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    font-size: 15px;
    line-height: 21px;
}

.td_block_padding.td-column-1 .td-block-span12:last-child .td_module_wrap {
    padding-bottom: 20px;
}

.sidebar-recommended .td-module-meta-info, .sidebar-featured-articles .td-module-meta-info, .td_block_widget .td_module_6 .td-module-meta-info {
    display: none;
}

.widget .wpp-list li {
    display: inline-block;
    padding-bottom: 20px;
    border-bottom: 1px solid #ddd;
    margin-bottom: 20px;
    width: 100%;
}

.widget .wpp-thumbnail {
    margin: 0 15px 0 0;
}

.widget .wpp-post-title {
    display: block;
}
.widget .wpp-list li p {
    display: none;
}
/***********Post - CONTENT**********/
.post header .entry-title {
    margin-bottom: 20px;
    font-size: 40px;
    line-height: 1.1em;
    font-weight: bold;
}

.post header .td-module-meta-info {
  display: inline-block;
}

.td-crumb-container,.single .td-category,
.post .td-post-author-name div, .post .td-post-author-name div,.post header .td-icon-views  {
  display:none;
}

.post .td-post-author-name {
  display: block;
  width: 100%;
  margin-bottom: 10px;
}

.post header .td-post-views span:before {
  content: url(/assets/static/post-viewsicon.png);
    position: relative;
    top: 3px;
}

.post header .td-post-views {
    float: left;
    margin-left: 10px;
}

.post header .td-post-views span {
  color: #f11e1e;
  font-size: 15px;
  vertical-align: middle;
}

.td-post-content {
    margin-top: 0;
}

.td-post-content p {
    font-family: Georgia,Times,sans-serif;
    font-size: 19px;    
}

.td-main-sidebar .td-module-meta-info {
  display: none;
}

.td-footer-wrapper .td_block_wrap {
    display: none;
}
.td-tags {
    width: 100%;
}

.td-tags li:first-child {
    display: block;
    width: 100%;
    text-align: left;
    margin-bottom: 20px;
    border-bottom: 1px solid #ddd;
    padding-bottom: 10px;
    font-size: 24px;
    text-transform: capitalize;
    color: #222;
    font-family: 'fakt-semibold', Helvetica, Arial, sans-serif;;
}

.td-tags span, .td-tags a {
    margin-right: 10px;
}

.td-post-source-tags .td-post-small-box span {
    background-color: transparent;
    padding: 10px 0;
    color: #222;
    height: auto;
}

.td-post-source-tags .td-post-small-box a {
    padding: 5px 8px;
    height: auto;
    color: #222;
    border: 1px solid #ddd;
    border-radius: 4px;
    font-size: 16px;
    line-height: 20px;
    font-family: 'fakt-normal', Helvetica, Arial, sans-serif;;
    font-weight: normal;
}
.td-post-source-tags .td-post-small-box a:hover {
    color: #fff;
    background-color: #185f7c;
}
.single .td-post-content h1 a {
    color: #196d8d;
}
.single .td-post-content blockquote p {
    font-family: Georgia,Times,sans-serif;
    font-size: 19px;
    text-transform: none;
    font-style: normal;
    text-align: left;
    color: #222;
}

/***********AUTHOR PAGE**********/

.author .td-page-title {
    font-size: 38px;
    line-height: 1.5;
    margin-bottom: 0;
    font-weight: bold;
}

.author .td_module_10 .entry-title {
  font-size: 24.5px;
}

.author .td-author-page {
  display: inline-block;
}

.td-author-counters, .td-excerpt {
  display: none;
}

.author-box-wrap {
    padding: 20px 20px 35px 20px;
    margin-bottom: 48px;
    margin-top: 40px;
    background: url('/assets/static/back_pattern_diagonal.jpg');
}

.author-box-wrap .desc {
    position: absolute;
    margin-left: 0;
    top: 35px;
    font-size: 15px;
    left: 25px;
}

/*.author-box-wrap .td-author-social {
    position: absolute;
    top: 112px;
    left: -142px;
}*/

.td-icon-mail-1:before {
    content: '\e820';
    font-size: x-large;
}

.author-box-wrap .td-social-icon-wrap .td-icon-font {
    color: #00709a;
    font-size: 14px;
    vertical-align: top;
    margin-right: 5px;
}

.author-box-wrap .td-social-icon-wrap .td-icon-mail-1 {
    font-size: 18px;
}

.author .td_module_16 .td-module-thumb {
    top: auto;
}

.author .td-ss-main-content .td_module_10 .td-module-thumb {
    position: relative;
    float: left;
}

.single .td-post-content div h3 {
    margin-top: 50px;   
    font-size: 25px;
    line-height: 32px;
    font-family: 'fakt-sm-semibold', Helvetica, Arial, sans-serif;;
}

.post footer {
    text-align: center;
}

.single .td-post-content .vapp_wrapper {
    text-align: right;  
}
.single .td-post-content .vapp_wrapper a, .td-post-content div{
    font-family: helvetica,sans-serif;
    font-size: 16px;
}
.page-nav a {
    background-color: #f5f5f5;
    border-radius: 4px;
    border: 1px solid #ccc;
    color: #333;
    text-shadow: 0 1px 1px rgba(255,255,255,0.75);
}

.page-nav a:last-child {
    margin-right: 0;    
}

.page-nav a:hover {
    background-color: #e6e6e6;
    border: 1px solid #ccc;
    color: #333;
    text-decoration: none;  
}

.page-nav:first-child > div, .page-nav .current {
    background-color: #00709a;
    border-radius: 4px;
    border: 1px solid #14516a;
}

.page-nav i {
    font-size: 15px;
    font-weight: bold;
    color: #00709a;
    vertical-align: middle;
}

/***************************TRENDING PAGE***************/
.wpp-list {
    margin-top: 0;
}


.trending-content-block li {
    padding-bottom: 20px;
    border-bottom: 1px solid #ddd;
    margin: 0 0 20px 0;

    display: inline-block;
    width: 100%;
}

.trending-content-block li > p, .page-template-default .wpb_text_column p:last-child {
    margin: 5px 0 0 0;
    display: block; 
}
.trending-content-block li p, .trending-content-block li p a {
    font-size: 15px;
    color: #444;
    font-weight: normal;
    font-family: 'fakt-normal', Helvetica, Arial, sans-serif;   
}


.trending-content-block li p span {
    margin-left: 10px;  
    display: inline-block;  
}

.trending-content-block li p span:before {
    content: url(/assets/static/post-date-icon.png);
    position: relative;
    top: 3px;
    margin-right: 5px;  
}
.trending-content-block .wpp-post-title {
    color: #222;
    font-family: 'fakt-semibold', Helvetica, Arial, sans-serif;;
    font-size: 25px;
    line-height: 30px;

    display: block;
}

.trending-content-block .wpp-list li > a:first-child {
    height: 150px;
    overflow: hidden;
    width: 218px;
    float: left;
    margin-right: 23px;
}

/*.trending-new .trending-content-block .wpp-thumbnail {
    margin: 0 45px 0 0;

    width: auto;
    margin: 0;
    height: 120%;
    max-width: none;
}*/

.wpp-author, .wpp-author a, .wpp-date {
    font-size: 15px;
    color: #444;
    font-weight: normal;
    font-family: 'fakt-normal', Helvetica, Arial, sans-serif;;
}

.wpp-date:before {
    content: url(/assets/static/post-date-icon.png);
    position: relative;
    top: 3px;
    margin-right: 5px;
}

/*********VIDEO PAGE*******/
.video-list .td-module-thumb:before {
    background: url(/assets/static/video_icon.png) no-repeat;
    display: inline-block;
    content: "";
    height: 50px;
    width: 50px;
    position: absolute;
    z-index: 1;
    left: 8px;
    top: 8px;
}

/*************ADVERTISE PAGE******************/
#advertise-list li {
    list-style: none;   
}
#advertise-list li img {
    width: 16px;
    vertical-align: middle;
    margin-right: 8px;
}
/********RESPONSIVE CSS FOR CONTENT************/

/********MOBILE*************/
@media (max-width: 767px){
#td-outer-wrap {
    overflow-x: hidden;
}

.td-main-page-wrap {
    padding: 20px 0;
}

.page .td-scroll-up {
    background-color: rgba(24, 95, 125, 0.6); /* make the button background transparent in mobile*/
}

.td_block_template_12 .td-block-title, .page-title {
    font-size: 21px;
    padding-bottom: 5px;
    margin-top: 30px;
}

.td_module_17 .entry-title {
    font-size: 18px;
    line-height: 23px;
}

.meta-info-container .td-module-meta-holder {
    padding: 10px 0;
    height: auto;
}

.td_module_17 .td-left-meta .td-post-author-name a, .td_module_17 .td-module-meta-holder,
.td-module-meta-info, .td-module-meta-info .td-post-author-name, .post header .td-post-author-name a,
.post header .td-post-views span, .widget .home-title-underline .wpp-list li p {
    font-size: 13px;
}

.td_module_wrap, .td-pb-span8 .td_module_10,
.td_block_22 .td_module_wrap:last-child, .td_block_11 .td-block-span12:last-child .td_module_wrap,
.td_block_padding .td-block-row:last-child > div:last-child .td_module_wrap,
.widget .wpp-list li, #trending-home .wpp-list li .td_module_10 {
    padding-bottom: 10px;
    margin-bottom: 15px;
}

.td_module_17 .td-module-image {
    margin-right: 0;
    margin-left: 0; 
}

.td_module_10 .td-module-thumb, .sidebar-recommended .td-module-thumb, .td_module_6 .td-module-thumb,
.widget .wpp-thumbnail, #trending-home .wpp-thumbnail {
    width: 75px;
}

