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Client AUMs Fall By 30 Percent In 2008","/wealth-management-industry-trends/thain-departs-bofa-an-87-000-rug-say-it-ain-t-so-john-client-aums-fall-by-30-percent-in-2008",{},"John Thain, former CEO of Merrill Lynch and the man who engineered the sales of the storied Wall Street firm to Bank of America in September, is leaving the combined firm \"immediately,\" according to a report from CNBC.",5,{"_773":32,"_774":862},[],{"_184":207,"_163":864,"_186":865,"_169":869,"_171":869,"_174":870,"_763":871,"_176":181,"_178":872,"_180":181,"_172":873,"_767":181,"_196":768,"_182":769,"_183":133,"_194":770,"_771":874,"_776":777},{"_165":181,"_167":181},[866],{"_54":867,"_190":868,"_192":181,"_760":181},"Karen Donovan","/author/karen-donovan","Schapiro’s Replies: Blame The SEC—Not FINRA—For Madoff","/wealth-management-industry-trends/schapiro-s-replies-blame-the-sec-not-finra-for-madoff",{},"Jan 15, 2009","It wasn't my job, man.",{"_773":32,"_774":875},[],{"_184":207,"_163":877,"_186":878,"_169":880,"_171":880,"_174":881,"_763":882,"_176":181,"_178":883,"_180":181,"_172":884,"_767":181,"_196":768,"_182":769,"_183":133,"_194":269,"_771":885,"_776":777},{"_165":181,"_167":181},[879],{"_54":807,"_190":808,"_192":181,"_760":181},"Are We Mostly Crooks? High-Flying Fraudster (Literally) Equals More Bad Publicity For Financial Advisory Profession","/wealth-management-industry-trends/are-we-mostly-crooks-high-flying-fraudster-literally-equals-more-bad-publicity-for-financial-advisory-profession",{},"Jan 14, 2009","Marcus Schrenker is no Bernie Madoff, that's true.",{"_773":32,"_774":886},[],{"_184":207,"_163":888,"_186":889,"_169":891,"_171":891,"_174":892,"_763":893,"_176":181,"_178":894,"_180":181,"_172":895,"_767":181,"_196":768,"_182":769,"_183":133,"_194":269,"_771":896,"_776":777},{"_165":181,"_167":181},[890],{"_54":819,"_190":820,"_192":181,"_760":181},"Motion To Dismiss In Arbitration? Not So Fast.","/wealth-management-industry-trends/motion-to-dismiss-in-arbitration-not-so-fast-",{},"Jan 8, 2009","Firms and advisors facing disputes in arbitration will have a tougher time getting the case dismissed thanks to a new dispute resolution rule, FINRA announced today.",{"_773":32,"_774":897},[],{"_184":207,"_163":899,"_186":900,"_169":902,"_171":902,"_174":903,"_763":904,"_176":181,"_178":905,"_180":181,"_172":906,"_767":181,"_196":768,"_182":769,"_183":133,"_194":770,"_771":907,"_776":777},{"_165":181,"_167":181},[901],{"_54":807,"_190":808,"_192":181,"_760":181},"Sontag Takes McCann’s Job At Merrill","/wealth-management-industry-trends/sontag-takes-mccann-s-job-at-merrill",{},"Jan 6, 2009","Dan Sontag has replaced Robert McCann as head of Merrill Lynch’s brokerage unit.",{"_773":32,"_774":908},[],{"_184":207,"_163":910,"_186":911,"_169":913,"_171":913,"_174":914,"_763":915,"_176":181,"_178":905,"_180":181,"_172":916,"_767":181,"_196":768,"_182":769,"_183":133,"_194":770,"_771":917,"_776":777},{"_165":181,"_167":181},[912],{"_54":831,"_190":832,"_192":181,"_760":181},"Merrill’s McCann Clashed With Thain","/wealth-management-industry-trends/merrill-s-mccann-clashed-with-thain",{},"On Monday, Bob McCann, a popular Merrill veteran who led the firm’s 16,850-person “thundering herd” of brokers, resigned.",{"_773":32,"_774":918},[],{"_184":207,"_163":920,"_186":921,"_169":927,"_171":928,"_174":929,"_763":930,"_176":181,"_178":905,"_180":181,"_172":931,"_767":181,"_196":768,"_182":769,"_183":133,"_194":269,"_771":932,"_776":777},{"_165":181,"_167":181},[922],{"_54":923,"_190":924,"_192":925,"_760":926},"David