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.image-right{background:#e1f0f9;color:#005486}.messageBarHero .dark-background{background-position:100%;background-size:cover}.messageBarHero .dark-background .cmp-hero__content{padding:2rem 1.5rem;z-index:-1}@media (min-width:768px){.messageBarHero .dark-background .cmp-hero__content{padding:2rem}}@media (min-width:1024px){.messageBarHero .dark-background .cmp-hero__content{height:626px;padding:2.5rem 2.0625rem 2.6875rem}.message-bar~.messageBarHero .dark-background .cmp-hero__content{padding-bottom:2.5rem}}@media (min-width:1280px){.messageBarHero .dark-background .cmp-hero__content{height:586px;padding:3rem 4.5rem}.message-bar~.messageBarHero .dark-background .cmp-hero__content{padding-bottom:6.5rem}}@media (min-width:1440px){.messageBarHero .dark-background .cmp-hero__content{max-height:626px;padding-top:4rem}.message-bar~.messageBarHero .dark-background .cmp-hero__content{padding-bottom:4rem;padding-top:6.5rem}}.messageBarHero .dark-background .cmp-hero__content-main{background:linear-gradient(90deg,#0f2d52 40%,rgba(15,45,82,0) 80%);border-radius:.25rem;padding-bottom:1.375rem;padding-top:1.375rem;position:relative;z-index:1}@media (min-width:768px){.messageBarHero .dark-background .cmp-hero__content-main{padding-bottom:1.875rem;padding-top:1.875rem}}@media (min-width:1024px){.messageBarHero .dark-background .cmp-hero__content-main{padding-bottom:2.5rem;padding-top:2.5rem}}@media (min-width:1280px){.messageBarHero .dark-background .cmp-hero__content-main{padding-bottom:3.5rem;padding-top:3.5rem}}@media (min-width:1440px){.messageBarHero .dark-background .cmp-hero__content-main{padding-bottom:2.5rem;padding-top:2.5rem}}.messageBarHero .dark-background .cmp-hero__content-main .cmp-hero__content-text,.messageBarHero .dark-background .cmp-hero__content-main .cmp-hero__content-text .cmp-hero__title{color:#fff}@media (min-width:768px){.messageBarHero .dark-background .cmp-hero__content-main .cmp-hero__content-text{width:584px}}@media (min-width:1024px){.messageBarHero .dark-background .cmp-hero__content-main .cmp-hero__content-text{width:797px}}@media (min-width:1280px){.messageBarHero .dark-background .cmp-hero__content-main .cmp-hero__content-text{width:60%}}.messageBarHero .dark-background .cmp-hero__content-main .cmp-hero__image-container{display:none}.messageBarHero .dark-background .cmp-hero__content .cmp-hero__action-link{background-color:#fff;border:#fff;color:#0f2d52}.messageBarHero .light-background{background-position:100%;background-size:cover}.messageBarHero .light-background .cmp-hero__content{padding:2rem 1.5rem}@media (min-width:768px){.messageBarHero .light-background .cmp-hero__content{padding:2rem}}@media (min-width:1024px){.messageBarHero .light-background .cmp-hero__content{height:626px;padding:2.6875rem 2.0625rem}.message-bar~.messageBarHero .light-background .cmp-hero__content{padding-bottom:2.5rem}}@media (min-width:1280px){.messageBarHero .light-background .cmp-hero__content{height:586px;padding:3rem 3.25rem}.message-bar~.messageBarHero .light-background .cmp-hero__content{padding-bottom:6.5rem}}@media (min-width:1440px){.messageBarHero .light-background .cmp-hero__content{max-height:626px}.message-bar~.messageBarHero .light-background .cmp-hero__content{padding-bottom:4rem}}.messageBarHero .light-background .cmp-hero__content-main{padding:0}.messageBarHero .light-background .cmp-hero__content-main .cmp-hero__content-text{color:#0f2d52}.messageBarHero .light-background .cmp-hero__content-main .cmp-hero__content-text h1{color:#0f2d52;padding-bottom:1rem}@media (min-width:768px){.messageBarHero .light-background .cmp-hero__content-main .cmp-hero__content-text{width:584px}}@media (min-width:1024px){.messageBarHero .light-background .cmp-hero__content-main .cmp-hero__content-text{width:797px}}@media (min-width:1280px){.messageBarHero .light-background .cmp-hero__content-main .cmp-hero__content-text{width:776px}}@media (min-width:1440px){.messageBarHero .light-background .cmp-hero__content-main .cmp-hero__content-text{width:9in}}.messageBarHero .light-background .cmp-hero__content-main .cmp-hero__image-container{display:none}.messageBarHero .cmp-hero__content{height:450px;padding:2rem 1.5rem}.messageBarHero .cmp-hero__content .cmp-hero__description{padding-bottom:1.5rem}@media (min-width:768px){.messageBarHero .cmp-hero__content .cmp-hero__description{padding-bottom:2rem}.messageBarHero .cmp-hero__content{height:550px;padding:2rem}}@media (min-width:1024px){.messageBarHero .cmp-hero__content{height:626px;padding:2.5rem 2.0625rem 2.6875rem}.message-bar~.messageBarHero .cmp-hero__content{padding-bottom:2.5rem}.messageBarHero .cmp-hero__content h1{font-size:4rem;font-style:normal;font-weight:400;line-height:4.5rem}.messageBarHero .cmp-hero__content .cmp-hero__description{font-size:1.5rem;font-style:normal;font-weight:400;line-height:2rem}}@media (min-width:1280px){.messageBarHero .cmp-hero__content{height:586px;padding:3rem 3.25rem}.message-bar~.messageBarHero .cmp-hero__content{padding-bottom:6.5rem}}@media (min-width:1440px){.messageBarHero .cmp-hero__content{max-height:626px;padding-top:4rem}.message-bar~.messageBarHero .cmp-hero__content{padding-bottom:4rem;padding-top:6.5rem}}.messageBarHero .cmp-hero__content-main{align-items:anchor-center;display:flex;gap:1rem;justify-content:space-between;margin-bottom:2rem;padding-left:2rem}@media (min-width:1024px){.messageBarHero .cmp-hero__content-main{margin-bottom:2.5rem}}@media (min-width:1200px){.messageBarHero .cmp-hero__content-main{margin-bottom:3rem}}@media (min-width:1440px){.messageBarHero .cmp-hero__content-main{margin-bottom:4rem}}.messageBarHero .cmp-hero__content-main .cmp-hero__image-container{display:none}@media (min-width:768px){.messageBarHero .cmp-hero__content-main .cmp-hero__image-container{display:inline-block;max-width:301px;min-width:301px}.messageBarHero .cmp-hero__content-main .cmp-hero__image-container img{aspect-ratio:1;border-radius:.25rem;object-fit:cover}}@media (min-width:1024px){.messageBarHero .cmp-hero__content-main .cmp-hero__image-container{max-width:390px;min-width:390px}}@media (min-width:1280px){.messageBarHero .cmp-hero__content-main .cmp-hero__image-container{max-width:376px;min-width:376px}}@media (min-width:1440px){.messageBarHero .cmp-hero__content-main .cmp-hero__image-container{max-width:26pc;min-width:26pc}}.messageBarHero .cmp-hero__content .cmp-hero__action-link{background:#0f2d52;border-radius:.25rem;color:#fff;font-family:Proxima Nova;font-size:1pc;font-style:normal;font-weight:700;line-height:20px;min-width:180px}.messageBarHero .cmp-hero__content .message-bar{align-items:stretch;background-color:#fff;border-radius:.25rem;box-shadow:0 0 15px 5px rgba(0,0,0,.1);display:flex;flex-direction:column;gap:10px;margin:auto 