.td_module_10 .item-details, .sidebar-recommended .item-details, .td_module_6 .item-details {
    margin-left: 85px;
    min-height: 50px;
}

.home-small-img-block .td_module_10 .entry-title, .home-2-column-block .td_module_wrap .entry-title,
.home-list-block .entry-title, .widget .home-title-underline .wpp-post-title, #trending-home .wpp-post-title {
    font-size: 18px;
    line-height: 21px;
}

.home-2-column-block {
    border-bottom: 0;
}

.home-2-column-block .td-module-thumb {
    margin-top: 10px;
}

.home-2-column-block .td-module-thumb img {
    margin-top: 0;
}

.home-2-column-block .td_module_wrap {
    margin-bottom: 15px;
}

.home-2-column-block .td-block-span6:nth-child(odd) {
    border-right: 0;    
}

.sidebar-recommended .entry-title, .td_module_6 .entry-title, .widget .wpp-post-title {
    font-size: 14px;
    line-height: 20px;
}

.sidebar-recommended .td-block-span12:last-child .td_module_wrap, .home-2-column-block .td-block-row:last-child .td_module_wrap  {
    margin-bottom: 15px;
    border-bottom: 1px solid #ddd;
}

.td_block_padding.td-column-1 .td-block-span12:last-child .td_module_wrap {
    padding-bottom: 10px;
}
.widget .home-title-underline .wpp-list li p span {
    margin-left: 0;
    display: block;
}

/****POST PAGE***/

.td-main-page-wrap, .td-main-content-wrap {
    padding: 20px 0;
}

.td-post-template-default .td-post-header header .entry-title {
    font-size: 30px;
    line-height: 36px;
}

.post header .entry-title {
    margin-bottom: 0;
}

.post .td-post-date {
    top: 0; 
}

.post .td-post-author-name {
    display: inline-block;
    width: auto;
    margin: 3px 5px 0 0;
}

.single .td-post-content div h3 {
    margin-top: 20px;
}

/*****AUTHOR PAGE*****/
.author .td-main-content-wrap .td-container {
    padding-top: 0;
}

.author .td-page-title {
    font-size: 22px;
    line-height: 40px;
}

.author-box-wrap .desc {
    left: 0;
    top: 25px;
}
.td-social-icon-wrap {
	margin: 0;
}

/******TRENDING PAGE*********/
.wpp-list {
    margin: 0;
}

.trending-content-block li {
    display: table;
    padding-bottom: 10px;
    margin-bottom: 15px;
}

.trending-content-block .wpp-post-title {
    display: table-header-group;
    font-size: 18px;
    line-height: 23px;
}

.trending-new .trending-content-block .wpp-thumbnail {
    width: 100%;
    height: auto;
}

.trending-content-block .wpp-list li > a:first-child {
    display: table-footer-group;
    height: auto;
    width: 100%;
    margin: 15px 0 0 0;
}

.wpp-author, .wpp-author a, .wpp-date {
    font-size: 13px;
}

/*********VIDEO PAGE*******/
.video-list .td-module-thumb:before {
    left: 2px;
    top: 2px;
    background-size: 30%;
}

/*****SIDEBAR******/
.widget .wpp-thumbnail {
    margin: 0 10px 0 0;
}


}
/********TABLET*************/
@media (min-width: 768px) and (max-width: 1018px) {
.ubermenu .ubermenu-item-level-1 .ubermenu-image {
    min-height: 200px !important;
    max-width: 120% !important;
}
.ubermenu .ubermenu-item-level-1 .ubermenu-target {
    height: 260px !important;
}
.td-pb-span8 {
   width: 60.66666667%;
}

.td-pb-span4 {
    width: 39.33333333%;
}

.td-main-page-wrap {
    padding: 20px 0;
}

.td_module_wrap, .td_block_padding.td-column-1 .td-block-span12:last-child .td_module_wrap {
    padding-bottom: 10px;
    margin-bottom: 15px;
}

.td_block_wrap {
    margin-bottom: 10px;
}

.td-pb-span8 .td_module_10 .td-post-author-name {
    display: block;
}
.meta-info-container .td-module-meta-holder {
    padding-top: 10px;
    height: 35px;
    font-size: 13px;
}

.td_block_22 .td_module_wrap:last-child {
    padding-top: 0;
    padding-bottom: 10px;
}

.td_module_17 .entry-title {
    font-size: 30px;
    line-height: 34px;
}

.td-pb-span8 .td_module_10 .entry-title, .widget .home-title-underline .wpp-post-title, #trending-home .wpp-post-title {
    font-size: 21px;
    line-height: 25px;
}

.home-small-img-block .td_module_wrap, .td_block_11 .td-block-span12:last-child .td_module_wrap,
#trending-home .wpp-list li .td_module_10 {
    padding-bottom: 20px;
    margin-bottom: 15px;    
}

.home-2-column-block .td-module-thumb {
    margin-top: -20px;
    min-height: 148px;  
}

.sidebar-recommended .td_module_6 .entry-title, .td_module_6 .entry-title, .widget .wpp-post-title {
    font-size: 14px;
}

.sidebar-recommended .td-block-span12:last-child .td_module_wrap, .sidebar-featured-articles .td_module_wrap {
    padding-bottom: 10px;
    border-bottom: 1px solid #ddd;
}
.widget .wpp-thumbnail, #trending-home .wpp-thumbnail {
    max-width: 190px;
}
.td-post-date {
margin-left: 0;
}
/*****POST PAGE****/
.single .td-post-content div h3 {
    margin-top: 30px;
}

.td-ss-main-content > div:nth-child(4) {
    margin-top: 50px;
}

/*****TRENDING PAGE******/

.trending-content-block .wpp-post-title {
    font-size: 21px;
    line-height: 25px;
}

.trending-content-block .wpp-list li > a:first-child {
    width: 190px;
    height: 143px;
}
/************AUTHOR PAGE *********/
.author-box-wrap .desc {
	left: 15px;
}
}


/********LAPTOP*************/
@media (min-width: 1019px) and (max-width: 1140px) {
    .ubermenu .ubermenu-item-level-1 .ubermenu-image {
        max-width: 150%;
    }
}

@media (min-width: 1280px) {
    .td-container {
        width: 1230px;
    }   
}


/* Fix issue of header logo and link rendering issue */
.td-header-row [class*="td-header-sp"] {
float: right;
}
.search-box {
display:none;
}

/* Style image caption */
.image-caption-label,
.image-source-label{
    display:none;
}
.image-caption-value,
.image-source-value{
    display:inline;
    margin-left: 0;
}
.image-caption-value{
    font-weight: bold;
}
.image-source-value{
    color: #888888;
    font-size: 80%;
}
dl[type="image"]{
    margin: 10px 0 20px 0;
}

/* Remove additional spacing after author comma*/
header .td-post-author-name a {
    margin-right: 0px;
}

/* Added css to fix images in popular posts */
div.textwidget ul.wpp-list li a:first-child{height: 70px;display: block;overflow: hidden;float: left;}

/* Added CSS to fix social feeds widget */
.cnwidget.cnvw {
    margin-left: 0px !important;
    width: auto !important;   
}
.cnheader-small{
 margin-bottom: 15px !important;
}

/* Added CSS to fix trending alignment issue in mobile */
@media (max-width: 767px) {
	.trending-content-block .wpp-list {
		margin-bottom: 0px !important;
	}
	
	.trending-content-block li {
		display: inline-block;
	}
	
	.trending-content-block .wpp-list li > a:first-child {
		display: block;
		margin: 0 0 13px 0;
		min-height: 50px;
		width: 75px;
	}
	
	.trending-content-block .wpp-post-title {
		display: block;
		font-size: 18px;
		line-height: 21px;
		margin-left: 85px;
	}
	
	.trending-content-block li p {
		font-size: 13px;
		margin-left: 85px !important;
	}

	.trending-content-block li p a {
		font-size: 13px;
	}
	
	.trending-content-block li p span {
		margin-bottom: 0px !important;
	}
}

/* image caption style that follow US */
.caption-source{line-height: 26px;}
.caption-source .source a {
	color: #888888 !important;
	font-size: 80%;
	margin-left: 5px;
}
.caption-source .caption {
	font-weight: bold;
	font-size: 16px;
	display: inline;
}
.caption-source .source, .source-only.source, .source-only .source{    
	color: #888888 !important;
	font-size: 80%;
	margin-left: 5px;
}
</style>


