(e),!e||!s[e].get(t)||r)return h(e,t);s[e].get(t).staged=!0,f(e)}function f(e){const t=Array.from(s[e]);t.every((([e,t])=>t.staged))&&(t.sort(((e,t)=>e[1].priority-t[1].priority)),t.forEach((([t])=>{s[e].delete(t),h(e,t)})))}function h(e,t,r=!0){const o=e?n.ee.get(e):n.ee,s=i.i.handlers;if(!o.aborted&&o.backlog&&s){if(r){const e=o.backlog[t],r=s[t];if(r){for(let t=0;e&&t{Object.values(t||{}).forEach((t=>{t[0]?.on&&t[0]?.context()instanceof a.y&&t[0].on(e,t[1])}))}))}}o.isolatedBacklog||delete s[t],o.backlog[t]=null,o.emit(\"drain-\"+t,[])}}function p(e,t){var r=e[1];Object.values(t[r]||{}).forEach((t=>{var r=e[0];if(t[0]===r){var n=t[1],i=e[3],o=e[2];n.apply(i,o)}}))}},7836:(e,t,r)=>{\"use strict\";r.d(t,{P:()=>c,ee:()=>u});var n=r(384),i=r(8990),o=r(3371),a=r(2646),s=r(5607);const c=\"nr@context:\".concat(s.W),u=function e(t,r){var n={},s={},d={},l=!1;try{l=16===r.length&&(0,o.f)(r).isolatedBacklog}catch(e){}var f={on:p,addEventListener:p,removeEventListener:function(e,t){var r=n[e];if(!r)return;for(var i=0;i{s[n]=t,t in r||(r[t]=[])}))},abort:function(){f._aborted=!0,Object.keys(f.backlog).forEach((e=>{delete f.backlog[e]}))},isBuffering:function(e){return!!v()[s[e]]},debugId:r,backlog:l?{}:t&&\"object\"==typeof t.backlog?t.backlog:{},isolatedBacklog:l};return Object.defineProperty(f,\"aborted\",{get:()=>{let e=f._aborted||!1;return e||(t&&(e=t.aborted),e)}}),f;function h(e){return e&&e instanceof a.y?e:e?(0,i.I)(e,c,(()=>new a.y(c))):new a.y(c)}function p(e,t){n[e]=g(e).concat(t)}function g(e){return n[e]||[]}function m(t){return d[t]=d[t]||e(f,t)}function v(){return f.backlog}}(void 0,\"globalEE\"),d=(0,n.Zm)();d.ee||(d.ee=u)},2646:(e,t,r)=>{\"use strict\";r.d(t,{y:()=>n});class n{constructor(e){this.contextId=e}}},9908:(e,t,r)=>{\"use strict\";r.d(t,{d:()=>n,p:()=>i});var n=r(7836).ee.get(\"handle\");function i(e,t,r,i,o){o?(o.buffer([e],i),o.emit(e,t,r)):(n.buffer([e],i),n.emit(e,t,r))}},3606:(e,t,r)=>{\"use strict\";r.d(t,{i:()=>o});var n=r(9908);o.on=a;var i=o.handlers={};function o(e,t,r,o){a(o||n.d,i,e,t,r)}function a(e,t,r,i,o){o||(o=\"feature\"),e||(e=n.d);var a=t[o]=t[o]||{};(a[r]=a[r]||[]).push([e,i])}},3878:(e,t,r)=>{\"use strict\";function n(e,t){return{capture:e,passive:!1,signal:t}}function i(e,t,r=!1,i){window.addEventListener(e,t,n(r,i))}function o(e,t,r=!1,i){document.addEventListener(e,t,n(r,i))}r.d(t,{DD:()=>o,jT:()=>n,sp:()=>i})},5607:(e,t,r)=>{\"use strict\";r.d(t,{W:()=>n});const n=(0,r(9566).bz)()},9566:(e,t,r)=>{\"use strict\";r.d(t,{LA:()=>s,ZF:()=>c,bz:()=>a,el:()=>u});var n=r(6154);const i=\"xxxxxxxx-xxxx-4xxx-yxxx-xxxxxxxxxxxx\";function o(e,t){return e?15&e[t]:16*Math.random()|0}function a(){const e=n.gm?.crypto||n.gm?.msCrypto;let t,r=0;return e&&e.getRandomValues&&(t=e.getRandomValues(new Uint8Array(30))),i.split(\"\").map((e=>\"x\"===e?o(t,r++).toString(16):\"y\"===e?(3&o()|8).toString(16):e)).join(\"\")}function s(e){const t=n.gm?.crypto||n.gm?.msCrypto;let r,i=0;t&&t.getRandomValues&&(r=t.getRandomValues(new Uint8Array(e)));const a=[];for(var s=0;s{\"use strict\";r.d(t,{BB:()=>a,H3:()=>n,g:()=>u,iL:()=>c,tS:()=>s,uh:()=>i,wk:()=>o});const n=\"NRBA\",i=\"SESSION\",o=144e5,a=18e5,s={STARTED:\"session-started\",PAUSE:\"session-pause\",RESET:\"session-reset\",RESUME:\"session-resume\",UPDATE:\"session-update\"},c={SAME_TAB:\"same-tab\",CROSS_TAB:\"cross-tab\"},u={OFF:0,FULL:1,ERROR:2}},1863:(e,t,r)=>{\"use strict\";function n(){return Math.floor(performance.now())}r.d(t,{t:()=>n})},7485:(e,t,r)=>{\"use strict\";r.d(t,{D:()=>i});var n=r(6154);function i(e){if(0===(e||\"\").indexOf(\"data:\"))return{protocol:\"data\"};try{const t=new URL(e,location.href),r={port:t.port,hostname:t.hostname,pathname:t.pathname,search:t.search,protocol:t.protocol.slice(0,t.protocol.indexOf(\":\")),sameOrigin:t.protocol===n.gm?.location?.protocol&&t.host===n.gm?.location?.host};return r.port&&\"\"!==r.port||(\"http:\"===t.protocol&&(r.port=\"80\"),\"https:\"===t.protocol&&(r.port=\"443\")),r.pathname&&\"\"!==r.pathname?r.pathname.startsWith(\"/\")||(r.pathname=\"/\".concat(r.pathname)):r.pathname=\"/\",r}catch(e){return{}}}},944:(e,t,r)=>{\"use strict\";function n(e,t){\"function\"==typeof console.debug&&console.debug(\"New Relic Warning: https://github.com/newrelic/newrelic-browser-agent/blob/main/docs/warning-codes.md#\".concat(e),t)}r.d(t,{R:()=>n})},5284:(e,t,r)=>{\"use strict\";r.d(t,{t:()=>c,B:()=>s});var n=r(7836),i=r(6154);const o=\"newrelic\";const a=new Set,s={};function c(e,t){const r=n.ee.get(t);s[t]??={},e&&\"object\"==typeof e&&(a.has(t)||(r.emit(\"rumresp\",[e]),s[t]=e,a.add(t),function(e={}){try{i.gm.dispatchEvent(new CustomEvent(o,{detail:e}))}catch(e){}}({loaded:!0})))}},8990:(e,t,r)=>{\"use strict\";r.d(t,{I:()=>i});var n=Object.prototype.hasOwnProperty;function i(e,t,r){if(n.call(e,t))return e[t];var i=r();if(Object.defineProperty&&Object.keys)try{return Object.defineProperty(e,t,{value:i,writable:!0,enumerable:!1}),i}catch(e){}return e[t]=i,i}},6389:(e,t,r)=>{\"use strict\";function n(e,t=500,r={}){const n=r?.leading||!1;let i;return(...r)=>{n&&void 0===i&&(e.apply(this,r),i=setTimeout((()=>{i=clearTimeout(i)}),t)),n||(clearTimeout(i),i=setTimeout((()=>{e.apply(this,r)}),t))}}function i(e){let t=!1;return(...r)=>{t||(t=!0,e.apply(this,r))}}r.d(t,{J:()=>i,s:()=>n})},3304:(e,t,r)=>{\"use strict\";r.d(t,{A:()=>o});var n=r(7836);const i=()=>{const e=new WeakSet;return(t,r)=>{if(\"object\"==typeof r&&null!==r){if(e.has(r))return;e.add(r)}return r}};function o(e){try{return JSON.stringify(e,i())??\"\"}catch(e){try{n.ee.emit(\"internal-error\",[e])}catch(e){}return\"\"}}},5289:(e,t,r)=>{\"use strict\";r.d(t,{GG:()=>o,sB:()=>a});var n=r(3878);function i(){return\"undefined\"==typeof document||\"complete\"===document.readyState}function o(e,t){if(i())return e();(0,n.sp)(\"load\",e,t)}function a(e){if(i())return e();(0,n.DD)(\"DOMContentLoaded\",e)}},384:(e,t,r)=>{\"use strict\";r.d(t,{NT:()=>o,US:()=>d,Zm:()=>a,bQ:()=>c,dV:()=>s,nY:()=>u,pV:()=>l});var n=r(6154),i=r(1863);const o={beacon:\"bam.nr-data.net\",errorBeacon:\"bam.nr-data.net\"};function a(){return n.gm.NREUM||(n.gm.NREUM={}),void 0===n.gm.newrelic&&(n.gm.newrelic=n.gm.NREUM),n.gm.NREUM}function s(){let e=a();return e.o||(e.o={ST:n.gm.setTimeout,SI:n.gm.setImmediate,CT:n.gm.clearTimeout,XHR:n.gm.XMLHttpRequest,REQ:n.gm.Request,EV:n.gm.Event,PR:n.gm.Promise,MO:n.gm.MutationObserver,FETCH:n.gm.fetch,WS:n.gm.WebSocket}),e}function c(e,t){let r=a();r.initializedAgents??={},t.initializedAt={ms:(0,i.t)(),date:new Date},r.initializedAgents[e]=t}function u(e){let t=a();return t.initializedAgents?.[e]}function d(e,t){a()[e]=t}function l(){return function(){let e=a();const t=e.info||{};e.info={beacon:o.beacon,errorBeacon:o.errorBeacon,...t}}(),function(){let e=a();const t=e.init||{};e.init={...t}}(),s(),function(){let e=a();const t=e.loader_config||{};e.loader_config={...t}}(),a()}},2843:(e,t,r)=>{\"use strict\";r.d(t,{u:()=>i});var n=r(3878);function i(e,t=!1,r,i){(0,n.DD)(\"visibilitychange\",(function(){if(t)return void(\"hidden\"===document.visibilityState&&e());e(document.visibilityState)}),r,i)}},8139:(e,t,r)=>{\"use strict\";r.d(t,{u:()=>f});var n=r(7836),i=r(3434),o=r(8990),a=r(6154);const s={},c=a.gm.XMLHttpRequest,u=\"addEventListener\",d=\"removeEventListener\",l=\"nr@wrapped:\".concat(n.P);function f(e){var t=function(e){return(e||n.ee).get(\"events\")}(e);if(s[t.debugId]++)return t;s[t.debugId]=1;var r=(0,i.YM)(t,!0);function f(e){r.inPlace(e,[u,d],\"-\",p)}function p(e,t){return e[1]}return\"getPrototypeOf\"in Object&&(a.RI&&h(document,f),c&&h(c.prototype,f),h(a.gm,f)),t.on(u+\"-start\",(function(e,t){var n=e[1];if(null!==n&&(\"function\"==typeof n||\"object\"==typeof n)){var i=(0,o.I)(n,l,(function(){var e={object:function(){if(\"function\"!=typeof n.handleEvent)return;return n.handleEvent.apply(n,arguments)},function:n}[typeof n];return e?r(e,\"fn-\",null,e.name||\"anonymous\"):n}));this.wrapped=e[1]=i}})),t.on(d+\"-start\",(function(e){e[1]=this.wrapped||e[1]})),t}function h(e,t,...r){let n=e;for(;\"object\"==typeof n&&!Object.prototype.hasOwnProperty.call(n,u);)n=Object.getPrototypeOf(n);n&&t(n,...r)}},3434:(e,t,r)=>{\"use strict\";r.d(t,{Jt:()=>o,YM:()=>c});var n=r(7836),i=r(5607);const o=\"nr@original:\".concat(i.W);var a=Object.prototype.hasOwnProperty,s=!1;function c(e,t){return e||(e=n.ee),r.inPlace=function(e,t,n,i,o){n||(n=\"\");const a=\"-\"===n.charAt(0);for(let s=0;s{\"use strict\";r.d(t,{T:()=>n});const n=r(860).K7.ajax},3333:(e,t,r)=>{\"use strict\";r.d(t,{$v:()=>u,TZ:()=>n,Zp:()=>i,kd:()=>c,mq:()=>s,nf:()=>a,qN:()=>o});const n=r(860).K7.genericEvents,i=[\"auxclick\",\"click\",\"copy\",\"keydown\",\"paste\",\"scrollend\"],o=[\"focus\",\"blur\"],a=4,s=1e3,c=[\"PageAction\",\"UserAction\",\"BrowserPerformance\"],u={MARKS:\"experimental.marks\",MEASURES:\"experimental.measures\",RESOURCES:\"experimental.resources\"}},6774:(e,t,r)=>{\"use strict\";r.d(t,{T:()=>n});const n=r(860).K7.jserrors},993:(e,t,r)=>{\"use strict\";r.d(t,{ET:()=>o,TZ:()=>a,p_:()=>i});var n=r(860);const i={ERROR:\"ERROR\",WARN:\"WARN\",INFO:\"INFO\",DEBUG:\"DEBUG\",TRACE:\"TRACE\"},o=\"log\",a=n.K7.logging},3785:(e,t,r)=>{\"use strict\";r.d(t,{R:()=>c,b:()=>u});var n=r(9908),i=r(1863),o=r(860),a=r(3969),s=r(993);function c(e,t,r={},c=s.p_.INFO){(0,n.p)(a.xV,[\"API/logging/\".concat(c.toLowerCase(),\"/called\")],void 0,o.K7.metrics,e),(0,n.p)(s.ET,[(0,i.t)(),t,r,c],void 0,o.K7.logging,e)}function u(e){return\"string\"==typeof e&&Object.values(s.p_).some((t=>t===e.toUpperCase().trim()))}},3969:(e,t,r)=>{\"use strict\";r.d(t,{TZ:()=>n,XG:()=>s,rs:()=>i,xV:()=>a,z_:()=>o});const n=r(860).K7.metrics,i=\"sm\",o=\"cm\",a=\"storeSupportabilityMetrics\",s=\"storeEventMetrics\"},6630:(e,t,r)=>{\"use strict\";r.d(t,{T:()=>n});const n=r(860).K7.pageViewEvent},782:(e,t,r)=>{\"use strict\";r.d(t,{T:()=>n});const n=r(860).K7.pageViewTiming},6344:(e,t,r)=>{\"use strict\";r.d(t,{BB:()=>d,G4:()=>o,Qb:()=>l,TZ:()=>i,Ug:()=>a,_s:()=>s,bc:()=>u,yP:()=>c});var n=r(2614);const i=r(860).K7.sessionReplay,o={RECORD:\"recordReplay\",PAUSE:\"pauseReplay\",REPLAY_RUNNING:\"replayRunning\",ERROR_DURING_REPLAY:\"errorDuringReplay\"},a=.12,s={DomContentLoaded:0,Load:1,FullSnapshot:2,IncrementalSnapshot:3,Meta:4,Custom:5},c={[n.g.ERROR]:15e3,[n.g.FULL]:3e5,[n.g.OFF]:0},u={RESET:{message:\"Session was reset\",sm:\"Reset\"},IMPORT:{message:\"Recorder failed to import\",sm:\"Import\"},TOO_MANY:{message:\"429: Too Many Requests\",sm:\"Too-Many\"},TOO_BIG:{message:\"Payload was too large\",sm:\"Too-Big\"},CROSS_TAB:{message:\"Session Entity was set to OFF on another tab\",sm:\"Cross-Tab\"},ENTITLEMENTS:{message:\"Session Replay is not allowed and will not be started\",sm:\"Entitlement\"}},d=5e3,l={API:\"api\"}},5270:(e,t,r)=>{\"use strict\";r.d(t,{Aw:()=>c,CT:()=>u,SR:()=>s});var n=r(384),i=r(9417),o=r(7767),a=r(6154);function s(e){return!!