/*! This file is auto-generated */
.wp-block-button__link{color:#fff;background-color:#32373c;border-radius:9999px;box-shadow:none;text-decoration:none;padding:calc(.667em + 2px) calc(1.333em + 2px);font-size:1.125em}.wp-block-file__button{background:#32373c;color:#fff;text-decoration:none}:root{--wp--preset--aspect-ratio--square: 1;--wp--preset--aspect-ratio--4-3: 4/3;--wp--preset--aspect-ratio--3-4: 3/4;--wp--preset--aspect-ratio--3-2: 3/2;--wp--preset--aspect-ratio--2-3: 2/3;--wp--preset--aspect-ratio--16-9: 16/9;--wp--preset--aspect-ratio--9-16: 9/16;--wp--preset--color--black: #000000;--wp--preset--color--cyan-bluish-gray: #abb8c3;--wp--preset--color--white: #ffffff;--wp--preset--color--pale-pink: #f78da7;--wp--preset--color--vivid-red: #cf2e2e;--wp--preset--color--luminous-vivid-orange: #ff6900;--wp--preset--color--luminous-vivid-amber: #fcb900;--wp--preset--color--light-green-cyan: #7bdcb5;--wp--preset--color--vivid-green-cyan: #00d084;--wp--preset--color--pale-cyan-blue: #8ed1fc;--wp--preset--color--vivid-cyan-blue: #0693e3;--wp--preset--color--vivid-purple: #9b51e0;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple: linear-gradient(135deg,rgba(6,147,227,1) 0%,rgb(155,81,224) 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan: linear-gradient(135deg,rgb(122,220,180) 0%,rgb(0,208,130) 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange: linear-gradient(135deg,rgba(252,185,0,1) 0%,rgba(255,105,0,1) 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red: linear-gradient(135deg,rgba(255,105,0,1) 0%,rgb(207,46,46) 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray: linear-gradient(135deg,rgb(238,238,238) 0%,rgb(169,184,195) 100%);--wp--preset--gradient--cool-to-warm-spectrum: linear-gradient(135deg,rgb(74,234,220) 0%,rgb(151,120,209) 20%,rgb(207,42,186) 40%,rgb(238,44,130) 60%,rgb(251,105,98) 80%,rgb(254,248,76) 100%);--wp--preset--gradient--blush-light-purple: linear-gradient(135deg,rgb(255,206,236) 0%,rgb(152,150,240) 100%);--wp--preset--gradient--blush-bordeaux: linear-gradient(135deg,rgb(254,205,165) 0%,rgb(254,45,45) 50%,rgb(107,0,62) 100%);--wp--preset--gradient--luminous-dusk: linear-gradient(135deg,rgb(255,203,112) 0%,rgb(199,81,192) 50%,rgb(65,88,208) 100%);--wp--preset--gradient--pale-ocean: linear-gradient(135deg,rgb(255,245,203) 0%,rgb(182,227,212) 50%,rgb(51,167,181) 100%);--wp--preset--gradient--electric-grass: linear-gradient(135deg,rgb(202,248,128) 0%,rgb(113,206,126) 100%);--wp--preset--gradient--midnight: linear-gradient(135deg,rgb(2,3,129) 0%,rgb(40,116,252) 100%);--wp--preset--font-size--small: 13px;--wp--preset--font-size--medium: 20px;--wp--preset--font-size--large: 36px;--wp--preset--font-size--x-large: 42px;--wp--preset--spacing--20: 0.44rem;--wp--preset--spacing--30: 0.67rem;--wp--preset--spacing--40: 1rem;--wp--preset--spacing--50: 1.5rem;--wp--preset--spacing--60: 2.25rem;--wp--preset--spacing--70: 3.38rem;--wp--preset--spacing--80: 5.06rem;--wp--preset--shadow--natural: 6px 6px 9px rgba(0, 0, 0, 0.2);--wp--preset--shadow--deep: 12px 12px 50px rgba(0, 0, 0, 0.4);--wp--preset--shadow--sharp: 6px 6px 0px rgba(0, 0, 0, 0.2);--wp--preset--shadow--outlined: 6px 6px 0px -3px rgba(255, 255, 255, 1), 6px 6px rgba(0, 0, 0, 1);--wp--preset--shadow--crisp: 6px 6px 0px rgba(0, 0, 0, 1);}:where(.is-layout-flex){gap: 0.5em;}:where(.is-layout-grid){gap: 0.5em;}body .is-layout-flex{display: flex;}.is-layout-flex{flex-wrap: wrap;align-items: center;}.is-layout-flex > :is(*, div){margin: 0;}body .is-layout-grid{display: grid;}.is-layout-grid > :is(*, div){margin: 0;}:where(.wp-block-columns.is-layout-flex){gap: 2em;}:where(.wp-block-columns.is-layout-grid){gap: 2em;}:where(.wp-block-post-template.is-layout-flex){gap: 1.25em;}:where(.wp-block-post-template.is-layout-grid){gap: 1.25em;}.has-black-color{color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color: var(--wp--preset--color--white) !important;}.has-pale-pink-color{color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color: var(--wp--preset--color--vivid-purple) !important;}.has-black-background-color{background-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color: var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color: var(--wp--preset--color--vivid-purple) !important;}.has-black-border-color{border-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color: var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color: var(--wp--preset--color--vivid-purple) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background: var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background: var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background: var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background: var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background: var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background: var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background: var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background: var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background: var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background: var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size: var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size: var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size: var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size: var(--wp--preset--font-size--x-large) !important;}
