[{"_1":2,"_1461":-5,"_1462":-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/investment-news/mutual-funds?page=30","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\":7.002223,\"transactionName\":\"MhBSZQoZWEEDU0ZaXgtac0QLDFlfTR9bXUcABkRcHRZCHwxVRUAeCABERBkUG1QXXlZA\",\"queueTime\":0,\"ttGuid\":\"6eb2433ff0bf1bb3\"}; (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._index",{"_733":32,"_734":-7,"_735":675,"_736":737,"_1409":1410,"_1416":1417,"_1433":1434,"_1443":1444,"_1460":32},"isRequestedByGoogleBot","weatherWidgetConfig","iirisRecommendationConfig","template",{"_112":236,"_738":739,"_740":177,"_196":44,"_741":742,"_748":-7,"_749":750,"_755":756,"_1159":1160,"_1408":-7},"categories",[],"categoryDesc","breadcrumbs",[743,746,747],{"_56":744,"_112":745},"/","Home",{"_112":213,"_56":214},{"_112":236,"_56":237},"newsletterSignUpPromo","pagination",{"_751":752,"_753":754},"totalCount",32,"currentPage",30,"contents",[757,779,793,809,822,832,843,855,868,879,889,899,910,923,933,944,956,967,977,987,999,1010,1021,1032,1043,1053,1063,1073,1084,1095,1106,1117,1127,1137,1149],{"_184":185,"_163":758,"_186":759,"_169":764,"_171":764,"_174":765,"_766":767,"_176":177,"_178":768,"_180":177,"_172":769,"_770":177,"_196":771,"_181":213,"_183":214,"_194":362,"_772":773,"_777":778},{"_165":177,"_167":177},[760],{"_54":761,"_190":762,"_192":177,"_763":177},"James Jessee","/author/james-jessee","role","The Asset Management Game","/investment-news/the-asset-management-game","linkAttrs",{},"May 1, 2007","when an advisor decides to do business with a particular money manager. In other words, when performance is equal, an effective wholesaler can often break the tie.","articleBodyJsonSummary","normal","paidGating",{"_774":32,"_775":776},"paidContent","paidProductTaxonomy",[],"articleSize","big",{"_184":185,"_163":780,"_186":781,"_169":787,"_171":787,"_174":788,"_766":789,"_176":177,"_178":768,"_180":177,"_172":790,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":791,"_777":778},{"_165":177,"_167":177},[782],{"_54":783,"_190":784,"_192":785,"_763":786},"Stan Luxenberg","/author/stan-luxenberg","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt8395e4193df54a18/6724b96fdb7f32fd699256e6/stan-luxenberg-web.jpg","Special Contributor","High-Turnover Funds to Love","/wealth-management-industry-trends/high-turnover-funds-to-love",{},"For some academics, American Century Heritage Fund might seem like a fluke. The mid-cap growth fund has an annual portfolio turnover of 230 percent, about double the rate of its peers.",{"_774":32,"_775":792},[],{"_184":185,"_163":794,"_186":795,"_169":801,"_171":802,"_174":803,"_766":804,"_176":177,"_178":805,"_180":177,"_172":806,"_770":177,"_196":771,"_181":218,"_183":219,"_194":362,"_772":807,"_777":778},{"_165":177,"_167":177},[796],{"_54":797,"_190":798,"_192":799,"_763":800},"David Geracioti","/author/david-geracioti","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/bltd04eee80f4ce39c6/6724b9993cfc7c4cecb5574c/david-geraciote.jpg","Editor in Chief","The DIY Hedge Fund 2007-02-08","The DIY Hedge Fund","/alternative-investments/the-diy-hedge-fund-2007-02-08",{},"Feb 8, 2007","The hedge fund backlash has begun. Tired of the hassles of investing in hedge fund limited partnerships, more advisors are creating their own “hedge fund”-like strategies with new hybrid mutual funds. You can do it, too.",{"_774":32,"_775":808},[],{"_184":185,"_163":810,"_186":811,"_169":815,"_171":815,"_174":816,"_766":817,"_176":177,"_178":818,"_180":177,"_172":819,"_770":177,"_196":771,"_181":236,"_183":237,"_194":362,"_772":820,"_777":778},{"_165":177,"_167":177},[812],{"_54":813,"_190":814,"_192":177,"_763":177},"Lisa A. Cohen","/author/lisa-a-cohen","Defeat—at Your Own Hands","/mutual-funds/defeat-at-your-own-hands",{},"Feb 1, 2007","If you come to a fork in the road, take it. Laugh at Yogi Berra's (intentional) malapropism. But the intended observation if a new path opens up to you, follow it is true