(0,n.dV)().o.MO&&(0,o.V)(e)&&!0===(0,i.gD)(e,\"session_trace.enabled\")}function c(e){return!0===(0,i.gD)(e,\"session_replay.preload\")&&s(e)}function u(e,t){const r=t.correctAbsoluteTimestamp(e);return{originalTimestamp:e,correctedTimestamp:r,timestampDiff:e-r,originTime:a.WN,correctedOriginTime:t.correctedOriginTime,originTimeDiff:Math.floor(a.WN-t.correctedOriginTime)}}},3738:(e,t,r)=>{\"use strict\";r.d(t,{He:()=>i,Kp:()=>s,Lc:()=>u,Rz:()=>d,TZ:()=>n,bD:()=>o,d3:()=>a,jx:()=>l,uP:()=>c});const n=r(860).K7.sessionTrace,i=\"bstResource\",o=\"resource\",a=\"-start\",s=\"-end\",c=\"fn\"+a,u=\"fn\"+s,d=\"pushState\",l=1e3},3962:(e,t,r)=>{\"use strict\";r.d(t,{AM:()=>o,O2:()=>c,Qu:()=>u,TZ:()=>s,ih:()=>d,pP:()=>a,tC:()=>i});var n=r(860);const i=[\"click\",\"keydown\",\"submit\",\"popstate\"],o=\"api\",a=\"initialPageLoad\",s=n.K7.softNav,c={INITIAL_PAGE_LOAD:\"\",ROUTE_CHANGE:1,UNSPECIFIED:2},u={INTERACTION:1,AJAX:2,CUSTOM_END:3,CUSTOM_TRACER:4},d={IP:\"in progress\",FIN:\"finished\",CAN:\"cancelled\"}},7378:(e,t,r)=>{\"use strict\";r.d(t,{$p:()=>x,BR:()=>b,Kp:()=>R,L3:()=>y,Lc:()=>c,NC:()=>o,SG:()=>d,TZ:()=>i,U6:()=>p,UT:()=>m,d3:()=>w,dT:()=>f,e5:()=>T,gx:()=>v,l9:()=>l,oW:()=>h,op:()=>g,rw:()=>u,tH:()=>A,uP:()=>s,wW:()=>E,xq:()=>a});var n=r(384);const i=r(860).K7.spa,o=[\"click\",\"submit\",\"keypress\",\"keydown\",\"keyup\",\"change\"],a=999,s=\"fn-start\",c=\"fn-end\",u=\"cb-start\",d=\"api-ixn-\",l=\"remaining\",f=\"interaction\",h=\"spaNode\",p=\"jsonpNode\",g=\"fetch-start\",m=\"fetch-done\",v=\"fetch-body-\",b=\"jsonp-end\",y=(0,n.dV)().o.ST,w=\"-start\",R=\"-end\",x=\"-body\",E=\"cb\"+R,T=\"jsTime\",A=\"fetch\"},4234:(e,t,r)=>{\"use strict\";r.d(t,{W:()=>o});var n=r(7836),i=r(1687);class o{constructor(e,t){this.agentIdentifier=e,this.ee=n.ee.get(e),this.featureName=t,this.blocked=!1}deregisterDrain(){(0,i.x3)(this.agentIdentifier,this.featureName)}}},7767:(e,t,r)=>{\"use strict\";r.d(t,{V:()=>o});var n=r(9417),i=r(6154);const o=e=>i.RI&&!0===(0,n.gD)(e,\"privacy.cookies_enabled\")},425:(e,t,r)=>{\"use strict\";r.d(t,{j:()=>j});var n=r(860),i=r(2555),o=r(3371),a=r(9908),s=r(7836),c=r(1687),u=r(5289),d=r(6154),l=r(944),f=r(3969),h=r(384),p=r(6344);const g=[\"setErrorHandler\",\"finished\",\"addToTrace\",\"addRelease\",\"recordCustomEvent\",\"addPageAction\",\"setCurrentRouteName\",\"setPageViewName\",\"setCustomAttribute\",\"interaction\",\"noticeError\",\"setUserId\",\"setApplicationVersion\",\"start\",p.G4.RECORD,p.G4.PAUSE,\"log\",\"wrapLogger\"],m=[\"setErrorHandler\",\"finished\",\"addToTrace\",\"addRelease\"];var v=r(1863),b=r(2614),y=r(993),w=r(3785),R=r(2646),x=r(3434);const E=new Map;function T(e,t,r,n){if(\"object\"!=typeof t||!t||\"string\"!=typeof r||!r||\"function\"!=typeof t[r])return(0,l.R)(29);const i=function(e){return(e||s.ee).get(\"logger\")}(e),o=(0,x.YM)(i),a=new R.y(s.P);a.level=n.level,a.customAttributes=n.customAttributes;const c=t[r]?.[x.Jt]||t[r];return E.set(c,a),o.inPlace(t,[r],\"wrap-logger-\",(()=>E.get(c))),i}function A(){const e=(0,h.pV)();g.forEach((t=>{e[t]=(...r)=>function(t,...r){let n=[];return Object.values(e.initializedAgents).forEach((e=>{e&&e.api?e.exposed&&e.api[t]&&n.push(e.api[t](...r)):(0,l.R)(38,t)})),n.length>1?n:n[0]}(t,...r)}))}const S={};var N=r(9417),_=r(5603),O=r(5284);const I=e=>{const t=e.startsWith(\"http\");e+=\"/\",r.p=t?e:\"https://\"+e};let P=!1;function j(e,t={},g,R){let{init:x,info:E,loader_config:j,runtime:C={},exposed:k=!0}=t;C.loaderType=g;const L=(0,h.pV)();E||(x=L.init,E=L.info,j=L.loader_config),(0,N.xN)(e.agentIdentifier,x||{}),(0,_.a)(e.agentIdentifier,j||{}),E.jsAttributes??={},d.bv&&(E.jsAttributes.isWorker=!0),(0,i.x1)(e.agentIdentifier,E);const H=(0,N.D0)(e.agentIdentifier),M=[E.beacon,E.errorBeacon];P||(H.proxy.assets&&(I(H.proxy.assets),M.push(H.proxy.assets)),H.proxy.beacon&&M.push(H.proxy.beacon),A(),(0,h.US)(\"activatedFeatures\",O.B),e.runSoftNavOverSpa&&=!0===H.soft_navigations.enabled&&H.feature_flags.includes(\"soft_nav\")),C.denyList=[...H.ajax.deny_list||[],...H.ajax.block_internal?M:[]],C.ptid=e.agentIdentifier,(0,o.V)(e.agentIdentifier,C),e.ee=s.ee.get(e.agentIdentifier),void 0===e.api&&(e.api=function(e,t,h=!1){t||(0,c.Ak)(e,\"api\");const g={};var R=s.ee.get(e),x=R.get(\"tracer\");S[e]=b.g.OFF,R.on(p.G4.REPLAY_RUNNING,(t=>{S[e]=t}));var E=\"api-\",A=E+\"ixn-\";function N(t,r,n,o){const a=(0,i.Vp)(e);return null===r?delete a.jsAttributes[t]:(0,i.x1)(e,{...a,jsAttributes:{...a.jsAttributes,[t]:r}}),I(E,n,!0,o||null===r?\"session\":void 0)(t,r)}function _(){}g.log=function(e,{customAttributes:t={},level:r=y.p_.INFO}={}){(0,a.p)(f.xV,[\"API/log/called\"],void 0,n.K7.metrics,R),(0,w.R)(R,e,t,r)},g.wrapLogger=(e,t,{customAttributes:r={},level:i=y.p_.INFO}={})=>{(0,a.p)(f.xV,[\"API/wrapLogger/called\"],void 0,n.K7.metrics,R),T(R,e,t,{customAttributes:r,level:i})},m.forEach((e=>{g[e]=I(E,e,!0,\"api\")})),g.addPageAction=I(E,\"addPageAction\",!0,n.K7.genericEvents),g.recordCustomEvent=I(E,\"recordCustomEvent\",!0,n.K7.genericEvents),g.setPageViewName=function(t,r){if(\"string\"==typeof t)return\"/\"!==t.charAt(0)&&(t=\"/\"+t),(0,o.f)(e).customTransaction=(r||\"http://custom.transaction\")+t,I(E,\"setPageViewName\",!0)()},g.setCustomAttribute=function(e,t,r=!1){if(\"string\"==typeof e){if([\"string\",\"number\",\"boolean\"].includes(typeof t)||null===t)return N(e,t,\"setCustomAttribute\",r);(0,l.R)(40,typeof t)}else(0,l.R)(39,typeof e)},g.setUserId=function(e){if(\"string\"==typeof e||null===e)return N(\"enduser.id\",e,\"setUserId\",!0);(0,l.R)(41,typeof e)},g.setApplicationVersion=function(e){if(\"string\"==typeof e||null===e)return N(\"application.version\",e,\"setApplicationVersion\",!1);(0,l.R)(42,typeof e)},g.start=()=>{try{(0,a.p)(f.xV,[\"API/start/called\"],void 0,n.K7.metrics,R),R.emit(\"manual-start-all\")}catch(e){(0,l.R)(23,e)}},g[p.G4.RECORD]=function(){(0,a.p)(f.xV,[\"API/recordReplay/called\"],void 0,n.K7.metrics,R),(0,a.p)(p.G4.RECORD,[],void 0,n.K7.sessionReplay,R)},g[p.G4.PAUSE]=function(){(0,a.p)(f.xV,[\"API/pauseReplay/called\"],void 0,n.K7.metrics,R),(0,a.p)(p.G4.PAUSE,[],void 0,n.K7.sessionReplay,R)},g.interaction=function(e){return(new _).get(\"object\"==typeof e?e:{})};const O=_.prototype={createTracer:function(e,t){var r={},i=this,o=\"function\"==typeof t;return(0,a.p)(f.xV,[\"API/createTracer/called\"],void 0,n.K7.metrics,R),h||(0,a.p)(A+\"tracer\",[(0,v.t)(),e,r],i,n.K7.spa,R),function(){if(x.emit((o?\"\":\"no-\")+\"fn-start\",[(0,v.t)(),i,o],r),o)try{return t.apply(this,arguments)}catch(e){const t=\"string\"==typeof e?new Error(e):e;throw x.emit(\"fn-err\",[arguments,this,t],r),t}finally{x.emit(\"fn-end\",[(0,v.t)()],r)}}}};function I(e,t,r,i){return function(){return(0,a.p)(f.xV,[\"API/\"+t+\"/called\"],void 0,n.K7.metrics,R),i&&(0,a.p)(e+t,[r?(0,v.t)():performance.now(),...arguments],r?null:this,i,R),r?void 0:this}}function P(){r.e(478).then(r.bind(r,8778)).then((({setAPI:t})=>{t(e),(0,c.Ze)(e,\"api\")})).catch((e=>{(0,l.R)(27,e),R.abort()}))}return[\"actionText\",\"setName\",\"setAttribute\",\"save\",\"ignore\",\"onEnd\",\"getContext\",\"end\",\"get\"].forEach((e=>{O[e]=I(A,e,void 0,h?n.K7.softNav:n.K7.spa)})),g.setCurrentRouteName=h?I(A,\"routeName\",void 0,n.K7.softNav):I(E,\"routeName\",!0,n.K7.spa),g.noticeError=function(t,r){\"string\"==typeof t&&(t=new Error(t)),(0,a.p)(f.xV,[\"API/noticeError/called\"],void 0,n.K7.metrics,R),(0,a.p)(\"err\",[t,(0,v.t)(),!1,r,!!S[e]],void 0,n.K7.jserrors,R)},d.RI?(0,u.GG)((()=>P()),!0):P(),g}(e.agentIdentifier,R,e.runSoftNavOverSpa)),void 0===e.exposed&&(e.exposed=k),P=!0}},8374:(e,t,r)=>{r.nc=(()=>{try{return document?.currentScript?.nonce}catch(e){}return\"\"})()},860:(e,t,r)=>{\"use strict\";r.d(t,{$J:()=>u,K7:()=>s,P3:()=>c,XX:()=>i,qY:()=>n,v4:()=>a});const n=\"events\",i=\"jserrors\",o=\"browser/blobs\",a=\"rum\",s={ajax:\"ajax\",genericEvents:\"generic_events\",jserrors:i,logging:\"logging\",metrics:\"metrics\",pageAction:\"page_action\",pageViewEvent:\"page_view_event\",pageViewTiming:\"page_view_timing\",sessionReplay:\"session_replay\",sessionTrace:\"session_trace\",softNav:\"soft_navigations\",spa:\"spa\"},c={[s.pageViewEvent]:1,[s.pageViewTiming]:2,[s.metrics]:3,[s.jserrors]:4,[s.spa]:5,[s.ajax]:6,[s.sessionTrace]:7,[s.softNav]:8,[s.sessionReplay]:9,[s.logging]:10,[s.genericEvents]:11},u={[s.pageViewEvent]:a,[s.pageViewTiming]:n,[s.ajax]:n,[s.spa]:n,[s.softNav]:n,[s.metrics]:i,[s.jserrors]:i,[s.sessionTrace]:o,[s.sessionReplay]:o,[s.logging]:\"browser/logs\",[s.genericEvents]:\"ins\"}}},n={};function i(e){var t=n[e];if(void 0!==t)return t.exports;var o=n[e]={exports:{}};return r[e](o,o.exports,i),o.exports}i.m=r,i.d=(e,t)=>{for(var r in t)i.o(t,r)&&!i.o(e,r)&&Object.defineProperty(e,r,{enumerable:!0,get:t[r]})},i.f={},i.e=e=>Promise.all(Object.keys(i.f).reduce(((t,r)=>(i.f[r](e,t),t)),[])),i.u=e=>({212:\"nr-spa-compressor\",249:\"nr-spa-recorder\",478:\"nr-spa\"}[e]+\"-1.281.0.min.js\"),i.o=(e,t)=>Object.prototype.hasOwnProperty.call(e,t),e={},t=\"NRBA-1.281.0.PROD:\",i.l=(r,n,o,a)=>{if(e[r])e[r].push(n);else{var s,c;if(void 0!==o)for(var u=document.getElementsByTagName(\"script\"),d=0;d{s.onerror=s.onload=null,clearTimeout(p);var i=e[r];if(delete e[r],s.parentNode&&s.parentNode.removeChild(s),i&&i.forEach((e=>e(n))),t)return t(n)},p=setTimeout(h.bind(null,void 0,{type:\"timeout\",target:s}),12e4);s.onerror=h.bind(null,s.onerror),s.onload=h.bind(null,s.onload),c&&document.head.appendChild(s)}},i.r=e=>{\"undefined\"!=typeof Symbol&&Symbol.toStringTag&&Object.defineProperty(e,Symbol.toStringTag,{value:\"Module\"}),Object.defineProperty(e,\"__esModule\",{value:!0})},i.p=\"https://js-agent.newrelic.com/\",(()=>{var e={38:0,788:0};i.f.j=(t,r)=>{var n=i.o(e,t)?e[t]:void 0;if(0!==n)if(n)r.push(n[2]);else{var o=new Promise(((r,i)=>n=e[t]=[r,i]));r.push(n[2]=o);var a=i.p+i.u(t),s=new Error;i.l(a,(r=>{if(i.o(e,t)&&(0!