Geracioti","/author/david-geracioti","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/bltd04eee80f4ce39c6/6724b9993cfc7c4cecb5574c/david-geraciote.jpg","Editor in Chief","Calling All Outstanding Advisors 2009","Calling All Outstanding Advisors","/wealth-management-industry-trends/calling-all-outstanding-advisors-2009",{},"We present our annual Outstanding Advisor Awards each May, but we’re always on the lookout for charitably inclined financial advisors.",{"_773":32,"_774":933},[],{"_184":207,"_163":935,"_186":936,"_169":938,"_171":938,"_174":939,"_763":940,"_176":181,"_178":941,"_180":181,"_172":942,"_767":181,"_196":768,"_182":769,"_183":133,"_194":269,"_771":943,"_776":777},{"_165":181,"_167":181},[937],{"_54":819,"_190":820,"_192":181,"_760":181},"AIG Bailout Unconstitutional?","/wealth-management-industry-trends/aig-bailout-unconstitutional-",{},"Dec 23, 2008","There have been plenty of arguments against the government bailout of AIG, but religion would appear as an unlikely one.",{"_773":32,"_774":944},[],{"_184":207,"_163":946,"_186":947,"_169":949,"_171":949,"_174":950,"_763":951,"_176":181,"_178":952,"_180":181,"_172":953,"_767":181,"_196":768,"_182":769,"_183":133,"_194":770,"_771":954,"_776":777},{"_165":181,"_167":181},[948],{"_54":843,"_190":844,"_192":181,"_760":181},"Merrill Tweaks Grid; Lowers It For Smaller FAs","/wealth-management-industry-trends/merrill-tweaks-grid-lowers-it-for-smaller-fas",{},"Dec 19, 2008","Merrill Lynch executives Dan Sontag, head of Americas Wealth Management, and John Hogarty, COO, released the 2009 Financial Advisor Comp Plan yesterday afternoon.",{"_773":32,"_774":955},[],{"_184":207,"_163":957,"_186":958,"_169":959,"_171":959,"_174":960,"_763":961,"_176":181,"_178":962,"_180":181,"_172":181,"_767":181,"_196":768,"_182":769,"_183":133,"_194":269,"_771":963,"_776":777},{"_165":181,"_167":181},[],"Why the ‘Denominator Effect’ Matters","/wealth-management-industry-trends/why-the-denominator-effect-matters",{},"Dec 16, 2008",{"_773":32,"_774":964},[],{"_184":207,"_163":966,"_186":967,"_169":969,"_171":969,"_174":970,"_763":971,"_176":181,"_178":972,"_180":181,"_172":973,"_767":181,"_196":768,"_182":769,"_183":133,"_194":213,"_771":974,"_776":777},{"_165":181,"_167":181},[968],{"_54":807,"_190":808,"_192":181,"_760":181},"SEC Finalizes $30 Billion ARS Settlement With Citi And UBS","/wealth-management-industry-trends/sec-finalizes-30-billion-ars-settlement-with-citi-and-ubs",{},"Dec 11, 2008","Today the SEC resolved charges against Citi and UBS alleging that the two firms misled investors about liquidity risks related to auction-rate securities.",{"_773":32,"_774":975},[],{"_184":207,"_163":977,"_186":978,"_169":980,"_171":980,"_174":981,"_763":982,"_176":181,"_178":983,"_180":181,"_172":984,"_767":181,"_196":768,"_182":769,"_183":133,"_194":770,"_771":985,"_776":777},{"_165":181,"_167":181},[979],{"_54":923,"_190":924,"_192":925,"_760":926},"AIG Executives: Fat Cats Or Valuable Management Worth Keeping?","/wealth-management-industry-trends/aig-executives-fat-cats-or-valuable-management-worth-keeping-",{},"Dec 4, 2008","Giving bonuses to company executives of a bankrupt, government-rescued company, now that’s a story most news organizations dream about. After all, nothing plays better than outrage—especially when you can play the greedy fat-cat theme, too. So, on its surface, AIG’s handing over $3 million to executives would seem absolutely outrageous. With all due respect to our friend Paul Tharp, the veteran newsman over at the New York Post, we think he miffed the angle of his story yesterday. He should have looked under