[{"_1":2,"_1496":-5,"_1497":-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/wealth-planning/financial-planning?page=28","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\":33.972893,\"transactionName\":\"MhBSZQoZWEEDU0ZaXgtac0QLDFlfTR9FVlAJAVgcCBRXXAxZXFQeAxxeUBYbX1MOHUJfUAsbWV8f\",\"queueTime\":0,\"ttGuid\":\"777d0cfa57e80f04\"}; (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,"_1444":1445,"_1451":1452,"_1468":1469,"_1478":1479,"_1495":32},"isRequestedByGoogleBot","weatherWidgetConfig","iirisRecommendationConfig","template",{"_112":280,"_738":739,"_740":177,"_196":44,"_741":742,"_748":-7,"_749":750,"_755":756,"_1195":1196,"_1443":-7},"categories",[],"categoryDesc","breadcrumbs",[743,746,747],{"_56":744,"_112":745},"/","Home",{"_112":273,"_56":274},{"_112":280,"_56":281},"newsletterSignUpPromo","pagination",{"_751":752,"_753":754},"totalCount",30,"currentPage",28,"contents",[757,775,789,803,815,828,841,852,863,874,885,896,907,918,929,943,954,965,992,1003,1014,1025,1039,1050,1061,1072,1082,1094,1104,1115,1126,1139,1150,1161,1172],{"_184":185,"_163":758,"_186":759,"_169":760,"_171":760,"_174":761,"_762":763,"_176":177,"_178":764,"_180":177,"_172":765,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":769,"_773":774},{"_165":177,"_167":177},[],"GenSpring Family Offices Acquires Inlign Wealth Management","/financial-planning/genspring-family-offices-acquires-inlign-wealth-management","linkAttrs",{},"Jan 3, 2008","PALM BEACH, Fla. – Jan. 2, 2008 – GenSpring Family Offices (formerly Asset Management Advisors), the wealth management firm for ultra high net worth families, announced today the acquisition of Inlign Wealth Management, LLC. Based in Phoenix and founded by Mark Feldman in 2002","articleBodyJsonSummary","normal","paidGating",{"_770":32,"_771":772},"paidContent","paidProductTaxonomy",[],"articleSize","big",{"_184":185,"_163":776,"_186":777,"_169":782,"_171":782,"_174":783,"_762":784,"_176":177,"_178":785,"_180":177,"_172":786,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":787,"_773":774},{"_165":177,"_167":177},[778],{"_54":779,"_190":780,"_192":177,"_781":177},"Christina Mucciolo","/author/christina-mucciolo","role","Benchmarking For Growth, What’s Right For You","/financial-planning/benchmarking-for-growth-what-s-right-for-you",{},"Jan 2, 2008","The start of a new year can be seen as a time of reckoning. For independent advisors and registered investment advisors this could mean it’s time to benchmark their practices and set new profit-margin targets. But before resolving on a good benchmark to track performance and establish new goals, advisors should take into consideration that profit margins in the independent space vary greatly by market. In fact, independent advisory practices’ profit margins (before owners’ draw) range from under 20 percent to over 80 percent, according to a recent study by the Financial Planning Association (FPA). With such a wide profit-margin range, how can firms identify the best benchmark for their business?",{"_770":32,"_771":788},[],{"_184":185,"_163":790,"_186":791,"_169":797,"_171":797,"_174":798,"_762":799,"_176":177,"_178":800,"_180":177,"_172":177,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":801,"_773":774},{"_165":177,"_167":177},[792],{"_54":793,"_190":794,"_192":795,"_781":796},"Natalie B. Choate","/author/natalie-b-choate","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/bltafbc42b37a996752/6724b92c9a89be80d41bde6e/natalie-choate.jpg","Of Counsel","Only the IRS Knows for Sure!","/financial-planning/only-the-irs-knows-for-sure-",{},"Dec 19, 2007",{"_770":32,"_771":802},[],{"_184":185,"_163":804,"_186":805,"_169":809,"_171":809,"_174":810,"_762":811,"_176":177,"_178":800,"_180":177,"_172":812,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":813,"_773":774},{"_165":177,"_167":177},[806],{"_54":807,"_190":808,"_192":177,"_781":177},"Halah Touryalai","/author/halah-touryalai","FINRA Gets Tough On Brokers Looking To Erase Their Past","/financial-planning/finra-gets-tough-on-brokers-looking-to-erase-their-past",{},"Depending on whom you talk to, it may have just become a little bit harder for registered reps to erase disputes from the Central Registration Depository (“CRD”) records system. The Financial Industry Regulatory Authority proposed a rule last week that would require arbitrators to take some extra steps before recommending expungement of information from a broker’s “permanent” record. (Ironically, there is no similar database for registered investment advisors or their investment advisor reps (IARs)—who love to