==(n=e[t])&&(e[t]=void 0),n)){var o=r&&(\"load\"===r.type?\"missing\":r.type),a=r&&r.target&&r.target.src;s.message=\"Loading chunk \"+t+\" failed.\\n(\"+o+\": \"+a+\")\",s.name=\"ChunkLoadError\",s.type=o,s.request=a,n[1](s)}}),\"chunk-\"+t,t)}};var t=(t,r)=>{var n,o,[a,s,c]=r,u=0;if(a.some((t=>0!==e[t]))){for(n in s)i.o(s,n)&&(i.m[n]=s[n]);if(c)c(i)}for(t&&t(r);u{\"use strict\";i(8374);var e=i(944),t=i(6344),r=i(9566);class n{agentIdentifier;constructor(){this.agentIdentifier=(0,r.LA)(16)}#e(t,...r){if(\"function\"==typeof this.api?.[t])return this.api[t](...r);(0,e.R)(35,t)}addPageAction(e,t){return this.#e(\"addPageAction\",e,t)}recordCustomEvent(e,t){return this.#e(\"recordCustomEvent\",e,t)}setPageViewName(e,t){return this.#e(\"setPageViewName\",e,t)}setCustomAttribute(e,t,r){return this.#e(\"setCustomAttribute\",e,t,r)}noticeError(e,t){return this.#e(\"noticeError\",e,t)}setUserId(e){return this.#e(\"setUserId\",e)}setApplicationVersion(e){return this.#e(\"setApplicationVersion\",e)}setErrorHandler(e){return this.#e(\"setErrorHandler\",e)}addRelease(e,t){return this.#e(\"addRelease\",e,t)}log(e,t){return this.#e(\"log\",e,t)}}class o extends n{#e(t,...r){if(\"function\"==typeof this.api?.[t])return this.api[t](...r);(0,e.R)(35,t)}start(){return this.#e(\"start\")}finished(e){return this.#e(\"finished\",e)}recordReplay(){return this.#e(t.G4.RECORD)}pauseReplay(){return this.#e(t.G4.PAUSE)}addToTrace(e){return this.#e(\"addToTrace\",e)}setCurrentRouteName(e){return this.#e(\"setCurrentRouteName\",e)}interaction(){return this.#e(\"interaction\")}wrapLogger(e,t,r){return this.#e(\"wrapLogger\",e,t,r)}}var a=i(860),s=i(9417);const c=Object.values(a.K7);function u(e){const t={};return c.forEach((r=>{t[r]=function(e,t){return!0===(0,s.gD)(t,\"\".concat(e,\".enabled\"))}(r,e)})),t}var d=i(425);var l=i(1687),f=i(4234),h=i(5289),p=i(6154),g=i(5270),m=i(7767),v=i(6389);class b extends f.W{constructor(e,t,r=!0){super(e.agentIdentifier,t),this.auto=r,this.abortHandler=void 0,this.featAggregate=void 0,this.onAggregateImported=void 0,!1===e.init[this.featureName].autoStart&&(this.auto=!1),this.auto?(0,l.Ak)(e.agentIdentifier,t):this.ee.on(\"manual-start-all\",(0,v.J)((()=>{(0,l.Ak)(e.agentIdentifier,this.featureName),this.auto=!0,this.importAggregator(e)})))}importAggregator(t,r={}){if(this.featAggregate||!this.auto)return;let n;this.onAggregateImported=new Promise((e=>{n=e}));const o=async()=>{let o;try{if((0,m.V)(this.agentIdentifier)){const{setupAgentSession:e}=await i.e(478).then(i.bind(i,6526));o=e(t)}}catch(t){(0,e.R)(20,t),this.ee.emit(\"internal-error\",[t]),this.featureName===a.K7.sessionReplay&&this.abortHandler?.()}try{if(!this.#t(this.featureName,o))return(0,l.Ze)(this.agentIdentifier,this.featureName),void n(!1);const{lazyFeatureLoader:e}=await i.e(478).then(i.bind(i,6103)),{Aggregate:a}=await e(this.featureName,\"aggregate\");this.featAggregate=new a(t,r),t.runtime.harvester.initializedAggregates.push(this.featAggregate),n(!0)}catch(t){(0,e.R)(34,t),this.abortHandler?.(),(0,l.Ze)(this.agentIdentifier,this.featureName,!0),n(!1),this.ee&&this.ee.abort()}};p.RI?(0,h.GG)((()=>o()),!0):o()}#t(e,t){switch(e){case a.K7.sessionReplay:return(0,g.SR)(this.agentIdentifier)&&!!t;case a.K7.sessionTrace:return!!t;default:return!0}}}var y=i(6630);class w extends b{static featureName=y.T;constructor(e,t=!0){super(e,y.T,t),this.importAggregator(e)}}var R=i(384);var x=i(9908),E=i(2843),T=i(3878),A=i(782),S=i(1863);class N extends b{static featureName=A.T;constructor(e,t=!0){super(e,A.T,t),p.RI&&((0,E.u)((()=>(0,x.p)(\"docHidden\",[(0,S.t)()],void 0,A.T,this.ee)),!0),(0,T.sp)(\"pagehide\",(()=>(0,x.p)(\"winPagehide\",[(0,S.t)()],void 0,A.T,this.ee))),this.importAggregator(e))}}var _=i(3969);class O extends b{static featureName=_.TZ;constructor(e,t=!0){super(e,_.TZ,t),this.importAggregator(e)}}var I=i(6774),P=i(3304);class j{constructor(e,t,r,n,i){this.name=\"UncaughtError\",this.message=\"string\"==typeof e?e:(0,P.A)(e),this.sourceURL=t,this.line=r,this.column=n,this.__newrelic=i}}function C(e){return H(e)?e:new j(void 0!==e?.message?e.message:e,e?.filename||e?.sourceURL,e?.lineno||e?.line,e?.colno||e?.col,e?.__newrelic)}function k(e){const t=\"Unhandled Promise Rejection\";if(!e?.reason)return;if(H(e.reason))try{return e.reason.message=t+\": \"+e.reason.message,C(e.reason)}catch(t){return C(e.reason)}const r=C(e.reason);return r.message=t+\": \"+r?.message,r}function L(e){if(e.error instanceof SyntaxError&&!/:\\d+$/.test(e.error.stack?.trim())){const t=new j(e.message,e.filename,e.lineno,e.colno,e.error.__newrelic);return t.name=SyntaxError.name,t}return H(e.error)?e.error:C(e)}function H(e){return e instanceof Error&&!!e.stack}class M extends b{static featureName=I.T;#r=!1;constructor(e,r=!0){super(e,I.T,r);try{this.removeOnAbort=new AbortController}catch(e){}this.ee.on(\"internal-error\",((e,t)=>{this.abortHandler&&(0,x.p)(\"ierr\",[C(e),(0,S.t)(),!0,{},this.#r,t],void 0,this.featureName,this.ee)})),this.ee.on(t.G4.REPLAY_RUNNING,(e=>{this.#r=e})),p.gm.addEventListener(\"unhandledrejection\",(e=>{this.abortHandler&&(0,x.p)(\"err\",[k(e),(0,S.t)(),!1,{unhandledPromiseRejection:1},this.#r],void 0,this.featureName,this.ee)}),(0,T.jT)(!1,this.removeOnAbort?.signal)),p.gm.addEventListener(\"error\",(e=>{this.abortHandler&&(0,x.p)(\"err\",[L(e),(0,S.t)(),!1,{},this.#r],void 0,this.featureName,this.ee)}),(0,T.jT)(!1,this.removeOnAbort?.signal)),this.abortHandler=this.#n,this.importAggregator(e)}#n(){this.removeOnAbort?.abort(),this.abortHandler=void 0}}var D=i(8990);let K=1;const U=\"nr@id\";function V(e){const t=typeof e;return!e||\"object\"!==t&&\"function\"!==t?-1:e===p.gm?0:(0,D.I)(e,U,(function(){return K++}))}function G(e){if(\"string\"==typeof e&&e.length)return e.length;if(\"object\"==typeof e){if(\"undefined\"!=typeof ArrayBuffer&&e instanceof ArrayBuffer&&e.byteLength)return e.byteLength;if(\"undefined\"!=typeof Blob&&e instanceof Blob&&e.size)return e.size;if(!(\"undefined\"!=typeof FormData&&e instanceof FormData))try{return(0,P.A)(e).length}catch(e){return}}}var F=i(8139),B=i(7836),W=i(3434);const z={},q=[\"open\",\"send\"];function Z(t){var r=t||B.ee;const n=function(e){return(e||B.ee).get(\"xhr\")}(r);if(void 0===p.gm.XMLHttpRequest)return n;if(z[n.debugId]++)return n;z[n.debugId]=1,(0,F.u)(r);var i=(0,W.YM)(n),o=p.gm.XMLHttpRequest,a=p.gm.MutationObserver,s=p.gm.Promise,c=p.gm.setInterval,u=\"readystatechange\",d=[\"onload\",\"onerror\",\"onabort\",\"onloadstart\",\"onloadend\",\"onprogress\",\"ontimeout\"],l=[],f=p.gm.XMLHttpRequest=function(t){const r=new o(t),a=n.context(r);try{n.emit(\"new-xhr\",[r],a),r.addEventListener(u,(s=a,function(){var e=this;e.readyState>3&&!s.resolved&&(s.resolved=!0,n.emit(\"xhr-resolved\",[],e)),i.inPlace(e,d,\"fn-\",y)}),(0,T.jT)(!1))}catch(t){(0,e.R)(15,t);try{n.emit(\"internal-error\",[t])}catch(e){}}var s;return r};function h(e,t){i.inPlace(t,[\"onreadystatechange\"],\"fn-\",y)}if(function(e,t){for(var r in e)t[r]=e[r]}(o,f),f.prototype=o.prototype,i.inPlace(f.prototype,q,\"-xhr-\",y),n.on(\"send-xhr-start\",(function(e,t){h(e,t),function(e){l.push(e),a&&(g?g.then(b):c?c(b):(m=-m,v.data=m))}(t)})),n.on(\"open-xhr-start\",h),a){var g=s&&s.resolve();if(!c&&!s){var m=1,v=document.createTextNode(m);new a(b).observe(v,{characterData:!0})}}else r.on(\"fn-end\",(function(e){e[0]&&e[0].type===u||b()}));function b(){for(var e=0;e{r(Q[te],e,X),r(ee[te],e,X)})),r(p.gm,\"fetch\",Y),t.on(Y+\"end\",(function(e,r){var n=this;if(r){var i=r.headers.get(\"content-length\");null!==i&&(n.rxSize=i),t.emit(Y+\"done\",[null,r],n)}else t.emit(Y+\"done\",[e],n)})),t}var ie=i(7485),oe=i(5603);class ae{constructor(e){this.agentIdentifier=e}generateTracePayload(e){if(!this.shouldGenerateTrace(e))return null;var t=(0,oe.o)(this.agentIdentifier);if(!t)return null;var n=(t.accountID||\"\").toString()||null,i=(t.agentID||\"\").toString()||null,o=(t.trustKey||\"\").toString()||null;if(!n||!i)return null;var a=(0,r.ZF)(),s=(0,r.el)(),c=Date.now(),u={spanId:a,traceId:s,timestamp:c};return(e.sameOrigin||this.isAllowedOrigin(e)&&this.useTraceContextHeadersForCors())&&(u.traceContextParentHeader=this.generateTraceContextParentHeader(a,s),u.traceContextStateHeader=this.generateTraceContextStateHeader(a,c,n,i,o)),(e.sameOrigin&&!this.excludeNewrelicHeader()||!e.sameOrigin&&this.isAllowedOrigin(e)&&this.useNewrelicHeaderForCors())&&(u.newrelicHeader=this.generateTraceHeader(a,s,c,n,i,o)),u}generateTraceContextParentHeader(e,t){return\"00-\"+t+\"-\"+e+\"-01\"}generateTraceContextStateHeader(e,t,r,n,i){return i+\"@nr=0-1-\"+r+\"-\"+n+\"-\"+e+\"----\"+t}generateTraceHeader(e,t,r,n,i,o){if(!(\"function\"==typeof p.gm?.btoa))return null;var a={v:[0,1],d:{ty:\"Browser\",ac:n,ap:i,id:e,tr:t,ti:r}};return o&&n!==o&&(a.d.tk=o),btoa((0,P.A)(a))}shouldGenerateTrace(e){return this.isDtEnabled()&&this.isAllowedOrigin(e)}isAllowedOrigin(e){var t=!1,r={};if((0,s.gD)(this.agentIdentifier,\"distributed_tracing\")&&(r=(0,s.D0)(this.agentIdentifier).distributed_tracing),e.sameOrigin)t=!0;else if(r.allowed_origins instanceof Array)for(var n=0;n(0,x.p)(e,t,r,n,this.ee);try{const e={xmlhttprequest:\"xhr\",fetch:\"fetch\",beacon:\"beacon\"};p.gm?.performance?.getEntriesByType(\"resource\").forEach((t=>{if(t.initiatorType in e&&0!==t.responseStatus){const r={status:t.responseStatus},n={rxSize:t.transferSize,duration:Math.floor(t.duration),cbTime:0};pe(r,t.name),this.handler(\"xhr\",[r,n,t.startTime,t.responseEnd,e[t.initiatorType]],void 0,a.K7.ajax)}}))}catch(e){}ne(this.ee),Z(this.ee),function(e,t,r,n){function i(e){var t=this;t.totalCbs=0,t.called=0,t.cbTime=0,t.end=R,t.ended=!1,t.xhrGuids={},t.lastSize=null,t.loadCaptureCalled=!1,t.params=this.params||{},t.metrics=this.metrics||{},e.addEventListener(\"load\",(function(r){E(t,e)}),(0,T.jT)(!1)),p.lR||e.addEventListener(\"progress\",(function(e){t.lastSize=e.loaded}),(0,T.jT)(!1))}function o(e){this.params={method:e[0]},pe(this,e[1]),this.metrics={}}function s(t,r){e.loader_config.xpid&&this.sameOrigin&&r.setRequestHeader(\"X-NewRelic-ID\",e.loader_config.xpid);var i=n.generateTracePayload(this.parsedOrigin);if(i){var o=!1;i.newrelicHeader&&(r.setRequestHeader(\"newrelic\",i.newrelicHeader),o=!0),i.traceContextParentHeader&&(r.setRequestHeader(\"traceparent\",i.traceContextParentHeader),i.traceContextStateHeader&&r.setRequestHeader(\"tracestate\",i.traceContextStateHeader),o=!0),o&&(this.dt=i)}}function c(e,r){var n=this.metrics,i=e[0],o=this;if(n&&i){var a=G(i);a&&(n.txSize=a)}this.startTime=(0,S.t)(),this.body=i,this.listener=function(e){try{\"abort\"!