enough.",{"_774":32,"_775":821},[],{"_184":185,"_163":823,"_186":824,"_169":826,"_171":802,"_174":827,"_766":828,"_176":177,"_178":818,"_180":177,"_172":829,"_770":177,"_196":771,"_181":218,"_183":219,"_194":362,"_772":830,"_777":778},{"_165":177,"_167":177},[825],{"_54":797,"_190":798,"_192":799,"_763":800},"The DIY Hedge Fund 2007-02-01","/alternative-investments/the-diy-hedge-fund-2007-02-01",{},"Some years ago, during the Great Buying Panic of the 1990s, it occurred to Rob Isbitts that the traditional idea of diversification might not provide the downside protection it was advertised to deliver.",{"_774":32,"_775":831},[],{"_184":185,"_163":833,"_186":834,"_169":836,"_171":836,"_174":837,"_766":838,"_176":177,"_178":839,"_180":177,"_172":840,"_770":177,"_196":771,"_181":236,"_183":237,"_194":362,"_772":841,"_777":778},{"_165":177,"_167":177},[835],{"_54":783,"_190":784,"_192":785,"_763":786},"Off-the-Rack Risk Control?","/mutual-funds/off-the-rack-risk-control-",{},"Nov 1, 2006","Sure, automatic asset-allocation 529 plans are convenient. But you'd better be careful: One state's \"conservative\" allocation is another state's \"aggressive\" allocation",{"_774":32,"_775":842},[],{"_184":185,"_163":844,"_186":845,"_169":847,"_171":848,"_174":849,"_766":850,"_176":177,"_178":851,"_180":177,"_172":852,"_770":177,"_196":771,"_181":236,"_183":237,"_194":362,"_772":853,"_777":778},{"_165":177,"_167":177},[846],{"_54":783,"_190":784,"_192":785,"_763":786},"The Best of Both Worlds 2006-10-01","The Best of Both Worlds","/mutual-funds/the-best-of-both-worlds-2006-10-01",{},"Oct 1, 2006","These days, baby boomer investors want both security and low fees. To get both, product makers are blurring the distinctions between mutual funds and annuities",{"_774":32,"_775":854},[],{"_184":185,"_163":856,"_186":857,"_169":861,"_171":861,"_174":862,"_766":863,"_176":177,"_178":864,"_180":177,"_172":865,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":866,"_777":778},{"_165":177,"_167":177},[858],{"_54":859,"_190":860,"_192":177,"_763":177},"Kristen French","/author/kristen-french","Pru Agrees to $600 Million Market-Timing Settlement","/wealth-management-industry-trends/pru-agrees-to-600-million-market-timing-settlement",{},"Aug 29, 2006","Prudential Equity Group, a broker/dealer subsidiary of Prudential Financial, got slammed Monday with one of the biggest settlements seen in a market timing case: $600 million in fines, restitution and penalties.",{"_774":32,"_775":867},[],{"_184":185,"_163":869,"_186":870,"_169":872,"_171":872,"_174":873,"_766":874,"_176":177,"_178":875,"_180":177,"_172":876,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":877,"_777":778},{"_165":177,"_167":177},[871],{"_54":859,"_190":860,"_192":177,"_763":177},"Loading up on No Loads","/wealth-management-industry-trends/loading-up-on-no-loads",{},"Jul 1, 2006","No-load funds continued to attract the bulk of new cash in 2005, according to data recently released by the Investment Company Institute",{"_774":32,"_775":878},[],{"_184":185,"_163":880,"_186":881,"_169":883,"_171":883,"_174":884,"_766":885,"_176":177,"_178":875,"_180":177,"_172":886,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":887,"_777":778},{"_165":177,"_167":177},[882],{"_54":783,"_190":784,"_192":785,"_763":786},"Fundamental 'Indexing'","/wealth-management-industry-trends/fundamental-indexing-",{},"During the 1990s, S&P 500 index funds were all the rage and, for most core investments, the bogey to beat. But lately the index has been offering stingy returns: During the five years ending in April, the S&P 500 averaged just 2.7 percent annually, well below the double-digit results that many retail clients were seduced into thinking were normal. Today, there are loads of new funds that claim to",{"_774":32,"_775":888},[],{"_184":185,"_163":890,"_186":891,"_169":893,"_171":893,"_174":894,"_766":895,"_176":177,"_178":875,"_180":177,"_172":896,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":897,"_777":778},{"_165":177,"_167":177},[892],{"_54":783,"_190":784,"_192":785,"_763":786},"B Is Not for Bad","/wealth-management-industry-trends/b-is-not-for-bad",{},"Class B mutual fund shares are under assault. Dreyfus became the second fund