tout their fiduciary status.)",{"_770":32,"_771":814},[],{"_184":185,"_163":816,"_186":817,"_169":821,"_171":821,"_174":822,"_762":823,"_176":177,"_178":824,"_180":177,"_172":825,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":826,"_773":774},{"_165":177,"_167":177},[818],{"_54":819,"_190":820,"_192":177,"_781":177},"John Churchill","/author/john-churchill","Holiday Gifts for Clients? Some Do’s and Don’ts","/financial-planning/holiday-gifts-for-clients-some-do-s-and-don-ts",{},"Dec 12, 2007","According to a recently published study, Americans worth $10 million or more will spend 67 percent more this year on gifts, including jewelry, fashion and travel",{"_770":32,"_771":827},[],{"_184":185,"_163":829,"_186":830,"_169":834,"_171":834,"_174":835,"_762":836,"_176":177,"_178":837,"_180":177,"_172":838,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":839,"_773":774},{"_165":177,"_167":177},[831],{"_54":832,"_190":833,"_192":177,"_781":177},"Kristen French","/author/kristen-french","Grooming Your Business For Talent","/financial-planning/grooming-your-business-for-talent",{},"Dec 5, 2007","You may have heard by now that there is a talent-squeeze in the wealth-management business. In fact, one quarter of recruitment openings for wealth managers could not be filled during the past year",{"_770":32,"_771":840},[],{"_184":185,"_163":842,"_186":843,"_169":845,"_171":845,"_174":846,"_762":847,"_176":177,"_178":848,"_180":177,"_172":849,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":850,"_773":774},{"_165":177,"_167":177},[844],{"_54":779,"_190":780,"_192":177,"_781":177},"Kochis/Quintile Set the Tone","/financial-planning/kochis-quintile-set-the-tone",{},"Nov 14, 2007","It’s been a record-breaking year for mergers and acquisitions in the registered investment advisory business, with around 60 deals done through early November",{"_770":32,"_771":851},[],{"_184":185,"_163":853,"_186":854,"_169":856,"_171":856,"_174":857,"_762":858,"_176":177,"_178":859,"_180":177,"_172":860,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":861,"_773":774},{"_165":177,"_167":177},[855],{"_54":819,"_190":820,"_192":177,"_781":177},"The Race For Assets","/financial-planning/the-race-for-assets",{},"Nov 7, 2007","The RIA industry gets all the glory: These publications, and others like it, have been writing about how fast the space has been growing.",{"_770":32,"_771":862},[],{"_184":185,"_163":864,"_186":865,"_169":867,"_171":867,"_174":868,"_762":869,"_176":177,"_178":870,"_180":177,"_172":871,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":872,"_773":774},{"_165":177,"_167":177},[866],{"_54":819,"_190":820,"_192":177,"_781":177},"Mutual Funds The Wealthy Prefer","/financial-planning/mutual-funds-the-wealthy-prefer",{},"Nov 1, 2007","Hedge Funds, private equity and other investments may be an emerging playground for the rich, but mutual funds still have their place in the hearts of the moneyed set. Of course, some funds get more love than others. According to the Luxury Institute, a New York-based firm that studies the high-net-worth segment, the wealthy like Dodge & Cox and Blackrock best. Below are rankings of the top five mutual",{"_770":32,"_771":873},[],{"_184":185,"_163":875,"_186":876,"_169":878,"_171":878,"_174":879,"_762":880,"_176":177,"_178":881,"_180":177,"_172":882,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":883,"_773":774},{"_165":177,"_167":177},[877],{"_54":832,"_190":833,"_192":177,"_781":177},"Talking Charitable Giving with Clients","/financial-planning/talking-charitable-giving-with-clients",{},"Oct 31, 2007","Some advisors say they feel unprepared and uncomfortable talking about charitable giving with clients. But those with experience say it’s both easy and rewarding.",{"_770":32,"_771":884},[],{"_184":185,"_163":886,"_186":887,"_169":891,"_171":891,"_174":892,"_762":893,"_176":177,"_178":881,"_180":177,"_172":177,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":894,"_773":774},{"_165":177,"_167":177},[888],{"_54":889,"_190":890,"_192":177,"_781":177},"David Adler","/author/david-adler","Horton Foote’s \"Dividing the Estate\"","/financial-planning/horton-foote-s-dividing-the-estate-",{},{"_770":32,"_771":895},[],{"_184":185,"_163":897,"_186":898,"_169":900,"_171":900,"_174":901,"_762":902,"_176":177,"_178":903,"_180":177,"_172":904,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":905,"_773":774},{"_165":177,"_167":177},[899],{"_54":779,"_190":780,"_192":177,"_781":177},"The Dreaded Compliance Review—Get Used To It","/financial-planning/the-dreaded-compliance-review-get-used-to-it",{},"Oct 