==e.type||o.loadCaptureCalled||(o.params.aborted=!0),(\"load\"!==e.type||o.called===o.totalCbs&&(o.onloadCalled||\"function\"!=typeof r.onload)&&\"function\"==typeof o.end)&&o.end(r)}catch(e){try{t.emit(\"internal-error\",[e])}catch(e){}}};for(var s=0;s1?e[1]=o:e.push(o)}}function s(e,t){var r=!1;return t.newrelicHeader&&(e.set(\"newrelic\",t.newrelicHeader),r=!0),t.traceContextParentHeader&&(e.set(\"traceparent\",t.traceContextParentHeader),t.traceContextStateHeader&&e.set(\"tracestate\",t.traceContextStateHeader),r=!0),r}}function y(e,t){this.params={},this.metrics={},this.startTime=(0,S.t)(),this.dt=t,e.length>=1&&(this.target=e[0]),e.length>=2&&(this.opts=e[1]);var r,n=this.opts||{},i=this.target;\"string\"==typeof i?r=i:\"object\"==typeof i&&i instanceof le?r=i.url:p.gm?.URL&&\"object\"==typeof i&&i instanceof URL&&(r=i.href),pe(this,r);var o=(\"\"+(i&&i instanceof le&&i.method||n.method||\"GET\")).toUpperCase();this.params.method=o,this.body=n.body,this.txSize=G(n.body)||0}function w(e,t){if(this.endTime=(0,S.t)(),this.params||(this.params={}),(0,ce.iW)(this.params))return;let n;this.params.status=t?t.status:0,\"string\"==typeof this.rxSize&&this.rxSize.length>0&&(n=+this.rxSize);const i={txSize:this.txSize,rxSize:n,duration:(0,S.t)()-this.startTime};r(\"xhr\",[this.params,i,this.startTime,this.endTime,\"fetch\"],this,a.K7.ajax)}function R(e){const t=this.params,n=this.metrics;if(!this.ended){this.ended=!0;for(let t=0;t{const t=e.getEntries();(0,x.p)(ye,[t],void 0,a.K7.sessionTrace,r)})),n.observe({type:we,buffered:!0})}catch(e){}this.importAggregator(e,{resourceObserver:n})}}var _e=i(2614);class Oe extends b{static featureName=t.TZ;#i;#o;constructor(e,r=!0){let n;super(e,t.TZ,r),this.replayRunning=!1,this.#o=e;try{n=JSON.parse(localStorage.getItem(\"\".concat(_e.H3,\"_\").concat(_e.uh)))}catch(e){}(0,g.SR)(e.agentIdentifier)&&this.ee.on(t.G4.RECORD,(()=>this.#a())),this.#s(n)?(this.#i=n?.sessionReplayMode,this.#c()):this.importAggregator(e),this.ee.on(\"err\",(e=>{this.replayRunning&&(this.errorNoticed=!0,(0,x.p)(t.G4.ERROR_DURING_REPLAY,[e],void 0,this.featureName,this.ee))})),this.ee.on(t.G4.REPLAY_RUNNING,(e=>{this.replayRunning=e}))}#s(e){return e&&(e.sessionReplayMode===_e.g.FULL||e.sessionReplayMode===_e.g.ERROR)||(0,g.Aw)(this.agentIdentifier)}#u=!1;async#c(e){if(!this.#u){this.#u=!0;try{const{Recorder:t}=await Promise.all([i.e(478),i.e(249)]).then(i.bind(i,8589));this.recorder??=new t({mode:this.#i,agentIdentifier:this.agentIdentifier,trigger:e,ee:this.ee,agentRef:this.#o}),this.recorder.startRecording(),this.abortHandler=this.recorder.stopRecording}catch(e){}this.importAggregator(this.#o,{recorder:this.recorder,errorNoticed:this.errorNoticed})}}#a(){this.featAggregate?this.featAggregate.mode!==_e.g.FULL&&this.featAggregate.initializeRecording(_e.g.FULL,!0):(this.#i=_e.g.FULL,this.#c(t.Qb.API),this.recorder&&this.recorder.parent.mode!==_e.g.FULL&&(this.recorder.parent.mode=_e.g.FULL,this.recorder.stopRecording(),this.recorder.startRecording(),this.abortHandler=this.recorder.stopRecording))}}var Ie=i(3962);class Pe extends b{static featureName=Ie.TZ;constructor(e,t=!0){if(super(e,Ie.TZ,t),!p.RI||!(0,R.dV)().o.MO)return;const r=ve(this.ee);Ie.tC.forEach((e=>{(0,T.sp)(e,(e=>{a(e)}),!0)}));const n=()=>(0,x.p)(\"newURL\",[(0,S.t)(),\"\"+window.location],void 0,this.featureName,this.ee);r.on(\"pushState-end\",n),r.on(\"replaceState-end\",n);try{this.removeOnAbort=new AbortController}catch(e){}(0,T.sp)(\"popstate\",(e=>(0,x.p)(\"newURL\",[e.timeStamp,\"\"+window.location],void 0,this.featureName,this.ee)),!0,this.removeOnAbort?.signal);let i=!1;const o=new((0,R.dV)().o.MO)(((e,t)=>{i||(i=!0,requestAnimationFrame((()=>{(0,x.p)(\"newDom\",[(0,S.t)()],void 0,this.featureName,this.ee),i=!1})))})),a=(0,v.s)((e=>{(0,x.p)(\"newUIEvent\",[e],void 0,this.featureName,this.ee),o.observe(document.body,{attributes:!0,childList:!0,subtree:!0,characterData:!0})}),100,{leading:!0});this.abortHandler=function(){this.removeOnAbort?.abort(),o.disconnect(),this.abortHandler=void 0},this.importAggregator(e,{domObserver:o})}}var je=i(7378);const Ce={},ke=[\"appendChild\",\"insertBefore\",\"replaceChild\"];function Le(e){const t=function(e){return(e||B.ee).get(\"jsonp\")}(e);if(!p.RI||Ce[t.debugId])return t;Ce[t.debugId]=!0;var r=(0,W.YM)(t),n=/[?&](?:callback|cb)=([^&#]+)/,i=/(.*)\\.([^.]+)/,o=/^(\\w+)(\\.|$)(.*)$/;function a(e,t){if(!e)return t;const r=e.match(o),n=r[1];return a(r[3],t[n])}return r.inPlace(Node.prototype,ke,\"dom-\"),t.on(\"dom-start\",(function(e){!function(e){if(!e||\"string\"!=typeof e.nodeName||\"script\"!==e.nodeName.toLowerCase())return;if(\"function\"!=typeof e.addEventListener)return;var o=(s=e.src,c=s.match(n),c?c[1]:null);var s,c;if(!o)return;var u=function(e){var t=e.match(i);if(t&&t.length>=3)return{key:t[2],parent:a(t[1],window)};return{key:e,parent:window}}(o);if(\"function\"!=typeof u.parent[u.key])return;var d={};function l(){t.emit(\"jsonp-end\",[],d),e.removeEventListener(\"load\",l,(0,T.jT)(!1)),e.removeEventListener(\"error\",f,(0,T.jT)(!1))}function f(){t.emit(\"jsonp-error\",[],d),t.emit(\"jsonp-end\",[],d),e.removeEventListener(\"load\",l,(0,T.jT)(!1)),e.removeEventListener(\"error\",f,(0,T.jT)(!1))}r.inPlace(u.parent,[u.key],\"cb-\",d),e.addEventListener(\"load\",l,(0,T.jT)(!1)),e.addEventListener(\"error\",f,(0,T.jT)(!1)),t.emit(\"new-jsonp\",[e.src],d)}(e[0])})),t}const He={};function Me(e){const t=function(e){return(e||B.ee).get(\"promise\")}(e);if(He[t.debugId])return t;He[t.debugId]=!0;var r=t.context,n=(0,W.YM)(t),i=p.gm.Promise;return i&&function(){function e(r){var o=t.context(),a=n(r,\"executor-\",o,null,!1);const s=Reflect.construct(i,[a],e);return t.context(s).getCtx=function(){return o},s}p.gm.Promise=e,Object.defineProperty(e,\"name\",{value:\"Promise\"}),e.toString=function(){return i.toString()},Object.setPrototypeOf(e,i),[\"all\",\"race\"].forEach((function(r){const n=i[r];e[r]=function(e){let i=!1;[...e||[]].forEach((e=>{this.resolve(e).then(a(\"all\"===r),a(!1))}));const o=n.apply(this,arguments);return o;function a(e){return function(){t.emit(\"propagate\",[null,!i],o,!1,!1),i=i||!e}}}})),[\"resolve\",\"reject\"].forEach((function(r){const n=i[r];e[r]=function(e){const r=n.apply(this,arguments);return e!==r&&t.emit(\"propagate\",[e,!0],r,!1,!1),r}})),e.prototype=i.prototype;const o=i.prototype.then;i.prototype.then=function(...e){var i=this,a=r(i);a.promise=i,e[0]=n(e[0],\"cb-\",a,null,!1),e[1]=n(e[1],\"cb-\",a,null,!1);const s=o.apply(this,e);return a.nextPromise=s,t.emit(\"propagate\",[i,!0],s,!1,!1),s},i.prototype.then[W.Jt]=o,t.on(\"executor-start\",(function(e){e[0]=n(e[0],\"resolve-\",this,null,!1),e[1]=n(e[1],\"resolve-\",this,null,!1)})),t.on(\"executor-err\",(function(e,t,r){e[1](r)})),t.on(\"cb-end\",(function(e,r,n){t.emit(\"propagate\",[n,!0],this.nextPromise,!1,!1)})),t.on(\"propagate\",(function(e,r,n){this.getCtx&&!r||(this.getCtx=function(){if(e instanceof Promise)var r=t.context(e);return r&&r.getCtx?r.getCtx():this})}))}(),t}const De={},Ke=\"setTimeout\",Ue=\"setInterval\",Ve=\"clearTimeout\",Ge=\"-start\",Fe=[Ke,\"setImmediate\",Ue,Ve,\"clearImmediate\"];function Be(e){const t=function(e){return(e||B.ee).get(\"timer\")}(e);if(De[t.debugId]++)return t;De[t.debugId]=1;var r=(0,W.YM)(t);return r.inPlace(p.gm,Fe.slice(0,2),Ke+\"-\"),r.inPlace(p.gm,Fe.slice(2,3),Ue+\"-\"),r.inPlace(p.gm,Fe.slice(3),Ve+\"-\"),t.on(Ue+Ge,(function(e,t,n){e[0]=r(e[0],\"fn-\",null,n)})),t.on(Ke+Ge,(function(e,t,n){this.method=n,this.timerDuration=isNaN(e[1])?0:+e[1],e[0]=r(e[0],\"fn-\",this,n)})),t}const We={};function ze(e){const t=function(e){return(e||B.ee).get(\"mutation\")}(e);if(!p.RI||We[t.debugId])return t;We[t.debugId]=!0;var r=(0,W.YM)(t),n=p.gm.MutationObserver;return n&&(window.MutationObserver=function(e){return this instanceof n?new n(r(e,\"fn-\")):n.apply(this,arguments)},MutationObserver.prototype=n.prototype),t}const{TZ:qe,d3:Ze,Kp:Ye,$p:Xe,wW:$e,e5:Je,tH:Qe,uP:et,rw:tt,Lc:rt}=je;class nt extends b{static featureName=qe;constructor(e,t=!0){if(super(e,qe,t),!p.RI)return;try{this.removeOnAbort=new AbortController}catch(e){}let r,n=0;const i=this.ee.get(\"tracer\"),o=Le(this.ee),a=Me(this.ee),s=Be(this.ee),c=Z(this.ee),u=this.ee.get(\"events\"),d=ne(this.ee),l=ve(this.ee),f=ze(this.ee);function h(e,t){l.emit(\"newURL\",[\"\"+window.location,t])}function g(){n++,r=window.location.hash,this[et]=(0,S.t)()}function m(){n--,window.location.hash!==r&&h(0,!0);var e=(0,S.t)();this[Je]=~~this[Je]+e-this[et],this[rt]=e}function v(e,t){e.on(t,(function(){this[t]=(0,S.t)()}))}this.ee.on(et,g),a.on(tt,g),o.on(tt,g),this.ee.on(rt,m),a.on($e,m),o.on($e,m),this.ee.on(\"fn-err\",((...t)=>{t[2]?.__newrelic?.[e.agentIdentifier]||(0,x.p)(\"function-err\",[...t],void 0,this.featureName,this.ee)})),this.ee.buffer([et,rt,\"xhr-resolved\"],this.featureName),u.buffer([et],this.featureName),s.buffer([\"setTimeout\"+Ye,\"clearTimeout\"+Ze,et],this.featureName),c.buffer([et,\"new-xhr\",\"send-xhr\"+Ze],this.featureName),d.buffer([Qe+Ze,Qe+\"-done\",Qe+Xe+Ze,Qe+Xe+Ye],this.featureName),l.buffer([\"newURL\"],this.featureName),f.buffer([et],this.featureName),a.buffer([\"propagate\",tt,$e,\"executor-err\",\"resolve\"+Ze],this.featureName),i.buffer([et,\"no-\"+et],this.featureName),o.buffer([\"new-jsonp\",\"cb-start\",\"jsonp-error\",\"jsonp-end\"],this.featureName),v(d,Qe+Ze),v(d,Qe+\"-done\"),v(o,\"new-jsonp\"),v(o,\"jsonp-end\"),v(o,\"cb-start\"),l.on(\"pushState-end\",h),l.on(\"replaceState-end\",h),window.addEventListener(\"hashchange\",h,(0,T.jT)(!0,this.removeOnAbort?.signal)),window.addEventListener(\"load\",h,(0,T.jT)(!0,this.removeOnAbort?.signal)),window.addEventListener(\"popstate\",(function(){h(0,n>1)}),(0,T.jT)(!0,this.removeOnAbort?.signal)),this.abortHandler=this.