:where(.wp-block-post-template.is-layout-flex){gap: 1.25em;}:where(.wp-block-post-template.is-layout-grid){gap: 1.25em;}
:where(.wp-block-columns.is-layout-flex){gap: 2em;}:where(.wp-block-columns.is-layout-grid){gap: 2em;}
:root :where(.wp-block-pullquote){font-size: 1.5em;line-height: 1.6;}#rs-demo-id {}
.cmm-toggle-wrapper{display:none;}.cmm-toggle-wrapper .toggle-icon-open,.cmm-toggle-wrapper .toggle-icon-close{margin-right:5px;}.cmm-toggle-wrapper .toggle-icon-close{display:none;}.cmm-toggle-wrapper .cmm-toggle{color:#333;line-height:20px;text-align:center;padding:10px;display:inline-block;border:1px solid #ddd;border-radius:0;background:#fff;}.cmm-toggle-wrapper .cmm-toggle:hover{cursor:pointer;}.cmm-container .cmm.cmm-theme-default-461836{font-size:13px;font-weight:400;line-height:1.6;text-transform:none;color:#636363;width:100%;height:auto;display:table;margin:0px 0px 0px 0px;padding:0px 0px 0px 0px;border-width:0px 0px 0px 0px;border-style:solid;border-color:rgba(255, 255, 255, 0.1);border-radius:0px 0px 0px 0px;background:#f6f6f6;background:-webkit-gradient(linear, left top, left bottom, from(#f6f6f6), to(#f6f6f6));background:-moz-linear-gradient(top, #f6f6f6, #f6f6f6);background:-ms-linear-gradient(top, #f6f6f6, #f6f6f6);background:-o-linear-gradient(top, #f6f6f6, #f6f6f6);background:linear-gradient(to bottom, #f6f6f6, #f6f6f6);filter:progid:DXImageTransform.Microsoft.gradient(startColorstr='#f6f6f6', endColorstr='#f6f6f6');list-style-type:none;position:relative;}.cmm-container .cmm.cmm-theme-default-461836 ul,.cmm-container .cmm.cmm-theme-default-461836 ol{list-style-type:none;}.cmm-container .cmm.cmm-theme-default-461836 ul{float:none;display:block;border:0;padding:0;position:static;}.cmm-container .cmm.cmm-theme-default-461836 ul:before,.cmm-container .cmm.cmm-theme-default-461836 ul:after{display:none;}.cmm-container .cmm.cmm-theme-default-461836 ul li{float:none;border:0;}.cmm-container .cmm.cmm-theme-default-461836 *:hover,.cmm-container .cmm.cmm-theme-default-461836 a:hover,.cmm-container .cmm.cmm-theme-default-461836 li:hover,.cmm-container .cmm.cmm-theme-default-461836 *:focus,.cmm-container .cmm.cmm-theme-default-461836 a:focus,.cmm-container .cmm.cmm-theme-default-461836 li:focus,.cmm-container .cmm.cmm-theme-default-461836 *:active,.cmm-container .cmm.cmm-theme-default-461836 a:active,.cmm-container .cmm.cmm-theme-default-461836 li:active{outline:none;}.cmm-container .cmm.cmm-theme-default-461836 a,.cmm-container .cmm.cmm-theme-default-461836 .cmm-nav-link{color:#636363;font-size:13px;font-weight:400;line-height:1.6;text-transform:none;width:auto;display:block;-webkit-box-shadow:none;box-shadow:none;}.cmm-container .cmm.cmm-theme-default-461836 a > .cmm-icon,.cmm-container .cmm.cmm-theme-default-461836 .cmm-nav-link > .cmm-icon{margin-right:5px;}.cmm-container .cmm.cmm-theme-default-461836 a > .cmm-icon i.dashicons,.cmm-container .cmm.cmm-theme-default-461836 .cmm-nav-link > .cmm-icon i.dashicons{vertical-align:sub;}.cmm-container .cmm.cmm-theme-default-461836 a:hover,.cmm-container .cmm.cmm-theme-default-461836 a:active{color:#f26522;}.cmm-container .cmm.cmm-theme-default-461836 li{height:auto;background:none;}.cmm-container .cmm.cmm-theme-default-461836 li > a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-nav-link{position:relative;}.cmm-container .cmm.cmm-theme-default-461836 li > ul,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container{position:absolute;left:100%;top:0;text-align:left;min-width:200px;z-index:999;visibility:hidden;opacity:0;transition:all 0.3s ease-in;}.cmm-container .cmm.cmm-theme-default-461836 li > ul .menu-item a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .menu-item a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .menu-item a,.cmm-container .cmm.cmm-theme-default-461836 li > ul .cmm-nav-link,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-nav-link,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-nav-link{display:block;padding:7px 20px 7px 30px;}.cmm-container .cmm.cmm-theme-default-461836 li .cmm-sub-container ul.sub-menu,.cmm-container .cmm.cmm-theme-default-461836 li .cmm-sub-container .cmm-sub-wrapper{width:auto !important;margin:0;padding:5px 0px 5px 0px;border-width:0px 0px 0px 0px;border-style:solid;border-color:rgba(255, 255, 255, 0.1);border-radius:0px 0px 0px 0px;box-shadow:0px 0px 12px 0px rgba(0, 0, 0, 0.3);background:#fff;background:-webkit-gradient(linear, left top, left bottom, from(#fff), to(#fff));background:-moz-linear-gradient(top, #fff, #fff);background:-ms-linear-gradient(top, #fff, #fff);background:-o-linear-gradient(top, #fff, #fff);background:linear-gradient(to bottom, #fff, #fff);filter:progid:DXImageTransform.Microsoft.gradient(startColorstr='#fff', endColorstr='#fff');}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container{background:none;}.cmm-container .cmm.cmm-theme-default-461836 li .cmm-sub-container > ul.sub-menu,.cmm-container .cmm.cmm-theme-default-461836 li .cmm-sub-container .cmm-sub-wrapper{position:static;display:block !important;opacity:1 !important;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .sub-menu li,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper li{position:relative;padding:0;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .sub-menu li:hover,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper li:hover,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .sub-menu li.focus,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper li.focus{padding:0;background:none;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .sub-menu li > a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper li > a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .sub-menu li > .cmm-nav-link,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper li > .cmm-nav-link{border-width:0px 0px 0px 0px;border-style:solid;border-color:rgba(255, 255, 255, 0.1);color:#636363;background-color:rgba(255, 255, 255, 0);}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .sub-menu li > a:hover,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper li > a:hover{color:#07aaba;border-style:solid;border-color:rgba(255, 255, 255, 0.1);background-color:rgba(255, 255, 255, 0);}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .sub-menu li.menu-item-has-children > .cmm-dropdown-toggle,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper li.menu-item-has-children > .cmm-dropdown-toggle{color:#636363;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .sub-menu li:last-child > a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper li:last-child > a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .sub-menu li:last-child > .cmm-nav-link,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper li:last-child > .cmm-nav-link{border-width:0px;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container{border:0;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper{position:relative;left:auto;right:auto;padding:20px 20px 20px 20px;border-width:0px 0px 0px 0px;border-style:solid;border-color:rgba(255, 255, 255, 0.1);border-radius:0px 0px 0px 0px;box-shadow:0px 0px 12px 0px rgba(0, 0, 0, 0.3);background:#fff;background:-webkit-gradient(linear, left top, left bottom, from(#fff), to(#fff));background:-moz-linear-gradient(top, #fff, #fff);background:-ms-linear-gradient(top, #fff, #fff);background:-o-linear-gradient(top, #fff, #fff);background:linear-gradient(to bottom, #fff, #fff);filter:progid:DXImageTransform.Microsoft.gradient(startColorstr='#fff', endColorstr='#fff');}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper .vc_row{position:relative;z-index:1;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper .cmm--image{position:absolute;z-index:0;right:0;bottom:0;max-height:100%;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul{left:auto;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper .widget ul.menu li + li{margin:0;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper .widget ul.menu li{margin:0;padding:0;border:0;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper .widget ul.menu li a{width:auto;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper .widget ul.menu li a:focus,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper .widget ul.menu li a:hover{box-shadow:none;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper .widget ul.menu li:hover{padding:0;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.sub-menu{left:100%;margin:0;padding:0px 0px 0px 0px;border-width:0px 0px 0px 0px;border-style:solid;border-color:rgba(255, 255, 255, 0.1);border-radius:0px 0px 0px 0px;box-shadow:0px 0px 12px 0px rgba(0, 0, 0, 0.3);background:#fff;background:-webkit-gradient(linear, left top, left bottom, from(#fff), to(#fff));background:-moz-linear-gradient(top, #fff, #fff);background:-ms-linear-gradient(top, #fff, #fff);background:-o-linear-gradient(top, #fff, #fff);background:linear-gradient(to bottom, #fff, #fff);filter:progid:DXImageTransform.Microsoft.gradient(startColorstr='#fff', endColorstr='#fff');}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu{opacity:1;display:block;visibility:inherit;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu li{padding:0;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu li:hover,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu li.focus{padding:0;background:none;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu > li > a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu > li > .cmm-nav-link{padding:8px 0px 8px 0px;border-width:0px 0px 0px 0px;border-style:solid;border-color:rgba(255, 255, 255, 0.1);color:#636363;background-color:#fff;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu > li > a:hover{color:#f26522;border-style:solid;border-color:rgba(255, 255, 255, 0.1);background-color:#fff;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu > li:last-child > a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu > li:last-child > .cmm-nav-link{border-width:0px;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu > li li a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu > li li > .cmm-nav-link{padding:8px 15px 8px 15px;border-width:0px 0px 0px 0px;border-style:solid;border-color:rgba(255, 255, 