company to stop offering B shares in March; Franklin-Templeton was the first in 2005.",{"_774":32,"_775":898},[],{"_184":185,"_163":900,"_186":901,"_169":903,"_171":903,"_174":904,"_766":905,"_176":177,"_178":906,"_180":177,"_172":907,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":908,"_777":778},{"_165":177,"_167":177},[902],{"_54":783,"_190":784,"_192":785,"_763":786},"The Discount Mystery","/wealth-management-industry-trends/the-discount-mystery",{},"Jun 1, 2006","Where - and why - can you buy a buck for 90 cents?",{"_774":32,"_775":909},[],{"_184":185,"_163":911,"_186":912,"_169":916,"_171":916,"_174":917,"_766":918,"_176":177,"_178":919,"_180":177,"_172":920,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":921,"_777":778},{"_165":177,"_167":177},[913],{"_54":914,"_190":915,"_192":177,"_763":177},"John Churchill","/author/john-churchill","Rough Month for Mario Gabelli","/wealth-management-industry-trends/rough-month-for-mario-gabelli",{},"May 1, 2006","Mario Gabelli, one of Wall Street's best-known money managers, has been in the spotlight lately, but not for his investment returns. The Justice Department charged him with civil fraud in auctions for wireless telephone licenses. Meantime, two longtime investors claim Gabelli stole more than $100 million from them. On March 17, the Justice Department took over a five-year-old lawsuit against Gabelli",{"_774":32,"_775":922},[],{"_184":185,"_163":924,"_186":925,"_169":927,"_171":927,"_174":928,"_766":929,"_176":177,"_178":919,"_180":177,"_172":930,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":931,"_777":778},{"_165":177,"_167":177},[926],{"_54":783,"_190":784,"_192":785,"_763":786},"Growth or Value?","/wealth-management-industry-trends/growth-or-value-",{},"Now that growth is showing life, which do you choose? Your clients need both, no matter what the investing climate.",{"_774":32,"_775":932},[],{"_184":185,"_163":934,"_186":935,"_169":937,"_171":938,"_174":939,"_766":940,"_176":177,"_178":919,"_180":177,"_172":941,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":942,"_777":778},{"_165":177,"_167":177},[936],{"_54":914,"_190":915,"_192":177,"_763":177},"Alpha Dogs 2006","Alpha Dogs","/wealth-management-industry-trends/alpha-dogs-2006",{},"Study finds returns on actively managed funds are overstated",{"_774":32,"_775":943},[],{"_184":185,"_163":945,"_186":946,"_169":950,"_171":950,"_174":951,"_766":952,"_176":177,"_178":919,"_180":177,"_172":953,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":954,"_777":778},{"_165":177,"_167":177},[947],{"_54":948,"_190":949,"_192":177,"_763":177},"Kevin Burke","/author/kevin-burke","Fidelity Goes Mass Market on Amazon","/wealth-management-industry-trends/fidelity-goes-mass-market-on-amazon",{},"Retail investors accustomed to buying personal finance books online can now purchase mutual funds from Amazon.com.",{"_774":32,"_775":955},[],{"_184":185,"_163":957,"_186":958,"_169":960,"_171":960,"_174":961,"_766":962,"_176":177,"_178":963,"_180":177,"_172":964,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":965,"_777":778},{"_165":177,"_167":177},[959],{"_54":783,"_190":784,"_192":785,"_763":786},"In Search of Yield","/wealth-management-industry-trends/in-search-of-yield",{},"Apr 1, 2006","Money-market funds may not be sexy but they have been attracting advisors attention lately. But is the retail investor better off in a money market or an insured account?",{"_774":32,"_775":966},[],{"_184":185,"_163":968,"_186":969,"_169":971,"_171":971,"_174":972,"_766":973,"_176":177,"_178":963,"_180":177,"_172":974,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":975,"_777":778},{"_165":177,"_167":177},[970],{"_54":783,"_190":784,"_192":785,"_763":786},"To Define a Theft","/wealth-management-industry-trends/to-define-a-theft",{},"More than two and a half years after the market-timing scandal, investors have yet to recieve a dime in restitution",{"_774":32,"_775":976},[],{"_184":185,"_163":978,"_186":979,"_169":981,"_171":981,"_174":982,"_766":983,"_176":177,"_178":963,"_180":177,"_172":984,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":985,"_777":778},{"_165":177,"_167":177},[980],{"_54":948,"_190":949,"_192":177,"_763":177},"Herd Mentality","/wealth-management-industry-trends/herd-mentality",{},"Brokers are betting heavily on just a few fund families. Remember the Van Wagoner Funds?",{"_774":32,"_775":986},[],{"_184":185,"_163":988,"_186":989,"_169":991,"_171":992,"_174":993,"_766":994,"_176":177,"_178":995,"_180":177,"_172":996,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":997,"_777":778},{"_165":177,"_167":177},[990],{"_54":948,"_190":949,"_192":177,"_763":177},"Got Conflicts? 