#n,this.importAggregator(e)}#n(){this.removeOnAbort?.abort(),this.abortHandler=void 0}}var it=i(3333);class ot extends b{static featureName=it.TZ;constructor(e,t=!0){super(e,it.TZ,t);const r=[e.init.page_action.enabled,e.init.performance.capture_marks,e.init.performance.capture_measures,e.init.user_actions.enabled,e.init.performance.resources.enabled];if(p.RI&&(e.init.user_actions.enabled&&(it.Zp.forEach((e=>(0,T.sp)(e,(e=>(0,x.p)(\"ua\",[e],void 0,this.featureName,this.ee)),!0))),it.qN.forEach((e=>{const t=(0,v.s)((e=>{(0,x.p)(\"ua\",[e],void 0,this.featureName,this.ee)}),500,{leading:!0});(0,T.sp)(e,t)}))),e.init.performance.resources.enabled&&p.gm.PerformanceObserver?.supportedEntryTypes.includes(\"resource\"))){new PerformanceObserver((e=>{e.getEntries().forEach((e=>{(0,x.p)(\"browserPerformance.resource\",[e],void 0,this.featureName,this.ee)}))})).observe({type:\"resource\",buffered:!0})}r.some((e=>e))?this.importAggregator(e):this.deregisterDrain()}}var at=i(993),st=i(3785);class ct extends b{static featureName=at.TZ;constructor(e,t=!0){super(e,at.TZ,t);const r=this.ee;this.ee.on(\"wrap-logger-end\",(function([e]){const{level:t,customAttributes:n}=this;(0,st.R)(r,e,n,t)})),this.importAggregator(e)}}new class extends o{constructor(t){super(),p.gm?(this.features={},(0,R.bQ)(this.agentIdentifier,this),this.desiredFeatures=new Set(t.features||[]),this.desiredFeatures.add(w),this.runSoftNavOverSpa=[...this.desiredFeatures].some((e=>e.featureName===a.K7.softNav)),(0,d.j)(this,t,t.loaderType||\"agent\"),this.run()):(0,e.R)(21)}get config(){return{info:this.info,init:this.init,loader_config:this.loader_config,runtime:this.runtime}}run(){try{const t=u(this.agentIdentifier),r=[...this.desiredFeatures];r.sort(((e,t)=>a.P3[e.featureName]-a.P3[t.featureName])),r.forEach((r=>{if(!t[r.featureName]&&r.featureName!==a.K7.pageViewEvent)return;if(this.runSoftNavOverSpa&&r.featureName===a.K7.spa)return;if(!this.runSoftNavOverSpa&&r.featureName===a.K7.softNav)return;const n=function(e){switch(e){case a.K7.ajax:return[a.K7.jserrors];case a.K7.sessionTrace:return[a.K7.ajax,a.K7.pageViewEvent];case a.K7.sessionReplay:return[a.K7.sessionTrace];case a.K7.pageViewTiming:return[a.K7.pageViewEvent];default:return[]}}(r.featureName).filter((e=>!(e in this.features)));n.length>0&&(0,e.R)(36,{targetFeature:r.featureName,missingDependencies:n}),this.features[r.featureName]=new r(this)}))}catch(t){(0,e.R)(22,t);for(const e in this.features)this.features[e].abortHandler?.();const r=(0,R.Zm)();delete r.initializedAgents[this.agentIdentifier]?.api,delete r.initializedAgents[this.agentIdentifier]?.features,delete this.sharedAggregator;return r.ee.get(this.agentIdentifier).abort(),!1}}}({features:[he,w,N,Ne,Oe,O,M,ot,ct,Pe,nt],loaderType:\"spa\"})})()})();","google","testAutomationFlags",{"_604":32,"_605":32,"_606":32,"_607":32,"_608":32,"_609":32,"_610":32,"_611":32,"_612":32,"_31":32,"_613":32,"_614":177,"_615":177},"disableAds","disableIirisAuth","disableWelcomeAd","disableBigskyAd","disableIirisRecommend","disableDcts","disableWeatherWidget","disableCashGrainWidget","disableCommoditiesWidget","disableCookieBanner","overrideBrandStyling","overrideThemeStyling","configState",{"_51":52,"_49":50,"_618":8,"_619":-7,"_620":32,"_522":621,"_625":626,"_629":630,"_643":644},"uiBrand","colors","isMarketsDivision",{"_7":622,"_623":624},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/bltebaaf527b6cd001e/67979fcdc3e1cb806ad9f4ad/Group_5439.svg","contributor","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blte7e5bde4db1b485b/65e83e75eb1317040a497457/theme1_placeholder_avatar.png","media",{"_627":628},"brightcoveAccountId","70829837001","newsletterSignupPromo",{"_631":632,"_633":634},"unbounceURL","/newsletter-subscribe?code=HomePageWeb","elnConfig",{"_635":636},"newsletter",{"_637":638,"_641":642},"subscribeForm",{"_112":639,"_640":177},"Subscribe to Our Newsletters","subtitle","subscribeConfirm",{"_112":639,"_640":177},"proxyConfigs",{"_645":32,"_646":177},"proxyEnabled","proxyRootPath","brandConfig",{"_13":14,"_649":14,"_650":10,"_651":572,"_15":16,"_652":653,"_35":656,"_658":659,"_627":628,"_40":41,"_47":667,"_668":669,"_673":634,"_567":596,"_674":675,"_717":718,"_722":723,"_728":729},"siteFullName","siteUrl","siteDivision","authentication",{"_62":654},{"_30":24,"_655":29},"configId",{"_62":657},{"_37":38},"unbounce",{"_660":661,"_662":663,"_664":665,"_62":666},"local",{},"preview",{},"staging",{},{},{"_7":8,"_49":50,"_51":52},"newsletterSignupPromoContent",{"_112":639,"_670":177,"_671":672},"message","buttonText","Sign Me Up","eln","iirisRecommendation",{"_676":677,"_678":679,"_680":681,"_682":683,"_684":685,"_686":687,"_688":177,"_689":690,"_691":692,"_693":694,"_695":696,"_697":698,"_699":199,"_700":701,"_702":703,"_704":705,"_706":707,"_708":687,"_709":710,"_711":712,"_713":714,"_715":537,"_716":537},"id","widget-1733955667384","division","ic","brandFamily","hosp","entityTagBackground","#333333BF","dateFormat","MMM DD, YYYY","showBy","yes","showTime","borderRadius","4","imageWidth","324","imageHeight","182","dateTimeBgcolor","#FFFFFF","dateTimeFontColor","#767676","imagePosition","dropShadow","#FFEB00","dateTimeFontsize","12","entityTagBorderColor","#333333","borderColor","#E6E6E6","showdate","redirectMode","same","recipe","related-items","sponsoredtagbackground","#FFFF00","sponsoredposition","sponsoredcount","articleSocialShareToggle",{"_719":24,"_720":24,"_721":32},"print","email","reddit","ecommCallbackUrl",{"_660":177,"_662":724,"_664":725,"_726":725,"_62":727},"https://pr-{PR_NUM}-preview.wealthmanagement.com/process-successful-purchase","https://staging.wealthmanagement.com/process-successful-purchase","uat","https://www.wealthmanagement.com/process-successful-purchase","ecommAdvantageEndpoints",{"_660":177,"_662":730,"_664":730,"_726":730,"_62":489},"https://inf-ciderdev2-app-wealthmanagementte.onadvantagecs.com/offer/wmte-for-cider-scm","routes/$topic.$slug.$tertiary",{"_733":734,"_1415":1416,"_1422":1423,"_1442":1443,"_1452":-7,"_1453":675,"_1454":1455},"template",{"_112":370,"_735":736,"_737":177,"_196":738,"_739":740,"_747":-7,"_748":749,"_754":755,"_1166":1167},"categories",[],"categoryDesc","tertiary","breadcrumbs",[741,744,745,746],{"_56":742,"_112":743},"/","Home",{"_112":313,"_56":314},{"_112":320,"_56":321},{"_112":370,"_56":371},"newsletterSignUpPromo","pagination",{"_750":751,"_752":753},"totalCount",30,"currentPage",27,"contents",[756,781,794,807,818,833,845,857,867,879,890,902,912,925,935,946,958,967,976,988,998,1011,1021,1034,1045,1057,1068,1079,1090,1100,1111,1121,1132,1144,1155],{"_184":185,"_163":757,"_186":760,"_169":759,"_171":759,"_174":767,"_768":769,"_176":177,"_178":770,"_180":177,"_172":771,"_772":177,"_196":773,"_181":370,"_183":371,"_194":362,"_774":775,"_779":780},{"_165":758,"_167":759},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/bltf2b7bc73a797d189/6733e2f863a2a77f5af8c35c/inconvenienttruths2.gif","The Inner Game: Five Inconvenient Truths",[761],{"_54":762,"_190":763,"_192":764,"_765":766},"Matt Oechsli","/author/matt-oechsli","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt8b78fa4b3af4982f/6724b89b468f573d3d8d63fe/matt-oechsli-web.jpg","role","Columnist: The Inner Game","/marketing/the-inner-game-five-inconvenient-truths","linkAttrs",{},"May 1, 2009","These days, many financial advisors are being forced to undo behavioral and attitudinal patterns that used to lead to success. Suddenly the game has changed and those old habits","articleBodyJsonSummary","normal","paidGating",{"_776":32,"_777":778},"paidContent","paidProductTaxonomy",[],"articleSize","big",{"_184":185,"_163":782,"_186":785,"_169":784,"_171":784,"_174":789,"_768":790,"_176":177,"_178":770,"_180":177,"_172":791,"_772":177,"_196":773,"_181":370,"_183":371,"_194":362,"_774":792,"_779":780},{"_165":783,"_167":784},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt079db242afbc38e5/6733f76d61b112ccdc21e187/webwork.gif","Making the Web Work",[786],{"_54":787,"_190":788,"_192":177,"_765":177},"Elaine Pofeldt","/author/elaine-pofeldt","/marketing/making-the-web-work",{},"Having a website is a great way to win new business—and you don’t have to spend a fortune to do it right",{"_776":32,"_777":793},[],{"_184":185,"_163":795,"_186":796,"_169":800,"_171":800,"_174":801,"_768":802,"_176":177,"_178":803,"_180":177,"_172":804,"_772":177,"_196":773,"_181":370,"_183":371,"_194":362,"_774":805,"_779":780},{"_165":177,"_167":177},[797],{"_54":798,"_190":799,"_192":177,"_765":177},"Kristen French","/author/kristen-french","Bank of America Launches Client Referral Program","/marketing/bank-of-america-launches-client-referral-program",{},"Apr 15, 2009","Bank of America is in the process of rolling out a client referral program for its global wealth management division, which includes Merrill Lynch and the bank’s former Banking & Investments division (BAI), with a combined 18,000 financial advisors. BofA launched a pilot for the program in three states in early March, and will take the program national in the next 30 to 60 days. It is one of several referral programs the bank is putting together as part of its integration with Merrill Lynch, including one that would offer leads from the commercial banking division to certain Merrill Lynch advisors.",{"_776":32,"_777":806},[],{"_184":185,"_163":808,"_186":811,"_169":810,"_171":810,"_174":812,"_768":813,"_176":177,"_178":814,"_180":177,"_172":815,"_772":177,"_196":773,"_181":370,"_183":371,"_194":362,"_774":816,"_779":780},{"_165":809,"_167":810},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt6dbd7c67dc95f15a/673374d0197ac4ffc96e7e7b/back-button3.gif","Marketing Yourself",[],"/marketing/marketing-yourself",{},"Apr 1, 2009","As a financial advisor, you’re probably spending more of your time these days trying to placate clients. But here’s something you should also be doing",{"_776":32,"_777":817},[],{"_184":185,"_163":819,"_186":822,"_169":821,"_171":821,"_174":828,"_768":829,"_176":177,"_178":814,"_180":177,"_172":830,"_772":177,"_196":773,"_181":313,"_183":314,"_194":362,"_774":831,"_779":780},{"_165":820,"_167":821},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/bltb633f3c0a614d274/6733e6ed2ac70c22a51593ed/gailcohen.gif","Trust is Sexy Again",[823],{"_54":824,"_190":825,"_192":826,"_765":827},"Anne Field","/author/anne-field","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt6af29ea02d1c3780/6724b94b838a146a909cc49e/anne-field-web.jpg","Columnist: Fix My Business","/business-planning/trust-is-sexy-again",{},"With the market and Wall Street’s reputations in tatters, clients are fleeing former high-flying financial powerhouses