the obvious story line for mitigating circumstances.",{"_773":32,"_774":986},[],{"_184":207,"_163":988,"_186":989,"_169":991,"_171":991,"_174":992,"_763":993,"_176":181,"_178":994,"_180":181,"_172":995,"_767":181,"_196":768,"_182":146,"_183":147,"_194":269,"_771":996,"_776":777},{"_165":181,"_167":181},[990],{"_54":819,"_190":820,"_192":181,"_760":181},"RIA Consolidators Going After Wirehouse Reps","/wirehouse-news/ria-consolidators-going-after-wirehouse-reps",{},"Dec 2, 2008","RIA holding companies are opening their arms to welcome wirehouse advisors. Not just garden variety reps, but the cream of the crop: those who have significant assets under management and heavily fee-based books.",{"_773":32,"_774":997},[],{"_184":207,"_163":999,"_186":1000,"_169":1002,"_171":1002,"_174":1003,"_763":1004,"_176":181,"_178":1005,"_180":181,"_172":1006,"_767":181,"_196":768,"_182":769,"_183":133,"_194":213,"_771":1007,"_776":777},{"_165":181,"_167":181},[1001],{"_54":758,"_190":759,"_192":181,"_760":181},"Schwab Re-Org Combines RIAs With Retirement Biz","/wealth-management-industry-trends/schwab-re-org-combines-rias-with-retirement-biz",{},"Nov 18, 2008","Schwab Institutional had an awesome year in 2008, stealing clients and assets from wirehouse advisors and expanding its lead in the RIA custodian business.",{"_773":32,"_774":1008},[],{"_184":207,"_163":1010,"_186":1011,"_169":1015,"_171":1015,"_174":1016,"_763":1017,"_176":181,"_178":1018,"_180":181,"_172":1019,"_767":181,"_196":768,"_182":769,"_183":133,"_194":213,"_771":1020,"_776":777},{"_165":181,"_167":181},[1012],{"_54":1013,"_190":1014,"_192":181,"_760":181},"Kristen French","/author/kristen-french","Update: 6,200 Merrill FAs Sign BofA Retention At Deadline","/wealth-management-industry-trends/update-6-200-merrill-fas-sign-bofa-retention-at-deadline",{},"Nov 14, 2008","Merrill Lynch confirmed that 6,200 advisors, or about 37 percent of all Merrill financial advisors, signed a retention agreement from new parent company Bank of America by 4 p.m. on Friday. But Merrill says that only about half of the firm's nearly 17,000 advisors were eligible in the first place, and that they are responsible for about 75 percent of the firm's production. Almost 95 percent of these eligible advisors signed. Of the absolute best at the firm—those producing annual revenue of $1.75 billion or more—99 percent signed the agreement.",{"_773":32,"_774":1021},[],{"_184":207,"_163":1023,"_186":1024,"_169":1026,"_171":1026,"_174":1027,"_763":1028,"_176":181,"_178":1029,"_180":181,"_172":1030,"_767":181,"_196":768,"_182":769,"_183":133,"_194":269,"_771":1031,"_776":777},{"_165":181,"_167":181},[1025],{"_54":807,"_190":808,"_192":181,"_760":181},"UBS Executive Indicted, Faces Up To Five-Years Jail Time","/wealth-management-industry-trends/ubs-executive-indicted-faces-up-to-five-years-jail-time",{},"Nov 12, 2008","The U.S. Government’s investigation of cross-border business by UBS and alleged tax evasion by some of the firm’s US clients has resulted in an indictment of Raoul Weil, Chairman and CEO of UBS Global Wealth Management and Business Banking.",{"_773":32,"_774":1032},[],{"_184":207,"_163":1034,"_186":1035,"_169":1037,"_171":1037,"_174":1038,"_763":1039,"_176":181,"_178":1040,"_180":181,"_172":1041,"_767":181,"_196":768,"_182":769,"_183":133,"_194":213,"_771":1042,"_776":777},{"_165":181,"_167":181},[1036],{"_54":807,"_190":808,"_192":181,"_760":181},"Bank Of America To Sign Protocol, Herd Still Weighing Options","/wealth-management-industry-trends/bank-of-america-to-sign-protocol-herd-still-weighing-options",{},"Nov 6, 2008","Bank