255, 0.1);color:#636363;background-color:#fff;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu > li li a:hover{color:#f26522;border-color:rgba(255, 255, 255, 0.1);border-style:solid;background-color:#fff;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu > li li.menu-item-has-children > .cmm-dropdown-toggle{color:#636363;}.cmm-container .cmm.cmm-theme-default-461836 li ul li{border:0;}.cmm-container .cmm.cmm-theme-default-461836 li ul li:hover > ul,.cmm-container .cmm.cmm-theme-default-461836 li ul li:hover > .cmm-sub-container,.cmm-container .cmm.cmm-theme-default-461836 li ul li:hover > .cmm-content-container{top:0;left:100%;right:auto;}.cmm-container .cmm.cmm-theme-default-461836 li.cmm-mega > .cmm-sub-container,.cmm-container .cmm.cmm-theme-default-461836 li.cmm-mega:hover > .cmm-sub-container{display:none !important;}.cmm-container .cmm.cmm-theme-default-461836 li.cmm-mega.cmm-layout-left_edge_item .cmm-content-container{left:0;right:auto;}.cmm-container .cmm.cmm-theme-default-461836 li.cmm-mega.cmm-layout-right_edge_item .cmm-content-container{left:auto;right:0;}.cmm-container .cmm.cmm-theme-default-461836 li.cmm-mega ul.menu{border:0;box-shadow:none;position:static;}.cmm-container .cmm.cmm-theme-default-461836 li.cmm-mega ul.menu > li{border:0;}.cmm-container .cmm.cmm-theme-default-461836 li.menu-item-has-children > a:after,.cmm-container .cmm.cmm-theme-default-461836 li.menu-item-has-children > .cmm-nav-link:after{color:inherit;font-size:12px;font-family:Dashicons;content:'\f140';line-height:1;position:absolute;top:50%;right:5px;margin:-6px 0 0 0;vertical-align:middle;display:inline-block;-webkit-transform:rotate(0);-moz-transform:rotate(0);-ms-transform:rotate(0);transform:rotate(0);}.cmm-container .cmm.cmm-theme-default-461836 li .cmm-dropdown-toggle{display:none;}.cmm-container .cmm.cmm-theme-default-461836 li:hover > ul,.cmm-container .cmm.cmm-theme-default-461836 li:hover > .cmm-sub-container,.cmm-container .cmm.cmm-theme-default-461836 li:hover > .cmm-content-container{visibility:visible;opacity:1;z-index:1000;}.cmm-container .cmm.cmm-theme-default-461836 li:hover > .cmm-sub-container > ul.sub-menu,.cmm-container .cmm.cmm-theme-default-461836 li:hover > .cmm-sub-container .cmm-sub-wrapper{visibility:visible !important;opacity:1 !important;}.cmm-container .cmm.cmm-theme-default-461836 li:hover > a{color:#f26522;}.cmm-container .cmm.cmm-theme-default-461836 > li{position:relative;display:inline-block;}.cmm-container .cmm.cmm-theme-default-461836 > li > a,.cmm-container .cmm.cmm-theme-default-461836 > li > .cmm-nav-link{color:#717171;border-width:0px 0px 2px 0px;border-style:solid;border-color:rgba(255, 255, 255, 0.1);font-size:14px;font-weight:400;text-transform:uppercase;height:50px;line-height:50px;margin:0px 0px 0px 0px;padding:0px 20px 0px 20px;background-color:rgba(0, 0, 0, 0);}.cmm-container .cmm.cmm-theme-default-461836 > li > a:hover{border-style:solid;border-color:#07aaba;color:#07aaba;background-color:rgba(0, 0, 0, 0);}.cmm-container .cmm.cmm-theme-default-461836 > li > a:active,.cmm-container .cmm.cmm-theme-default-461836 > li > a.active{background-color:rgba(0, 0, 0, 0);}.cmm-container .cmm.cmm-theme-default-461836 > li > .cmm-dropdown-toggle{color:#717171;}.cmm-container .cmm.cmm-theme-default-461836 > li:last-child > a,.cmm-container .cmm.cmm-theme-default-461836 > li:last-child > .cmm-nav-link{border-width:0px;}.cmm-container .cmm.cmm-theme-default-461836 > li > ul,.cmm-container .cmm.cmm-theme-default-461836 > li > .cmm-sub-container,.cmm-container .cmm.cmm-theme-default-461836 > li > .cmm-content-container{top:100%;left:0;}.cmm-container .cmm.cmm-theme-default-461836 > li li.menu-item-has-children > a:after,.cmm-container .cmm.cmm-theme-default-461836 > li li.menu-item-has-children > .cmm-nav-link:after{font-family:Dashicons;content:'\f139';}.cmm-container .cmm.cmm-theme-default-461836 > li:hover > ul,.cmm-container .cmm.cmm-theme-default-461836 > li:hover > .cmm-sub-container,.cmm-container .cmm.cmm-theme-default-461836 > li:hover > .cmm-content-container{top:100%;}.cmm-container .cmm.cmm-theme-default-461836 > li:hover > a,.cmm-container .cmm.cmm-theme-default-461836 > li.current-menu-item > a,.cmm-container .cmm.cmm-theme-default-461836 > li.current-menu-ancestor > a{color:#07aaba;}.cmm-container .cmm.cmm-theme-default-461836 .current-menu-item > a,.cmm-container .cmm.cmm-theme-default-461836 .current-menu-ancestor > a{color:#f26522;}.cmm-container .cmm.cmm-theme-default-461836 .widget{border:0;padding:0;margin:0;}.cmm-container .cmm.cmm-theme-default-461836 .widgettitle,.cmm-container .cmm.cmm-theme-default-461836 .widget-title,.cmm-container .cmm.cmm-theme-default-461836 .wpb_heading,.cmm-container .cmm.cmm-theme-default-461836 .clever-custom-title{font-size:15px;font-weight:600;color:#252525;text-transform:uppercase;padding:0px 0px 0px 0px;margin:0px 0px 20px 0px;border-radius:0px 0px 0px 0px;border-width:0px 0px 0px 0px;border-style:solid;border-color:rgba(255, 255, 255, 0.1);background:#fff;background:-webkit-gradient(linear, left top, left bottom, from(#fff), to(#fff));background:-moz-linear-gradient(top, #fff, #fff);background:-ms-linear-gradient(top, #fff, #fff);background:-o-linear-gradient(top, #fff, #fff);background:linear-gradient(to