17, 2007","If you run a registered investment advisory (or work for an RIA as an investment advisor representative) and haven’t been paid a visit by the SEC in a while, here is a fun fact to know and tell: Forty percent of RIAs examined in 2006 received a deficiency letter on their compliance procedures by the SEC.",{"_770":32,"_771":906},[],{"_184":185,"_163":908,"_186":909,"_169":911,"_171":911,"_174":912,"_762":913,"_176":177,"_178":914,"_180":177,"_172":915,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":916,"_773":774},{"_165":177,"_167":177},[910],{"_54":819,"_190":820,"_192":177,"_781":177},"BRIC: Four Years On, What's the Call?","/financial-planning/bric-four-years-on-what-s-the-call-",{},"Oct 10, 2007","The first of this month marked the four-year anniversary of the publication of the Goldman Sachs report that popularized BRIC, the acronym for emerging markets Brazil, Russia, India and China. That report, entitled ``Dreaming With BRICs: The Path to 2050,'' predicted that the BRIC economies would account for more of the world's economy than France, Germany, Italy, Japan, the U.K. and the U.S. combined by 2033.",{"_770":32,"_771":917},[],{"_184":185,"_163":919,"_186":920,"_169":922,"_171":922,"_174":923,"_762":924,"_176":177,"_178":925,"_180":177,"_172":926,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":927,"_773":774},{"_165":177,"_167":177},[921],{"_54":832,"_190":833,"_192":177,"_781":177},"The Big Squeeze: RIA Talent is in High Demand","/financial-planning/the-big-squeeze-ria-talent-is-in-high-demand",{},"Oct 3, 2007","The financial advisory business has run into a major talent crunch. There just aren’t enough good people to fill the seats available, according to Moss Adams’ 2007 annual report on compensation and staffing in the advisory industry.",{"_770":32,"_771":928},[],{"_184":185,"_163":930,"_186":931,"_169":937,"_171":937,"_174":938,"_762":939,"_176":177,"_178":940,"_180":177,"_172":177,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":941,"_773":774},{"_165":177,"_167":177},[932],{"_54":933,"_190":934,"_192":935,"_781":936},"David Geracioti","/author/david-geracioti","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/bltd04eee80f4ce39c6/6724b9993cfc7c4cecb5574c/david-geraciote.jpg","Editor in Chief","Richistan","/financial-planning/richistan",{},"Sep 19, 2007",{"_770":32,"_771":942},[],{"_184":185,"_163":944,"_186":945,"_169":947,"_171":947,"_174":948,"_762":949,"_176":177,"_178":950,"_180":177,"_172":951,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":952,"_773":774},{"_165":177,"_167":177},[946],{"_54":819,"_190":820,"_192":177,"_781":177},"Think The 401(k) Market Is A Hassle? Guess Again. How One Advisor Gathered $10 Million In Two Months","/financial-planning/think-the-401-k-market-is-a-hassle-guess-again-how-one-advisor-gathered-10-million-in-two-months",{},"Sep 12, 2007","Gary Rathbun has never done much 401(k) business, but with the Pension Protection Act trumpeting fee disclosure and fiduciary liability, Rathbun felt the opportunity was too great to miss.",{"_770":32,"_771":953},[],{"_184":185,"_163":955,"_186":956,"_169":958,"_171":958,"_174":959,"_762":960,"_176":177,"_178":961,"_180":177,"_172":962,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":963,"_773":774},{"_165":177,"_167":177},[957],{"_54":832,"_190":833,"_192":177,"_781":177},"RIAs Face Increased SEC Scrutiny: Are You Ready?","/financial-planning/rias-face-increased-sec-scrutiny-are-you-ready-",{},"Sep 5, 2007","Most investment advisors face SEC audits and examinations with dread. After all, the SEC has beefed up its registered investment advisor (RIA) exams in the past year or so, increased its inspection budget and is working towards increasing the number of examiners on staff. These days, RIAs have a lot more rules to follow too: They must maintain a written compliance manual, complete an annual compliance review and keep a code of ethics (among many other things). What’s more, most exams—a full 80 percent in 2006—result in deficiency letters or requests for correction.",{"_770":32,"_771":964},[],{"_184":185,"_163":966,"_186":967,"_169":973,"_171":973,"_174":974,"_762":975,"_176":177,"_178":976,"_180":177,"_172":977,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":978,"_773":774},{"_165":177,"_167":177},[968],{"_54":969,"_190":970,"_192":971,"_781":972},"Steven B. Gorin","/author/steven-b-gorin","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt6c4d088ad06b6541/6724b7285869ac517e07e961/steven-gorin.jpg","Partner","Insurance LLC Helps Business