2006","Got Conflicts?","/wealth-management-industry-trends/got-conflicts-2006",{},"Mar 1, 2006","Merill's $8 billion swap with BlackRock fixes its house funds conflicts. Or does it?",{"_774":32,"_775":998},[],{"_184":185,"_163":1000,"_186":1001,"_169":1003,"_171":1003,"_174":1004,"_766":1005,"_176":177,"_178":1006,"_180":177,"_172":1007,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":1008,"_777":778},{"_165":177,"_167":177},[1002],{"_54":783,"_190":784,"_192":785,"_763":786},"Do-It-Yourself Funds of Funds","/wealth-management-industry-trends/do-it-yourself-funds-of-funds",{},"Feb 1, 2006","The trouble with hedge funds is not necessarily their expense. The real deal breakers for financial advisors with wealthy clients who have sophisticated needs are that hedge funds tend to be illiquid and lack transparency. There are registered hedge funds, but many advisors still find them somewhat opaque. There is a third way, call it the hybrid strategy. That entails using mutual funds that use",{"_774":32,"_775":1009},[],{"_184":185,"_163":1011,"_186":1012,"_169":1014,"_171":1014,"_174":1015,"_766":1016,"_176":177,"_178":1017,"_180":177,"_172":1018,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":1019,"_777":778},{"_165":177,"_167":177},[1013],{"_54":783,"_190":784,"_192":785,"_763":786},"Housewarming","/wealth-management-industry-trends/housewarming",{},"Jan 1, 2006","Many businesses spend small fortunes to establish and promote their brands. Last year, Merrill Lynch, for example, spent about a half-a-billion dollars on marketing and business development. Imagine Merrill's new challenge: Come April, Merrill Lynch will remove its famous name from the brokerage's own funds to relaunch them under a new (as yet to be determined) name. Why? Merrill thinks its products",{"_774":32,"_775":1020},[],{"_184":185,"_163":1022,"_186":1023,"_169":1025,"_171":1025,"_174":1026,"_766":1027,"_176":177,"_178":1028,"_180":177,"_172":1029,"_770":177,"_196":771,"_181":236,"_183":237,"_194":362,"_772":1030,"_777":778},{"_165":177,"_167":177},[1024],{"_54":783,"_190":784,"_192":785,"_763":786},"Some Mutual Funds Win in Tax Game","/mutual-funds/some-mutual-funds-win-in-tax-game",{},"Dec 1, 2005","Critics lambaste mutual funds, calling them old-fashioned contraptions that generate big tax bills. It's true, on average, that exchange-traded funds and separate accounts have tax advantages over mutual funds, data from Morningstar and other sources show. But advisors shouldn't dismiss mutual funds too quickly. To appreciate how close the race is, compare the returns of competing ETFs and open-end",{"_774":32,"_775":1031},[],{"_184":185,"_163":1033,"_186":1034,"_169":1036,"_171":1036,"_174":1037,"_766":1038,"_176":177,"_178":1039,"_180":177,"_172":1040,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":1041,"_777":778},{"_165":177,"_167":177},[1035],{"_54":783,"_190":784,"_192":785,"_763":786},"The Worthy","/wealth-management-industry-trends/the-worthy",{},"Nov 1, 2005","Back during the buying panic of the 1990s, it was fashionable to believe: Sell your losers, and run with your winners. Of course, one of the lessons of the subsequent crack up: Don't let your winners run so much that they dominate your portfolio. Sure, it's good fun while they trot. But if the bottom begins falling out, as it did in March 2000, you're in deep trouble. It seems that lesson has