bottom, #fff, #fff);filter:progid:DXImageTransform.Microsoft.gradient(startColorstr='#fff', endColorstr='#fff');}.cmm-container .cmm.cmm-theme-default-461836.cmm-horizontal.cmm-horizontal-align-left{text-align:left;}.cmm-container .cmm.cmm-theme-default-461836.cmm-horizontal.cmm-horizontal-align-right{text-align:right;}.cmm-container .cmm.cmm-theme-default-461836.cmm-horizontal.cmm-horizontal-align-center{text-align:center;}.cmm-container .cmm.cmm-theme-default-461836.cmm-menu-fade-up li.menu-item-has-children > ul.menu,.cmm-container .cmm.cmm-theme-default-461836.cmm-menu-fade-up li.menu-item-has-children > .cmm-sub-container,.cmm-container .cmm.cmm-theme-default-461836.cmm-menu-fade-up li.menu-item-has-children > .cmm-content-container{top:calc(100% + 40px);}.cmm-container .cmm.cmm-theme-default-461836.cmm-menu-fade-up li.menu-item-has-children:hover > ul.menu,.cmm-container .cmm.cmm-theme-default-461836.cmm-menu-fade-up li.menu-item-has-children:hover > .cmm-sub-container,.cmm-container .cmm.cmm-theme-default-461836.cmm-menu-fade-up li.menu-item-has-children:hover > .cmm-content-container{top:0;}.cmm-container .cmm.cmm-theme-default-461836.cmm-menu-fade-up > li.menu-item-has-children:hover > ul.menu,.cmm-container .cmm.cmm-theme-default-461836.cmm-menu-fade-up > li.menu-item-has-children:hover > .cmm-sub-container,.cmm-container .cmm.cmm-theme-default-461836.cmm-menu-fade-up > li.menu-item-has-children:hover > .cmm-content-container{top:100%;}.cmm-container .cmm.cmm-theme-default-461836.cmm-no-effect li > ul,.cmm-container .cmm.cmm-theme-default-461836.cmm-no-effect li > .cmm-sub-container,.cmm-container .cmm.cmm-theme-default-461836.cmm-no-effect li > .cmm-content-container{-moz-transition:none;-webkit-transition:none;-o-transition:none;-ms-transition:none;transition:none;}.cmm-container .cmm.cmm-theme-default-461836.cmm-no-effect li:hover > ul,.cmm-container .cmm.cmm-theme-default-461836.cmm-no-effect li:hover > .cmm-sub-container,.cmm-container .cmm.cmm-theme-default-461836.cmm-no-effect li:hover > .cmm-content-container{-moz-transition:none;-webkit-transition:none;-o-transition:none;-ms-transition:none;transition:none;}@media (max-width:992px){.cmm-toggle-wrapper{display:block;}.cmm-toggle-wrapper .cmm-toggle.toggled-on .toggle-icon-close{display:inline-block;}.cmm-toggle-wrapper .cmm-toggle.toggled-on .toggle-icon-open{display:none;}.cmm-container{width:100%;clear:both;}.cmm-container .cmm.cmm-theme-default-461836{color:rgba(255, 255, 255, 0.6);display:none;position:absolute;padding:0 20px;background:#1f1f1f;background:-webkit-gradient(linear, left top, left bottom, from(#1f1f1f), to(#1f1f1f));background:-moz-linear-gradient(top, #1f1f1f, #1f1f1f);background:-ms-linear-gradient(top, #1f1f1f, #1f1f1f);background:-o-linear-gradient(top, #1f1f1f, #1f1f1f);background:linear-gradient(to bottom, #1f1f1f, #1f1f1f);filter:progid:DXImageTransform.Microsoft.gradient(startColorstr='#1f1f1f', endColorstr='#1f1f1f');}.cmm-container .cmm.cmm-theme-default-461836 a,.cmm-container .cmm.cmm-theme-default-461836 .cmm-nav-link{color:rgba(255, 255, 255, 0.6);}.cmm-container .cmm.cmm-theme-default-461836 a:hover{color:#fff;}.cmm-container .cmm.cmm-theme-default-461836 .cmm--image{display:none;}.cmm-container .cmm.cmm-theme-default-461836 .vc_row .wpb_column{width:100%;}.cmm-container .cmm.cmm-theme-default-461836 .vc_row.wpb_row{background:none !important;}.cmm-container .cmm.cmm-theme-default-461836 li,.cmm-container .cmm.cmm-theme-default-461836 > li{width:100%;position:relative !important;}.cmm-container .cmm.cmm-theme-default-461836 li{border-bottom-width:1px;border-bottom-style:dotted;border-bottom-color:rgba(255, 255, 255, 0.2);}.cmm-container .cmm.cmm-theme-default-461836 li:last-child{border-bottom:0;}.cmm-container .cmm.cmm-theme-default-461836 li.menu-item-has-children > a:before,.cmm-container .cmm.cmm-theme-default-461836 li.menu-item-has-children > .cmm-nav-link:before,.cmm-container .cmm.cmm-theme-default-461836 li.menu-item-has-children > a:after,.cmm-container .cmm.cmm-theme-default-461836 li.menu-item-has-children > .cmm-nav-link:after{display:none;}.cmm-container .cmm.cmm-theme-default-461836 li > ul,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container{width:auto !important;position:static;opacity:1;visibility:visible;display:none;box-shadow:none;overflow:hidden;padding:0 !important;background:none;}.cmm-container .cmm.cmm-theme-default-461836 li > ul.clever-toggled-on,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container.clever-toggled-on,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container.clever-toggled-on{display:block;}.cmm-container .cmm.cmm-theme-default-461836 li > ul,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper{padding:0 0 0 20px !important;border-top-width:1px;border-top-style:dotted;border-top-color:rgba(255, 255, 255, 0.2);background:none;}.cmm-container .cmm.cmm-theme-default-461836 li > ul li,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper li,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper li{border-top-width:1px;border-top-style:dotted;border-top-color:rgba(255, 255, 255, 0.2);}.cmm-container .cmm.cmm-theme-default-461836 li > ul li:last-child,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper li:last-child,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper li:last-child{border-bottom:0;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper{position:relative;left:auto;right:auto;top:auto;opacity:1;visibility:visible;display:block;box-shadow:none !important;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper .wpb_wrapper .wpb_content_element,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper .wpb_wrapper .wpb_content_element{margin:0;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper ul.menu,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper .widget ul.menu,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper .widget ul.menu{background:none;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper ul.menu .sub-menu,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu .sub-menu,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper .widget ul.menu .sub-menu,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper .widget ul.menu .sub-menu{background:none;padding-left:20px !important;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper ul.menu li a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu li a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper .widget ul.menu li a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper .widget ul.menu li a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper ul.menu li .cmm-nav-link,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu li .cmm-nav-link,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper .widget ul.menu li .cmm-nav-link,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper .widget ul.menu li .cmm-nav-link,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper ul.menu > li > a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu > li > a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper .widget ul.menu > li > a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper .widget ul.menu > li > a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper ul.menu > li > .cmm-nav-link,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu > li > .cmm-nav-link,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper .widget ul.menu > li > .cmm-nav-link,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper .widget ul.menu > li > .cmm-nav-link{padding:0;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper ul.menu li,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu li,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper .widget ul.menu li,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper .widget ul.menu li{border-bottom-width:1px;border-bottom-style:dotted;border-bottom-color:rgba(255, 255, 255, 0.2);}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper ul.menu li a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu li a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper .widget ul.menu li a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper .widget ul.menu li a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper ul.menu li .cmm-nav-link,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu li .cmm-nav-link,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper .widget ul.menu li .cmm-nav-link,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper .widget ul.menu li .cmm-nav-link{line-height:50px;border:0;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper ul.menu > li > a:hover,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu > li > a:hover,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper .widget ul.menu > li > a:hover,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper .widget ul.menu > li > a:hover{color:#fff;background:none;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper .widgettitle,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper .widgettitle,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper .widget-title,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper .widget-title,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper .wpb_heading,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper .wpb_heading,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper .clever-custom-title,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper .clever-custom-title{color:rgba(255, 255, 255, 0.6);line-height:50px;margin:0;padding:0;border-bottom-width:1px;border-bottom-style:dotted;border-bottom-color:rgba(255, 255, 255, 0.2);background:none;}.cmm-container .cmm.cmm-theme-default-461836 li .cmm-sub-container ul.sub-menu,.cmm-container .cmm.cmm-theme-default-461836 li .cmm-sub-container .cmm-sub-wrapper{box-shadow:none;background:none;}.cmm-container .cmm.cmm-theme-default-461836 li .cmm-sub-container ul.sub-menu li > a,.cmm-container .cmm.cmm-theme-default-461836 li .cmm-sub-container .cmm-sub-wrapper li > a,.cmm-container .cmm.cmm-theme-default-461836 li .cmm-sub-container ul.sub-menu li > .cmm-nav-link,.cmm-container .cmm.cmm-theme-default-461836 li .cmm-sub-container .cmm-sub-wrapper li > .cmm-nav-link{color:rgba(255, 255, 255, 0.6);}.cmm-container .cmm.cmm-theme-default-461836 li .cmm-sub-container ul.sub-menu li > a:hover,.cmm-container .cmm.cmm-theme-default-461836 li .cmm-sub-container .cmm-sub-wrapper li > a:hover{color:#fff;}.cmm-container .cmm.cmm-theme-default-461836 li .cmm-sub-container ul.sub-menu > li,.cmm-container .cmm.cmm-theme-default-461836 li .cmm-sub-container .cmm-sub-wrapper > li{padding:0;}.cmm-container .cmm.cmm-theme-default-461836 li .cmm-sub-container ul.sub-menu > li:hover,.cmm-container .cmm.cmm-theme-default-461836 li .cmm-sub-container .cmm-sub-wrapper > li:hover{padding:0;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper > .vc_row{padding:10px 0;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu > li > a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu > li > .cmm-nav-link{color:rgba(255, 255, 255, 0.6);background:none;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper ul.menu > li > a:hover{color:#fff;}.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper li > a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper li > a,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper li > .cmm-nav-link,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-content-container .cmm-content-wrapper li > .cmm-nav-link{line-height:50px;padding:0;}.cmm-container .cmm.cmm-theme-default-461836 li .vc_column-inner{padding-top:0 !important;padding-bottom:0 !important;}.cmm-container .cmm.cmm-theme-default-461836 li.menu-item-has-children > a:before,.cmm-container .cmm.cmm-theme-default-461836 li.menu-item-has-children > a:after{display:none;}.cmm-container .cmm.cmm-theme-default-461836 li .dropdown-toggle{display:none;}.cmm-container .cmm.cmm-theme-default-461836 li .cmm-dropdown-toggle{background-color:transparent;border:0;-webkit-box-shadow:none;box-shadow:none;display:block;font-size:16px;right:0;line-height:1.5;margin:0 auto;padding:13px 18px;position:absolute;text-shadow:none;top:0;}.cmm-container .cmm.cmm-theme-default-461836 li .cmm-dropdown-toggle i{transition:all 0.3s;}.cmm-container .cmm.cmm-theme-default-461836 li .cmm-dropdown-toggle.clever-toggled-on i{-ms-transform:rotate(-180deg);-webkit-transform:rotate(-180deg);transform:rotate(-180deg);}.cmm-container .cmm.cmm-theme-default-461836 > li > a,.cmm-container .cmm.cmm-theme-default-461836 > li > .cmm-nav-link{height:auto;line-height:50px;padding:0 !important;border:none;color:rgba(255, 255, 255, 0.6);}.cmm-container .cmm.cmm-theme-default-461836 > li > a{background:none !important;}.cmm-container .cmm.cmm-theme-default-461836 > li > a:hover{border:none;color:#fff;background:none !important;}.cmm-container .cmm.cmm-theme-default-461836 > li:hover > a,.cmm-container .cmm.cmm-theme-default-461836 > li.current-menu-item > a,.cmm-container .cmm.cmm-theme-default-461836 > li.current-menu-ancestor > a{color:#fff;}.cmm-container .cmm.cmm-theme-default-461836 > li > .cmm-dropdown-toggle,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .sub-menu li.menu-item-has-children > .cmm-dropdown-toggle,.cmm-container .cmm.cmm-theme-default-461836 li > .cmm-sub-container .cmm-sub-wrapper li.menu-item-has-children > .cmm-dropdown-toggle{color:rgba(255, 255, 255, 0.6);}.cmm-container .cmm.cmm-theme-default-461836 ul,.cmm-container .cmm.cmm-theme-default-461836 .widgettitle,.cmm-container .cmm.cmm-theme-default-461836 .widget-title,.cmm-container .cmm.cmm-theme-default-461836 .wpb_heading,.cmm-container .cmm.cmm-theme-default-461836 .clever-custom-title{background:none;}.cmm-container .cmm.cmm-theme-default-461836.cmm-horizontal.cmm-horizontal-align-left{text-align:left;}.cmm-container .cmm.cmm-theme-default-461836.cmm-horizontal.cmm-horizontal-align-right{text-align:left;}.cmm-container .cmm.cmm-theme-default-461836.cmm-horizontal.cmm-horizontal-align-center{text-align:left;}.cmm-container.toggled-on .cmm.cmm-theme-default-461836{display:table;}}@media (max-width:768px){.cmm-container .cmm.cmm-theme-default-461836 li.menu-item-has-children.cmm-hide-sub-items > ul.sub-menu,.cmm-container .cmm.cmm-theme-default-461836 li.menu-item-has-children.cmm-hide-sub-items > clever-sub-menu-container,.cmm-container .cmm.cmm-theme-default-461836 li.menu-item-has-children.cmm-hide-sub-items > .cmm-content-container,.cmm-container .cmm.cmm-theme-default-461836 li.menu-item-has-children.cmm-hide-sub-items > .cmm-dropdown-toggle{display:none !important;}}#menu-menu-principal { z-index: 9999999; } .cmm-container .cmm.cmm-theme-default-461836 > li > a:hover { text-decoration: none; }
y15r
Cartórios registram aumento de mais de 50% nas solicitações em meio à pandemia. Planejamento pode reduzir despesas pela metade
Segundo dados do Colégio Notarial do Brasil do Rio de Janeiro, foram feitas mais de 10 mil solicitações no segundo semestre de 2020, ou 4.500 pedidos a mais do que no semestre anterior. Já em Belo Horizonte, o crescimento no mesmo tipo de serviço foi de 54% no mesmo período.
A renda fixa não morreu. Conheça oportunidades valiosas no curso da EXAME Academy
O especialista em gestão de risco e planejamento financeiro Hilton Vieira aponta que esse comportamento pode ser explicado pelo aumento das incertezas do momento, que traz uma preocupação mais concreta sobre a morte, mesmo fenômeno que foi visto no aumento da busca pelo seguro de vida.