1rem auto auto;padding:1.5rem;position:absolute}@media (min-width:768px){.messageBarHero .cmp-hero__content .message-bar{margin-right:2.5rem}}@media (min-width:1024px){.messageBarHero .cmp-hero__content .message-bar{flex-direction:row;justify-content:space-between;max-width:83.5rem;width:calc(100% - 5rem)}}.messageBarHero .cmp-hero__content .message-bar .message-bar__box{border-bottom:1px solid hsla(0,0%,44%,.3);min-height:8.5rem;padding:.5rem;width:100%}.messageBarHero .cmp-hero__content .message-bar .message-bar__box:last-of-type{border-bottom:none}@media (min-width:1024px){.messageBarHero .cmp-hero__content .message-bar .message-bar__box{border-bottom:none;border-right:1px solid hsla(0,0%,44%,.3)}.messageBarHero .cmp-hero__content .message-bar .message-bar__box:last-of-type{border-right:none}.messageBarHero .cmp-hero__content .message-bar .message-bar__box .button-tertiary{font-size:1.125rem}}.messageBarHero .cmp-hero__content .message-bar .message-bar__box .message-bar__content{display:flex;flex-direction:column;height:100%}.messageBarHero .cmp-hero__content .message-bar .message-bar__box .message-bar__content .button-tertiary{color:#0d64ca;font-size:1rem;font-style:normal;font-weight:700;line-height:1.25rem;margin-top:auto}.messageBarHero .cmp-hero__content .message-bar .message-bar__box .message-bar__box-desc{color:#333}.messagebarhero:has(.message-bar){margin-bottom:30rem}@media (min-width:768px){.messagebarhero:has(.message-bar){margin-bottom:17rem}}@media (min-width:1024px){.messagebarhero:has(.message-bar){margin-bottom:4rem}}.cmp-hero__content:not(:has(.message-bar)){display:flex}.cmp-hero__content:not(:has(.message-bar)) .cmp-hero__content-main{margin:0}.mk-hero-l1{margin:0 auto;max-width:82pc;width:auto}@media only screen and (min-width:1280px) and (max-width:1439px){.mk-hero-l1{max-width:882pt}}@media only screen and (min-width:1024px) and (max-width:1279px){.mk-hero-l1{max-width:60pc}}@media only screen and (min-width:768px) and (max-width:1023px){.mk-hero-l1{margin:2pc}}@media only screen and (max-width:767px){.mk-hero-l1{margin:24px;width:fit-content}}.mk-hero-l1__container{align-items:center;background:#e6eef3;display:flex;gap:2pc;padding:3pc}@media only screen and (min-width:1280px) and (max-width:1439px){.mk-hero-l1__container{gap:24px;padding:40px}}@media only screen and (min-width:1024px) and (max-width:1279px){.mk-hero-l1__container{gap:1pc;padding:2pc}}@media only screen and (min-width:768px) and (max-width:1023px){.mk-hero-l1__container{gap:1pc;padding:24px}}@media only screen and (max-width:767px){.mk-hero-l1__container{padding:1pc}}.mk-hero-l1__container .mk-hero-l1__content{display:flex;flex:1 0 19%;flex-direction:column;max-width:44pc;width:100%}.mk-hero-l1__container .mk-hero-l1__content .mk-hero-l1__headline{color:#005486;font-family:Newsreader,Times New Roman,serif;font-size:4pc;font-style:normal;font-weight:400;line-height:72px;margin:0 0 24px;padding:0}@media only screen and (max-width:1023px){.mk-hero-l1__container .mk-hero-l1__content .mk-hero-l1__headline{font-size:2pc;line-height:40px}}@media only screen and (max-width:767px){.mk-hero-l1__container .mk-hero-l1__content .mk-hero-l1__headline{margin:0 0 1pc}}.mk-hero-l1__container .mk-hero-l1__content .mk-hero-l1__subcopy{color:#005486;font-family:proxima-nova,Helvetica,Verdana,sans-serif;font-size:24px;font-style:normal;font-weight:400;line-height:2pc;margin:0 