been",{"_774":32,"_775":1042},[],{"_184":185,"_163":1044,"_186":1045,"_169":1047,"_171":938,"_174":1048,"_766":1049,"_176":177,"_178":1039,"_180":177,"_172":1050,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":1051,"_777":778},{"_165":177,"_167":177},[1046],{"_54":783,"_190":784,"_192":785,"_763":786},"Alpha Dogs 2005","/wealth-management-industry-trends/alpha-dogs-2005",{},"Dedicated followers of the Clipper Fund may have been dismayed when longtime managers James Gipson and Michael Sandler left the fund recently. For many investors, the Clipper crew represented the best in value investing. During the past decade, the fund returned 13.9 percent annually, outdoing the S&P 500 stock index by 4 percentage points, and surpassing 98 percent of large value funds. But shareholders",{"_774":32,"_775":1052},[],{"_184":185,"_163":1054,"_186":1055,"_169":1056,"_171":1056,"_174":1057,"_766":1058,"_176":177,"_178":1059,"_180":177,"_172":1060,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":1061,"_777":778},{"_165":177,"_167":177},[],"An Unconventional Approach","/wealth-management-industry-trends/an-unconventional-approach",{},"Oct 1, 2005","David Swensen is one of America's greatest investors. As chief investment officer of Yale University, he has produced what has been described as an unparalleled two-decade investment record, averaging 16.1 percent annual returns for the school. What's most amazing about Swensen, however, is how unconventional he is. That he has been able to operate according to his theories unmolested is a remarkable",{"_774":32,"_775":1062},[],{"_184":185,"_163":1064,"_186":1065,"_169":1067,"_171":1067,"_174":1068,"_766":1069,"_176":177,"_178":1059,"_180":177,"_172":1070,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":1071,"_777":778},{"_165":177,"_167":177},[1066],{"_54":783,"_190":784,"_192":785,"_763":786},"Taking the Sting Out of Taxes","/wealth-management-industry-trends/taking-the-sting-out-of-taxes",{},"When Ross Perot ran for president in 1992, the Texas billionaire revealed his simple investing strategy: He had put nearly everything into municipal bonds. The approach violated textbook advice that urges investors to hold diversified portfolios. But for wealthy investors, the rules may be different. We see high-net-worth investors that have 100 percent of their accounts in equities or 100 percent",{"_774":32,"_775":1072},[],{"_184":185,"_163":1074,"_186":1075,"_169":1077,"_171":1077,"_174":1078,"_766":1079,"_176":177,"_178":1080,"_180":177,"_172":1081,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":1082,"_777":778},{"_165":177,"_167":177},[1076],{"_54":783,"_190":784,"_192":785,"_763":786},"Convertible Opportunities","/wealth-management-industry-trends/convertible-opportunities",{},"Sep 1, 2005","During the first four months of this year, convertible investors witnessed a peculiar event. While the Standard & Poor's 500 dropped 4.0 percent, convertible funds declined 6.6 percent, according to Morningstar. The losses were highly unusual because convertibles almost always outdo the S&P during downturns. For instance, when the S&P lost 9.1 percent in the crash of 2000, convertible funds stayed",{"_774":32,"_775":1083},[],{"_184":185,"_163":1085,"_186":1086,"_169":1088,"_171":1088,"_174":1089,"_766":1090,"_176":177,"_178":1091,"_180":177,"_172":1092,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":1093,"_777":778},{"_165":177,"_167":177},[1087],{"_54":783,"_190":784,"_192":785,"_763":786},"NTFs are No Free Ride","/wealth-management-industry-trends/ntfs-are-no-free-ride",{},"Aug 1, 2005","In the 1980s, Charles Schwab changed the way investors shop for funds, introducing the supermarket. The innovation's main attraction was its ease of use. Investors could scan through dozens of fund choices and select the ones they liked best without having to contact each fund seller separately to open an account. Today supermarkets typically divide their wares into two categories: fee-bearing funds",{"_774":32,"_775":1094},[],{"_184":185,"_163":1096,"_186":1097,"_169":1099,"_171":1099,"_174":1100,"_766":1101,"_176":177,"_178":1102,"_180":177,"_172":1103,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":1104,"_777":778},{"_165":177,"_167":177},[1098],{"_54":783,"_190":784,"_192":785,"_763":786},"A