<style>
#the_mediaoutreach_content p{
    margin-bottom:0;
}

</style><!-- GRAPESHOT channel tag -->
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  .addSize([740, 0], [728, 90])
  .addSize([480, 0], [320, 50])
  .addSize([0, 0], [320, 50])
  .build();
googletag.defineSlot("/5908/BI_MY/lb1/finance", [728, 90], "dfp-ad-lb1")
  .addService(googletag.pubads()).setTargeting("bimytags", ["allstate","berkshire-hathaway","harvey-2017","harvey-updates","hurricane-harvey","hurricane-harvey-2017","insurance","markets","morgan-stanley","progressive","state-farm","travellers","tropical-storm-harvey","tropical-storm-harvey-2017"]).setTargeting("bimyarticleid", "425042").setTargeting(key, keycode).defineSizeMapping(mapping);
googletag.defineSlot("/5908/BI_MY/imu1/finance", [[300, 250], "fluid"],"dfp-ad-imu1")
  .addService(googletag.pubads()).setTargeting("bimytags", ["allstate","berkshire-hathaway","harvey-2017","harvey-updates","hurricane-harvey","hurricane-harvey-2017","insurance","markets","morgan-stanley","progressive","state-farm","travellers","tropical-storm-harvey","tropical-storm-harvey-2017"]).setTargeting("bimyarticleid", "425042").setTargeting(key, keycode);
googletag.defineSlot("/5908/BI_MY/imu2/finance", [[300, 250], [300, 600]],"dfp-ad-imu2")
  .addService(googletag.pubads()).setTargeting("bimytags", ["allstate","berkshire-hathaway","harvey-2017","harvey-updates","hurricane-harvey","hurricane-harvey-2017","insurance","markets","morgan-stanley","progressive","state-farm","travellers","tropical-storm-harvey","tropical-storm-harvey-2017"]).setTargeting("bimyarticleid", "425042").setTargeting(key, keycode);
googletag.defineSlot("/5908/BI_MY/topoverlay/finance", [1, 1],"dfp-ad-topoverlay")
  .addService(googletag.pubads()).setTargeting("bimytags", ["allstate","berkshire-hathaway","harvey-2017","harvey-updates","hurricane-harvey","hurricane-harvey-2017","insurance","markets","morgan-stanley","progressive","state-farm","travellers","tropical-storm-harvey","tropical-storm-harvey-2017"]).setTargeting("bimyarticleid", "425042").setTargeting(key, keycode).setTargeting("referrer", tarref);
googletag.defineSlot("/5908/BI_MY/midarticlespecial/finance", [[1, 1],"fluid"],"dfp-ad-midarticlespecial")
  .addService(googletag.pubads()).setTargeting("bimytags", ["allstate","berkshire-hathaway","harvey-2017","harvey-updates","hurricane-harvey","hurricane-harvey-2017","insurance","markets","morgan-stanley","progressive","state-farm","travellers","tropical-storm-harvey","tropical-storm-harvey-2017"]).setTargeting("bimyarticleid", "425042").setTargeting(key, keycode);


googletag.cmd.push(function() {
  googletag.pubads().enableAsyncRendering();
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});

       if(isArticlePage) {
          googletag.pubads().setTargeting('gs_channels', gs_channels);
          var gsMetaTag = document.createElement('meta');
          gsMetaTag.id = 'grapeshot';
          gsMetaTag.name = 'grapeshot_tag';
          gsMetaTag.content = gs_channels;
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    googletag.pubads().enableSingleRequest();
    googletag.enableServices();
	
    googletag.cmd.push(function() {
    googletag.pubads().setTargeting('dfp_cc_id', window.lotameid);
});

  });
</script>
<style id="ubermenu-custom-generated-css">
/** UberMenu Responsive Styles (Breakpoint Setting) **/
@media screen and (min-width: 768px){
  .ubermenu{ display:block !important; } .ubermenu-responsive .ubermenu-item.ubermenu-hide-desktop{ display:none !important; } .ubermenu-responsive.ubermenu-retractors-responsive .ubermenu-retractor-mobile{ display:none; }   /* Force current submenu always open but below others */ .ubermenu-force-current-submenu .ubermenu-item-level-0.ubermenu-current-menu-item > .ubermenu-submenu-drop, .ubermenu-force-current-submenu .ubermenu-item-level-0.ubermenu-current-menu-ancestor > .ubermenu-submenu-drop {     display: block!important;     opacity: 1!important;     visibility: visible!important;     margin: 0!important;     top: auto!important;     height: auto;     z-index:19; }   /* Invert Horizontal menu to make subs go up */ .ubermenu-invert.ubermenu-horizontal .ubermenu-item-level-0 > .ubermenu-submenu-drop{      top:auto;      bottom:100%; } .ubermenu-invert.ubermenu-horizontal.ubermenu-sub-indicators .ubermenu-item-level-0.ubermenu-has-submenu-drop > .ubermenu-target:after{      content:"\f106"; } /* Make second level flyouts fly up */ .ubermenu-invert.ubermenu-horizontal .ubermenu-submenu .ubermenu-item.ubermenu-active > .ubermenu-submenu-type-flyout{     top:auto;     bottom:0; } /* Clip the submenus properly when inverted */ .ubermenu-invert.ubermenu-horizontal .ubermenu-item-level-0 > .ubermenu-submenu-drop{     clip: rect(-5000px,5000px,auto,-5000px); }    /* Invert Vertical menu to make subs go left */ .ubermenu-invert.ubermenu-vertical .ubermenu-item-level-0 > .ubermenu-submenu-drop{   right:100%;   left:auto; } .ubermenu-invert.ubermenu-vertical.ubermenu-sub-indicators .ubermenu-item-level-0.ubermenu-item-has-children > a.ubermenu-target:after{   right:auto;   left:10px;   margin-top:-7px;   content:"\f104"; } .ubermenu-vertical.ubermenu-invert .ubermenu-item > .ubermenu-submenu-drop {   clip: rect(-5000px,5000px,5000px,-5000px); } .ubermenu-responsive-toggle{ display:none; }
}
@media screen and (max-width: 767px){
   .ubermenu-responsive-toggle, .ubermenu-sticky-toggle-wrapper { display: block; }  .ubermenu-responsive{ width:100%; max-height:500px; visibility:visible; overflow:visible;  -webkit-transition:max-height 1s ease-in; transition:max-height .3s ease-in; } .ubermenu-responsive.ubermenu-items-align-center{     text-align:left; } .ubermenu-responsive.ubermenu{ margin:0; } .ubermenu-responsive.ubermenu .ubermenu-nav{ display:block; }  .ubermenu-responsive.ubermenu-responsive-nocollapse, .ubermenu-repsonsive.ubermenu-no-transitions{ display:block; max-height:none; }  .ubermenu-responsive.ubermenu-responsive-collapse{ max-height:none; visibility:visible; overflow:visible; } .ubermenu-responsive.ubermenu-responsive-collapse{ max-height:0; overflow:hidden !important; visibility:hidden; } .ubermenu-responsive.ubermenu-in-transition, .ubermenu-responsive.ubermenu-in-transition .ubermenu-nav{ overflow:hidden !important; visibility:visible; } .ubermenu-responsive.ubermenu-responsive-collapse:not(.ubermenu-in-transition){ border-top-width:0; border-bottom-width:0; } .ubermenu-responsive.ubermenu-responsive-collapse .ubermenu-item .ubermenu-submenu{ display:none; }  .ubermenu-responsive .ubermenu-item-level-0{ width:50%; } .ubermenu-responsive.ubermenu-responsive-single-column .ubermenu-item-level-0{ float:none; clear:both; width:100%; } .ubermenu-responsive .ubermenu-item.ubermenu-item-level-0 > .ubermenu-target{ border:none; box-shadow:none; } .ubermenu-responsive .ubermenu-item.ubermenu-has-submenu-flyout{ position:static; } .ubermenu-responsive.ubermenu-sub-indicators .ubermenu-submenu-type-flyout .ubermenu-has-submenu-drop > .ubermenu-target:after{ content:"\f107"; }  .ubermenu-responsive .ubermenu-nav .ubermenu-item .ubermenu-submenu.ubermenu-submenu-drop{ width:100%; min-width:100%; max-width:100%; top:auto; left:0 !important; } .ubermenu-responsive.ubermenu-has-border .ubermenu-nav .ubermenu-item .ubermenu-submenu.ubermenu-submenu-drop{ left: -1px !important; /* For borders */ } .ubermenu-responsive .ubermenu-submenu.ubermenu-submenu-type-mega > .ubermenu-item.ubermenu-column{ min-height:0; border-left:none;  float:left; /* override left/center/right content alignment */ display:block; } .ubermenu-responsive .ubermenu-item.ubermenu-active > .ubermenu-submenu.ubermenu-submenu-type-mega{     max-height:none;     height:auto;/*prevent overflow scrolling since android is still finicky*/     overflow:visible; } .ubermenu-responsive.ubermenu-transition-slide .ubermenu-item.ubermenu-in-transition > .ubermenu-submenu-drop{ max-height:1000px; /* because of slide transition */ } .ubermenu .ubermenu-submenu-type-flyout .ubermenu-submenu-type-mega{ min-height:0; } .ubermenu.ubermenu-responsive .ubermenu-column, .ubermenu.ubermenu-responsive .ubermenu-column-auto{ min-width:50%; } .ubermenu.ubermenu-responsive .ubermenu-autoclear > .ubermenu-column{ clear:none; } .ubermenu.ubermenu-responsive .ubermenu-column:nth-of-type(2n+1){ clear:both; } .ubermenu.ubermenu-responsive .ubermenu-submenu-retractor-top:not(.ubermenu-submenu-retractor-top-2) .ubermenu-column:nth-of-type(2n+1){ clear:none; } .ubermenu.ubermenu-responsive .ubermenu-submenu-retractor-top:not(.ubermenu-submenu-retractor-top-2) .ubermenu-column:nth-of-type(2n+2){ clear:both; }  .ubermenu-responsive-single-column-subs .ubermenu-submenu .ubermenu-item { float: none; clear: both; width: 100%; min-width: 100%; }   .ubermenu.ubermenu-responsive .ubermenu-tabs, .ubermenu.ubermenu-responsive .ubermenu-tabs-group, .ubermenu.ubermenu-responsive .ubermenu-tab, .ubermenu.ubermenu-responsive .ubermenu-tab-content-panel{ /** TABS SHOULD BE 100%  ACCORDION */ width:100%; min-width:100%; max-width:100%; left:0; } .ubermenu.ubermenu-responsive .ubermenu-tabs, .ubermenu.ubermenu-responsive .ubermenu-tab-content-panel{ min-height:0 !important;/* Override Inline Style from JS */ } .ubermenu.ubermenu-responsive .ubermenu-tabs{ z-index:15; } .ubermenu.ubermenu-responsive .ubermenu-tab-content-panel{ z-index:20; } /* Tab Layering */ .ubermenu-responsive .ubermenu-tab{ position:relative; } .ubermenu-responsive .ubermenu-tab.ubermenu-active{ position:relative; z-index:20; } .ubermenu-responsive .ubermenu-tab > .ubermenu-target{ border-width:0 0 1px 0; } .ubermenu-responsive.ubermenu-sub-indicators .ubermenu-tabs > .ubermenu-tabs-group > .ubermenu-tab.ubermenu-has-submenu-drop > .ubermenu-target:after{ content:"\f107"; }  .ubermenu-responsive .ubermenu-tabs > .ubermenu-tabs-group > .ubermenu-tab > .ubermenu-tab-content-panel{ top:auto; border-width:1px; } .ubermenu-responsive .ubermenu-tab-layout-bottom > .ubermenu-tabs-group{ /*position:relative;*/ }   .ubermenu-reponsive .ubermenu-item-level-0 > .ubermenu-submenu-type-stack{ /* Top Level Stack Columns */ position:relative; }  .ubermenu-responsive .ubermenu-submenu-type-stack .ubermenu-column, .ubermenu-responsive .ubermenu-submenu-type-stack .ubermenu-column-auto{ /* Stack Columns */ width:100%; max-width:100%; }   .ubermenu-responsive .ubermenu-item-mini{ /* Mini items */ min-width:0; width:auto; float:left; clear:none !important; } .ubermenu-responsive .ubermenu-item.ubermenu-item-mini > a.ubermenu-target{ padding-left:20px; padding-right:20px; }   .ubermenu-responsive .ubermenu-item.ubermenu-hide-mobile{ /* Hiding items */ display:none !important; }  .ubermenu-responsive.ubermenu-hide-bkgs .ubermenu-submenu.ubermenu-submenu-bkg-img{ /** Hide Background Images in Submenu */ background-image:none; } .ubermenu.ubermenu-responsive .ubermenu-item-level-0.ubermenu-item-mini{ min-width:0; width:auto; } .ubermenu-vertical .ubermenu-item.ubermenu-item-level-0{ width:100%; } .ubermenu-vertical.ubermenu-sub-indicators .ubermenu-item-level-0.ubermenu-item-has-children > .ubermenu-target:after{ content:'\f107'; } .ubermenu-vertical .ubermenu-item.ubermenu-item-level-0.ubermenu-relative.ubermenu-active > .ubermenu-submenu-drop.ubermenu-submenu-align-vertical_parent_item{     top:auto; } .ubermenu-responsive-toggle{ display:block; }
}
@media screen and (max-width: 480px){
  .ubermenu.ubermenu-responsive .ubermenu-item-level-0{ width:100%; } .ubermenu.ubermenu-responsive .ubermenu-column, .ubermenu.ubermenu-responsive .ubermenu-column-auto{ min-width:100%; } 
}


