@font-face{font-family:euclidCircular;src:url(../fonts/a41b42e1a9703195-s.p.woff2) format("woff2");font-display:swap;font-weight:400;font-style:normal}@font-face{font-family:euclidCircular;src:url(../fonts/243b6dfb2e48e7ed-s.p.woff2) format("woff2");font-display:swap;font-weight:500;font-style:normal}@font-face{font-family:euclidCircular;src:url(../fonts/70a526c127b6fc39-s.p.woff2) format("woff2");font-display:swap;font-weight:600;font-style:normal}@font-face{font-family:euclidCircular;src:url(../fonts/0aa2ebf4cf06f243-s.p.woff2) format("woff2");font-display:swap;font-weight:700;font-style:normal}@font-face{font-family:euclidCircular;src:url(../fonts/16dd4bd8d05edb0f-s.p.woff2) format("woff2");font-display:swap;font-weight:700;font-style:italic}@font-face{font-family:euclidCircular Fallback;src:local("Arial");ascent-override:93.47%;descent-override:25.05%;line-gap-override:0.00%;size-adjust:106.98%}.__className_1066a3{font-family:euclidCircular,euclidCircular Fallback}.__variable_1066a3{--font-euclid-circular-b:"euclidCircular","euclidCircular Fallback"}.HeaderDisclosure_root__ktEah{position:absolute;top:0;bottom:0;right:32px;display:flex;align-items:center}.HeaderDisclosure_trigger__Nq_Di{font-family:var(--font-euclid-circular-b);font-size:.75rem;cursor:pointer;color:rgb(255 255 255)}.HeaderDisclosure_trigger__Nq_Di:hover{text-decoration:underline}.HeaderDisclosure_content__un1yq{z-index:30;font-family:var(--font-euclid-circular-b);font-size:.875rem;max-width:380px;padding:24px;color:rgb(51 51 51);background-color:rgb(255 255 255);border:1px solid rgb(226 226 226);border-radius:10px;box-shadow:0 3px 15px rgb(51 51 51/43.1%);animation-duration:.4s;animation-timing-function:cubic-bezier(.16,1,.3,1);will-change:transform,opacity}@media (min-width:768px){.HeaderDisclosure_content__un1yq{max-width:500px}}.HeaderDisclosure_content__un1yq[data-state=open][data-side=bottom]{animation-name:HeaderDisclosure_slideUpAndFade__kZDPZ}.HeaderDisclosure_content__un1yq a{color:inherit}.HeaderDisclosure_content__un1yq a:hover{text-decoration:none}@keyframes HeaderDisclosure_slideUpAndFade__kZDPZ{0%{opacity:0;transform:translateY(2px)}to{opacity:1;transform:translateY(0)}}.HeaderLogo_link__unvdn{display:block}.HeaderLogo_logo__QoUID{fill:rgb(255 255 255)}.HeaderLogo_logoForbes__Qb0b3{width:63px;height:24px}@media (min-width:1024px){.HeaderLogo_logoForbes__Qb0b3{width:104px;height:28px}}.HeaderLogo_logoAdvisor__pGUrn{width:193px;height:29px}.HeaderLogo_logoHealth__ppOq_{width:181px;height:28px}.Main_root__BIOSi{flex-grow:1}:root{--color-white:rgb(255 255 255);--color-black:rgb(0 0 0);--color-primary-50:rgb(242 245 244);--color-primary-300:rgb(209 229 225);--color-primary-500:rgb(156 184 178);--color-primary-700:rgb(101 126 121);--color-primary-750:rgb(70 99 93);--color-primary-800:rgb(60 92 85);--color-accent-50:rgb(246 245 243);--color-accent-300:rgb(255 240 212);--color-neutral-50:rgb(244 245 248);--color-neutral-200:rgb(215 220 229);--color-neutral-500:rgb(127 139 154);--color-neutral-600:rgb(97 106 118);--color-neutral-800:rgb(56 60 67);--color-neutral-900:rgb(30 33 37);--color-feedback-danger:rgb(235 64 21);--color-feedback-warning:rgb(255 177 54);--color-feedback-success:rgb(12 118 