Tough, but Smart Sell","/wealth-management-industry-trends/a-tough-but-smart-sell",{},"Jul 1, 2005","Plenty of clients detest bond mutual funds, their most common gripe: Why own these never-maturing bonds when the Fed is trying to nudge up interest rates? When interest rates rise, bond funds sink, so in times like these many investors feel more comfortable plugging money into an individual bond and holding it to maturity, secure in the knowledge the cash will be there in the end. But bond prices",{"_774":32,"_775":1105},[],{"_184":185,"_163":1107,"_186":1108,"_169":1110,"_171":1110,"_174":1111,"_766":1112,"_176":177,"_178":1113,"_180":177,"_172":1114,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":1115,"_777":778},{"_165":177,"_167":177},[1109],{"_54":783,"_190":784,"_192":785,"_763":786},"This Year's Model","/wealth-management-industry-trends/this-year-s-model",{},"Jun 1, 2005","You gotta have a gimmick, Stephen Sondheim advised in the 1959 musical In the song, it's about how to roll them in the aisles at Minsky's. But, mutual fund marketers have made the same calculation, constantly introducing offerings that are designed to stand out from the crowd. During the years of high energy prices in the 1970s and 1980s, for example, companies introduced oil portfolios. As technology",{"_774":32,"_775":1116},[],{"_184":185,"_163":1118,"_186":1119,"_169":1120,"_171":1120,"_174":1121,"_766":1122,"_176":177,"_178":1123,"_180":177,"_172":1124,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":1125,"_777":778},{"_165":177,"_167":177},[],"By the Numbers: The Weight of the Load","/wealth-management-industry-trends/by-the-numbers-the-weight-of-the-load",{},"May 1, 2005","Looking for a good fund that won't nickel and dime clients? Russ Kinnel, a mutual fund analyst at Morningstar, recently ranked the five-year, asset-weighted relative performance of prominent fund families, adjusted for loads. He admits that it's a tricky and imperfect endeavor particularly in the absence of breakpoint considerations and other factors, like how much of a fund's business sits in the",{"_774":32,"_775":1126},[],{"_184":185,"_163":1128,"_186":1129,"_169":1131,"_171":1131,"_174":1132,"_766":1133,"_176":177,"_178":1123,"_180":177,"_172":1134,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":1135,"_777":778},{"_165":177,"_167":177},[1130],{"_54":783,"_190":784,"_192":785,"_763":786},"Will 12b-1 Fees No Longer Be?","/wealth-management-industry-trends/will-12b-1-fees-no-longer-be-",{},"The mutual fund fees known as 12b-1s have morphed into something few envisioned when the SEC created them 25 years ago. With regulators now poised to address that transformation, many reps are sweating about the future of a reliable income stream. Originally created by the SEC as a way to help underwrite fund-marketing costs in a period of perilous outflows for mutual funds, 12b-1s have become a tool",{"_774":32,"_775":1136},[],{"_184":185,"_163":1138,"_186":1139,"_169":1142,"_171":1142,"_174":1143,"_766":1144,"_176":177,"_178":1145,"_180":177,"_172":1146,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":1147,"_777":778},{"_165":177,"_167":177},[1140,1141],{"_54":783,"_190":784,"_192":785,"_763":786},{"_54":859,"_190":860,"_192":177,"_763":177},"A Pile of Reasons","/wealth-management-industry-trends/a-pile-of-reasons",{},"Apr 1, 2005","As one A.G. Edwards financial advisor sees it, regulators and broker/dealer management have gone overboard with mutual fund disclosure. Take the case of the B-share class of mutual funds. Right now, B shares are the baddest guys on the Street, the steroids of the industry, says the advisor, who asked that his name not be printed. [The industry] has tightened a noose around brokers who use them and",{"_774":32,"_775":1148},[],{"_184":185,"_163":1150,"_186":1151,"_169":1153,"_171":1153,"_174":1154,"_766":1155,"_176":177,"_178":1145,"_180":177,"_172":1156,"_770":177,"_196":771,"_181":182,"_183":133,"_194":362,"_772":1157,"_777":778},{"_165":177,"_167":177},[1152],{"_54":783,"_190":784,"_192":785,"_763":786},"Explore