/** UberMenu Custom Menu Styles (Customizer) **/
/* main */
.ubermenu.ubermenu-main:not(.ubermenu-responsive-collapse) { max-height:700px; }
.ubermenu-main { background-color:#185f7d; background:-webkit-gradient(linear,left top,left bottom,from(#185f7d),to(#185f7d)); background:-webkit-linear-gradient(top,#185f7d,#185f7d); background:-moz-linear-gradient(top,#185f7d,#185f7d); background:-ms-linear-gradient(top,#185f7d,#185f7d); background:-o-linear-gradient(top,#185f7d,#185f7d); background:linear-gradient(top,#185f7d,#185f7d); }
.ubermenu-main.ubermenu-transition-fade .ubermenu-item .ubermenu-submenu-drop { margin-top:0; }
.ubermenu-main .ubermenu-item-level-0 > .ubermenu-target { font-size:15px; text-transform:none; color:#ffffff; border-left:1px solid #14516a; -webkit-box-shadow:inset 1px 0 0 0 rgba(255,255,255,0); -moz-box-shadow:inset 1px 0 0 0 rgba(255,255,255,0); -o-box-shadow:inset 1px 0 0 0 rgba(255,255,255,0); box-shadow:inset 1px 0 0 0 rgba(255,255,255,0); }
.ubermenu-main .ubermenu-nav .ubermenu-item.ubermenu-item-level-0 > .ubermenu-target { font-weight:normal; }
.ubermenu.ubermenu-main .ubermenu-item-level-0:hover > .ubermenu-target, .ubermenu-main .ubermenu-item-level-0.ubermenu-active > .ubermenu-target { color:#ffffff; background-color:#003341; background:-webkit-gradient(linear,left top,left bottom,from(#003341),to(#003341)); background:-webkit-linear-gradient(top,#003341,#003341); background:-moz-linear-gradient(top,#003341,#003341); background:-ms-linear-gradient(top,#003341,#003341); background:-o-linear-gradient(top,#003341,#003341); background:linear-gradient(top,#003341,#003341); }
.ubermenu-main .ubermenu-item-level-0.ubermenu-current-menu-item > .ubermenu-target, .ubermenu-main .ubermenu-item-level-0.ubermenu-current-menu-parent > .ubermenu-target, .ubermenu-main .ubermenu-item-level-0.ubermenu-current-menu-ancestor > .ubermenu-target { color:#ffffff; background-color:#003341; background:-webkit-gradient(linear,left top,left bottom,from(#003341),to(#003341)); background:-webkit-linear-gradient(top,#003341,#003341); background:-moz-linear-gradient(top,#003341,#003341); background:-ms-linear-gradient(top,#003341,#003341); background:-o-linear-gradient(top,#003341,#003341); background:linear-gradient(top,#003341,#003341); }
.ubermenu-main .ubermenu-item.ubermenu-item-level-0 > .ubermenu-highlight { color:#ffffff; background-color:#003341; background:-webkit-gradient(linear,left top,left bottom,from(#003341),to(#003341)); background:-webkit-linear-gradient(top,#003341,#003341); background:-moz-linear-gradient(top,#003341,#003341); background:-ms-linear-gradient(top,#003341,#003341); background:-o-linear-gradient(top,#003341,#003341); background:linear-gradient(top,#003341,#003341); }
.ubermenu-main .ubermenu-item-level-0.ubermenu-active > .ubermenu-target,.ubermenu-main .ubermenu-item-level-0:hover > .ubermenu-target { -webkit-box-shadow:inset 1px 0 0 0 rgba(255,255,255,0); -moz-box-shadow:inset 1px 0 0 0 rgba(255,255,255,0); -o-box-shadow:inset 1px 0 0 0 rgba(255,255,255,0); box-shadow:inset 1px 0 0 0 rgba(255,255,255,0); }
.ubermenu-main .ubermenu-submenu.ubermenu-submenu-drop { background-color:#ffffff; }
.ubermenu-main .ubermenu-item-level-0 > .ubermenu-submenu-drop { box-shadow:none; }
.ubermenu-main .ubermenu-submenu .ubermenu-highlight { color:#000000; }
.ubermenu.ubermenu-main .ubermenu-tabs .ubermenu-tabs-group { background-color:#ffffff; }
.ubermenu.ubermenu-main .ubermenu-tab > .ubermenu-target { color:#185f7d; }
.ubermenu.ubermenu-main .ubermenu-submenu .ubermenu-tab.ubermenu-active > .ubermenu-target { color:#000000; }
.ubermenu.ubermenu-main .ubermenu-tab-content-panel { background-color:#ffffff; }
.ubermenu-responsive-toggle.ubermenu-responsive-toggle-main { background:#185f7d; }


/** UberMenu Custom Menu Item Styles (Menu Item Settings) **/
/* 61611 */ .ubermenu .ubermenu-item.ubermenu-item-61611 > .ubermenu-target,.ubermenu .ubermenu-item.ubermenu-item-61611 > .ubermenu-content-block,.ubermenu .ubermenu-item.ubermenu-item-61611.ubermenu-custom-content-padded { padding:15px 0px; }
/* 61614 */ .ubermenu .ubermenu-item.ubermenu-item-61614 > .ubermenu-target,.ubermenu .ubermenu-item.ubermenu-item-61614 > .ubermenu-content-block,.ubermenu .ubermenu-item.ubermenu-item-61614.ubermenu-custom-content-padded { padding:15px 0px; }
/* 61616 */ .ubermenu .ubermenu-item.ubermenu-item-61616 > .ubermenu-target,.ubermenu .ubermenu-item.ubermenu-item-61616 > .ubermenu-content-block,.ubermenu .ubermenu-item.ubermenu-item-61616.ubermenu-custom-content-padded { padding:15px 0px; }
/* 61618 */ .ubermenu .ubermenu-item.ubermenu-item-61618 > .ubermenu-target,.ubermenu .ubermenu-item.ubermenu-item-61618 > .ubermenu-content-block,.ubermenu .ubermenu-item.ubermenu-item-61618.ubermenu-custom-content-padded { padding:15px 0px; }
/* 61620 */ .ubermenu .ubermenu-item.ubermenu-item-61620 > .ubermenu-target,.ubermenu .ubermenu-item.ubermenu-item-61620 > .ubermenu-content-block,.ubermenu .ubermenu-item.ubermenu-item-61620.ubermenu-custom-content-padded { padding:15px 0px; }
/* 61622 */ .ubermenu .ubermenu-item.ubermenu-item-61622 > .ubermenu-target,.ubermenu .ubermenu-item.ubermenu-item-61622 > .ubermenu-content-block,.ubermenu .ubermenu-item.ubermenu-item-61622.ubermenu-custom-content-padded { padding:15px 0px; }