Owners","/financial-planning/insurance-llc-helps-business-owners",{},"Sep 1, 2007","Owners of closely held businesses have long sought ways to buy the interest of an owner who dies. They also have sought ways to enjoy the business' success financially while avoiding estate tax upon their death. A new private letter ruling obtained for my client (at press time, it had yet to be assigned a number) approves a creative life insurance funding mechanism to fund the purchase and continues",{"_770":24,"_771":979},[980],{"_981":982,"_983":177,"_984":985,"_986":987,"_988":989,"_990":24,"_991":177},"uid","blt383a56e4f7171a94","paidProductName","paidProductTaxonomyType","siteSubscription","paymentEngine","advantage","paidProductId","TAE","activeProduct","promoCode",{"_184":185,"_163":993,"_186":994,"_169":996,"_171":996,"_174":997,"_762":998,"_176":177,"_178":999,"_180":177,"_172":1000,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":1001,"_773":774},{"_165":177,"_167":177},[995],{"_54":819,"_190":820,"_192":177,"_781":177},"Brokerages On The Cheap","/financial-planning/brokerages-on-the-cheap",{},"Aug 22, 2007","Wow, what a mess, eh? While the credit squeeze and the rush to safety has equity investors scared, one wonders: Is it time to go shopping? Consider the brokerages.",{"_770":32,"_771":1002},[],{"_184":185,"_163":1004,"_186":1005,"_169":1007,"_171":1007,"_174":1008,"_762":1009,"_176":177,"_178":1010,"_180":177,"_172":1011,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":1012,"_773":774},{"_165":177,"_167":177},[1006],{"_54":807,"_190":808,"_192":177,"_781":177},"What to Watch in Wealth Management","/financial-planning/what-to-watch-in-wealth-management",{},"Aug 15, 2007","It’s not easy keeping up with the changing wealth management landscape. There is so much information available these days. How to stay focused on those things that will have the most impact on your clients? Well, the Dow Jones Wealth Management Advisory Council has some advice: Try taxes, the 30-year retirement, the increasing complexity of investment products, and team development.",{"_770":32,"_771":1013},[],{"_184":185,"_163":1015,"_186":1016,"_169":1018,"_171":1018,"_174":1019,"_762":1020,"_176":177,"_178":1021,"_180":177,"_172":1022,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":1023,"_773":774},{"_165":177,"_167":177},[1017],{"_54":807,"_190":808,"_192":177,"_781":177},"Wealthy Like Ed Jones, Charles Schwab","/financial-planning/wealthy-like-ed-jones-charles-schwab",{},"Aug 1, 2007","In the retail brokerage and financial advisory businesses, the customer, as they say, is king. After all, the vast majority of new business is driven by referrals, and referrals come from happy clients. So it might interest you to know how the high-net-worth ranked their overall customer experience at various firms in the industry.",{"_770":32,"_771":1024},[],{"_184":185,"_163":1026,"_186":1027,"_169":1033,"_171":1033,"_174":1034,"_762":1035,"_176":177,"_178":1021,"_180":177,"_172":1036,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":1037,"_773":774},{"_165":177,"_167":177},[1028],{"_54":1029,"_190":1030,"_192":1031,"_781":1032},"Kevin McKinley","/author/kevin-mckinley","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt556f6fc684a5841a/6724b8a97c8e28f6d254cf99/kevin-mckinley2-web.jpg","Columnist: Generations","The Kids Can't Catch a (Tax) Break","/financial-planning/the-kids-can-t-catch-a-tax-break",{},"Until recently, astute high-net-worth parents wishing to fund their children's future education expenses could save a bundle in taxes by transferring money or investments to accounts established under the Uniform Transfer to Minors Act or Uniform Gifts to Minors Act (UTMA/UGMA). This strategy reduced taxes in two ways: First, the initial batch of each year's realized gains and income in the accounts",{"_770":32,"_771":1038},[],{"_184":185,"_163":1040,"_186":1041,"_169":1043,"_171":1043,"_174":1044,"_762":1045,"_176":177,"_178":1046,"_180":177,"_172":1047,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":1048,"_773":774},{"_165":177,"_167":177},[1042],{"_54":779,"_190":780,"_192":177,"_781":177},"Keep in Touch, Win More Riches","/financial-planning/keep-in-touch-win-more-riches",{},"Jul 25, 2007","How often do you call your clients? If they’re affluent, it might not be often enough. According to a J.D. Power and Associates 2007 “Full Service Investor Satisfaction Study,” released on July 24, there is a substantial group of wealthy investors who aren’t happy with the service they’re getting. About 25 percent of respondents (who had $500,000 or more in liquid assets, and 90 percent of their assets with a single investment firm) reported low levels of satisfaction, primarily because of a lack of contact from their investment advisors. What’s worse, 5 percent of this group say they intend to switch firms within the next 12 months.",{"_770":32,"_771":1049},[],{"_184":185,"_163":1051,"_186":1052,"_169":1054,"_171":1054,"_174":1055,"_762":1056,"_176":177,"_178":1057,"_180":177,"_172":1058,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":1059,"_773":774},{"_165":177,"_167":177},[1053],{"_54":819,"_190":820,"_192":177,"_781":177},"Sick of the Brokerage? Try a Bank.","/financial-planning/sick-of-the-brokerage-try-a-bank-",{},"Jul 18, 2007","Brokerage house got you down? For many brokers, moving to a private bank is equated with less autonomy—not to mention the scary world of salary-plus-bonus comp. But for others, the lure of the elite private banking brands is enough; at the very least, these firms deserve a look.",{"_770":32,"_771":1060},[],{"_184":185,"_163":1062,"_186":1063,"_169":1065,"_171":1065,"_174":1066,"_762":1067,"_176":177,"_178":1068,"_180":177,"_172":1069,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":1070,"_773":774},{"_165":177,"_167":177},[1064],{"_54":779,"_190":780,"_192":177,"_781":177},"The High Cost of Passion","/financial-planning/the-high-cost-of-passion",{},"Jul 11, 2007","Collectibles -- say, a mint condition Joe DiMaggio rookie card or a 1956 \"bathtub\" Porsche speedster -- have always been popular with the wealthy. But never more so than now, according to the annual \"World Wealth Report,\" conducted by Merrill Lynch and consulting technology firm Capgemini, which examines world-wide wealth management practices for high net worth individuals. Indeed, CapGemini calls such assets \"passion investments.\" A word of warning to advisors who want to advise clients on such investments: Outsource, unless you really know the world of collectibles inside out.",{"_770":32,"_771":1071},[],{"_184":185,"_163":1073,"_186":1074,"_169":1075,"_171":1075,"_174":1076,"_762":1077,"_176":177,"_178":1078,"_180":177,"_172":1079,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":1080,"_773":774},{"_165":177,"_167":177},[],"Banks Invade The Wealth Management Space","/financial-planning/banks-invade-the-wealth-management-space",{},"Jun 27, 2007","Everybody is a wealth manager these days. But just what does the term wealth manager mean anyway? The term used to be solely the domain of trust departments in blue-blood firms, such as J.P Morgan. But now everybody is getting into the action, including small community banks, according to a survey, “Who’s Who in Wealth Management,” published by The Bank Insurance Market Research Group.",{"_770":32,"_771":1081},[],{"_184":185,"_163":1083,"_186":1084,"_169":1088,"_171":1088,"_174":1089,"_762":1090,"_176":177,"_178":1091,"_180":177,"_172":177,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":1092,"_773":774},{"_165":177,"_167":177},[1085],{"_54":1086,"_190":1087,"_192":177,"_781":177},"Alan Lavine","/author/alan-lavine","The 419(e) Plan Is a Good Option—If Handled Well","/financial-planning/the-419-e-plan-is-a-good-option-if-handled-well",{},"Jun 20, 2007",{"_770":32,"_771":1093},[],{"_184":185,"_163":1095,"_186":1096,"_169":1098,"_171":1098,"_174":1099,"_762":1100,"_176":177,"_178":1091,"_180":177,"_172":1101,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":1102,"_773":774},{"_165":177,"_167":177},[1097],{"_54":807,"_190":808,"_192":177,"_781":177},"Clients to Advisors: Let’s Talk About Fees","/financial-planning/clients-to-advisors-let-s-talk-about-fees",{},"Trust is an obvious component of a successful relationship between an advisor and a client. But there are some areas of the relationship where advisors may be jeopardizing that trust, and without even knowing it. The way advisors talk to clients about fees, for example, can either build or bust a client relationship. And a recent study suggests a lot of advisors may be bungling that conversation.",{"_770":32,"_771":1103},[],{"_184":185,"_163":1105,"_186":1106,"_169":1108,"_171":1108,"_174":1109,"_762":1110,"_176":177,"_178":1111,"_180":177,"_172":1112,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":1113,"_773":774},{"_165":177,"_167":177},[1107],{"_54":819,"_190":820,"_192":177,"_781":177},"SEC to Decide Fate of Advisor Revenue Stream, 12b-1","/financial-planning/sec-to-decide-fate-of-advisor-revenue-stream-12b-1",{},"Jun 13, 2007","If you’re like many advisors, a chunk of your paycheck comes from 12-b1 fees in