of America intends to sign the so-called “broker protocol,” an agreement signed by most of the brokerage firms and RIAs stipulating what client information is acceptable for a departing financial advisor to take without getting sued by the former employer. But when?",{"_773":32,"_774":1043},[],{"_184":207,"_163":1045,"_186":1046,"_169":1048,"_171":1048,"_174":1049,"_763":1050,"_176":181,"_178":1051,"_180":181,"_172":1052,"_767":181,"_196":768,"_182":769,"_183":133,"_194":364,"_771":1053,"_776":777},{"_165":181,"_167":181},[1047],{"_54":807,"_190":808,"_192":181,"_760":181},"Top Merrill FAs Playing Hardball With Retention Package","/wealth-management-industry-trends/top-merrill-fas-playing-hardball-with-retention-package",{},"Nov 4, 2008","The top 50 financial advisors at Merrill Lynch aren’t happy with the wording of their retention package, and they’ve taken the first step towards getting changes made by collectively hiring a lawyer.",{"_773":32,"_774":1054},[],{"_184":207,"_163":1056,"_186":1057,"_169":1061,"_171":1061,"_174":1062,"_763":1063,"_176":181,"_178":1064,"_180":181,"_172":1065,"_767":181,"_196":768,"_182":309,"_183":310,"_194":1066,"_771":1067,"_776":777},{"_165":181,"_167":181},[1058],{"_54":1059,"_190":1060,"_192":181,"_760":181},"Fran Hawthorne","/author/fran-hawthorne","What To Tell Panicked Clients","/client-relations/what-to-tell-panicked-clients",{},"Nov 1, 2008","In September and October, Houston-based financial advisor Mike Robertson was getting 60 calls a day from panicked clients. On Long Island, New York, about 5 percent of Mark Snyder's clients hit the phones. They're saying, What's happening? says Snyder, president of Mark J. Snyder Financial Services, a financial advisory firm that manages about $140 million. It's scary out there. As the federal government",11,{"_773":32,"_774":1068},[],{"_184":207,"_163":1070,"_186":1071,"_169":1077,"_171":1077,"_174":1078,"_763":1079,"_176":181,"_178":1064,"_180":181,"_172":1080,"_767":181,"_196":768,"_182":769,"_183":133,"_194":787,"_771":1081,"_776":777},{"_165":181,"_167":181},[1072],{"_54":1073,"_190":1074,"_192":1075,"_760":1076},"Stan Luxenberg","/author/stan-luxenberg","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt8395e4193df54a18/6724b96fdb7f32fd699256e6/stan-luxenberg-web.jpg","Special Contributor","Needlessly Scrimping?","/wealth-management-industry-trends/needlessly-scrimping-",{},"Faced with gyrating markets, many retirees worry about exhausting their savings. To calm nerves, some clients may insist on reducing their spending. But if withdrawal plans have been carefully designed, advisors have little reason to make major alterations now. Most clients are not likely to run out of money provided they have invested in a sensible portfolio and take reasonable withdrawals, says",{"_773":32,"_774":1082},[],{"_184":207,"_163":1084,"_186":1085,"_169":1086,"_171":1086,"_174":1087,"_763":1088,"_176":181,"_178":1064,"_180":181,"_172":1089,"_767":181,"_196":768,"_182":226,"_183":227,"_194":364,"_771":1090,"_776":777},{"_165":181,"_167":181},[],"On Borrowed Time","/equities/on-borrowed-time",{},"All eyes are on the stock market's gyrations and its impact on retirement plans. Bear markets are a vexing problem for retirees, of course, but that's not the real issue. The coming retirement crisis is worse than a simple bear market cycle. Just as pension promises are being broken in the private sector because companies can't afford to be on the hook for such huge, long-term (and