Book Brunch: The Dumb Things Smart People Do With Their Money Numbers 12 and 13

The Dumb Things Smart People Do With Their Money: ‘Dumb Thing #12: You don’t have a will.’ and ‘Dumb Thing #13: You try to time the market”

To enjoy this content, simply sign up for a free Penny Forward guest membership. If you’re already a member, just log in using the form below. We’re excited to have you on board!

Leave a Reply Cancel reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Posted

08/26/2024

in

Penny Forward, Tuesday Turning Pages Book Brunch

by

Shawn Satterfield

Tags:

Jill Schlesinger

.wp-block-site-logo{box-sizing:border-box;line-height:0;}.wp-block-site-logo a{display:inline-block;line-height:0;}.wp-block-site-logo.is-default-size img{height:auto;width:120px;}.wp-block-site-logo img{height:auto;max-width:100%;}.wp-block-site-logo a,.wp-block-site-logo img{border-radius:inherit;}.wp-block-site-logo.aligncenter{margin-left:auto;margin-right:auto;text-align:center;}:root :where(.wp-block-site-logo.is-style-rounded){border-radius:9999px;}.wp-block-columns{align-items:normal !important;box-sizing:border-box;display:flex;flex-wrap:wrap !important;}@media (min-width:782px){.wp-block-columns{flex-wrap:nowrap !important;}}.wp-block-columns.are-vertically-aligned-top{align-items:flex-start;}.wp-block-columns.are-vertically-aligned-center{align-items:center;}.wp-block-columns.are-vertically-aligned-bottom{align-items:flex-end;}@media (max-width:781px){.wp-block-columns:not(.is-not-stacked-on-mobile)>.wp-block-column{flex-basis:100% !important;}}@media (min-width:782px){.wp-block-columns:not(.is-not-stacked-on-mobile)>.wp-block-column{flex-basis:0;flex-grow:1;}.wp-block-columns:not(.is-not-stacked-on-mobile)>.wp-block-column[style*=flex-basis]{flex-grow:0;}}.wp-block-columns.is-not-stacked-on-mobile{flex-wrap:nowrap !important;}.wp-block-columns.is-not-stacked-on-mobile>.wp-block-column{flex-basis:0;flex-grow:1;}.wp-block-columns.is-not-stacked-on-mobile>.wp-block-column[style*=flex-basis]{flex-grow:0;}:where(.wp-block-columns){margin-bottom:1.75em;}:where(.wp-block-columns.has-background){padding:1.25em 2.375em;}.wp-block-column{flex-grow:1;min-width:0;overflow-wrap:break-word;word-break:break-word;}.wp-block-column.is-vertically-aligned-top{align-self:flex-start;}.wp-block-column.is-vertically-aligned-center{align-self:center;}.wp-block-column.is-vertically-aligned-bottom{align-self:flex-end;}.wp-block-column.is-vertically-aligned-stretch{align-self:stretch;}.wp-block-column.is-vertically-aligned-bottom,.wp-block-column.is-vertically-aligned-center,.wp-block-column.is-vertically-aligned-top{width:100%;}.wp-block-navigation .wp-block-navigation-item__label{overflow-wrap:break-word;}.wp-block-navigation .wp-block-navigation-item__description{display:none;}.link-ui-tools{border-top:1px solid #f0f0f0;padding:8px;}.link-ui-block-inserter{padding-top:8px;}.link-ui-block-inserter__back{margin-left:8px;text-transform:uppercase;}.wp-block-search__button{margin-left:10px;word-break:normal;}.wp-block-search__button.has-icon{line-height:0;}.wp-block-search__button svg{height:1.25em;min-height:24px;min-width:24px;width:1.25em;fill:currentColor;vertical-align:text-bottom;}:where(.wp-block-search__button){border:1px solid #ccc;padding:6px 10px;}.wp-block-search__inside-wrapper{display:flex;flex:auto;flex-wrap:nowrap;max-width:100%;}.wp-block-search__label{width:100%;}.wp-block-search__input{appearance:none;border:1px solid #949494;flex-grow:1;margin-left:0;margin-right:0;min-width:3rem;padding:8px;text-decoration:unset !important;}.wp-block-search.wp-block-search__button-only .wp-block-search__button{flex-shrink:0;margin-left:0;max-width:100%;}.wp-block-search.wp-block-search__button-only .wp-block-search__button[aria-expanded=true]{max-width:calc(100% - 100px);}.wp-block-search.wp-block-search__button-only .wp-block-search__inside-wrapper{min-width:0 !important;transition-property:width;}.wp-block-search.wp-block-search__button-only .wp-block-search__input{flex-basis:100%;transition-duration:.3s;}.wp-block-search.wp-block-search__button-only.wp-block-search__searchfield-hidden,.wp-block-search.wp-block-search__button-only.wp-block-search__searchfield-hidden .wp-block-search__inside-wrapper{overflow:hidden;}.wp-block-search.wp-block-search__button-only.wp-block-search__searchfield-hidden .wp-block-search__input{border-left-width:0 !important;border-right-width:0 !important;flex-basis:0;flex-grow:0;margin:0;min-width:0 !important;padding-left:0 !important;padding-right:0 !important;width:0 !important;}:where(.wp-block-search__input){font-family:inherit;font-size:inherit;font-style:inherit;font-weight:inherit;letter-spacing:inherit;line-height:inherit;text-transform:inherit;}:where(.wp-block-search__button-inside .wp-block-search__inside-wrapper){border:1px solid #949494;box-sizing:border-box;padding:4px;}:where(.wp-block-search__button-inside .wp-block-search__inside-wrapper) .wp-block-search__input{border:none;border-radius:0;padding:0 4px;}:where(.wp-block-search__button-inside .wp-block-search__inside-wrapper) .wp-block-search__input:focus{outline:none;}:where(.wp-block-search__button-inside .wp-block-search__inside-wrapper) :where(.wp-block-search__button){padding:4px 8px;}.wp-block-search.aligncenter .wp-block-search__inside-wrapper{margin:auto;}.wp-block[data-align=right] .wp-block-search.wp-block-search__button-only .wp-block-search__inside-wrapper{float:right;}.wp-block-group{box-sizing:border-box;}:where(.wp-block-group.wp-block-group-is-layout-constrained){position:relative;}.wp-block-post-featured-image{margin-left:0;margin-right:0;}.wp-block-post-featured-image a{display:block;height:100%;}.wp-block-post-featured-image img{box-sizing:border-box;height:auto;max-width:100%;vertical-align:bottom;width:100%;}.wp-block-post-featured-image.alignfull img,.wp-block-post-featured-image.alignwide img{width:100%;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim{background-color:#000;inset:0;position:absolute;}.wp-block-post-featured-image{position:relative;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-gradient{background-color:initial;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim-0{opacity:0;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim-10{opacity:.1;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim-20{opacity:.2;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim-30{opacity:.3;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim-40{opacity:.4;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim-50{opacity:.5;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim-60{opacity:.6;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim-70{opacity:.7;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim-80{opacity:.8;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim-90{opacity:.9;}.wp-block-post-featured-image .wp-block-post-featured-image__overlay.has-background-dim-100{opacity:1;}.wp-block-post-featured-image:where(.alignleft,.alignright){width:100%;}.wp-block-post-title{box-sizing:border-box;word-break:break-word;}.wp-block-post-title a{display:inline-block;}.is-small-text{font-size:.875em;}.is-regular-text{font-size:1em;}.is-large-text{font-size:2.25em;}.is-larger-text{font-size:3em;}.has-drop-cap:not(:focus):first-letter{float:left;font-size:8.4em;font-style:normal;font-weight:100;line-height:.68;margin:.05em .1em 0 0;text-transform:uppercase;}body.rtl .has-drop-cap:not(:focus):first-letter{float:none;margin-left:.1em;}p.has-drop-cap.has-background{overflow:hidden;}:root :where(p.has-background){padding:1.25em 2.375em;}:where(p.has-text-color:not(.has-link-color)) a{color:inherit;}p.has-text-align-left[style*="writing-mode:vertical-lr"],p.has-text-align-right[style*="writing-mode:vertical-rl"]{rotate:180deg;}h1.has-background,h2.has-background,h3.has-background,h4.has-background,h5.has-background,h6.has-background{padding:1.25em 2.375em;}h1.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h1.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h2.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h2.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h3.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h3.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h4.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h4.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h5.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h5.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h6.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h6.