“Geralmente, as pessoas se esforçam para construir um patrimônio com bens e aplicações financeiras que apresentem boa rentabilidade e liquidez. Entretanto, um dos pontos mais importantes no planejamento financeiro geralmente é deixado de lado: o planejamento sucessório. Mas isso está mudando”, avalia.
Segundo o especialista, a maior preocupação de quem planeja a herança é pensar que a família precisará lidar com um inventário caro e burocrático. Portanto, é necessário se preocupar em criar uma reserva para o pagamento de impostos, como o ITCMD, além de taxas cartorárias e advogados.
“Além da disputa judicial entre herdeiros, as despesas envolvidas também são um grande problema quando se trata da herança”, afirma o especialista.
Isso porque, quando os herdeiros não têm a reserva financeira necessária para as taxas que incidem sobre a transferência de bens, uma alternativa é que uma parte do patrimônio seja disponibilizado para venda. “Quando existem dívidas, muitas famílias vendem o bem por um valor abaixo do mercado para quitá-las mais rapidamente”, afirma Vieira.
Qual modalidade de sucessão escolher?
Existem diversas formas de fazer a sucessão. Cada uma apresenta custos que, geralmente, consomem entre 10% e 15% do patrimônio, dependendo da complexidade e do tamanho do inventário. Por isso, antes de escolher a melhor opção para a sucessão, é preciso fazer contas.
“Em São Paulo, onde o imposto sobre a herança é fixo em 4%, o processo pode ser mais barato do que em outros estados, onde o tributo chega a 8%”, diz o advogado especialista em direito da família, Samir Choaib,
Para o advogado, as diferentes modalidades de sucessão devem ser vistas como parte de um pacote. A organização e o planejamento dessas soluções com antecedência, segundo ele, podem reduzir as despesas, que são altas, pela metade.
Isso acontece porque, entre outros motivos, complementa Vieira, alguns estados podem conceder descontos caso o inventário seja concluído em até 90 dias. “Há também o oposto: caso o inventário não seja aberto em até 60 dias alguns estados podem cobrar multas de 10%. E após 180 dias essa cobrança sobe para 20%, percentual que está ligado ao ITCMD.”
Enquanto a transferência de bens, holding e testamento requerem a aplicação imediata de recursos para pagamentos de impostos e despesas de cartório, produtos como previdência privada e seguro de vida podem ajudar a criar uma reserva financeira imediata para a família após a morte.
Conheça abaixo as diferentes formas de sucessão:
Testamento
Consiste em direcionar 50% dos bens em vida. Costuma evitar parte de uma disputa judicial caso a divisão seja adequada (pelo Código Processo Civil, 50% do patrimônio deve ser destinado aos herdeiros necessários: cônjuges, descendentes e ascendentes). Há a incidência de impostos e taxas.
Doação de bens em vida
Dispensa o processo de inventário. Contudo, tem a incidência de impostos, taxas cartorárias e há a possibilidade de litígio caso um herdeiro se sinta lesado pela prática.
Holding
Mais indicada para grandes patrimônios, permite efetuar a divisão das cotas em vida. Tem incidência de impostos e é um processo demorado, que gera mais custos com advogados. Caso um filho se case e divorcie após a divisão de cotas, por exemplo, o processo provavelmente terá de ser refeito.
Conta conjunta
Ter uma conta conjunta pode facilitar a transferência de bens entre cônjuges. Contudo, como cada banco tem um entendimento diferente, Choaib recomenda pedir, por escrito, instruções e esclarecimentos sobre o que acontece com o dinheiro em conta no caso de falecimento do titular
Seguro de vida
É isento de ITCMD, impenhorável (é caracterizado como benefício social) e dá liquidez imediata à familia (o dinheiro pode ser pago em 10 dias). Dessa forma, impede que a família precise se desfazer de parte do patrimônio para prosseguir com o processo de inventário, já que consegue indenizar um montante de capital alto com o pagamento de uma fração do valor que foi investido.
Previdência privada
A previdência privada não entra no processo de inventário e também pode trazer liquidez para a família realizar a transferência de bens. Contudo exige um aporte maior para que se tenha o mesmo benefício de um seguro de vida, já que seu objetivo principal é acumulação para geração de renda no futuro.
Fonte: Exame
Notícias Relacionadas
Rede Jornal Contábil – O falecido deixou uma casa que estava só na promessa de compra e venda. Ela faz parte do inventário? 4oin Note-se por importante que no caso não se transfere a PROPRIEDADE mas sim o DIREITO…
Câmara dos Deputados – Proposta submete agências reguladoras às regras da Lei de o à Informação 4h1v4m O Projeto de Lei 1745/19 inclui as agências reguladoras entre os entes que se submetem…
Clipping – Migalhas – Botafogo de Ribeirão Preto assina Escritura de Direito de Superfície do Estádio Santa Cruz 551i5w Com a guinada, clube planeja receber em sua arena o primeiro Hard Rock Café no…
Estado de Minas – Cartórios mineiros já podem reconhecer firma de forma digital; veja como 721d6s Mudança anunciada pelos Cartórios de Notas de Minas Gerais já está valendo em todo o…