and flocking to banks and trusts - those boring firms of yesteryear",{"_776":32,"_777":832},[],{"_184":185,"_163":834,"_186":835,"_169":837,"_171":838,"_174":839,"_768":840,"_176":177,"_178":841,"_180":177,"_172":842,"_772":177,"_196":773,"_181":313,"_183":314,"_194":362,"_774":843,"_779":780},{"_165":177,"_167":177},[836],{"_54":798,"_190":799,"_192":177,"_765":177},"60 Seconds 2009-03-01","60 Seconds","/business-planning/60-seconds-2009-03-01",{},"Mar 1, 2009","Nancy Lininger of The Consortium spoke with Registered Rep. about how to offer clients fee relief without getting into trouble",{"_776":32,"_777":844},[],{"_184":185,"_163":846,"_186":847,"_169":851,"_171":851,"_174":852,"_768":853,"_176":177,"_178":841,"_180":177,"_172":854,"_772":177,"_196":773,"_181":313,"_183":314,"_194":362,"_774":855,"_779":780},{"_165":177,"_167":177},[848],{"_54":849,"_190":850,"_192":177,"_765":177},"Christina Mucciolo","/author/christina-mucciolo","The Mating Game","/business-planning/the-mating-game",{},"Many small indie b/ds are feeling the margin pinch and have begun to quietly shop themselves around",{"_776":32,"_777":856},[],{"_184":185,"_163":858,"_186":859,"_169":861,"_171":861,"_174":862,"_768":863,"_176":177,"_178":841,"_180":177,"_172":864,"_772":177,"_196":773,"_181":313,"_183":314,"_194":362,"_774":865,"_779":780},{"_165":177,"_167":177},[860],{"_54":824,"_190":825,"_192":826,"_765":827},"Opportunity Knocks","/business-planning/opportunity-knocks",{},"There are a lot of dissatisfied clients up for grabs in this market. You can make them yours if you are creative about it",{"_776":32,"_777":866},[],{"_184":185,"_163":868,"_186":869,"_169":873,"_171":873,"_174":874,"_768":875,"_176":177,"_178":841,"_180":177,"_172":876,"_772":177,"_196":773,"_181":313,"_183":314,"_194":362,"_774":877,"_779":780},{"_165":177,"_167":177},[870],{"_54":871,"_190":872,"_192":177,"_765":177},"Dr. Alden Cass","/author/dr-alden-cass","Bullish Thinking","/business-planning/bullish-thinking",{},"With the market tanking and scandal marring Wall Street, many financial advisors are feeling stuck and hopeless. This little exercise can change the way you think, and put you back on track.",{"_776":32,"_777":878},[],{"_184":185,"_163":880,"_186":881,"_169":883,"_171":883,"_174":884,"_768":885,"_176":177,"_178":886,"_180":177,"_172":887,"_772":177,"_196":773,"_181":313,"_183":314,"_194":362,"_774":888,"_779":780},{"_165":177,"_167":177},[882],{"_54":849,"_190":850,"_192":177,"_765":177},"Fired Up About Fees","/business-planning/fired-up-about-fees",{},"Feb 1, 2009","For the past half-decade or more, financial advisors have been shifting from commissions to fees as they seek steadier revenue flows, pursue greater flexibility with client accounts and offer more planning services. And yet, for the industry overall, fees still account for just over one-third of revenues, or 35 percent, up from 25 percent three years ago, according to a 2008 survey conducted in October",{"_776":32,"_777":889},[],{"_184":185,"_163":891,"_186":892,"_169":894,"_171":895,"_174":896,"_768":897,"_176":177,"_178":898,"_180":177,"_172":899,"_772":177,"_196":773,"_181":370,"_183":371,"_194":362,"_774":900,"_779":780},{"_165":177,"_167":177},[893],{"_54":762,"_190":763,"_192":764,"_765":766},"The Inner Game 2009","The Inner Game","/marketing/the-inner-game-2009",{},"Jan 1, 2009","If you promise yourself that you will make a powerful commitment to clients, rainmaking and self-discipline, you will come out ahead in 2009 in spite of the economic crisis.",{"_776":32,"_777":901},[],{"_184":185,"_163":903,"_186":904,"_169":906,"_171":906,"_174":907,"_768":908,"_176":177,"_178":898,"_180":177,"_172":909,"_772":177,"_196":773,"_181":370,"_183":371,"_194":362,"_774":910,"_779":780},{"_165":177,"_167":177},[905],{"_54":824,"_190":825,"_192":826,"_765":827},"Going Independent Without The Headaches","/marketing/going-independent-without-the-headaches",{},"More and more advisors are considering a move to independence. In this environment, there are a few more roadblocks.",{"_776":32,"_777":911},[],{"_184":185,"_163":913,"_186":914,"_169":918,"_171":918,"_174":919,"_768":920,"_176":177,"_178":921,"_180":177,"_172":922,"_772":177,"_196":773,"_181":277,"_183":278,"_194":362,"_774":923,"_779":780},{"_165":177,"_167":177},[915],{"_54":916,"_190":917,"_192":177,"_765":177},"John Churchill","/author/john-churchill","Taming An In-House Rivalry","/estate-planning/taming-an-in-house-rivalry",{},"Dec 1, 2008","As head of Citigroup's Private Bank, John Longley has to pull off one of the more vexingly stubborn organizational challenges of the modern financial era: getting private bankers and financial advisors to cooperate and help one another, to work together. That's no easy task. For more than a year now, the veteran Smith Barney FA and former regional director of the brokerage unit has been bringing together",{"_776":32,"_777":924},[],{"_184":185,"_163":926,"_186":927,"_169":929,"_171":929,"_174":930,"_768":931,"_176":177,"_178":921,"_180":177,"_172":932,"_772":177,"_196":773,"_181":370,"_183":371,"_194":362,"_774":933,"_779":780},{"_165":177,"_167":177},[928],{"_54":824,"_190":825,"_192":826,"_765":827},"Making “Joe The Plumber” Your Best Client","/marketing/making-joe-the-plumber-your-best-client",{},"As we all know, the Holy Grail for most advisors is the high-net-worth client. But Stacy Francis has a different idea. While Francis, who runs Francis Financial, a New York-based firm, serves some affluent families, she also focuses on decidedly less well-to-do households, those with $100,000 and less in assets. About 50 percent of her profits come from such accounts, whom she charges $275 an hour.",{"_776":32,"_777":934},[],{"_184":185,"_163":936,"_186":937,"_169":939,"_171":939,"_174":940,"_768":941,"_176":177,"_178":942,"_180":177,"_172":943,"_772":177,"_196":773,"_181":370,"_183":371,"_194":362,"_774":944,"_779":780},{"_165":177,"_167":177},[938],{"_54":762,"_190":763,"_192":764,"_765":766},"Just Do It","/marketing/just-do-it",{},"Nov 1, 2008","The events on Wall Street over the past six months, coupled with the toll they have taken on many advisors, have caused me to revisit the work of William Glasser, M.D. and his thoughts on human behavior. In his book Control Theory (1984, Harper Row) a therapist's oldie but goodie Dr. Glasser describes four separate behaviors that interact and overlap to form the mosaic of human conduct. Dr. Glasser",{"_776":32,"_777":945},[],{"_184":185,"_163":947,"_186":948,"_169":952,"_171":952,"_174":953,"_768":954,"_176":177,"_178":942,"_180":177,"_172":955,"_772":177,"_196":773,"_181":317,"_183":318,"_194":362,"_774":956,"_779":780},{"_165":177,"_167":177},[949],{"_54":950,"_190":951,"_192":177,"_765":177},"Fran Hawthorne","/author/fran-hawthorne","What To Tell Panicked Clients","/client-relations/what-to-tell-panicked-clients",{},"In September and October, Houston-based financial advisor Mike Robertson was getting 60 calls a day from panicked clients. On Long Island, New York, about 5 percent of Mark Snyder's clients hit the phones. They're saying, What's happening? says Snyder, president of Mark J. Snyder Financial Services, a financial advisory firm that manages about $140 million. It's scary out there. As the federal government",{"_776":32,"_777":957},[],{"_184":185,"_163":959,"_186":960,"_169":961,"_171":961,"_174":962,"_768":963,"_176":177,"_178":942,"_180":177,"_172":964,"_772":177,"_196":773,"_181":313,"_183":314,"_194":362,"_774":965,"_779":780},{"_165":177,"_167":177},[],"Top 20 Independent Broker/Dealers","/business-planning/top-20-independent-broker-dealers",{},"Firm: Producing Reps Average Payout Recruiting Executive Clearing Firm Parent Co LPL FinancialSan Diego, Calif., (888) 250-2420www.joinlpl.com 11,089 $195,000 Bill Morrissey LPL Financial LPL Holdings Inc. H.D. Vest Financial ServicesIrving, Texas, 800-742-7950www.hdvest.com 5,368 32,000 Sean Kelleher WFI Wells Fargo & Company Raymond James Financial ServicesSt. Petersburg, Fla., 800-998-7537http://raymondjames.com/",{"_776":32,"_777":966},[],{"_184":185,"_163":968,"_186":969,"_169":970,"_171":970,"_174":971,"_768":972,"_176":177,"_178":942,"_180":177,"_172":973,"_772":177,"_196":773,"_181":313,"_183":314,"_194":362,"_774":974,"_779":780},{"_165":177,"_167":177},[],"The State Of Independence","/business-planning/the-state-of-independence",{},"Independent broker/dealers and their reps have come a long way over the last few years. Track their progress.",{"_776":32,"_777":975},[],{"_184":185,"_163":977,"_186":978,"_169":982,"_171":982,"_174":983,"_768":984,"_176":177,"_178":942,"_180":177,"_172":985,"_772":177,"_196":773,"_181":313,"_183":314,"_194":362,"_774":986,"_779":780},{"_165":177,"_167":177},[979],{"_54":980,"_190":981,"_192":177,"_765":177},"Halah Touryalai","/author/halah-touryalai","The Hybrid Approach","/business-planning/the-hybrid-approach",{},"The hybrid channel—made up of advisors who have their Series 7 and are registered as investment advisors—is growing, and b/ds and clearing and custody firms are here to help.",{"_776":32,"_777":987},[],{"_184":185,"_163":989,"_186":990,"_169":991,"_171":992,"_174":993,"_768":994,"_176":177,"_178":942,"_180":177,"_172":995,"_772":177,"_196":773,"_181":375,"_183":376,"_194":362,"_774":996,"_779":780},{"_165":177,"_167":177},[],"America’s Top 100 Independent Advisors 11-01-2008","America’s Top 100 Independent Advisors","/ria-edge/america-s-top-100-independent-advisors-11-01-2008",{},"Name Firm (b/d) City Est. AUM in $MM Yrs. In Biz Business Description/Specialty 1 Kevin Myeroff NCA Financial Planners (Royal Alliance) Cleveland $2.650 30 Investment management, retirement planning, estate and tax planning services. 2 Ron Carson Carson Wealth Management Group (LPL Financial) Omaha 2.050 25 Financial planning, wealth planning, tax planning and risk management. 