some form or another. But chances are you’re not collecting those fees for marketing purposes, as originally intended when SEC rule 12b-1 was written back in 1980. Today, service to clients is what most advisors who receive 12b-1 fees are getting paid for. And the SEC will be examining that disparity and other issues when it convenes a roundtable to discuss the future of rule 12b-1 next Tuesday, June 19, in Washington, D.C.",{"_770":32,"_771":1114},[],{"_184":185,"_163":1116,"_186":1117,"_169":1119,"_171":1119,"_174":1120,"_762":1121,"_176":177,"_178":1122,"_180":177,"_172":1123,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":1124,"_773":774},{"_165":177,"_167":177},[1118],{"_54":832,"_190":833,"_192":177,"_781":177},"Helping Heirs Inherit The Earth (Responsibly)","/financial-planning/helping-heirs-inherit-the-earth-responsibly-",{},"May 30, 2007","If you provide estate-planning services to wealthy aging clients, there’s one detail you might not want to overlook—because many of your clients probably have. Although most wealthy Americans plan to leave their money to their children, and believe it’s important that the next generation manage wealth responsibly, few of them have written any incentives into an existing will or trust.",{"_770":32,"_771":1125},[],{"_184":185,"_163":1127,"_186":1128,"_169":1132,"_171":1132,"_174":1133,"_762":1134,"_176":177,"_178":1135,"_180":177,"_172":1136,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":1137,"_773":774},{"_165":177,"_167":177},[1129],{"_54":1130,"_190":1131,"_192":177,"_781":177},"Kevin Burke","/author/kevin-burke","Sales Culture Leads to Advisor Selection Blunders","/financial-planning/sales-culture-leads-to-advisor-selection-blunders",{},"May 23, 2007","A good salesman doesn’t always make a good financial advisor. And some clients are finding that out the hard way. A survey published by The Paladin Registry, a for-profit company that offers consumers free access to a Web-based database of credentialed and ethical financial advisors, shows that the biggest mistake consumers make when choosing an advisor is gobbling up the sales pitch. In light of the recent court ruling striking down the broker exemption or “Merrill Lynch rule” on fiduciary status, the findings are particularly compelling.",{"_770":32,"_771":1138},[],{"_184":185,"_163":1140,"_186":1141,"_169":1143,"_171":1143,"_174":1144,"_762":1145,"_176":177,"_178":1146,"_180":177,"_172":1147,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":1148,"_773":774},{"_165":177,"_167":177},[1142],{"_54":807,"_190":808,"_192":177,"_781":177},"Time Really Is Money","/financial-planning/time-really-is-money",{},"May 16, 2007","Everybody knows that time management is key in running a business. But managing your time may be even more important to an RIA’s profitability than you may have appreciated before, according to a recent report from Moss Adams and Schwab Institutional called, Best-Managed Firms: It’s About Time.",{"_770":32,"_771":1149},[],{"_184":185,"_163":1151,"_186":1152,"_169":1154,"_171":1154,"_174":1155,"_762":1156,"_176":177,"_178":1157,"_180":177,"_172":1158,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":1159,"_773":774},{"_165":177,"_167":177},[1153],{"_54":779,"_190":780,"_192":177,"_781":177},"Advisors Falling Short on Retirement Income Planning","/financial-planning/advisors-falling-short-on-retirement-income-planning",{},"May 9, 2007","Sure, most financial advisors and wealth managers have heard of retirement income planning by now. And they know they’ve got to provide it if they want to hold onto, or win more, baby boomer clients. But that doesn’t mean they’re doing a good job at it. According to a recent report by Fidelity Investments called “Adapting a Practice for Retirement Income Planning” investors still aren’t getting the retirement planning services or products that they want and need.",{"_770":32,"_771":1160},[],{"_184":185,"_163":1162,"_186":1163,"_169":1165,"_171":1165,"_174":1166,"_762":1167,"_176":177,"_178":1168,"_180":177,"_172":1169,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":1170,"_773":774},{"_165":177,"_167":177},[1164],{"_54":819,"_190":820,"_192":177,"_781":177},"Good Times Roll On In Securities Industry; Brokerage Units Prosper, Too","/financial-planning/good-times-roll-on-in-securities-industry-brokerage-units-prosper-too",{},"May 2, 2007","Remember the bear market? Remember how ugly that was, in 2002 and 2003, when the securities industry was lopping off employees and in a general state of defense? We can’t either. The post-bubble good times just