/** UberMenu Custom Tweaks - Mobile **/
@media screen and (max-width:767px){
.ubermenu-main .ubermenu-nav .ubermenu-item.ubermenu-item-level-0 > .ubermenu-target {
border-top: 0;
}
.td-header-style-13 .td-header-menu-wrap {
    background-color: #185f7d !important;
}
}

/** UberMenu Custom Tweaks - Desktop **/
@media screen and (min-width:768px){
.ubermenu .ubermenu-submenu .ubermenu-item .ubermenu-target {
padding: 0 0 15px 0;
}

.ubermenu-main .ubermenu-item-level-0 > .ubermenu-submenu-drop {
    box-shadow: 0px 3px 1px #ddd;
    width: 100vw;
    position:absolute;
    left: 50%;
    transform: translate(-50%, 0);
}
.ubermenu-submenu .ubermenu-target-title, .ubermenu .wpp-post-title {
    font-family: 'fakt-semibold';
    font-size: 18px;
    line-height: 24px;
    text-align: center;
    color: #222;
}
.ubermenu .wpp-list li > a img {
    margin-bottom: 10px;
}
.ubermenu .wpp-list li.ubermenu-item {
	text-align: center !important;
	margin-bottom: 10px;
}
.ubermenu .wpp-thumbnail {
	float: none;
}
.ubermenu-item:nth-child(8) .ubermenu-target-with-image:before {
    background: url(/assets/static/video_icon.png) no-repeat;
    display: inline-block;
    content: "";
    height: 50px;
    width: 50px;
    position: absolute;
    z-index: 12;
    left: 7%;
    top: 20px;
}

.ubermenu .ubermenu-item-level-1 .ubermenu-target{
	padding: 0;
	margin: 0;
	overflow:hidden;
        height:325px;
}
.ubermenu .ubermenu-item-level-1 .ubermenu-image {
	height: auto;
	width: auto !important;
	max-width:300%; 
    min-height: 270px;
    /*min-height: 240px;
    max-height: 280px;*/
    min-width: 100%;
	left: 50%;
	position: relative;
   transform: translateX(-50%);
    -ms-transform: translateX(-50%);
    -webkit-transform: translateX(-50%);
}
.ubermenu .ubermenu-item-level-1 .ubermenu-target-title{
        background:white;
        position:absolute;
        /*bottom:10px;*/
        bottom:0px;
        height:60px;
        z-index:9999;
        width:100%;
        border:none;
        padding: 10px 10px 0 10px;
        overflow:hidden;
        line-height: 25px;
}
}
/* Status: Loaded from Transient */

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    		<style type="text/css">.recentcomments a{display:inline !important;padding:0 !important;margin:0 !important;}</style>
		<meta name="generator" content="Powered by WPBakery Page Builder - drag and drop page builder for WordPress."/>
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                set: function (resource_id, cachedData) {
                    tdLocalCache.remove(resource_id);
                    tdLocalCache.data[resource_id] = cachedData;
                }
            };
        })();

    
    
var td_viewport_interval_list=[{"limitBottom":767,"sidebarWidth":228},{"limitBottom":1018,"sidebarWidth":300},{"limitBottom":1140,"sidebarWidth":324}];
var td_animation_stack_effect="type0";
var tds_animation_stack=true;
var td_animation_stack_specific_selectors=".entry-thumb, img";
var td_animation_stack_general_selectors=".td-animation-stack img, .td-animation-stack .entry-thumb, .post img";
var tds_general_modal_image="yes";
var td_ajax_url="http:\/\/www.businessinsider.my\/wp-admin\/admin-ajax.php?td_theme_name=Newspaper&v=7.8";
var td_get_template_directory_uri="http:\/\/www.businessinsider.my\/wp-content\/themes\/Newspaper";
var tds_snap_menu="";
var tds_logo_on_sticky="show_header_logo";
var tds_header_style="13";
var td_please_wait="Please wait...";
var td_email_user_pass_incorrect="User or password incorrect!";
var td_email_user_incorrect="Email or username incorrect!";
var td_email_incorrect="Email incorrect!";
var tds_more_articles_on_post_enable="";
var tds_more_articles_on_post_time_to_wait="";
var tds_more_articles_on_post_pages_distance_from_top=700;
var tds_theme_color_site_wide="#185f7d";
var tds_smart_sidebar="";
var tdThemeName="Newspaper";
var td_magnific_popup_translation_tPrev="Previous (Left arrow key)";
var td_magnific_popup_translation_tNext="Next (Right arrow key)";
var td_magnific_popup_translation_tCounter="%curr% of %total%";
var td_magnific_popup_translation_ajax_tError="The content from %url% could not be loaded.";
var td_magnific_popup_translation_image_tError="The image #%curr% could not be loaded.";
var td_ad_background_click_link="";
var td_ad_background_click_target="";
</script>


<!-- Header style compiled by theme -->

<style>
    
.td-header-wrap .black-menu .sf-menu > .current-menu-item > a,
    .td-header-wrap .black-menu .sf-menu > .current-menu-ancestor > a,
    .td-header-wrap .black-menu .sf-menu > .current-category-ancestor > a,
    .td-header-wrap .black-menu .sf-menu > li > a:hover,
    .td-header-wrap .black-menu .sf-menu > .sfHover > a,
    .td-header-style-12 .td-header-menu-wrap-full,
    .sf-menu > .current-menu-item > a:after,
    .sf-menu > .current-menu-ancestor > a:after,
    .sf-menu > .current-category-ancestor > a:after,
    .sf-menu > li:hover > a:after,
    .sf-menu > .sfHover > a:after,
    .td-header-style-12 .td-affix,
    .header-search-wrap .td-drop-down-search:after,
    .header-search-wrap .td-drop-down-search .btn:hover,
    input[type=submit]:hover,
    .td-read-more a,
    .td-post-category:hover,
    .td-grid-style-1.td-hover-1 .td-big-grid-post:hover .td-post-category,
    .td-grid-style-5.td-hover-1 .td-big-grid-post:hover .td-post-category,
    .td_top_authors .td-active .td-author-post-count,
    .td_top_authors .td-active .td-author-comments-count,
    .td_top_authors .td_mod_wrap:hover .td-author-post-count,
    .td_top_authors .td_mod_wrap:hover .td-author-comments-count,
    .td-404-sub-sub-title a:hover,
    .td-search-form-widget .wpb_button:hover,
    .td-rating-bar-wrap div,
    .td_category_template_3 .td-current-sub-category,
    .dropcap,
    .td_wrapper_video_playlist .td_video_controls_playlist_wrapper,
    .wpb_default,
    .wpb_default:hover,
    .td-left-smart-list:hover,
    .td-right-smart-list:hover,
    .woocommerce-checkout .woocommerce input.button:hover,
    .woocommerce-page .woocommerce a.button:hover,
    .woocommerce-account div.woocommerce .button:hover,
    #bbpress-forums button:hover,
    .bbp_widget_login .button:hover,
    .td-footer-wrapper .td-post-category,
    .td-footer-wrapper .widget_product_search input[type="submit"]:hover,
    .woocommerce .product a.button:hover,
    .woocommerce .product #respond input#submit:hover,
    .woocommerce .checkout input#place_order:hover,
    .woocommerce .woocommerce.widget .button:hover,
    .single-product .product .summary .cart .button:hover,
    .woocommerce-cart .woocommerce table.cart .button:hover,
    .woocommerce-cart .woocommerce .shipping-calculator-form .button:hover,
    .td-next-prev-wrap a:hover,
    .td-load-more-wrap a:hover,
    .td-post-small-box a:hover,
    .page-nav .current,
    .page-nav:first-child > div,
    .td_category_template_8 .td-category-header .td-category a.td-current-sub-category,
    .td_category_template_4 .td-category-siblings .td-category a:hover,
    #bbpress-forums .bbp-pagination .current,
    #bbpress-forums #bbp-single-user-details #bbp-user-navigation li.current a,
    .td-theme-slider:hover .slide-meta-cat a,
    a.vc_btn-black:hover,
    .td-trending-now-wrapper:hover .td-trending-now-title,
    .td-scroll-up,
    .td-smart-list-button:hover,
    .td-weather-information:before,
    .td-weather-week:before,
    .td_block_exchange .td-exchange-header:before,
    .td_block_big_grid_9.td-grid-style-1 .td-post-category,
    .td_block_big_grid_9.td-grid-style-5 .td-post-category,
    .td-grid-style-6.td-hover-1 .td-module-thumb:after,
    .td-pulldown-syle-2 .td-subcat-dropdown ul:after,
    .td_block_template_9 .td-block-title:after,
    .td_block_template_15 .td-block-title:before {
        background-color: #185f7d;
    }

    .global-block-template-4 .td-related-title .td-cur-simple-item:before {
        border-color: #185f7d transparent transparent transparent !important;
    }

    .woocommerce .woocommerce-message .button:hover,
    .woocommerce .woocommerce-error .button:hover,
    .woocommerce .woocommerce-info .button:hover,
    .global-block-template-4 .td-related-title .td-cur-simple-item,
    .global-block-template-3 .td-related-title .td-cur-simple-item,
    .global-block-template-9 .td-related-title:after {
        background-color: #185f7d !important;
    }

    .woocommerce .product .onsale,
    .woocommerce.widget .ui-slider .ui-slider-handle {
        background: none #185f7d;
    }