0 2pc;padding:0}@media only screen and (max-width:1023px){.mk-hero-l1__container .mk-hero-l1__content .mk-hero-l1__subcopy{font-size:18px;line-height:24px}}@media only screen and (max-width:767px){.mk-hero-l1__container .mk-hero-l1__content .mk-hero-l1__subcopy{margin:0 0 24px}}.mk-hero-l1__container .mk-hero-l1__content .mk-hero-l1__cta{align-items:center;background:#0f2d52;border-radius:4px;color:#fff;display:flex;font-family:proxima-nova,Helvetica,Verdana,sans-serif;font-size:1pc;font-style:normal;font-weight:700;height:50px;line-height:20px;padding:0 2pc;width:max-content}.mk-hero-l1__container .mk-hero-l1__content .mk-hero-l1__cta:hover{background:#fff;border:1px solid #0f2d52;color:#0f2d52;cursor:pointer;text-decoration:none}.mk-hero-l1__container .mk-hero-l1__content .mk-hero-l1__cta:focus{background:#fff;border:1px solid #0f2d52;color:#0f2d52;outline:2px solid #0f2d52;outline-offset:2px;text-decoration:none}@media only screen and (max-width:767px){.mk-hero-l1__container .mk-hero-l1__content .mk-hero-l1__cta{justify-content:center;width:100%}}@media only screen and (min-width:768px){.mk-hero-l1__container .mk-hero-l1__media{align-self:stretch;flex:1 0 0}.mk-hero-l1__container .mk-hero-l1__media img{border-radius:4px;height:100%}}@media only screen and (max-width:767px){.mk-hero-l1__container .mk-hero-l1__media{display:none}}.mk-hero-l1__links-container .mk-hero-l1__links{border-bottom:1px solid hsla(0,0%,44%,.3);box-shadow:0 -6px 15px -6px rgba(0,0,0,.1);display:flex;justify-content:space-around;margin:0;padding:40px 2pc}@media only screen and (max-width:767px){.mk-hero-l1__links-container .mk-hero-l1__links{align-items:center;flex-direction:column;padding:1pc}}@media only screen and (min-width:1024px) and (max-width:1279px){.mk-hero-l1__links-container .mk-hero-l1__links{padding:2pc 24px}}@media only screen and (min-width:768px) and (max-width:1023px){.mk-hero-l1__links-container .mk-hero-l1__links{padding:24px 1pc}}.mk-hero-l1__links-container .mk-hero-l1__links .mk-hero-l1__link{align-items:center;display:flex;gap:4px}.mk-hero-l1__links-container .mk-hero-l1__links .mk-hero-l1__link .mk-hero-l1__link-anchor{font-family:proxima-nova,Helvetica,Verdana,sans-serif;font-size:18px;font-style:normal;font-weight:700;line-height:22.5px}@media only screen and (min-width:768px) and (max-width:1023px){.mk-hero-l1__links-container .mk-hero-l1__links .mk-hero-l1__link .mk-hero-l1__link-anchor{font-size:1pc}}.mk-hero-l1__links-container .mk-hero-l1__links .mk-hero-l1__link-divider{background:hsla(0,0%,44%,.3);height:24px;width:1px}@media only screen and (max-width:767px){.mk-hero-l1__links-container .mk-hero-l1__links .mk-hero-l1__link-divider{height:1px;margin:24px 0;width:100%}}.mk-hero-l1__links-container .mk-hero-l1__links--left{justify-content:flex-start}.mk-hero-l1--escher .mk-hero-l1__container{padding:0}.mk-hero-l1--escher .mk-hero-l1__content{padding:3pc 0 3pc 3pc}@media only screen and (min-width:1280px) and (max-width:1439px){.mk-hero-l1--escher .mk-hero-l1__content{padding:40px 0 40px 40px}}@media only screen and (min-width:1024px) and (max-width:1279px){.mk-hero-l1--escher .mk-hero-l1__content{padding:2pc 0 2pc 2pc}}@media only screen and (min-width:768px) and (max-width:1023px){.mk-hero-l1--escher .mk-hero-l1__content{padding:24px 0 24px 24px}}@media only screen and (max-width:767px){.mk-hero-l1--escher .mk-hero-l1__content{padding:24px}}.mk-hero-l1--escher .mk-hero-l1__media{align-self:stretch;display:flex;flex:1 0 0}.mk-hero-l1--escher .mk-hero-l1__media img{display:block;height:100%;width:100%}@media only screen and (max-width:767px){.mk-hero-l1--escher .mk-hero-l1__media{display:none}.mk-hero-l1--escher .mk-hero-l1__links .mk-hero-l1__link-divider{margin:1pc 0}}@media (min-width:1024px){.heroBanner-Lvl23{margin:auto;max-width:82pc!important}}@media (min-width:1024px) and (max-width:1279px){.heroBanner-Lvl23{max-width:64pc!important}}.heroBanner-Lvl23.level-2 .level-container{display:flex;flex-direction:column-reverse}@media (min-width:768px){.heroBanner-Lvl23.level-2 .level-container{flex-direction:row}}.heroBanner-Lvl23.level-2 .level-container .content{align-items:center;background-color:#005486;display:flex;padding:1.5rem}@media (min-width:768px){.heroBanner-Lvl23.level-2 .level-container .content{padding:0 1.5rem;width:70%}}@media (min-width:1024px){.heroBanner-Lvl23.level-2 .level-container .content{padding:0 2rem}}@media (min-width:1440px){.heroBanner-Lvl23.level-2 .level-container .content{padding:0 2.5rem}}.heroBanner-Lvl23.level-2 .level-container .content h1{color:#fff;font-weight:400;padding-top:0}.heroBanner-Lvl23.level-2 .level-container .content .image-text-container{display:none}.heroBanner-Lvl23.level-2 .level-container .image img{height:9.375rem;object-fit:cover;overflow:hidden;width:100%}@media (min-width:768px){.heroBanner-Lvl23.level-2 .level-container .image img{height:11.875rem;width:14rem}}@media (min-width:1024px){.heroBanner-Lvl23.level-2 .level-container .image img{height:16.5rem;width:24.4375rem}}@media (min-width:1280px){.heroBanner-Lvl23.level-2 .level-container .image img{height:18.75rem;width:23.5rem}}@media (min-width:1440px){.heroBanner-Lvl23.level-2 .level-container .image img{height:21.875rem;width:26rem}}.heroBanner-Lvl23.level-3 .level-container{background-color:#e7eaee;display:flex;flex-direction:column-reverse}@media (min-width:768px){.heroBanner-Lvl23.level-3 .level-container{flex-direction:row}}.heroBanner-Lvl23.level-3 .level-container .content{align-self:center;display:flex;flex-direction:column;height:100%;justify-content:center;padding:1rem 1.5rem}@media (max-width:768px){.heroBanner-Lvl23.level-3 .level-container .content{align-self:flex-start}}@media (min-width:768px){.heroBanner-Lvl23.level-3 .level-container .content{min-height:11rem;padding:1rem;width:70%}}@media (min-width:1024px){.heroBanner-Lvl23.level-3 .level-container .content{min-height:19.5rem;padding:1rem 1.5rem}}@media (min-width:1280px){.heroBanner-Lvl23.level-3 .level-container .content{min-height:16rem;padding:1.5rem 2.5rem}}@media (min-width:1440px){.heroBanner-Lvl23.level-3 .level-container .content{min-height:16rem;padding:1.5rem 2.5rem}}.heroBanner-Lvl23.level-3 .level-container .content h1{font-size:2rem;font-weight:400;line-height:2.5rem;padding-top:0}@media (min-width:1024px){.heroBanner-Lvl23.level-3 .level-container .content h1{font-size:4rem;line-height:4.5rem}}.heroBanner-Lvl23.level-3 .level-container .content .image-text-container{display:flex;gap:1rem;margin-top:1rem}.heroBanner-Lvl23.level-3 .level-container .content .image-text-container .image-icon{border-radius:.5rem;height:3rem;object-fit:fill;width:3rem}.heroBanner-Lvl23.level-3 .level-container .content .image-text-container .author-text{display:flex;flex-direction:column;font-size:1rem;font-style:normal;font-weight:400;line-height:1.5rem}@media (min-width:1024px){.heroBanner-Lvl23.level-3 .level-container .content .image-text-container .author-text{align-items:center;flex-direction:row}.heroBanner-Lvl23.level-3 .level-container .content .image-text-container .author-text a{border-right:1px solid #333;padding-right:.5rem}}.heroBanner-Lvl23.level-3 .level-container .content .image-text-container .author-text p{margin-bottom:0}@media (min-width:1024px){.heroBanner-Lvl23.level-3 .level-container .content .image-text-container .author-text p{padding-left:.5rem}}.heroBanner-Lvl23.level-3 .level-container .content .image-text-container .date{color:#0f2d52;font-size:1rem;font-style:normal;font-weight:400;line-height:1.5rem}@media (min-width:768px){.heroBanner-Lvl23.level-3 .level-container .image{width:30%}}.heroBanner-Lvl23.level-3 .level-container .image img{height:100%;object-fit:cover;object-position:center;overflow:hidden;width:100%}@media (max-width:767px){.heroBanner-Lvl23.level-3 .level-container .image img{height:9.375rem}}@media print{.article__header .article__social-share,.mackenzie__article-content .article__share,.off-canvas-content>nav,.site-footer .cell:not(.copyright-section),.site-nav,.site-search{display:none}}.mkz--teaser .mkz--teaser-heading{color:#005486;font-size:1.25rem;font-weight:700;line-height:1.5rem;margin-bottom:1rem;margin-top:0}@media screen and (min-width:1024px){.mkz--teaser .mkz--teaser-heading{font-size:1.5rem;line-height:.3in}}.mkz--teaser .mkz--teaser-body{font-size:1rem;font-weight:500;line-height:1.5rem;margin-bottom:1.5rem;margin-top:0}.mkz--teaser .mkz--teaser-link-container{align-items:flex-start;display:flex;flex-direction:column;gap:1.5rem}@media screen and (min-width:1280px){.mkz--teaser .mkz--teaser-link-container{flex-direction:row;flex-wrap:wrap;gap:2rem}}.mkz--teaser .mkz--teaser-link{color:#0d64ca;display:inline-flex;font-size:1rem;font-weight:700;gap:4px;line-height:1.25rem}@media screen and (min-width:1024px){.mkz--teaser .mkz--teaser-link{font-size:18px;line-height:22.5px}}.mkz--teaser .button.button-tertiary{align-items:center;display:inline-flex;gap:.25rem;justify-content:center;padding:0!important}.mkz--teaser .button.button-tertiary:after{position:relative;top:2px}.mkz--teaser .button.button-tertiary .download-icon,.mkz--teaser .button.button-tertiary .lock-icon{display:none;height:1.5rem;width:1.5rem}.mkz--teaser .button.button-tertiary[href$=".pdf"]:after,.mkz--teaser .button.button-tertiary[href$=".xls"]:after,.mkz--teaser .button.button-tertiary[href$=".xlsx"]:after{display:none}.mkz--teaser .button.button-tertiary[href$=".pdf"] .download-icon,.mkz--teaser .button.button-tertiary[href$=".xls"] .download-icon,.mkz--teaser .button.button-tertiary[href$=".xlsx"] .download-icon{align-items:center;display:inline-flex;justify-content:center}.mkz--teaser .button.button-tertiary[href^="http://"]:after,.mkz--teaser .button.button-tertiary[href^="https://"]:after{content:url(https://ig.ca/content/dam/mackenzie/external_link.svg)}.mkz--teaser .button.button-tertiary[href*="/ia"]:after,.mkz--teaser .button.button-tertiary[href*="/secure/"]:after{display:none}.mkz--teaser .button.button-tertiary[href*="/ia"] .lock-icon,.mkz--teaser .button.button-tertiary[href*="/secure/"] .lock-icon{align-items:center;display:inline-flex;justify-content:center}