keep on getting better. The first quarter of 2007 was the best ever in terms of revenue growth for the securities industry. The performance even tops the first quarter of 2000.",{"_770":32,"_771":1171},[],{"_184":185,"_163":1173,"_186":1174,"_169":1187,"_171":1187,"_174":1188,"_762":1189,"_176":177,"_178":1190,"_180":177,"_172":1191,"_766":177,"_196":767,"_181":280,"_183":281,"_194":362,"_768":1192,"_773":774},{"_165":177,"_167":177},[1175,1180,1183],{"_54":1176,"_190":1177,"_192":1178,"_781":1179},"Lawrence Brody","/author/lawrence-brody","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt563324e91f732557/6724b9add386c0ef22252f55/lawrence-brody-web.jpg","Senior Counsel",{"_54":1181,"_190":1182,"_192":177,"_781":177},"Bryan Cave","/author/bryan-cave",{"_54":1184,"_190":1185,"_192":1186,"_781":177},"Charles L. Ratner","/author/charles-l-ratner","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/bltac7ab51c71460723/6724b9ac0db62272995aea47/charles-ratner-web.jpg","Today's Split Dollar","/financial-planning/today-s-split-dollar",{},"May 1, 2007","The final split-dollar regulations that were effective as of Sept. 17, 2003 (T.D. 9092) became the operative guidance for arrangements that either were implemented after this date or that existed before Sept. 17, 2003 but were materially modified thereafter.1 Despite the complexity of these regulations, clients still can use split dollar to efficiently finance the premiums for substantial amounts",{"_770":24,"_771":1193},[1194],{"_981":982,"_983":177,"_984":985,"_986":987,"_988":989,"_990":24,"_991":177},"sidebarModules",[1197,1245,1259,1371,1406,1425],{"_88":1198,"_1199":1200,"_1242":1243},"module_content_cards","data",{"_112":1201,"_1202":1203,"_196":1204,"_755":1205,"_1238":1239,"_1240":1239,"_1241":-7},"RSB - Content cards","moduleLabel","Latest news","default",[1206,1221,1229],{"_88":1207,"_1199":1208},"contentPreview",{"_184":185,"_196":1209,"_163":1210,"_169":1213,"_171":1214,"_174":1215,"_176":1215,"_762":1216,"_178":179,"_180":177,"_181":158,"_183":159,"_186":1217,"_194":271,"_768":1219},"card-horizontal",{"_165":1211,"_167":1212},"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",{},[1218],{"_54":359,"_190":360,"_192":361},{"_770":32,"_771":1220},[],{"_88":1207,"_1199":1222},{"_184":185,"_196":1209,"_163":1223,"_169":170,"_171":170,"_174":175,"_176":175,"_762":1224,"_178":179,"_180":177,"_181":182,"_183":133,"_186":1225,"_194":195,"_768":1227},{"_165":166,"_167":168},{},[1226],{"_54":189,"_190":191,"_192":193},{"_770":32,"_771":1228},[],{"_88":1207,"_1199":1230},{"_184":185,"_196":1209,"_163":1231,"_169":263,"_171":1232,"_174":265,"_176":265,"_762":1233,"_178":179,"_180":177,"_181":233,"_183":234,"_186":1234,"_194":271,"_768":1236},{"_165":261,"_167":262},"Advisor Use of Custom Model Portfolios Rises",{},[1235],{"_54":268,"_190":269,"_192":270},{"_770":32,"_771":1237},[],"dateDisplay","show","contributorDisplay","displayAd","adConfig",{"_1244":32},"nativeAdOption",{"_88":1246,"_981":1247,"_1199":1248},"module_newsletter_promo","blta6c28a4504323eb8",{"_112":1249,"_670":1250,"_1251":1247,"_671":1252,"_196":1253,"_1254":1255,"_1256":32,"_1257":1258},"Sign Up for Newsletters","Sign up to receive the latest insights, trends, and analysis.","newsletterId","Subscribe now","horizontal","mode","dark","isOnHomepage","moduleLocation","sidebar",{"_88":1260,"_1199":1261},"module_content_spotlight",{"_196":767,"_1254":1262,"_1263":1264,"_1265":1266,"_184":1267,"_176":471,"_1268":1269},"light","textAlignment","center","moduleDesign","standard","Document","content",{"_1270":1271,"_522":1272,"_1275":1276,"_1277":503,"_1278":503,"_1279":1280,"_172":1360,"_1361":1360,"_1362":1363,"_762":1366,"_174":1365,"_181":255,"_183":1367,"_178":1368,"_768":1369},"keywords",[],{"_56":1273,"_512":1274},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt22b65b64421af461/6737484822c13397ad2f1459/iStock-1187113662.jpg","iStock-1187113662.jpg","summary","Featured WMIQ Research","heading","mobileHeading","articleBody",[1281,1297,1303,1308,1313,1318,1350,1355],{"_88":1282,"_1283":1284,"_1268":1287},"paragraph","attrs",{"_1285":1286},"textAlign","left",[1288,1290],{"_88":1289},"hardBreak",{"_88":522,"_1283":1291},{"_1285":1286,"_165":1292,"_167":1293,"_112":-5,"_1294":1295},"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",{"_1296":1264},"float",{"_88":1282,"_1283":1298,"_1268":1299},{"_1285":1286},[1300],{"_88":1301,"_1301":1302},"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":1282,"_1283":1304,"_1268":1305},{"_1285":1286},[1306],{"_88":1301,"_1301":1307},"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":1282,"_1283":1309,"_1268":1310},{"_1285":1286},[1311],{"_88":1301,"_1301":1312},"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":1282,"_1283":1314,"_1268":1315},{"_1285":1286},[1316],{"_88":1301,"_1301":1317},"The