open-ended) obligations,",{"_773":32,"_774":1091},[],{"_184":207,"_163":1093,"_186":1094,"_169":1097,"_171":1097,"_174":1098,"_763":1099,"_176":181,"_178":1100,"_180":181,"_172":1101,"_767":181,"_196":768,"_182":769,"_183":133,"_194":213,"_771":1102,"_776":777},{"_165":181,"_167":181},[1095,1096],{"_54":807,"_190":808,"_192":181,"_760":181},{"_54":1013,"_190":1014,"_192":181,"_760":181},"If Bank of America Signs Protocol, It’s Business As Usual. If Not, Maybe Not","/wealth-management-industry-trends/if-bank-of-america-signs-protocol-it-s-business-as-usual-if-not-maybe-not",{},"Oct 31, 2008","If Bank of America signs the broker protocol, it will be pretty much business as usual for Merrill advisors, say securities lawyers. But advisors may not know whether BofA will sign it before they have to sign their own retention agreements—by November 14. If the bank is going to sign, some wonder, what is it waiting for?",{"_773":32,"_774":1103},[],{"_184":207,"_163":1105,"_186":1106,"_169":1108,"_171":1108,"_174":1109,"_763":1110,"_176":181,"_178":1111,"_180":181,"_172":1112,"_767":181,"_196":768,"_182":769,"_183":133,"_194":269,"_771":1113,"_776":777},{"_165":181,"_167":181},[1107],{"_54":807,"_190":808,"_192":181,"_760":181},"Separate BofA Retention Package Targets Top Half of BofA force","/wealth-management-industry-trends/separate-bofa-retention-package-targets-top-half-of-bofa-force",{},"Oct 27, 2008","Bank of America and Merrill Lynch released retention bonus plans for their financial advisors on Friday and both send a consistent message to financial advisors: If you’re a top producer, we want you to stay. (Click here for the Merrill retention package.) If you’re not, see ya.",{"_773":32,"_774":1114},[],{"_184":207,"_163":1116,"_186":1117,"_169":1119,"_171":1119,"_174":1120,"_763":1121,"_176":181,"_178":1122,"_180":181,"_172":1123,"_767":181,"_196":768,"_182":769,"_183":133,"_194":364,"_771":1124,"_776":777},{"_165":181,"_167":181},[1118],{"_54":807,"_190":808,"_192":181,"_760":181},"Merrill Posts $5.2 Billion Loss, Fifth In A Row","/wealth-management-industry-trends/merrill-posts-5-2-billion-loss-fifth-in-a-row",{},"Oct 17, 2008","Merrill Lynch reported its fifth straight quarterly loss today.",{"_773":32,"_774":1125},[],{"_184":207,"_163":1127,"_186":1128,"_169":1130,"_171":1130,"_174":1131,"_763":1132,"_176":181,"_178":1133,"_180":181,"_172":1134,"_767":181,"_196":768,"_182":769,"_183":133,"_194":364,"_771":1135,"_776":777},{"_165":181,"_167":181},[1129],{"_54":807,"_190":808,"_192":181,"_760":181},"Morgan Stanley Sweetens Deal For Mitsubishi, Stock Soars","/wealth-management-industry-trends/morgan-stanley-sweetens-deal-for-mitsubishi-stock-soars",{},"Oct 13, 2008","Morgan Stanley eased investor worries about its future today, closing on its $9-billion deal with Mitsubishi UFJ Financial Group.",{"_773":32,"_774":1136},[],{"_184":207,"_163":1138,"_186":1139,"_169":1141,"_171":1141,"_174":1142,"_763":1143,"_176":181,"_178":1144,"_180":181,"_172":1145,"_767":181,"_196":768,"_182":769,"_183":133,"_194":213,"_771":1146,"_776":777},{"_165":181,"_167":181},[1140],{"_54":843,"_190":844,"_192":181,"_760":181},"Citi Walks, Wells Fargo Gets Wachovia, Wachovia Reps Relieved","/wealth-management-industry-trends/citi-walks-wells-fargo-gets-wachovia-wachovia-reps-relieved",{},"Oct 10, 2008","Wells Fargo emerged the victor in the battle for Wachovia after Citi was left at the altar.",{"_773":32,"_774":1147},[],{"_184":207,"_163":1149,"_186":1150,"_169":1154,"_171":1154,"_174":1155,"_763":1156,"_176":181,"_178":1157,"_180":181,"_172":1158,"_767":181,"_196":768,"_182":769,"_183":133,"_194":269,"_771":1159,"_776":777},{"_165":181,"_167":181},[1151],{"_54":1152,"_190":1153,"_192":181,"_760":181},"Registered