3 Matt Delaney Wharton",{"_776":32,"_777":997},[],{"_184":185,"_163":999,"_186":1000,"_169":1004,"_171":1004,"_174":1005,"_768":1006,"_176":177,"_178":1007,"_180":177,"_172":1008,"_772":177,"_196":773,"_181":182,"_183":133,"_194":362,"_774":1009,"_779":780},{"_165":177,"_167":177},[1001],{"_54":1002,"_190":1003,"_192":177,"_765":177},"Mollie Neal","/author/mollie-neal","Small Business Advisor: Taming Health Insurance Premiums","/wealth-management-industry-trends/small-business-advisor-taming-health-insurance-premiums",{},"Oct 1, 2008","Now that open enrollment season for health insurance policy elections is almost here, it's an opportune time to help small-business clients loosen the chokehold of exorbitant premiums.",{"_776":32,"_777":1010},[],{"_184":185,"_163":1012,"_186":1013,"_169":1015,"_171":1015,"_174":1016,"_768":1017,"_176":177,"_178":1007,"_180":177,"_172":1018,"_772":177,"_196":773,"_181":242,"_183":243,"_194":362,"_774":1019,"_779":780},{"_165":177,"_167":177},[1014],{"_54":916,"_190":917,"_192":177,"_765":177},"Morphing SMAs","/smas/morphing-smas",{},"SMA growth has slowed, a natural consequence of maturity.",{"_776":32,"_777":1020},[],{"_184":185,"_163":1022,"_186":1023,"_169":1027,"_171":1027,"_174":1028,"_768":1029,"_176":177,"_178":1030,"_180":177,"_172":1031,"_772":177,"_196":773,"_181":146,"_183":147,"_194":362,"_774":1032,"_779":780},{"_165":177,"_167":177},[1024],{"_54":1025,"_190":1026,"_192":177,"_765":177},"Cheryl Munk","/author/cheryl-munk","Tiptoeing Into Retail Brokerage","/wirehouse-news/tiptoeing-into-retail-brokerage",{},"Sep 1, 2008","You might think that Bank of America, the nation's largest consumer bank, could pose a formidable threat to Wall Street's retail brokerage powerhouses. After all, it has a veritable army of affluent clients to whom it could offer financial advice. But the consumer banking giant is building out its tiny retail brokerage operation at a snail's pace. Management emphasizes that it's more interested in",{"_776":32,"_777":1033},[],{"_184":185,"_163":1035,"_186":1036,"_169":1038,"_171":1038,"_174":1039,"_768":1040,"_176":177,"_178":1041,"_180":177,"_172":1042,"_772":177,"_196":773,"_181":370,"_183":371,"_194":362,"_774":1043,"_779":780},{"_165":177,"_167":177},[1037],{"_54":762,"_190":763,"_192":764,"_765":766},"Re-Branding In Tough Times","/marketing/re-branding-in-tough-times",{},"Jul 17, 2008","Chicago: \"My clients are scared. How do I change their perceptions of me? I know they still regard me as a stockbroker. I have been doing business with many of them for years, and get nervous just thinking about comprehensive wealth management\", remarked Chuck at a recent conference.",{"_776":32,"_777":1044},[],{"_184":185,"_163":1046,"_186":1047,"_169":1049,"_171":1050,"_174":1051,"_768":1052,"_176":177,"_178":1053,"_180":177,"_172":1054,"_772":177,"_196":773,"_181":370,"_183":371,"_194":362,"_774":1055,"_779":780},{"_165":177,"_167":177},[1048],{"_54":824,"_190":825,"_192":826,"_765":827},"All in the Family 2008","All in the Family","/marketing/all-in-the-family-2008",{},"Jul 1, 2008","Having friends, family and acquaintances as clients can be a great gig—if you do it right.",{"_776":32,"_777":1056},[],{"_184":185,"_163":1058,"_186":1059,"_169":1061,"_171":1061,"_174":1062,"_768":1063,"_176":177,"_178":1064,"_180":177,"_172":1065,"_772":177,"_196":773,"_181":182,"_183":133,"_194":362,"_774":1066,"_779":780},{"_165":177,"_167":177},[1060],{"_54":762,"_190":763,"_192":764,"_765":766},"A Back Door To Success","/wealth-management-industry-trends/a-back-door-to-success",{},"May 1, 2008","Let's take a contrarian viewpoint regarding success. Much has been written about the typical qualities required for success. (In fact, I covered those in this column last month.) But consider a favorite phrase of the great algebraist, Karl Jacobi: Invert, always invert. It was in the spirit of Jacobi that Charles Munger, vice chairman of Berkshire Hathaway, delivered a Harvard School commencement",{"_776":32,"_777":1067},[],{"_184":185,"_163":1069,"_186":1070,"_169":1072,"_171":1072,"_174":1073,"_768":1074,"_176":177,"_178":1075,"_180":177,"_172":1076,"_772":177,"_196":773,"_181":182,"_183":133,"_194":362,"_774":1077,"_779":780},{"_165":177,"_167":177},[1071],{"_54":762,"_190":763,"_192":764,"_765":766},"Ph.D. In Sales Required","/wealth-management-industry-trends/ph-d-in-sales-required",{},"Mar 1, 2008","Something is wrong with this picture. Consider the following: When talking about the state of the financial advisory industry with many veteran advisors today, you often hear one of following three things: I don't want my kids getting into the business; I'm glad I don't have to build a business today; and Everything has gotten so much tougher: Competition has increased, fees and commissions are getting",{"_776":32,"_777":1078},[],{"_184":185,"_163":1080,"_186":1081,"_169":1083,"_171":1084,"_174":1085,"_768":1086,"_176":177,"_178":1075,"_180":177,"_172":1087,"_772":177,"_196":773,"_181":182,"_183":133,"_194":362,"_774":1088,"_779":780},{"_165":177,"_167":177},[1082],{"_54":980,"_190":981,"_192":177,"_765":177},"Across the Pond 2008","Across the Pond","/wealth-management-industry-trends/across-the-pond-2008",{},"Deal making in the wealth-management space has been rampant lately, and some holding companies and individual RIAs are beginning to see opportunities in Europe. Focus Financial Partners, a two-year-old holding company with 15 RIA partners and over $26 billion in assets under management, recently acquired U.K.-based Greystone Financial Services for an undisclosed amount. Greystone serves over 5,000",{"_776":32,"_777":1089},[],{"_184":185,"_163":1091,"_186":1092,"_169":1094,"_171":1094,"_174":1095,"_768":1096,"_176":177,"_178":1075,"_180":177,"_172":1097,"_772":177,"_196":773,"_181":182,"_183":133,"_194":362,"_774":1098,"_779":780},{"_165":177,"_167":177},[1093],{"_54":980,"_190":981,"_192":177,"_765":177},"RBC's Buying Spree","/wealth-management-industry-trends/rbc-s-buying-spree",{},"RBC Dain Rauscher continued its recent streak of acquisitions in February, announcing plans to acquire Ferris, Baker, Watts (FWB), a full-service broker/dealer in Washington D.C. The acquisition strategy is part of an effort by Canadian parent Royal Bank of Canada to build a bigger presence in the lucrative U.S. wealth-management market. The acquisition, to be completed mid-year, adds an additional",{"_776":32,"_777":1099},[],{"_184":185,"_163":1101,"_186":1102,"_169":1104,"_171":1104,"_174":1105,"_768":1106,"_176":177,"_178":1107,"_180":177,"_172":1108,"_772":177,"_196":773,"_181":370,"_183":371,"_194":362,"_774":1109,"_779":780},{"_165":177,"_167":177},[1103],{"_54":762,"_190":763,"_192":764,"_765":766},"A Goal Pit-Stop","/marketing/a-goal-pit-stop",{},"Feb 1, 2008","Business - purposeful activity. Plan - a method for achieving an end. Webster's New Collegiate Dictionary In the early months of a new year, I have always found it helpful to take a quick reassessment of one's current business plan to use NASCAR vernacular: Make a goal If we agree with the Webster definitions to the left, creating a business plan, in the simplest terms, should be understood as engaging",{"_776":32,"_777":1110},[],{"_184":185,"_163":1112,"_186":1113,"_169":1115,"_171":1115,"_174":1116,"_768":1117,"_176":177,"_178":1107,"_180":177,"_172":1118,"_772":177,"_196":773,"_181":227,"_183":228,"_194":362,"_774":1119,"_779":780},{"_165":177,"_167":177},[1114],{"_54":980,"_190":981,"_192":177,"_765":177},"No Gerontology for Us, But We'll Take Some More ETFs Please","/etfs/no-gerontology-for-us-but-we-ll-take-some-more-etfs-please",{},"With 77 million baby boomers approaching retirement, advisors are surely looking for ways to win their business. One way? Financial gerontology. That's according to a recent survey by Rydex AdvisorBenchmarking, whose study specifically addresses Registered Investment Advisors. According to the results, 63 percent of surveyed investment advisors are not receiving specialized training in the physical,",{"_776":32,"_777":1120},[],{"_184":185,"_163":1122,"_186":1123,"_169":1125,"_171":1125,"_174":1126,"_768":1127,"_176":177,"_178":1128,"_180":177,"_172":1129,"_772":177,"_196":773,"_181":370,"_183":371,"_194":362,"_774":1130,"_779":780},{"_165":177,"_167":177},[1124],{"_54":762,"_190":763,"_192":764,"_765":766},"The Magnetic Salesman","/marketing/the-magnetic-salesman",{},"Jan 1, 2008","Let's review three irrefutable truths: The affluent do not like sales people. Too many veteran advisors have neglected their sales skills. Advisors possessing high-level sales skills can take affluent clients from anybody. Although few would dispute the above truths, it's almost as though the financial-services industry is in denial. When talking about and planning for growth, most advisors seem to",{"_776":32,"_777":1131},[],{"_184":185,"_163":1133,"_186":1134,"_169":1136,"_171":1137,"_174":1138,"_768":1139,"_176":177,"_178":1140,"_180":177,"_172":1141,"_772":177,"_196":773,"_181":370,"_183":371,"_194":362,"_774":1142,"_779":780},{"_165":177,"_167":177},[1135],{"_54":762,"_190":763,"_192":764,"_765":766},"Understanding The Affluent 2007","Understanding The Affluent","/marketing/understanding-the-affluent-2007",{},"Dec 1, 2007","Are you targeting the affluent? Are you interested in acquiring clients with larger pools of assets? Of course you are. Every financial advisor is aiming for larger client accounts these days, and in particular, they are trying to capture a piece of what has become known as boomer affluence. (By now, unless you have been living in a closet, you've heard more than you probably want to about this boomer",{"_776":32,"_777":1143},[],{"_184":185,"_163":1145,"_186":1146,"_169":1148,"_171":1148,"_174":1149,"_768":1150,"_176":177,"_178":1151,"_180":177,"_172":1152,"_772":177,"_196":773,"_181":370,"_183":371,"_194":362,"_774":1153,"_779":780},{"_165":177,"_167":177},[1147],{"_54":762,"_190":763,"_192":764,"_765":766},"Thinking Like The Affluent","/marketing/thinking-like-the-affluent",{},"Nov 1, 2007","There is such a thing as the affluent touch: It's a matter of attitude and approach. In fact, this quality is often the very thing that makes one financial advisor more successful at courting the affluent than another. But it's not terribly difficult to develop. Here are some of the essential elements: Know thyself: You must be comfortable in your own skin if you expect to master the world of the",{"_776":32,"_777":1154},[],{"_184":185,"_163":1156,"_186":1157,"_169":1159,"_171":1159,"_174":1160,"_768":1161,"_176":177,"_178":1162,"_180":177,"_172":1163,"_772":177,"_196":773,"_181":313,"_183":314,"_194":362,"_774":1164,"_779":780},{"_165":177,"_167":177},[1158],{"_54":980,"_190":981,"_192":177,"_765":177},"Impact