    .woocommerce.widget.widget_layered_nav_filters ul li a {
        background: none repeat scroll 0 0 #185f7d !important;
    }

    a,
    cite a:hover,
    .td_mega_menu_sub_cats .cur-sub-cat,
    .td-mega-span h3 a:hover,
    .td_mod_mega_menu:hover .entry-title a,
    .header-search-wrap .result-msg a:hover,
    .top-header-menu li a:hover,
    .top-header-menu .current-menu-item > a,
    .top-header-menu .current-menu-ancestor > a,
    .top-header-menu .current-category-ancestor > a,
    .td-social-icon-wrap > a:hover,
    .td-header-sp-top-widget .td-social-icon-wrap a:hover,
    .td-page-content blockquote p,
    .td-post-content blockquote p,
    .mce-content-body blockquote p,
    .comment-content blockquote p,
    .wpb_text_column blockquote p,
    .td_block_text_with_title blockquote p,
    .td_module_wrap:hover .entry-title a,
    .td-subcat-filter .td-subcat-list a:hover,
    .td-subcat-filter .td-subcat-dropdown a:hover,
    .td_quote_on_blocks,
    .dropcap2,
    .dropcap3,
    .td_top_authors .td-active .td-authors-name a,
    .td_top_authors .td_mod_wrap:hover .td-authors-name a,
    .td-post-next-prev-content a:hover,
    .author-box-wrap .td-author-social a:hover,
    .td-author-name a:hover,
    .td-author-url a:hover,
    .td_mod_related_posts:hover h3 > a,
    .td-post-template-11 .td-related-title .td-related-left:hover,
    .td-post-template-11 .td-related-title .td-related-right:hover,
    .td-post-template-11 .td-related-title .td-cur-simple-item,
    .td-post-template-11 .td_block_related_posts .td-next-prev-wrap a:hover,
    .comment-reply-link:hover,
    .logged-in-as a:hover,
    #cancel-comment-reply-link:hover,
    .td-search-query,
    .td-category-header .td-pulldown-category-filter-link:hover,
    .td-category-siblings .td-subcat-dropdown a:hover,
    .td-category-siblings .td-subcat-dropdown a.td-current-sub-category,
    .widget a:hover,
    .archive .widget_archive .current,
    .archive .widget_archive .current a,
    .widget_calendar tfoot a:hover,
    .woocommerce a.added_to_cart:hover,
    #bbpress-forums li.bbp-header .bbp-reply-content span a:hover,
    #bbpress-forums .bbp-forum-freshness a:hover,
    #bbpress-forums .bbp-topic-freshness a:hover,
    #bbpress-forums .bbp-forums-list li a:hover,
    #bbpress-forums .bbp-forum-title:hover,
    #bbpress-forums .bbp-topic-permalink:hover,
    #bbpress-forums .bbp-topic-started-by a:hover,
    #bbpress-forums .bbp-topic-started-in a:hover,
    #bbpress-forums .bbp-body .super-sticky li.bbp-topic-title .bbp-topic-permalink,
    #bbpress-forums .bbp-body .sticky li.bbp-topic-title .bbp-topic-permalink,
    .widget_display_replies .bbp-author-name,
    .widget_display_topics .bbp-author-name,
    .footer-text-wrap .footer-email-wrap a,
    .td-subfooter-menu li a:hover,
    .footer-social-wrap a:hover,
    a.vc_btn-black:hover,
    .td-smart-list-dropdown-wrap .td-smart-list-button:hover,
    .td_module_17 .td-read-more a:hover,
    .td_module_18 .td-read-more a:hover,
    .td_module_19 .td-post-author-name a:hover,
    .td-instagram-user a,
    .td-pulldown-syle-2 .td-subcat-dropdown:hover .td-subcat-more span,
    .td-pulldown-syle-2 .td-subcat-dropdown:hover .td-subcat-more i,
    .td-pulldown-syle-3 .td-subcat-dropdown:hover .td-subcat-more span,
    .td-pulldown-syle-3 .td-subcat-dropdown:hover .td-subcat-more i,
    .td-block-title-wrap .td-wrapper-pulldown-filter .td-pulldown-filter-display-option:hover,
    .td-block-title-wrap .td-wrapper-pulldown-filter .td-pulldown-filter-display-option:hover i,
    .td-block-title-wrap .td-wrapper-pulldown-filter .td-pulldown-filter-link:hover,
    .td-block-title-wrap .td-wrapper-pulldown-filter .td-pulldown-filter-item .td-cur-simple-item,
    .global-block-template-2 .td-related-title .td-cur-simple-item,
    .global-block-template-5 .td-related-title .td-cur-simple-item,
    .global-block-template-6 .td-related-title .td-cur-simple-item,
    .global-block-template-7 .td-related-title .td-cur-simple-item,
    .global-block-template-8 .td-related-title .td-cur-simple-item,
    .global-block-template-9 .td-related-title .td-cur-simple-item,
    .global-block-template-10 .td-related-title .td-cur-simple-item,
    .global-block-template-11 .td-related-title .td-cur-simple-item,
    .global-block-template-12 .td-related-title .td-cur-simple-item,
    .global-block-template-13 .td-related-title .td-cur-simple-item,
    .global-block-template-14 .td-related-title .td-cur-simple-item,
    .global-block-template-15 .td-related-title .td-cur-simple-item,
    .global-block-template-16 .td-related-title .td-cur-simple-item,
    .global-block-template-17 .td-related-title .td-cur-simple-item,
    .td-theme-wrap .sf-menu ul .td-menu-item > a:hover,
    .td-theme-wrap .sf-menu ul .sfHover > a,
    .td-theme-wrap .sf-menu ul .current-menu-ancestor > a,
    .td-theme-wrap .sf-menu ul .current-category-ancestor > a,
    .td-theme-wrap .sf-menu ul .current-menu-item > a {
        color: #185f7d;
    }

    a.vc_btn-black.vc_btn_square_outlined:hover,
    a.vc_btn-black.vc_btn_outlined:hover,
    .td-mega-menu-page .wpb_content_element ul li a:hover,
     .td-theme-wrap .td-aj-search-results .td_module_wrap:hover .entry-title a,
    .td-theme-wrap .header-search-wrap .result-msg a:hover {
        color: #185f7d !important;
    }

    .td-next-prev-wrap a:hover,
    .td-load-more-wrap a:hover,
    .td-post-small-box a:hover,
    .page-nav .current,
    .page-nav:first-child > div,
    .td_category_template_8 .td-category-header .td-category a.td-current-sub-category,
    .td_category_template_4 .td-category-siblings .td-category a:hover,
    #bbpress-forums .bbp-pagination .current,
    .post .td_quote_box,
    .page .td_quote_box,
    a.vc_btn-black:hover,
    .td_block_template_5 .td-block-title > * {
        border-color: #185f7d;
    }

    .td_wrapper_video_playlist .td_video_currently_playing:after {
        border-color: #185f7d !important;
    }

    .header-search-wrap .td-drop-down-search:before {
        border-color: transparent transparent #185f7d transparent;
    }

    .block-title > span,
    .block-title > a,
    .block-title > label,
    .widgettitle,
    .widgettitle:after,
    .td-trending-now-title,
    .td-trending-now-wrapper:hover .td-trending-now-title,
    .wpb_tabs li.ui-tabs-active a,
    .wpb_tabs li:hover a,
    .vc_tta-container .vc_tta-color-grey.vc_tta-tabs-position-top.vc_tta-style-classic .vc_tta-tabs-container .vc_tta-tab.vc_active > a,
    .vc_tta-container .vc_tta-color-grey.vc_tta-tabs-position-top.vc_tta-style-classic .vc_tta-tabs-container .vc_tta-tab:hover > a,
    .td_block_template_1 .td-related-title .td-cur-simple-item,
    .woocommerce .product .products h2,
    .td-subcat-filter .td-subcat-dropdown:hover .td-subcat-more {
    	background-color: #185f7d;
    }

    .woocommerce div.product .woocommerce-tabs ul.tabs li.active {
    	background-color: #185f7d !important;
    }

    .block-title,
    .td_block_template_1 .td-related-title,
    .wpb_tabs .wpb_tabs_nav,
    .vc_tta-container .vc_tta-color-grey.vc_tta-tabs-position-top.vc_tta-style-classic .vc_tta-tabs-container,
    .woocommerce div.product .woocommerce-tabs ul.tabs:before {
        border-color: #185f7d;
    }
    .td_block_wrap .td-subcat-item a.td-cur-simple-item {
	    color: #185f7d;
	}


    
    .td-grid-style-4 .entry-title
    {
        background-color: rgba(24, 95, 125, 0.7);
    }