99);--color-bg-body:var(--color-white);--color-bg-neutral-subtle:var(--color-neutral-50);--color-fg-body:var(--color-neutral-800);--color-fg-heading:var(--color-neutral-900);--color-fg-caption:var(--color-neutral-600);--breakpoint-md:768px;--breakpoint-lg:992px;--breakpoint-xl:1200px;--breakpoint-xxl:1400px;--spacing-none:0;--spacing-2xs:2px;--spacing-xs:4px;--spacing-sm:8px;--spacing-md:12px;--spacing-lg:16px;--spacing-xl:24px;--spacing-2xl:32px;--spacing-3xl:40px;--spacing-4xl:48px;--layout-full-width-max-width:1330px;--layout-with-sidebar-main-max-width:990px;--layout-with-sidebar-gap:var(--spacing-2xl);--layout-with-sidebar-sidebar-width:300px;--font-family-sans-serif:var(--font-euclid-circular-b);--font-family-serif:"Georgia",serif;--font-weight-normal:400;--font-weight-medium:500;--font-weight-semibold:600;--font-weight-bold:700;--font-size-display:32px;--font-size-heading-sm:20px;--font-size-heading-md:24px;--font-size-heading-lg:24px;--font-size-title-xs:14px;--font-size-title-sm:16px;--font-size-title-md:16px;--font-size-title-lg:18px;--font-size-body-xs:12px;--font-size-body-sm:14px;--font-size-body-md:16px;--font-size-body-lg:18px;--font-size-eyebrow-lg:16px;--font-size-eyebrow-md:14px;--font-size-eyebrow-sm:12px;--font-size-eyebrow-xs:10px;--line-height-2xs:16px;--line-height-xs:18px;--line-height-sm:20px;--line-height-md:24px;--line-height-lg:20px;--line-height-xl:24px;--line-height-xxl:26px;--line-height-3xl:32px;--line-height-4xl:36px;--line-height-5xl:40px;--border-width-none:0;--border-width-xs:1px;--border-width-sm:2px;--border-width-md:4px;--border-width-lg:8px;--border-radius-none:0;--border-radius-xs:4px;--border-radius-sm:8px;--border-radius-md:12px;--border-radius-lg:16px;--border-radius-xl:24px;--box-shadow-4dp:0 4px 8px -1px rgb(0 0 0/10%),0 0 1px 0 rgb(0 0 0/5%);--box-shadow-8dp:0 8px 16px -3px rgb(0 0 0/20%),0 0 3px 0 rgb(0 0 0/10%);--box-shadow-16dp:0 16px 20px -5px rgb(0 0 0/18%),0 0 4px 0 rgb(0 0 0/14%);--button-primary-color:var(--color-white);--button-primary-background-color:var(--color-primary-700);--button-primary-hover-background-color:var(--color-primary-750);--button-primary-hover-box-shadow:var(--box-shadow-4dp);--button-primary-active-background-color:var(--color-primary-750);--button-secondary-color:var(--color-primary-700);--button-secondary-background-color:var(--color-primary-50);--button-secondary-border-color:var(--color-primary-700);--button-secondary-border-width:var(--border-width-xs);--button-secondary-hover-background-color:var(--color-primary-300);--button-secondary-hover-border-width:var(--border-width-sm);--button-secondary-active-background-color:var(--color-primary-500);--button-ghost-color:var(--color-primary-800);--button-ghost-border-width:var(--border-width-xs);--button-ghost-hover-background-color:var(--color-primary-300);--button-ghost-hover-box-shadow:var(--box-shadow-4dp);--button-ghost-active-background-color:var(--color-primary-500);--text-ul-li-marker-color:var(--color-fg-body);--table-font-family:var(--font-family-sans-serif);--table-data-text-align:left}@media (min-width:768px){:root{--font-size-display:48px;--font-size-heading-sm:24px;--font-size-heading-md:28px;--font-size-heading-lg:32px;--font-size-title-md:18px;--font-size-title-lg:20px;--line-height-lg:24px;--line-height-xl:26px;--line-height-xxl:32px;--line-height-3xl:36px;--line-height-4xl:40px;--line-height-5xl:58px}}@media (min-width:992px){:root{--font-size-display:56px;--font-size-heading-md:32px;--font-size-heading-lg:48px;--line-height-3xl:40px;--line-height-4xl:58px;--line-height-5xl:68px;--layout-with-sidebar-gap:var(--spacing-3xl)}}:root{--text-base-font-family:var(--font-family-serif);--text-base-font-size:var(--font-size-body-md);--text-base-color:var(--color-fg-body);--text-base-line-height:var(--line-height-xl);--text-a-color:var(--color-primary-700);--text-a-text-decoration:none;--text-a-hover-text-decoration:underline;--text-a-hover-color:var(--color-primary-700);--text-heading-font-family:var(--font-family-sans-serif);--text-heading-color:var(--color-fg-heading);--text-h1-font-size:var(--font-size-heading-lg);--text-h1-line-height:var(--line-height-xl);--text-h2-font-size:var(--font-size-heading-md);--text-h2-line-height:var(--line-height-3xl);--text-h3-font-size:var(--font-size-heading-sm);--text-h3-line-height:var(--line-height-xl);--text-h4-font-size:var(--font-size-title-lg);--text-h4-line-height:var(--line-height-xl);--text-h5-font-size:var(--font-size-title-xs);--text-h5-line-height:var(--line-height-xs);--text-p-margin-top:var(--spacing-lg);--text-p-margin-bottom:var(--spacing-lg);--text-ul-padding-inline-start:0.8em;--text-ol-padding-inline-start:0.8em;--text-ol-li-marker-color:var(--color-fg-body);--ad-disclosure-padding:var(--spacing-sm);--ad-disclosure-background-color:var(--color-bg-neutral-subtle);--ad-disclosure-text-color:var(--color-fg-heading);--ad-disclosure-text-font-family:var(--font-family-sans-serif);--ad-disclosure-text-font-size:var(--font-size-eyebrow-xs);--ad-disclosure-popover-trigger-color:var(--color-neutral-900);--ad-disclosure-popover-content-font-family:var(--font-family-sans-serif);--ad-disclosure-popover-content-padding:var(--spacing-lg);--ad-disclosure-popover-content-max-width:360px;--ad-disclosure-popover-content-border-radius:10px;--ad-disclosure-popover-content-background-color:var(--color-white);--ad-disclosure-popover-content-box-shadow:0 0 3px rgb(27 30 35/10%);--ad-disclosure-popover-content-z-index:20;--ad-disclosure-popover-content-text-font-family:var(
    --font-family-sans-serif
  );--ad-disclosure-popover-content-text-font-size:var(--font-size-body-sm);--ad-disclosure-popover-content-text-margin:0;--ad-disclosure-popover-content-text-line-height:var(--line-height-xl);--ad-disclosure-popover-content-text-color:rgb(51 51 51);--author-info-font-family:var(--font-family-sans-serif);--author-info-name-color:var(--color-fg-body);--author-info-position-text-color:var(--color-fg-caption);--author-info-tooltip-border-color:var(--color-neutral-200);--author-info-tooltip-role-color:var(--color-neutral-600);--author-info-tooltip-show-more-link-color:var(--color-primary-700);--button-font-family:var(--font-family-sans-serif);--button-border-radius:var(--border-radius-xs);--button-focus-visible-outline-color:var(--color-feedback-focus);--button-font-weight:var(--font-weight-semibold);--button-large-padding-x:var(--spacing-xl);--button-large-padding-y:var(--spacing-md);--button-large-font-size:var(--font-size-title-sm);--button-small-padding-x:var(--spacing-lg);--button-small-padding-y:var(--spacing-md);--button-small-font-size:var(--font-size-body-sm);--cover-light-background-color:var(--color-white);--cover-dark-background-color:var(--color-black);--cover-light-body-color:var(--color-fg-body);--cover-light-heading-color:var(--color-fg-heading);--cover-dark-body-color:var(--color-white);--cover-dark-heading-color:var(--color-white);--cover-content-padding-top:var