Rep. Staff","/author/registered-rep-staff","Bank of America Reaches Second Settlement To Buy Back ARS","/wealth-management-industry-trends/bank-of-america-reaches-second-settlement-to-buy-back-ars",{},"Oct 8, 2008","Bank of America settled with the SEC and state regulators today over allegations of fraud in connection with the sale of auction-rate securities, agreeing to buy them back from its retail customers at par.",{"_773":32,"_774":1160},[],{"_184":207,"_163":1162,"_186":1163,"_169":1167,"_171":1167,"_174":1168,"_763":1169,"_176":181,"_178":1170,"_180":181,"_172":1171,"_767":181,"_196":768,"_182":155,"_183":156,"_194":770,"_771":1172,"_776":777},{"_165":181,"_167":181},[1164],{"_54":1165,"_190":1166,"_192":181,"_760":181},"Rorie M. Sherman","/author/rorie-m-sherman","Special Edition: Financial Crises of the Past","/regulation-compliance/special-edition-financial-crises-of-the-past",{},"Oct 6, 2008","It was November 1929—just one month after the now infamous Stock Market Crash of 1929. And Trusts & Estates magazine was there.",{"_773":32,"_774":1173},[],"sidebarModules",[1176,1236,1251,1362,1397,1416],{"_88":1177,"_1178":1179,"_1233":1234},"module_content_cards","data",{"_112":1180,"_1181":1182,"_196":1183,"_752":1184,"_1229":1230,"_1231":1230,"_1232":-7},"RSB - Content cards","moduleLabel","Latest news","default",[1185,1204,1218],{"_88":1186,"_1178":1187},"contentPreview",{"_184":207,"_196":1188,"_163":1189,"_169":1192,"_171":1192,"_174":1193,"_176":1193,"_763":1194,"_178":179,"_180":181,"_182":257,"_183":1195,"_186":1196,"_194":1201,"_771":1202},"card-horizontal",{"_165":1190,"_167":1191},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt24e1be865c1abec2/67acf3e8fe3dafbb705e42ee/couple-holding-hands-heart.jpg","couple holding hands heart","Cupid Calling: The Power of the Re-Proposal","/client-relations/cupid-calling-the-power-of-the-re-proposal",{},"#",[1197],{"_54":1198,"_190":1199,"_192":1200},"Ryan Nauman","/author/ryan-nauman","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt422ed39c034203aa/675078111c8f3b5b7ca69df9/Nauman-Ryan.jpg",6,{"_773":32,"_774":1203},[],{"_88":1186,"_1178":1205},{"_184":207,"_196":1188,"_163":1206,"_169":1209,"_171":1209,"_174":1210,"_176":1210,"_763":1211,"_178":179,"_180":181,"_182":155,"_183":156,"_186":1212,"_194":213,"_771":1216},{"_165":1207,"_167":1208},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/bltd88c4622605c01fc/67ace1a22e0ee36362e76bf9/cfpb-office-hq.jpg","CFPB office HQ","CFPB Disarray Puts Future Fintech, Bank Oversight Into Question","/regulation-compliance/cfpb-disarray-puts-future-fintech-bank-oversight-into-question",{},[1213],{"_54":1214,"_190":1215,"_192":1195},"Paige Smith","/author/paige-smith",{"_773":32,"_774":1217},[],{"_88":1186,"_1178":1219},{"_184":207,"_196":1188,"_163":1220,"_169":265,"_171":1221,"_174":267,"_176":267,"_763":1222,"_178":179,"_180":181,"_182":226,"_183":227,"_186":1223,"_194":269,"_771":1227},{"_165":263,"_167":264},"Schwab Expands 24-Hour Trading to All Retail Clients",{},[1224],{"_54":1225,"_190":1226,"_192":1195},"Georgia Hall","/author/georgia-hall",{"_773":32,"_774":1228},[],"dateDisplay","show","contributorDisplay","displayAd","adConfig",{"_1235":32},"nativeAdOption",{"_88":1237,"_1238":1239,"_1178":1240},"module_newsletter_promo","uid","blta6c28a4504323eb8",{"_112":1241,"_671":1242,"_1243":1239,"_672":1244,"_196":1245,"_1246":1247,"_1248":32,"_1249":1250},"Sign Up for Newsletters","Sign up to receive the latest insights, trends, and analysis.","newsletterId","Subscribe 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