    
    .td-theme-wrap .block-title > span,
    .td-theme-wrap .block-title > span > a,
    .td-theme-wrap .widget_rss .block-title .rsswidget,
    .td-theme-wrap .block-title > a,
    .widgettitle,
    .widgettitle > a,
    .td-trending-now-title,
    .wpb_tabs li.ui-tabs-active a,
    .wpb_tabs li:hover a,
    .vc_tta-container .vc_tta-color-grey.vc_tta-tabs-position-top.vc_tta-style-classic .vc_tta-tabs-container .vc_tta-tab.vc_active > a,
    .vc_tta-container .vc_tta-color-grey.vc_tta-tabs-position-top.vc_tta-style-classic .vc_tta-tabs-container .vc_tta-tab:hover > a,
    .td-related-title .td-cur-simple-item,
    .woocommerce div.product .woocommerce-tabs ul.tabs li.active,
    .woocommerce .product .products h2,
    .td-theme-wrap .td_block_template_2 .td-block-title > *,
    .td-theme-wrap .td_block_template_3 .td-block-title > *,
    .td-theme-wrap .td_block_template_4 .td-block-title > *,
    .td-theme-wrap .td_block_template_5 .td-block-title > *,
    .td-theme-wrap .td_block_template_6 .td-block-title > *,
    .td-theme-wrap .td_block_template_6 .td-block-title:before,
    .td-theme-wrap .td_block_template_7 .td-block-title > *,
    .td-theme-wrap .td_block_template_8 .td-block-title > *,
    .td-theme-wrap .td_block_template_9 .td-block-title > *,
    .td-theme-wrap .td_block_template_10 .td-block-title > *,
    .td-theme-wrap .td_block_template_11 .td-block-title > *,
    .td-theme-wrap .td_block_template_12 .td-block-title > *,
    .td-theme-wrap .td_block_template_13 .td-block-title > span,
    .td-theme-wrap .td_block_template_13 .td-block-title > a,
    .td-theme-wrap .td_block_template_14 .td-block-title > *,
    .td-theme-wrap .td_block_template_14 .td-block-title-wrap .td-wrapper-pulldown-filter .td-pulldown-filter-display-option,
    .td-theme-wrap .td_block_template_14 .td-block-title-wrap .td-wrapper-pulldown-filter .td-pulldown-filter-display-option i,
    .td-theme-wrap .td_block_template_14 .td-block-title-wrap .td-wrapper-pulldown-filter .td-pulldown-filter-display-option:hover,
    .td-theme-wrap .td_block_template_14 .td-block-title-wrap .td-wrapper-pulldown-filter .td-pulldown-filter-display-option:hover i,
    .td-theme-wrap .td_block_template_15 .td-block-title > *,
    .td-theme-wrap .td_block_template_15 .td-block-title-wrap .td-wrapper-pulldown-filter,
    .td-theme-wrap .td_block_template_15 .td-block-title-wrap .td-wrapper-pulldown-filter i,
    .td-theme-wrap .td_block_template_16 .td-block-title > *,
    .td-theme-wrap .td_block_template_17 .td-block-title > * {
    	color: #ffffff;
    }


    
    .td-header-top-menu,
    .td-header-top-menu a,
    .td-header-wrap .td-header-top-menu-full .td-header-top-menu,
    .td-header-wrap .td-header-top-menu-full a,
    .td-header-style-8 .td-header-top-menu,
    .td-header-style-8 .td-header-top-menu a {
        color: #ffffff;
    }

    
    .td-header-wrap .td-header-sp-top-widget i.td-icon-font:hover {
        color: #ffffff;
    }


    
    .td-header-wrap .td-header-menu-wrap-full,
    .sf-menu > .current-menu-ancestor > a,
    .sf-menu > .current-category-ancestor > a,
    .td-header-menu-wrap.td-affix,
    .td-header-style-3 .td-header-main-menu,
    .td-header-style-3 .td-affix .td-header-main-menu,
    .td-header-style-4 .td-header-main-menu,
    .td-header-style-4 .td-affix .td-header-main-menu,
    .td-header-style-8 .td-header-menu-wrap.td-affix,
    .td-header-style-8 .td-header-top-menu-full {
		background-color: #185f7d;
    }


    .td-boxed-layout .td-header-style-3 .td-header-menu-wrap,
    .td-boxed-layout .td-header-style-4 .td-header-menu-wrap,
    .td-header-style-3 .td_stretch_content .td-header-menu-wrap,
    .td-header-style-4 .td_stretch_content .td-header-menu-wrap {
    	background-color: #185f7d !important;
    }


    @media (min-width: 1019px) {
        .td-header-style-1 .td-header-sp-recs,
        .td-header-style-1 .td-header-sp-logo {
            margin-bottom: 28px;
        }
    }

    @media (min-width: 768px) and (max-width: 1018px) {
        .td-header-style-1 .td-header-sp-recs,
        .td-header-style-1 .td-header-sp-logo {
            margin-bottom: 14px;
        }
    }

    .td-header-style-7 .td-header-top-menu {
        border-bottom: none;
    }


    
    .sf-menu > .current-menu-item > a:after,
    .sf-menu > .current-menu-ancestor > a:after,
    .sf-menu > .current-category-ancestor > a:after,
    .sf-menu > li:hover > a:after,
    .sf-menu > .sfHover > a:after,
    .td_block_mega_menu .td-next-prev-wrap a:hover,
    .td-mega-span .td-post-category:hover,
    .td-header-wrap .black-menu .sf-menu > li > a:hover,
    .td-header-wrap .black-menu .sf-menu > .current-menu-ancestor > a,
    .td-header-wrap .black-menu .sf-menu > .sfHover > a,
    .header-search-wrap .td-drop-down-search:after,
    .header-search-wrap .td-drop-down-search .btn:hover,
    .td-header-wrap .black-menu .sf-menu > .current-menu-item > a,
    .td-header-wrap .black-menu .sf-menu > .current-menu-ancestor > a,
    .td-header-wrap .black-menu .sf-menu > .current-category-ancestor > a {
        background-color: #ffffff;
    }


    .td_block_mega_menu .td-next-prev-wrap a:hover {
        border-color: #ffffff;
    }

    .header-search-wrap .td-drop-down-search:before {
        border-color: transparent transparent #ffffff transparent;
    }

    .td_mega_menu_sub_cats .cur-sub-cat,
    .td_mod_mega_menu:hover .entry-title a,
    .td-theme-wrap .sf-menu ul .td-menu-item > a:hover,
    .td-theme-wrap .sf-menu ul .sfHover > a,
    .td-theme-wrap .sf-menu ul .current-menu-ancestor > a,
    .td-theme-wrap .sf-menu ul .current-category-ancestor > a,
    .td-theme-wrap .sf-menu ul .current-menu-item > a {
        color: #ffffff;
    }


    
    .td-header-wrap .td-header-menu-wrap .sf-menu > li > a,
    .td-header-wrap .header-search-wrap .td-icon-search {
        color: #ffffff;
    }

    
    @media (max-width: 767px) {
        body .td-header-wrap .td-header-main-menu {
            background-color: #185f7d !important;
        }
    }


    
    .td-banner-wrap-full,
    .td-header-style-11 .td-logo-wrap-full {
        background-color: #185f7d;
    }

    .td-header-style-11 .td-logo-wrap-full {
        border-bottom: 0;
    }

    @media (min-width: 1019px) {
        .td-header-style-2 .td-header-sp-recs,
        .td-header-style-5 .td-a-rec-id-header > div,
        .td-header-style-5 .td-g-rec-id-header > .adsbygoogle,
        .td-header-style-6 .td-a-rec-id-header > div,
        .td-header-style-6 .td-g-rec-id-header > .adsbygoogle,
        .td-header-style-7 .td-a-rec-id-header > div,
        .td-header-style-7 .td-g-rec-id-header > .adsbygoogle,
        .td-header-style-8 .td-a-rec-id-header > div,
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Future CEO Jia Yueting (left)."  /><span class="ubermenu-target-title ubermenu-target-text">Flush with new cash, embattled electric-car startup Faraday Future hopes to turn the page on a rough 2 years</span></a></li><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-ubermenu-custom ubermenu-td-no-down-arrow ubermenu-td-menu-item ubermenu-td-normal-menu ubermenu-item-61614 ubermenu-item-61614-post-722315 ubermenu-item-auto ubermenu-item-header ubermenu-item-level-1 ubermenu-column ubermenu-column-1-4" ><a class="ubermenu-target ubermenu-target-with-image ubermenu-item-layout-default ubermenu-item-layout-image_above" href="http://www.businessinsider.my/bitcoin-price-rise-causes-hash-rate-arms-race-2018-2/"><img class="ubermenu-image ubermenu-image-size-td_356x220" src="http://static.businessinsider.my/sites/3/2018/02/5a77930d5124c9547bfcafc7-356x220.jpg" width="356" height="220" alt="5a77930d5124c9547bfcafc7"  /><span class="ubermenu-target-title 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cash, embattled electric-car startup Faraday Future hopes to turn the page on a rough 2 years</span></a></li><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-ubermenu-custom ubermenu-td-no-down-arrow ubermenu-td-menu-item ubermenu-td-normal-menu ubermenu-item-61616 ubermenu-item-61616-post-722315 ubermenu-item-auto ubermenu-item-header ubermenu-item-level-1 ubermenu-column ubermenu-column-1-4" ><a class="ubermenu-target ubermenu-target-with-image ubermenu-item-layout-default ubermenu-item-layout-image_above" href="http://www.businessinsider.my/bitcoin-price-rise-causes-hash-rate-arms-race-2018-2/"><img class="ubermenu-image ubermenu-image-size-td_356x220" src="http://static.businessinsider.my/sites/3/2018/02/5a77930d5124c9547bfcafc7-356x220.jpg" width="356" height="220" alt="5a77930d5124c9547bfcafc7"  /><span class="ubermenu-target-title ubermenu-target-text">JPMORGAN: Bitcoin miners are in a &#8216;hash rate arms race&#8217;</span></a></li><li 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ubermenu-item-object-page ubermenu-item-has-children ubermenu-td-menu-item ubermenu-td-normal-menu ubermenu-item-61617 ubermenu-item-level-0 ubermenu-column ubermenu-column-auto ubermenu-has-submenu-drop ubermenu-has-submenu-mega" ><a class="ubermenu-target ubermenu-item-layout-default ubermenu-item-layout-text_only" href="http://www.businessinsider.my/career/" tabindex="0"><span class="ubermenu-target-title ubermenu-target-text">Career</span></a><ul class="ubermenu-submenu ubermenu-submenu-id-61617 ubermenu-submenu-type-auto ubermenu-submenu-type-mega ubermenu-submenu-drop ubermenu-submenu-align-full_width" ><!-- begin Dynamic Posts: [Dynamic Posts] ID[61618] count[4] --><li class="ubermenu-item ubermenu-item-type-custom ubermenu-item-object-ubermenu-custom ubermenu-td-no-down-arrow ubermenu-td-menu-item ubermenu-td-normal-menu ubermenu-item-61618 ubermenu-item-61618-post-722482 ubermenu-item-auto ubermenu-item-header ubermenu-item-level-1 ubermenu-column ubermenu-column-1-4" ><a 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                                  <span itemprop="name">Finance</span>    </a>    <meta itemprop="position" content = "1"></span> <i class="td-icon-right td-bread-sep td-bred-no-url-last"></i> <span class="td-bred-no-url-last">MORGAN STANLE...</span></div></div>