Beyond the Core","/wealth-management-industry-trends/explore-beyond-the-core",{},"Most of the cash flowing into exchange-traded funds (ETFs) has focused on a few big funds, especially ones that track popular benchmarks, such as the S&P 500. Such funds are excellent choices for advisors seeking a core holding for clients. But the most intriguing ETFs are the less well-known funds that can increase returns, often while dampening risk. The way ETFs are structured also allows trading",{"_774":32,"_775":1158},[],"sidebarModules",[1161,1209,1224,1336,1371,1390],{"_88":1162,"_1163":1164,"_1206":1207},"module_content_cards","data",{"_112":1165,"_1166":1167,"_196":1168,"_755":1169,"_1202":1203,"_1204":1203,"_1205":-7},"RSB - Content cards","moduleLabel","Latest news","default",[1170,1185,1193],{"_88":1171,"_1163":1172},"contentPreview",{"_184":185,"_196":1173,"_163":1174,"_169":1177,"_171":1178,"_174":1179,"_176":1179,"_766":1180,"_178":179,"_180":177,"_181":158,"_183":159,"_186":1181,"_194":271,"_772":1183},"card-horizontal",{"_165":1175,"_167":1176},"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",{},[1182],{"_54":359,"_190":360,"_192":361},{"_774":32,"_775":1184},[],{"_88":1171,"_1163":1186},{"_184":185,"_196":1173,"_163":1187,"_169":170,"_171":170,"_174":175,"_176":175,"_766":1188,"_178":179,"_180":177,"_181":182,"_183":133,"_186":1189,"_194":195,"_772":1191},{"_165":166,"_167":168},{},[1190],{"_54":189,"_190":191,"_192":193},{"_774":32,"_775":1192},[],{"_88":1171,"_1163":1194},{"_184":185,"_196":1173,"_163":1195,"_169":263,"_171":1196,"_174":265,"_176":265,"_766":1197,"_178":179,"_180":177,"_181":233,"_183":234,"_186":1198,"_194":271,"_772":1200},{"_165":261,"_167":262},"Advisor Use of Custom Model Portfolios Rises",{},[1199],{"_54":268,"_190":269,"_192":270},{"_774":32,"_775":1201},[],"dateDisplay","show","contributorDisplay","displayAd","adConfig",{"_1208":32},"nativeAdOption",{"_88":1210,"_1211":1212,"_1163":1213},"module_newsletter_promo","uid","blta6c28a4504323eb8",{"_112":1214,"_670":1215,"_1216":1212,"_671":1217,"_196":1218,"_1219":1220,"_1221":32,"_1222":1223},"Sign Up for Newsletters","Sign up to receive the latest insights, trends, and analysis.","newsletterId","Subscribe now","horizontal","mode","dark","isOnHomepage","moduleLocation","sidebar",{"_88":1225,"_1163":1226},"module_content_spotlight",{"_196":771,"_1219":1227,"_1228":1229,"_1230":1231,"_184":1232,"_176":471,"_1233":1234},"light","textAlignment","center","moduleDesign","standard","Document","content",{"_1235":1236,"_522":1237,"_1240":1241,"_1242":503,"_1243":503,"_1244":1245,"_172":1325,"_1326":1325,"_1327":1328,"_766":1331,"_174":1330,"_181":255,"_183":1332,"_178":1333,"_772":1334},"keywords",[],{"_56":1238,"_512":1239},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt22b65b64421af461/6737484822c13397ad2f1459/iStock-1187113662.jpg","iStock-1187113662.jpg","summary","Featured WMIQ Research","heading","mobileHeading","articleBody",[1246,1262,1268,1273,1278,1283,1315,1320],{"_88":1247,"_1248":1249,"_1233":1252},"paragraph","attrs",{"_1250":1251},"textAlign","left",[1253,1255],{"_88":1254},"hardBreak",{"_88":522,"_1248":1256},{"_1250":1251,"_165":1257,"_167":1258,"_112":-5,"_1259":1260},"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",{"_1261":1229},"float",{"_88":1247,"_1248":1263,"_1233":1264},{"_1250":1251},[1265],{"_88":1266,"_1266":1267},"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":1247,"_1248":1269,"_1233":1270},{"_1250":1251},[1271],{"_88":1266,"_1266":1272},"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":1247,"_1248":1274,"_1233":1275},{"_1250":1251},[1276],{"_88":1266,"_1266":1277},"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":1247,"_1248":1279,"_1233":1280},{"_1250":1251},[1281],{"_88":1266,"_1266":1282},"The report will touch on:",{"_88":1284,"_1233":1285},"bulletList",[1286,1294,1301,1308],{"_88":1287,"_1233":1288},"listItem",[1289],{"_88":1247,"_1248":1290,"_1233":1291},{"_1250":1251},[1292],{"_88":1266,"_1266":1293},"How volatility, technology, demographics and retirement income are