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  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 -->
<script type="text/javascript">
var isArticlePage = 1;

if(isArticlePage) {
var gs_channels="no_category";
var gsurl=window.location!=window.top.location?document.referrer:window.location;
document.write('<scr'+'ipt type="text/javascript" src="//sph.gscontxt.net/main/channels.cgi?url='+encodeURIComponent(gsurl)+'"></scr'+'ipt>');
}
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<script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':
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<script src="//adtag.asiaone.com/tag/businessinsider/js/prebid/my/prebid.js"></script>
<script src="//adtag.asiaone.com/tag/businessinsider/js/prebid/my/prebid_bimy.js"></script>
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<script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':
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})(window,document,'script','dataLayer','GTM-M957KP');</script>
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<script type="text/javascript">
  
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googletag.defineSlot("/5908/BI_MY/imu2/finance", [[300, 250], [300, 600]],"dfp-ad-imu2")
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googletag.defineSlot("/5908/BI_MY/topoverlay/finance", [1, 1],"dfp-ad-topoverlay")
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googletag.defineSlot("/5908/BI_MY/midarticlespecial/finance", [[1, 1],"fluid"],"dfp-ad-midarticlespecial")
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<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;
}
}
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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,
        .td-header-style-8 .td-g-rec-id-header > .adsbygoogle,
        .td-header-style-12 .td-a-rec-id-header > div,
        .td-header-style-12 .td-g-rec-id-header > .adsbygoogle {
            margin-bottom: 24px !important;
        }
    }

    @media (min-width: 768px) and (max-width: 1018px) {
        .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,
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charges after a credit card systems glitch</span></a></li><!-- end Dynamic Posts: [Dynamic Posts] ID[61611] --></ul></li><li class="ubermenu-item ubermenu-item-type-post_type ubermenu-item-object-page ubermenu-item-has-children ubermenu-td-menu-item ubermenu-td-normal-menu ubermenu-item-61613 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/tech-insider/" tabindex="0"><span class="ubermenu-target-title ubermenu-target-text">Tech Insider</span></a><ul class="ubermenu-submenu ubermenu-submenu-id-61613 ubermenu-submenu-type-auto ubermenu-submenu-type-mega ubermenu-submenu-drop ubermenu-submenu-align-full_width" ><!-- begin Dynamic Posts: [Dynamic Posts] ID[61614] 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-61614 ubermenu-item-61614-post-730251 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/coinbase-users-see-duplicate-charges-on-credit-cards-2018-2/"><img class="ubermenu-image ubermenu-image-size-td_356x220" src="http://static.businessinsider.my/sites/3/2018/02/5a21a5f23dbef4db018b980b-356x220.png" width="356" height="220" alt="Coinbase&#039;s newly appointed president Asiff Hirji stands with co-founder and CEO Brian Armstrong."  /><span class="ubermenu-target-title ubermenu-target-text">Cryptocurrency investors on Coinbase got hit with thousands of dollars in &#8216;ghost&#8217; charges after a credit card systems glitch</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-730150 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/tesla-coned-partnership-proposed-for-new-york-2018-2/"><img class="ubermenu-image ubermenu-image-size-td_356x220" src="http://static.businessinsider.my/sites/3/2017/08/BI-Logo.png" srcset="http://static.businessinsider.my/sites/3/2017/08/BI-Logo.png 356w, http://static.businessinsider.my/sites/3/2017/08/BI-Logo-300x185.png 300w" sizes="(max-width: 356px) 100vw, 356px" width="356" height="220" alt="BI-Logo"  /><span class="ubermenu-target-title ubermenu-target-text">Tesla&#8217;s Powerpack batteries may be used to support New York&#8217;s energy grid</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-729889 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/netflix-5-million-people-watched-the-cloverfield-paradox-2018-2/"><img class="ubermenu-image ubermenu-image-size-td_356x220" src="http://static.businessinsider.my/sites/3/2018/02/5a788fd6107290d91a8b4d5e-356x220.jpg" width="356" height="220" alt="5a788fd6107290d91a8b4d5e"  /><span class="ubermenu-target-title ubermenu-target-text">5 million people watched Netflix&#8217;s &#8216;trainwreck&#8217; of a new &#8216;Cloverfield&#8217; movie in the first week, which has an 18% on Rotten Tomatoes</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-729878 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/microsoft-ceo-saya-nadella-congratulates-college-intern-for-viral-linkedin-internship-post-2018-2/"><img class="ubermenu-image ubermenu-image-size-td_356x220" src="http://static.businessinsider.my/sites/3/2018/02/5a85c85cd03072ac0a8b45b8-356x220.png" width="356" height="220" alt="Satya Nadella, CEO of Microsoft Corp."  /><span class="ubermenu-target-title ubermenu-target-text">This college student&#8217;s viral LinkedIn post got her a Microsoft internship &#8212; and congratulations from the CEO of Microsoft</span></a></li><!-- end Dynamic Posts: [Dynamic Posts] ID[61614] --></ul></li><li class="ubermenu-item ubermenu-item-type-post_type ubermenu-item-object-page ubermenu-item-has-children ubermenu-td-menu-item ubermenu-td-normal-menu ubermenu-item-61615 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/finance/" tabindex="0"><span class="ubermenu-target-title ubermenu-target-text">Finance</span></a><ul class="ubermenu-submenu ubermenu-submenu-id-61615 ubermenu-submenu-type-auto ubermenu-submenu-type-mega ubermenu-submenu-drop ubermenu-submenu-align-full_width" ><!-- begin Dynamic Posts: [Dynamic Posts] ID[61616] 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-61616 ubermenu-item-61616-post-730150 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/tesla-coned-partnership-proposed-for-new-york-2018-2/"><img class="ubermenu-image ubermenu-image-size-td_356x220" src="http://static.businessinsider.my/sites/3/2017/08/BI-Logo.png" srcset="http://static.businessinsider.my/sites/3/2017/08/BI-Logo.png 356w, http://static.businessinsider.my/sites/3/2017/08/BI-Logo-300x185.png 300w" sizes="(max-width: 356px) 100vw, 356px" width="356" height="220" alt="BI-Logo"  /><span class="ubermenu-target-title ubermenu-target-text">Tesla&#8217;s Powerpack batteries may be used to support New York&#8217;s energy grid</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-729870 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/betaworks-studios-soho-house-for-nerds-new-york-city-2018-2/"><img class="ubermenu-image ubermenu-image-size-td_356x220" src="http://static.businessinsider.my/sites/3/2018/02/5a85ece9d0307246008b4829-356x220.png" width="356" height="220" alt="5a85ece9d0307246008b4829"  /><span class="ubermenu-target-title ubermenu-target-text">There&#8217;s an invite-only &#8216;Soho House for nerds&#8217; launching soon in NYC</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-729696 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/evan-spiegel-doubles-down-on-new-snapchat-redesign-says-complaints-only-validate-changes-2018-2/"><img class="ubermenu-image ubermenu-image-size-td_356x220" src="http://static.businessinsider.my/sites/3/2017/08/BI-Logo.png" srcset="http://static.businessinsider.my/sites/3/2017/08/BI-Logo.png 356w, http://static.businessinsider.my/sites/3/2017/08/BI-Logo-300x185.png 300w" sizes="(max-width: 356px) 100vw, 356px" width="356" height="220" alt="BI-Logo"  /><span class="ubermenu-target-title ubermenu-target-text">Evan Spiegel doubles down on new Snapchat redesign, says complaints only &#8216;validate&#8217; changes</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-729681 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/facebook-user-growth-dwindling-chart-2018-2/"><img class="ubermenu-image ubermenu-image-size-td_356x220" src="http://static.businessinsider.my/sites/3/2018/02/5a85effdd030725a048b46a1-356x220.png" width="356" height="220" alt="5a85effdd030725a048b46a1"  /><span class="ubermenu-target-title ubermenu-target-text">Facebook&#8217;s user growth is dwindling &#8212; especially among young people</span></a></li><!-- end Dynamic Posts: [Dynamic Posts] ID[61616] --></ul></li><li class="ubermenu-item ubermenu-item-type-post_type 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-729870 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/betaworks-studios-soho-house-for-nerds-new-york-city-2018-2/"><img class="ubermenu-image ubermenu-image-size-td_356x220" src="http://static.businessinsider.my/sites/3/2018/02/5a85ece9d0307246008b4829-356x220.png" width="356" height="220" alt="5a85ece9d0307246008b4829"  /><span class="ubermenu-target-title ubermenu-target-text">There&#8217;s an invite-only &#8216;Soho House for nerds&#8217; launching soon in NYC</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-61618 ubermenu-item-61618-post-729430 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/flight-attendant-united-airlines-day-in-the-life-2018-2/"><img class="ubermenu-image ubermenu-image-size-td_356x220" src="http://static.businessinsider.my/sites/3/2018/02/5a7e2214d030721b008b507b-356x220.jpg" width="356" height="220" alt="&quot;You could give me a million dollars, and it wouldn&#039;t be better than one day here,&quot; our flight attendant says."  /><span class="ubermenu-target-title ubermenu-target-text">A day in the life of a United Airlines flight attendant, who woke up before 3 a.m. and ran circles around me for 9 hours</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-61618 ubermenu-item-61618-post-729240 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/donald-trump-oval-office-white-house-design-2018-1/"><img class="ubermenu-image ubermenu-image-size-td_356x220" src="http://static.businessinsider.my/sites/3/2018/02/5a85bbf6d030721c008b475f-356x220.png" width="356" height="220" alt="Each president gets to redesign the space according to their personal taste — and political leanings."  /><span class="ubermenu-target-title ubermenu-target-text">Trump insisted on hanging bright gold drapes in the Oval Office &#8212; 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                <h1 class="entry-title">100,000 homes have been destroyed or damaged by Harvey &#8212; and for survivors the financial toll is just beginning</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/tanza-loudenback/?IR=T'>Tanza Loudenback</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="2017-09-01T20:00:00+00:00" >September 1, 2017</time></span>                                                        </div>

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<ul >        <strong>Officials estimate up to 100,000 homes were damaged or    destroyed as a result of Harvey.</strong>        <strong>The worst of the storm was over by Thursday, August 31,    but recovery is expected to last months.</strong>        <strong>325,000 have already applied for assistance from FEMA,    the only aid available for the more than 80% of people without    flood insurance.</strong>      </ul>
<p >  Since Hurricane Harvey <a href="http://www.businessinsider.com/tropical-storm-harvey-hurricane-updates-map-texas-where-landfall-damage-2017-8">  made landfall in Texas</a> last Friday, dangerous flooding has  driven tens of thousands of people from their homes, and  &#8220;<a href="https://twitter.com/NWS/status/901832717070983169">unprecedented</a>&#8221;  rainfall and winds wreaked havoc across parts of the state.  Aerial <a href="http://www.businessinsider.com/houston-harvey-flooding-aerial-photos-2017-8">  photos</a> of the aftermath in Houston show entire neighborhoods  submerged in water.</p>
<p ><a href="http://www.cnn.com/2017/08/31/us/harvey-houston-texas-flood/index.html">As many as 100,000  homes</a> have been damaged or destroyed as a result of Harvey,  according to homeland security adviser Tom Bossert. Houston  officials estimate that <a href="http://abcnews.go.com/US/harvey-now-tropical-storm-makes-landfall-louisiana/story?id=49507156">  up to 40,000 homes</a> in the city have been destroyed. The  coastal areas of Rockport and Port Arkansas, which are close to  where the storm made its first landfall, were <a href="http://www.businessinsider.com/hurricane-harvey-destruction-flooding-photos-2017-8">  heavily damaged as well,</a> as were <a href="http://www.businessinsider.com/harvey-port-arthur-26-inches-rain-flash-floods-residents-survival-mode-2017-8">  the nearby cities of Port Arthur and Beaumont</a>.</p><div class='code-block code-block-1' style='margin: 8px 0; clear: both;'>
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<p >  Over the coming days and weeks, Texans who fled their homes for  safety will return to devastating scenes. For survivors, the  financial toll is just beginning.</p>
<p >  Of the more than 300,000 Harvey survivors who had applied for  FEMA aid as of Thursday, more than 96,000 individuals and  households had been approved. <a href="http://www.businessinsider.com/r-hurricane-harvey-will-be-a-big-test-for-fema-2017-9">  According to Reuters</a>, $57 million has already been allotted  to victims, with $9.5 million approved for housing assistance to  help with rent of up to $2,000 a month. Victims may also receive  $500 to cover &#8220;critical needs&#8221; such as diapers, infant formula,  food and fuel.</p>
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<p lang="en" dir="ltr">325k survivors signed up for assistance and counting. If affected by <a href="https://twitter.com/hashtag/Harvey?src=hash">#Harvey</a>, register for <a href="https://twitter.com/fema">@fema</a> aid at <a href="https://t.co/VxTH4dA4AS">https://t.co/VxTH4dA4AS</a></p>
<p>&mdash; Brock Long (@FEMA_Brock) <a href="https://twitter.com/FEMA_Brock/status/903299217900363776">August 31, 2017</a></p></blockquote>
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<p >  The recovery process &#8211; from salvaging personal belongings to  catching up on mortgage payments to dealing with insurance  companies &#8211; will be long-lasting and could leave many people in  financial ruin. Here are some of the challenges survivors will  face once the flood waters subside.</p>