This! Schwabbies Descend Upon Vegas","/business-planning/impact-this-schwabbies-descend-upon-vegas",{},"Oct 30, 2007","They didn't get to \"Talk to Chuck,\" but attendees of the 2007 Schwab IMPACT conference did get a chance to talk to Walt Bettinger, president and chief operating officer, as well as Charles Goldman, executive vice president of Schwab Institutional in an afternoon Q&A session at the Mandalay Bay Convention Center in Las Vegas.",{"_776":32,"_777":1165},[],"sidebarModules",[1168,1216,1231,1343,1378,1397],{"_88":1169,"_1170":1171,"_1213":1214},"module_content_cards","data",{"_112":1172,"_1173":1174,"_196":1175,"_754":1176,"_1209":1210,"_1211":1210,"_1212":-7},"RSB - Content cards","moduleLabel","Latest news","default",[1177,1192,1200],{"_88":1178,"_1170":1179},"contentPreview",{"_184":185,"_196":1180,"_163":1181,"_169":1184,"_171":1185,"_174":1186,"_176":1186,"_768":1187,"_178":179,"_180":177,"_181":158,"_183":159,"_186":1188,"_194":271,"_774":1190},"card-horizontal",{"_165":1182,"_167":1183},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt67004ea2ccff0fbb/67abcc8f39b12b008b1cb140/restieiri-oros-hightower.jpg","Larry Restieri and Bob Oros Hightower","Hightower CEO Bob Oros To Step Down","Hightower CEO Bob Oros To Step Down ","/career-moves/hightower-ceo-bob-oros-to-step-down",{},[1189],{"_54":359,"_190":360,"_192":361},{"_776":32,"_777":1191},[],{"_88":1178,"_1170":1193},{"_184":185,"_196":1180,"_163":1194,"_169":170,"_171":170,"_174":175,"_176":175,"_768":1195,"_178":179,"_180":177,"_181":182,"_183":133,"_186":1196,"_194":195,"_774":1198},{"_165":166,"_167":168},{},[1197],{"_54":189,"_190":191,"_192":193},{"_776":32,"_777":1199},[],{"_88":1178,"_1170":1201},{"_184":185,"_196":1180,"_163":1202,"_169":263,"_171":1203,"_174":265,"_176":265,"_768":1204,"_178":179,"_180":177,"_181":233,"_183":234,"_186":1205,"_194":271,"_774":1207},{"_165":261,"_167":262},"Advisor Use of Custom Model Portfolios Rises",{},[1206],{"_54":268,"_190":269,"_192":270},{"_776":32,"_777":1208},[],"dateDisplay","show","contributorDisplay","displayAd","adConfig",{"_1215":32},"nativeAdOption",{"_88":1217,"_1218":1219,"_1170":1220},"module_newsletter_promo","uid","blta6c28a4504323eb8",{"_112":1221,"_670":1222,"_1223":1219,"_671":1224,"_196":1225,"_1226":1227,"_1228":32,"_1229":1230},"Sign Up for Newsletters","Sign up to receive the latest insights, trends, and analysis.","newsletterId","Subscribe now","horizontal","mode","dark","isOnHomepage","moduleLocation","sidebar",{"_88":1232,"_1170":1233},"module_content_spotlight",{"_196":773,"_1226":1234,"_1235":1236,"_1237":1238,"_184":1239,"_176":471,"_1240":1241},"light","textAlignment","center","moduleDesign","standard","Document","content",{"_1242":1243,"_522":1244,"_1247":1248,"_1249":503,"_1250":503,"_1251":1252,"_172":1332,"_1333":1332,"_1334":1335,"_768":1338,"_174":1337,"_181":255,"_183":1339,"_178":1340,"_774":1341},"keywords",[],{"_56":1245,"_512":1246},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt22b65b64421af461/6737484822c13397ad2f1459/iStock-1187113662.jpg","iStock-1187113662.jpg","summary","Featured WMIQ Research","heading","mobileHeading","articleBody",[1253,1269,1275,1280,1285,1290,1322,1327],{"_88":1254,"_1255":1256,"_1240":1259},"paragraph","attrs",{"_1257":1258},"textAlign","left",[1260,1262],{"_88":1261},"hardBreak",{"_88":522,"_1255":1263},{"_1257":1258,"_165":1264,"_167":1265,"_112":-5,"_1266":1267},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt21897644bb1e60b4/67374845c2f89b587e22ae12/57ce9757-7cad-46ce-ba00-6f4311af5027.mma_primary_logo_h_blue-250_1.png","57ce9757-7cad-46ce-ba00-6f4311af5027.mma_primary_logo_h_blue-250_1.png","style",{"_1268":1236},"float",{"_88":1254,"_1255":1270,"_1240":1271},{"_1257":1258},[1272],{"_88":1273,"_1273":1274},"text","Advisors and principals at wealth management firms, as well as their counterparts at retirement plan advisory firms, agree on one thing: The convergence of their business models is coming.",{"_88":1254,"_1255":1276,"_1240":1277},{"_1257":1258},[1278],{"_88":1273,"_1273":1279},"A new study of wealth managers and retirement plan advisors conducted by Wealth Management IQ, Informa and Marsh McLennan Agency, explored the reasons for the convergence and how each business model views the challenges and opportunities that lie ahead.",{"_88":1254,"_1255":1281,"_1240":1282},{"_1257":1258},[1283],{"_88":1273,"_1273":1284},"This report explores the findings of the research and provides insights that can give advisors in either camp a competitive edge as the market evolves.",{"_88":1254,"_1255":1286,"_1240":1287},{"_1257":1258},[1288],{"_88":1273,"_1273":1289},"The report will touch on:",{"_88":1291,"_1240":1292},"bulletList",[1293,1301,1308,1315],{"_88":1294,"_1240":1295},"listItem",[1296],{"_88":1254,"_1255":1297,"_1240":1298},{"_1257":1258},[1299],{"_88":1273,"_1273":1300},"How volatility, technology, demographics and retirement income are creating new opportunities in wealth and retirement.",{"_88":1294,"_1240":1302},[1303],{"_88":1254,"_1255":1304,"_1240":1305},{"_1257":1258},[1306],{"_88":1273,"_1273":1307},"How defined contribution plans are presenting advisors with access to thousands of qualified prospects.",{"_88":1294,"_1240":1309},[1310],{"_88":1254,"_1255":1311,"_1240":1312},{"_1257":1258},[1313],{"_88":1273,"_1273":1314},"How M&A is quickly aligning retirement plan and wealth management capabilities to accelerate convergence.",{"_88":1294,"_1240":1316},[1317],{"_88":1254,"_1255":1318,"_1240":1319},{"_1257":1258},[1320],{"_88":1273,"_1273":1321},"How private equity is fueling convergence — and what could be coming next.",{"_88":1254,"_1255":1323,"_1240":1324},{"_1257":1258},[1325],{"_88":1273,"_1273":1326},"Download the report. ",{"_88":1254,"_1255":1328,"_1240":1329},{"_1257":1258},[1330],{"_88":1273,"_1273":1331}," ","Why convergence is coming and what it means.","body","callToAction",{"_1273":1336,"_56":1337},"Read more","/financial-planning/wealth-managers-and-rpa-advisors",{},"#","2023-02-02T23:36:00.000Z",{"_776":32,"_777":1342},[],{"_88":1344,"_1170":1345},"module_link_list",{"_1346":1347,"_1348":400,"_1349":1350,"_1351":177,"_1352":1353,"_525":32,"_1358":1359},"listOption","Dynamic","listTitle","icon","ChalkBoard","externalFeed","ctaButton",{"_1354":1355,"_1356":1357},"ctaButtonLink","/wealth-management-webinars ","ctaButtonText","View more","articles",[1360,1366,1368,1375],{"_184":256,"_112":307,"_56":308,"_1361":32,"_1362":311,"_1363":1364,"_1365":309,"_180":254},"isExternalLink","readTime","publishedDate","2025-02-26T22:06:21.000Z","eventDate",{"_184":256,"_112":249,"_56":251,"_1361":32,"_1362":258,"_1363":1367,"_1365":253,"_180":254},"2025-02-25T18:04:00.000Z",{"_184":256,"_112":1369,"_56":1370,"_1361":32,"_1362":1371,"_1363":1372,"_1365":1373,"_180":1374},"WealthManagement.com Industry Awards 2025: Top Tips for Submitting a Winning Nomination","/wealth-management-industry-awards/wealthmanagement-com-industry-awards-2025-top-tips-for-submitting-a-winning-nomination",45,"2025-02-20T18:14:00.000Z","Feb 20, 2025","1:00 pm EST",{"_184":256,"_112":299,"_56":301,"_1361":32,"_1362":258,"_1363":1376,"_1365":1377,"_180":302},"2025-02-11T21:04:00.000Z","Mar 4, 2025",{"_88":1379,"_1170":1380},"module_event_promo",{"_112":1381,"_1382":1383,"_1384":177,"_1385":177,"_1386":24,"_1387":1388,"_1389":1390,"_178":1391,"_107":1392,"_1393":1394,"_1395":1396},"RSB - Event promo","logoPosition","Left","backgroundImage","backgroundColor","isConstrained","logoSrc","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/bltc8c483ee7577fd5f/679402f9101c3644d1914ad5/RIA-Nashville-Black.png","logoAlt","RIA Edge Nashville","Apr 1 - Apr 2, 2025","Learn from top leaders tackling growth, pay, and personnel challenges daily.","btnCTAText","Learn More","btnCTALink","https://informaconnect.com/ria-edge-nashville/",{"_88":1398,"_1170":1399},"module_publication_promo",{"_112":1400,"_1218":1401,"_1402":1403,"_1404":1383,"_1356":1405,"_1406":1407,"_1413":1414},"Trusts & Estates Magazine","blt529eec50cacc25f9","promoLabel","Latest Digital Edition","textPosition","Read More","promoPublication",{"_112":1408,"_1247":1409,"_522":1410,"_512":1411,"_56":1412},"Trusts & Estates: February 2025 Digital Edition","Feature on Ultra-High-Net-Worth Families & Family Offices","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt72b1d763b36e1e90/6797d47edd317102c0dec516/TECoverFeb2025.png","Trusts Estates February 2025","/publications/trusts---estates/trusts-estates-february-2025-digital-edition","relatedContent",[],"metadata",{"_88":1417,"_1218":1418,"_1419":1420,"_1421":12},"topic","blt80e20eb00385c768","aid","489867","reg","schema",[1424],{"_1425":1426,"_1427":1428,"_1429":1430},"@context","https://schema.org","@type","BreadcrumbList","itemListElement",[1431,1435,1437,1439],{"_1427":1432,"_1433":362,"_54":743,"_1434":10},"ListItem","position","item",{"_1427":1432,"_1433":271,"_54":313,"_1434":1436},"https://www.wealthmanagement.com/business-planning",{"_1427":1432,"_1433":195,"_54":320,"_1434":1438},"https://www.wealthmanagement.com/business-planning/growth-strategies",{"_1427":1432,"_1433":1440,"_54":370,"_1434":1441},4,"https://www.wealthmanagement.com/business-planning/growth-strategies/marketing","seo",{"_1444":6,"_1445":1446,"_1447":1448,"_1449":32,"_1450":1451,"_13":14},"canonicalUrl","metaDescription","Explore the latest news and expert commentary on Marketing, brought to you by the editors of WealthManagement.com","metaTitle","Marketing recent news | WealthManagement.com","noIndex","imageUrl","https://www.wealthmanagement.com/assets/wealthmanagement-DDNDrftq.ico","weatherWidgetConfig","iirisRecommendationConfig","gtm",{"_1456":1457},"loadEvent",{"_1458":1459,"_1463":1464,"_1466":1467},"attributes",{"_1442":1460},{"_1461":6,"_1462":32},"canonicalURL","hideFromSearchEngines","category",{"_1465":1417},"pageType","pageInfo",{"_1468":1418,"_1469":370,"_1470":1441},"pageID","pageName","destinationURL","actionData","errors"]

Related Topics

Recent in News

Related Topics

Recent in Investment

Related Topics

Recent in Wealth Planning

Related Topics

Recent in Business Planning

Related Topics

Recent in WealthTech

Related Topics

Marketing

Latest news

Wealth Managers and RPA Advisors

Trusts & Estates Magazine

Trusts & Estates: February 2025 Digital Edition