creating new opportunities in wealth and retirement.",{"_88":1287,"_1233":1295},[1296],{"_88":1247,"_1248":1297,"_1233":1298},{"_1250":1251},[1299],{"_88":1266,"_1266":1300},"How defined contribution plans are presenting advisors with access to thousands of qualified prospects.",{"_88":1287,"_1233":1302},[1303],{"_88":1247,"_1248":1304,"_1233":1305},{"_1250":1251},[1306],{"_88":1266,"_1266":1307},"How M&A is quickly aligning retirement plan and wealth management capabilities to accelerate convergence.",{"_88":1287,"_1233":1309},[1310],{"_88":1247,"_1248":1311,"_1233":1312},{"_1250":1251},[1313],{"_88":1266,"_1266":1314},"How private equity is fueling convergence — and what could be coming next.",{"_88":1247,"_1248":1316,"_1233":1317},{"_1250":1251},[1318],{"_88":1266,"_1266":1319},"Download the report. ",{"_88":1247,"_1248":1321,"_1233":1322},{"_1250":1251},[1323],{"_88":1266,"_1266":1324}," ","Why convergence is coming and what it means.","body","callToAction",{"_1266":1329,"_56":1330},"Read more","/financial-planning/wealth-managers-and-rpa-advisors",{},"#","2023-02-02T23:36:00.000Z",{"_774":32,"_775":1335},[],{"_88":1337,"_1163":1338},"module_link_list",{"_1339":1340,"_1341":400,"_1342":1343,"_1344":177,"_1345":1346,"_525":32,"_1351":1352},"listOption","Dynamic","listTitle","icon","ChalkBoard","externalFeed","ctaButton",{"_1347":1348,"_1349":1350},"ctaButtonLink","/wealth-management-webinars ","ctaButtonText","View more","articles",[1353,1359,1361,1368],{"_184":256,"_112":307,"_56":308,"_1354":32,"_1355":311,"_1356":1357,"_1358":309,"_180":254},"isExternalLink","readTime","publishedDate","2025-02-26T22:06:21.000Z","eventDate",{"_184":256,"_112":249,"_56":251,"_1354":32,"_1355":258,"_1356":1360,"_1358":253,"_180":254},"2025-02-25T18:04:00.000Z",{"_184":256,"_112":1362,"_56":1363,"_1354":32,"_1355":1364,"_1356":1365,"_1358":1366,"_180":1367},"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,"_1354":32,"_1355":258,"_1356":1369,"_1358":1370,"_180":302},"2025-02-11T21:04:00.000Z","Mar 4, 2025",{"_88":1372,"_1163":1373},"module_event_promo",{"_112":1374,"_1375":1376,"_1377":177,"_1378":177,"_1379":24,"_1380":1381,"_1382":1383,"_178":1384,"_107":1385,"_1386":1387,"_1388":1389},"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":1391,"_1163":1392},"module_publication_promo",{"_112":1393,"_1211":1394,"_1395":1396,"_1397":1376,"_1349":1398,"_1399":1400,"_1406":1407},"Trusts & Estates Magazine","blt529eec50cacc25f9","promoLabel","Latest Digital Edition","textPosition","Read More","promoPublication",{"_112":1401,"_1240":1402,"_522":1403,"_512":1404,"_56":1405},"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",[],"resourcesModule","metadata",{"_88":1411,"_1211":1412,"_1413":1414,"_1415":12},"topic","blt389a148d295fd000","aid","588201","reg","schema",[1418],{"_1419":1420,"_1421":1422,"_1423":1424},"@context","https://schema.org","@type","BreadcrumbList","itemListElement",[1425,1429,1431],{"_1421":1426,"_1427":362,"_54":745,"_1428":10},"ListItem","position","item",{"_1421":1426,"_1427":271,"_54":213,"_1428":1430},"https://www.wealthmanagement.com/investment-news",{"_1421":1426,"_1427":195,"_54":236,"_1428":1432},"https://www.wealthmanagement.com/investment-news/mutual-funds","seo",{"_1435":6,"_1436":1437,"_1438":1439,"_1440":32,"_1441":1442,"_13":14},"canonicalUrl","metaDescription","Explore the latest news and expert commentary on Mutual Funds, brought to you by the editors of WealthManagement.com","metaTitle","Mutual Funds recent news | WealthManagement.com","noIndex","imageUrl","https://www.wealthmanagement.com/assets/wealthmanagement-DDNDrftq.ico","gtm",{"_1445":1446},"loadEvent",{"_1447":1448,"_1452":1453,"_1455":1456},"attributes",{"_1433":1449},{"_1450":6,"_1451":32},"canonicalURL","hideFromSearchEngines","category",{"_1454":1411},"pageType","pageInfo",{"_1457":1412,"_1458":236,"_1459":1432},"pageID","pageName","destinationURL","isLivePreview","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

Mutual Funds

Latest news

Wealth Managers and RPA Advisors

Trusts & Estates Magazine

Trusts & Estates: February 2025 Digital Edition