<h2 >  Mortgage payments</h2>
<p >  In Houston and nearby areas impacted by the storm, there are  &#8220;more than twice as many mortgage properties with nearly four  times the unpaid principal balance&#8221; as there were in the counties  hit by Hurricane Katrina in 2005, <a href="https://www.cnbc.com/2017/08/30/harvey-hits-mortgages-as-flood-stricken-homeowners-are-unlikely-to-pay.html">  according to data cited by CNBC</a> from Black Knight Financial  Services.</p>
<p >  An aftermath on par with Katrina could mean 75,000 Houston  borrowers may fall behind on their mortgage payment in the next  two months, and 45,000 could become &#8220;seriously delinquent&#8221; within  four months.</p>
<p >  Mortgage lenders Fannie Mae, Freddie Mac, and the Federal Housing  Administration (FHA) are offering some relief for homeowners  affected by Harvey, <a href="https://www.cnbc.com/2017/08/30/harvey-hits-mortgages-as-flood-stricken-homeowners-are-unlikely-to-pay.html">  forbearing mortgage payments at least 90 days</a>, and  potentially up to a year. Borrowers won&#8217;t have to make their  monthly payments and no penalties will apply, though interest  will still accrue.</p>
<h2 >  Flood insurance</h2>
<p >  Only 17% of the homes in the eight counties left in Harvey&#8217;s wake  have flood insurance, which can cost homeowners anywhere from  $500 to $2,000 annually depending on the location, <a href="https://www.washingtonpost.com/news/wonk/wp/2017/08/29/where-harvey-is-hitting-hardest-four-out-of-five-homeowners-lack-flood-insurance">  according to the Washington Post</a>.</p>
<p >  For the more than 80% of homeowners without flood insurance,  private charity and grants from FEMA is all they have. At the  high-end, a homeowner who can prove their house is unlivable can  be given up to $33,300 from FEMA.</p>
<p >  Still, the process to receive aid can take weeks or months after  a disaster like Harvey.</p>
<p >  A lack or delay of funds could force many people into debt or  bankruptcy, particularly if a home is the most valuable financial  asset they own. <a href="http://www.businessinsider.com/r-hurricane-harvey-will-be-a-big-test-for-fema-2017-9">  According to Reuters</a>, the average FEMA payout to victims of  Hurricane Katrina was just $7,114, and $8,016 for Sandy.</p>
<p >  &#8220;There are some early indications that this is going to have an  exceptionally large impact on the number of people who are  totally uninsured,&#8221; Howard Mills, the global insurance regulatory  leader at Deloitte, <a href="https://qz.com/1063985/hurricane-harvey-why-85-of-homeowners-in-houston-dont-have-federal-flood-insurance/">  told Quartz</a>.</p>
<p >  Most flood insurance policies are issued through the  government-run <a href="https://www.fema.gov/national-flood-insurance-program">National  Flood Insurance Program</a> (NFIP), which is already $25 billion  in debt after payouts from Hurricanes Katrina and Sandy. Those  policies will cover up to $250,000 in rebuilding costs for  structural damage to residential properties.</p>
<p ><a href="https://www.fema.gov/nfip-file-your-claim">Filing a  claim</a> is the first step, and then homeowners will need to  document the damage with photos and make an appointment for an  adjuster to visit. As thousands of people move through this  process simultaneously, claims and payments are likely to be  delayed.</p>
<h2 >  Replacing belongings</h2>
<p >  Legendary investor Warren Buffett &#8211; whose company Berkshire  Hathaway owns Geico and several other insurers &#8211;<a href="http://www.businessinsider.com/ap-billionaire-warren-buffett-says-hurricane-damage-will-linger-2017-8">said</a>  it&#8217;s likely that 10% of the vehicles Geico insures in the Houston  area will have to be replaced.</p>
<p >  Flood insurance policies through FEMA will replace damaged  personal belongings such as clothing, TVs, and furniture up to  $100,000. But with the vast majority of homeowners in the area  uninsured, the losses could be immense.</p>
<h2 >  Managing money</h2>
<p >  Tens of thousands of people quickly evacuated their homes before  Harvey&#8217;s first landfall, possibly leaving behind important  financial documents, like social security information, tax  documents, insurance policies, and mortgages. These are all  <a href="https://www.usa.gov/replace-vital-documents">replaceable</a>,  but may take some time.</p>
<p >  The Federal Trade Commission <a href="https://www.consumer.ftc.gov/articles/0379-dealing-weather-emergency-getting-back-your-feet-financially">  suggests</a> reaching out to credit card companies, lenders, and  other financial institutions to ask for help. Many could be  willing todefer=&#8221;defer&#8221;payments, extend grace periods, waive late fees,  postpone collection or foreclosures, or raise credit limits.</p>
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