report will touch on:",{"_88":1319,"_1268":1320},"bulletList",[1321,1329,1336,1343],{"_88":1322,"_1268":1323},"listItem",[1324],{"_88":1282,"_1283":1325,"_1268":1326},{"_1285":1286},[1327],{"_88":1301,"_1301":1328},"How volatility, technology, demographics and retirement income are creating new opportunities in wealth and retirement.",{"_88":1322,"_1268":1330},[1331],{"_88":1282,"_1283":1332,"_1268":1333},{"_1285":1286},[1334],{"_88":1301,"_1301":1335},"How defined contribution plans are presenting advisors with access to thousands of qualified prospects.",{"_88":1322,"_1268":1337},[1338],{"_88":1282,"_1283":1339,"_1268":1340},{"_1285":1286},[1341],{"_88":1301,"_1301":1342},"How M&A is quickly aligning retirement plan and wealth management capabilities to accelerate convergence.",{"_88":1322,"_1268":1344},[1345],{"_88":1282,"_1283":1346,"_1268":1347},{"_1285":1286},[1348],{"_88":1301,"_1301":1349},"How private equity is fueling convergence — and what could be coming next.",{"_88":1282,"_1283":1351,"_1268":1352},{"_1285":1286},[1353],{"_88":1301,"_1301":1354},"Download the report. ",{"_88":1282,"_1283":1356,"_1268":1357},{"_1285":1286},[1358],{"_88":1301,"_1301":1359}," ","Why convergence is coming and what it means.","body","callToAction",{"_1301":1364,"_56":1365},"Read more","/financial-planning/wealth-managers-and-rpa-advisors",{},"#","2023-02-02T23:36:00.000Z",{"_770":32,"_771":1370},[],{"_88":1372,"_1199":1373},"module_link_list",{"_1374":1375,"_1376":400,"_1377":1378,"_1379":177,"_1380":1381,"_525":32,"_1386":1387},"listOption","Dynamic","listTitle","icon","ChalkBoard","externalFeed","ctaButton",{"_1382":1383,"_1384":1385},"ctaButtonLink","/wealth-management-webinars ","ctaButtonText","View more","articles",[1388,1394,1396,1403],{"_184":256,"_112":307,"_56":308,"_1389":32,"_1390":311,"_1391":1392,"_1393":309,"_180":254},"isExternalLink","readTime","publishedDate","2025-02-26T22:06:21.000Z","eventDate",{"_184":256,"_112":249,"_56":251,"_1389":32,"_1390":258,"_1391":1395,"_1393":253,"_180":254},"2025-02-25T18:04:00.000Z",{"_184":256,"_112":1397,"_56":1398,"_1389":32,"_1390":1399,"_1391":1400,"_1393":1401,"_180":1402},"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,"_1389":32,"_1390":258,"_1391":1404,"_1393":1405,"_180":302},"2025-02-11T21:04:00.000Z","Mar 4, 2025",{"_88":1407,"_1199":1408},"module_event_promo",{"_112":1409,"_1410":1411,"_1412":177,"_1413":177,"_1414":24,"_1415":1416,"_1417":1418,"_178":1419,"_107":1420,"_1421":1422,"_1423":1424},"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":1426,"_1199":1427},"module_publication_promo",{"_112":1428,"_981":1429,"_1430":1431,"_1432":1411,"_1384":1433,"_1434":1435,"_1441":1442},"Trusts & Estates Magazine","blt529eec50cacc25f9","promoLabel","Latest Digital Edition","textPosition","Read More","promoPublication",{"_112":1436,"_1275":1437,"_522":1438,"_512":1439,"_56":1440},"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":1446,"_981":1447,"_1448":1449,"_1450":12},"topic","blt84c7ebf00492dba8","aid","768518","reg","schema",[1453],{"_1454":1455,"_1456":1457,"_1458":1459},"@context","https://schema.org","@type","BreadcrumbList","itemListElement",[1460,1464,1466],{"_1456":1461,"_1462":362,"_54":745,"_1463":10},"ListItem","position","item",{"_1456":1461,"_1462":271,"_54":273,"_1463":1465},"https://www.wealthmanagement.com/wealth-planning",{"_1456":1461,"_1462":195,"_54":280,"_1463":1467},"https://www.wealthmanagement.com/wealth-planning/financial-planning","seo",{"_1470":6,"_1471":1472,"_1473":1474,"_1475":32,"_1476":1477,"_13":14},"canonicalUrl","metaDescription","Explore the latest news and expert commentary on Financial Planning, brought to you by the editors of WealthManagement.com","metaTitle","Financial Planning recent news | WealthManagement.com","noIndex","imageUrl","https://www.wealthmanagement.com/assets/wealthmanagement-DDNDrftq.ico","gtm",{"_1480":1481},"loadEvent",{"_1482":1483,"_1487":1488,"_1490":1491},"attributes",{"_1468":1484},{"_1485":6,"_1486":32},"canonicalURL","hideFromSearchEngines","category",{"_1489":1446},"pageType","pageInfo",{"_1492":1447,"_1493":280,"_1494":1467},"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

Financial Planning

Latest news

Wealth Managers and RPA Advisors

Trusts & Estates Magazine

Trusts & Estates: February 2025 Digital Edition