(--spacing-sm);--cover-content-padding-bottom:var(--spacing-sm);--cover-base-font-family:var(--font-family-sans-serif);--cover-base-font-size:var(--font-size-body-sm);--cover-base-line-height:var(--line-height-sm);--cover-h1-font-size:var(--font-size-heading-lg);--cover-h1-line-height:var(--line-height-xl);--cover-h1-margin-bottom:var(--spacing-none);--cover-p-margin-top:var(--spacing-xs);--cover-image-container-hidden-display:none;--publish-date-font-size:var(--font-size-body-xs);--publish-date-font-color:var(--color-fg-caption);--section-with-sidebar-max-width:var(--layout-full-width-max-width);--section-with-sidebar-padding:0 var(--spacing-lg);--section-with-sidebar-gap:var(--layout-with-sidebar-gap);--section-with-sidebar-grid-template-columns:minmax(0,1fr);--separator-border-width:var(--border-width-md);--separator-border-color:var(--color-neutral-900);--separator-margin:var(--spacing-xl);--sidebar-articles-heading-font-family:var(--font-family-sans-serif);--sidebar-articles-item-title-font-family:var(--font-family-sans-serif);--sidebar-articles-item-action-text-font-family:var(
    --font-family-sans-serif
  );--table-border-collapse:collapse;--table-overflow:hidden;--table-borer-radius:var(--border-radius-sm);--table-header-padding:var(--spacing-sm);--table-header-text-align:center;--table-header-background-color:var(--color-primary-700);--table-header-font-color:var(--color-white);--table-header-font-weight:var(--font-weight-semibold);--table-header-font-size:var(--font-size-body-lg);--table-header-border-style:none;--table-data-text-align:center;--table-data-padding:var(--spacing-sm);--table-data-background-color:var(--color-white);--table-data-border-style:none;--table-data-line-height:var(--line-height-lg);--table-data-font-size:var(--font-size-body-lg);--table-odd-row-background-color:var(--color-neutral-50);--table-even-row-background-color:var(--color-white);--carousel-container-padding:var(--spacing-lg);--carousel-slide-border-color:var(--color-neutral-200);--carousel-slide-border-radius:var(--border-radius-xs);--carousel-slide-background-color:var(--color-white);--carousel-slide-margin:0 10px;--carousel-slide-padding:var(--spacing-lg,--spacing-xl);--carousel-slide-box-shadow:var(--box-shadow-4dp);--carousel-arrow-position-top:50%;--carousel-arrow-position-width:80px;--carousel-arrow-position-height:100%;--carousel-arrow-z-index:3;--carousel-next-arrow-position-left:calc(100% + 10px);--carousel-prev-arrow-position-left:-10px;--carousel-arrow-width:10px;--carousel-arrow-height:10px;--carousel-next-arrow-margin-left:var(--spacing-sm);--carousel-prev-arrow-margin-left:var(--spacing-sm)}@media (min-width:768px){:root{--ad-disclosure-popover-content-max-width:429px;--ad-disclosure-text-font-size:var(--font-size-body-xs);--cover-content-padding-top:var(--spacing-lg);--cover-content-padding-bottom:var(--spacing-lg);--cover-h1-line-height:var(--line-height-xxl);--cover-h1-margin-bottom:var(--spacing-sm);--cover-image-container-hidden-display:block;--cover-p-margin-top:var(--spacing-sm);--publish-date-text-align:right;--text-base-font-size:var(--font-size-body-lg)}}@media (min-width:992px){:root{--cover-h1-line-height:var(--line-height-4xl);--section-with-sidebar-sidebar-width:var(
      --layout-with-sidebar-sidebar-width
    );--section-with-sidebar-grid-template-columns:minmax(0,1fr) var(--layout-with-sidebar-sidebar-width)}}