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    <article id="post-425042" class="post-425042 post type-post status-publish format-standard has-post-thumbnail hentry category-finance category-news tag-allstate tag-berkshire-hathaway tag-harvey-2017 tag-harvey-updates tag-hurricane-harvey tag-hurricane-harvey-2017 tag-insurance tag-markets tag-morgan-stanley tag-progressive tag-state-farm tag-travellers tag-tropical-storm-harvey tag-tropical-storm-harvey-2017" itemscope itemtype="http://schema.org/Article">
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                <h1 class="entry-title">MORGAN STANLEY: Here are the insurers that stand to lose the most from Hurricane Harvey</h1>

                

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                    <div class="td-post-author-name"><div class="td-author-by">By</div> <a href="http://www.businessinsider.my/author/businessinsider/"><a target='_blank' href='http://www.businessinsider.com/author/graham-rapier/?IR=T'>Graham Rapier</a>, <a target='_blank' href='http://www.businessinsider.com/?IR=T'>Business Insider US</a></a><div class="td-author-line"> - </div> </div>                    <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2017-08-28T19:54:02+00:00" >August 28, 2017</time></span>                                                        </div>

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<p >When  the waters recede, damages from <a href="http://www.businessinsider.com/category/harvey-2017">Hurricane  Harvey</a>, which struck the Texas coast this weekend, will be  extensive.</p>
<p >  They&#8217;ll also be extremely costly for insurers. Morgan Stanley is  already beginning to think about total insurance claims.</p>
<p >  &#8220;Early estimates on wind losses from RMS are in the low single  digit $billions. Flooding has been extensive and could cause more  insured losses than wind,&#8221; the bank said in a note published  Monday morning.</p><div class='code-block code-block-1' style='margin: 8px 0; clear: both;'>
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<p >  Wind is typically covered under most personal and commercial  insurance policies, but flooding is typically only covered under  commercial policies, and not private homeowners&#8217; policies.</p>
<p >  For comparison, Hurricane Katrina in 2005 caused $79.7 billion in  damages. In 2012, Hurricane Sandy caused $36.1 billion, and  Hurricane Ike, which in 2008 hit a similar location along the  Gulf coast as Harvey, caused $22.3 billion in damages.</p>
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<p >  Morgan Stanley pointed out that the ten largest homeowners&#8217;  insurers are responsible for the bulk of that market. &#8220;The  homeowners market is concentrated (the top-10 account for ~77% of  the market), but wind losses could be less than flood losses. Top  carriers in our coverage include <a href="http://markets.businessinsider.com/stock/ALL-Quote">ALL</a> and  <a href="http://markets.businessinsider.com/stock/TRV-Quote">TRV</a>.&#8221;</p>
<p >  Here&#8217;s how the market share for homeowners&#8217; insurance breaks down  in Texas:</p>
<p >        <img id="image-59a46c5579bbfd04418b5510" src="http://static.businessinsider.my/sites/3/2017/08/59a46c5579bbfd04418b5510.jpg" alt="homeowners insurance market share texas" class="bi_image size-medium wp-image-425044" bisrc="https://static.businessinsider.com/image/59a46c5579bbfd04418b5510.jpg" srcset="http://static.businessinsider.my/sites/3/2017/08/59a46c5579bbfd04418b5510.jpg 844w, http://static.businessinsider.my/sites/3/2017/08/59a46c5579bbfd04418b5510-768x472.jpg 768w, http://static.businessinsider.my/sites/3/2017/08/59a46c5579bbfd04418b5510-356x220.jpg 356w, http://static.businessinsider.my/sites/3/2017/08/59a46c5579bbfd04418b5510-696x428.jpg 696w, http://static.businessinsider.my/sites/3/2017/08/59a46c5579bbfd04418b5510-683x420.jpg 683w" sizes="(max-width: 844px) 100vw, 844px" />        </p>
<dl type="image">
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<dd class="image-source-value" id="image-source-59a46c5579bbfd04418b5510">Morgan Stanley</dd>
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<p >  The stock prices of <a href="http://markets.businessinsider.com/stock/ALL-Quote">Allstate</a>  and <a href="http://markets.businessinsider.com/stock/TRV-Quote">Travellers</a>  were down 1.53% and 2.63%, respectively, Monday afternoon in New  York. </p>
<p >  The commercial insurance market, on the other hand, is a little  more fragmented than homeowners&#8217;, the bank says. &#8220;In the  commercial market, the top-10 account for only about 55% of the  market (with the largest two writers including <a href="http://markets.businessinsider.com/stock/HIG-Quote">HIG</a> and  TRV). Auto policies typically cover flood; largest writers in our  coverage include <a href="http://markets.businessinsider.com/stock/ALL-Quote">ALL</a>,  <a href="http://markets.businessinsider.com/stock/BRK-A-Quote">BRK</a>,  and <a href="http://markets.businessinsider.com/stock/PGR-Quote">PGR</a>,&#8221;  according to Morgan Stanley.</p>
<p >  Here&#8217;s the breakdown of commercial insurance market share in  Texas:</p>
<p >        <img id="image-59a46c7279bbfd22008b598d" src="http://static.businessinsider.my/sites/3/2017/08/59a46c7279bbfd22008b598d.jpg" alt="commercial insurance market share texas harvey" class=" bi_image size-medium wp-image-425043" bisrc="https://static.businessinsider.com/image/59a46c7279bbfd22008b598d.jpg" srcset="http://static.businessinsider.my/sites/3/2017/08/59a46c7279bbfd22008b598d.jpg 578w, http://static.businessinsider.my/sites/3/2017/08/59a46c7279bbfd22008b598d-356x220.jpg 356w" sizes="(max-width: 578px) 100vw, 578px" />        </p>
<dl type="image">
<dt class="image-source-label" id="image-source">source</dt>
<dd class="image-source-value" id="image-source-59a46c7279bbfd22008b598d">Morgan Stanley</dd>
</dl>
<p ><a href="http://markets.businessinsider.com/stock/PGR-Quote">Progressive</a>&#8216;s  stock had shouldered the largest drop among this group so far,  down 2.1% Monday afternoon in New York. <a href="http://markets.businessinsider.com/stock/BRK-A-Quote">Berkshire  Hathaway A shares</a> were down 0.77% and <a href="http://markets.businessinsider.com/stock/HIG-Quote">Hartford  Financial Services</a> was down 1.07%. </p>
<p >  Underwriters typically underperform the market after a natural  disaster because of the tremendous upfront costs, Morgan Stanley  notes, but they then tend to outpace market gains as the losses  become more clearly defined.</p>
<p >  &#8220;While it is too early to gauge ultimate losses, the industry&#8217;s  balance sheet is strong, with plenty of excess capital and an  influx of alternative capital,&#8221; writes Morgan Stanley. &#8220;We think  Harvey could help stabilize global reinsurance pricing, but do  not expect a major turn in pricing to follow.&#8221;</p>
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<div class="td-post-source-tags"><ul class="td-tags td-post-small-box clearfix"><li><span>TAGS</span></li><li><a href="/tag/allstate/">Allstate</a></li> <li><a href="/tag/berkshire-hathaway/">Berkshire Hathaway</a></li> <li><a href="/tag/harvey-2017/">Harvey 2017</a></li> <li><a href="/tag/harvey-updates/">Harvey updates</a></li> <li><a href="/tag/hurricane-harvey/">Hurricane Harvey</a></li> <li><a href="/tag/hurricane-harvey-2017/">Hurricane Harvey 2017</a></li> <li><a href="/tag/insurance/">Insurance</a></li> <li><a href="/tag/markets/">Markets</a></li> <li><a href="/tag/morgan-stanley/">Morgan Stanley</a></li> <li><a href="/tag/progressive/">Progressive</a></li> <li><a href="/tag/state-farm/">State Farm</a></li> <li><a href="/tag/travellers/">Travellers</a></li> <li><a href="/tag/tropical-storm-harvey/">Tropical Storm Harvey</a></li> <li><a href="/tag/tropical-storm-harvey-2017/">Tropical Storm Harvey 2017</a></li></ul></div><div class="addthis_inline_share_toolbox" data-url="http://www.businessinsider.my/hurricane-harvey-texas-houston-damage-insurance-losses-morgan-stanley-2017-8/"></div><div class="OUTBRAIN" data-src="http://www.businessinsider.my/hurricane-harvey-texas-houston-damage-insurance-losses-morgan-stanley-2017-8/" data-widget-id="AR_1" data-ob-template="BusinessInsiderMalaysia_1"></div>
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