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]){rotate:180deg;}.wp-block-spacer{clear:both;}.wp-block-comment-template{box-sizing:border-box;list-style:none;margin-bottom:0;max-width:100%;padding:0;}.wp-block-comment-template li{clear:both;}.wp-block-comment-template ol{list-style:none;margin-bottom:0;max-width:100%;padding-left:2rem;}.wp-block-comment-template.alignleft{float:left;}.wp-block-comment-template.aligncenter{margin-left:auto;margin-right:auto;width:-moz-fit-content;width:fit-content;}.wp-block-comment-template.alignright{float:right;}.wp-block-comments-pagination>.wp-block-comments-pagination-next,.wp-block-comments-pagination>.wp-block-comments-pagination-numbers,.wp-block-comments-pagination>.wp-block-comments-pagination-previous{margin-bottom:.5em;margin-right:.5em;}.wp-block-comments-pagination>.wp-block-comments-pagination-next:last-child,.wp-block-comments-pagination>.wp-block-comments-pagination-numbers:last-child,.wp-block-comments-pagination>.wp-block-comments-pagination-previous:last-child{margin-right:0;}.wp-block-comments-pagination .wp-block-comments-pagination-previous-arrow{display:inline-block;margin-right:1ch;}.wp-block-comments-pagination .wp-block-comments-pagination-previous-arrow:not(.is-arrow-chevron){transform:scaleX(1);}.wp-block-comments-pagination .wp-block-comments-pagination-next-arrow{display:inline-block;margin-left:1ch;}.wp-block-comments-pagination .wp-block-comments-pagination-next-arrow:not(.is-arrow-chevron){transform:scaleX(1);}.wp-block-comments-pagination.aligncenter{justify-content:center;}:where(.wp-block-post-comments-form) input:not([type=submit]),:where(.wp-block-post-comments-form) textarea{border:1px solid #949494;font-family:inherit;font-size:1em;}:where(.wp-block-post-comments-form) input:where(:not([type=submit]):not([type=checkbox])),:where(.wp-block-post-comments-form) textarea{padding:calc(.667em + 2px);}.wp-block-post-comments-form{box-sizing:border-box;}.wp-block-post-comments-form[style*=font-weight] :where(.comment-reply-title){font-weight:inherit;}.wp-block-post-comments-form[style*=font-family] :where(.comment-reply-title){font-family:inherit;}.wp-block-post-comments-form[class*=-font-size] :where(.comment-reply-title),.wp-block-post-comments-form[style*=font-size] :where(.comment-reply-title){font-size:inherit;}.wp-block-post-comments-form[style*=line-height] :where(.comment-reply-title){line-height:inherit;}.wp-block-post-comments-form[style*=font-style] :where(.comment-reply-title){font-style:inherit;}.wp-block-post-comments-form[style*=letter-spacing] :where(.comment-reply-title){letter-spacing:inherit;}.wp-block-post-comments-form input[type=submit]{box-shadow:none;cursor:pointer;display:inline-block;overflow-wrap:break-word;text-align:center;}.wp-block-post-comments-form .comment-form input:not([type=submit]):not([type=checkbox]):not([type=hidden]),.wp-block-post-comments-form .comment-form textarea{box-sizing:border-box;display:block;width:100%;}.wp-block-post-comments-form .comment-form-author label,.wp-block-post-comments-form .comment-form-email label,.wp-block-post-comments-form .comment-form-url label{display:block;margin-bottom:.25em;}.wp-block-post-comments-form .comment-form-cookies-consent{display:flex;gap:.25em;}.wp-block-post-comments-form .comment-form-cookies-consent #wp-comment-cookies-consent{margin-top:.35em;}.wp-block-post-comments-form .comment-reply-title{margin-bottom:0;}.wp-block-post-comments-form .comment-reply-title :where(small){font-size:var(--wp--preset--font-size--medium,smaller);margin-left:.5em;}.wp-block-buttons.is-vertical{flex-direction:column;}.wp-block-buttons.is-vertical>.wp-block-button:last-child{margin-bottom:0;}.wp-block-buttons>.wp-block-button{display:inline-block;margin:0;}.wp-block-buttons.is-content-justification-left{justify-content:flex-start;}.wp-block-buttons.is-content-justification-left.is-vertical{align-items:flex-start;}.wp-block-buttons.is-content-justification-center{justify-content:center;}.wp-block-buttons.is-content-justification-center.is-vertical{align-items:center;}.wp-block-buttons.is-content-justification-right{justify-content:flex-end;}.wp-block-buttons.is-content-justification-right.is-vertical{align-items:flex-end;}.wp-block-buttons.is-content-justification-space-between{justify-content:space-between;}.wp-block-buttons.aligncenter{text-align:center;}.wp-block-buttons:not(.is-content-justification-space-between,.is-content-justification-right,.is-content-justification-left,.is-content-justification-center) .wp-block-button.aligncenter{margin-left:auto;margin-right:auto;width:100%;}.wp-block-buttons[style*=text-decoration] .wp-block-button,.wp-block-buttons[style*=text-decoration] .wp-block-button__link{text-decoration:inherit;}.wp-block-buttons.has-custom-font-size .wp-block-button__link{font-size:inherit;}.wp-block-button.aligncenter{text-align:center;}.wp-block-button__link{box-sizing:border-box;cursor:pointer;display:inline-block;text-align:center;word-break:break-word;}.wp-block-button__link.aligncenter{text-align:center;}.wp-block-button__link.alignright{text-align:right;}:where(.wp-block-button__link){border-radius:9999px;box-shadow:none;padding:calc(.667em + 2px) calc(1.333em + 2px);text-decoration:none;}.wp-block-button[style*=text-decoration] .wp-block-button__link{text-decoration:inherit;}.wp-block-buttons>.wp-block-button.has-custom-width{max-width:none;}.wp-block-buttons>.wp-block-button.has-custom-width .wp-block-button__link{width:100%;}.wp-block-buttons>.wp-block-button.has-custom-font-size .wp-block-button__link{font-size:inherit;}.wp-block-buttons>.wp-block-button.wp-block-button__width-25{width:calc(25% - var(--wp--style--block-gap,.5em) * .75);}.wp-block-buttons>.wp-block-button.wp-block-button__width-50{width:calc(50% - var(--wp--style--block-gap,.5em) * .5);}.wp-block-buttons>.wp-block-button.wp-block-button__width-75{width:calc(75% - var(--wp--style--block-gap,.5em) * .25);}.wp-block-buttons>.wp-block-button.wp-block-button__width-100{flex-basis:100%;width:100%;}.wp-block-buttons.is-vertical>.wp-block-button.wp-block-button__width-25{width:25%;}.wp-block-buttons.is-vertical>.wp-block-button.wp-block-button__width-50{width:50%;}.wp-block-buttons.is-vertical>.wp-block-button.wp-block-button__width-75{width:75%;}.wp-block-button.is-style-squared,.wp-block-button__link.wp-block-button.is-style-squared{border-radius:0;}.wp-block-button.no-border-radius,.wp-block-button__link.no-border-radius{border-radius:0 !important;}:root :where(.wp-block-button .wp-block-button__link.is-style-outline),:root :where(.wp-block-button.is-style-outline>.wp-block-button__link){border:2px solid;padding:.667em 1.333em;}:root :where(.wp-block-button .wp-block-button__link.is-style-outline:not(.has-text-color)),:root :where(.wp-block-button.is-style-outline>.wp-block-button__link:not(.has-text-color)){color:currentColor;}:root :where(.wp-block-button .wp-block-button__link.is-style-outline:not(.has-background)),:root :where(.wp-block-button.is-style-outline>.wp-block-button__link:not(.has-background)){background-color:initial;background-image:none;}:root :where(.wp-block-button .wp-block-button__link.is-style-outline:not(.has-background)).nitro-lazy,:root :where(.wp-block-button.is-style-outline>.wp-block-button__link:not(.has-background)).nitro-lazy{background-image:none !important;}.wp-block-post-comments{box-sizing:border-box;}.wp-block-post-comments .alignleft{float:left;}.wp-block-post-comments .alignright{float:right;}.wp-block-post-comments .navigation:after{clear:both;content:"";display:table;}.wp-block-post-comments .commentlist{clear:both;list-style:none;margin:0;padding:0;}.wp-block-post-comments .commentlist .comment{min-height:2.25em;padding-left:3.25em;}.wp-block-post-comments .commentlist .comment p{font-size:1em;line-height:1.8;margin:1em 0;}.wp-block-post-comments .commentlist .children{list-style:none;margin:0;padding:0;}.wp-block-post-comments .comment-author{line-height:1.5;}.wp-block-post-comments .comment-author .avatar{border-radius:1.5em;display:block;float:left;height:2.5em;margin-right:.75em;margin-top:.5em;width:2.5em;}.wp-block-post-comments .comment-author cite{font-style:normal;}.wp-block-post-comments .comment-meta{font-size:.875em;line-height:1.5;}.wp-block-post-comments .comment-meta b{font-weight:400;}.wp-block-post-comments .comment-meta .comment-awaiting-moderation{display:block;margin-bottom:1em;margin-top:1em;}.wp-block-post-comments .comment-body .commentmetadata{font-size:.875em;}.wp-block-post-comments .comment-form-author label,.wp-block-post-comments .comment-form-comment label,.wp-block-post-comments .comment-form-email label,.wp-block-post-comments .comment-form-url label{display:block;margin-bottom:.25em;}.wp-block-post-comments .comment-form input:not([type=submit]):not([type=checkbox]),.wp-block-post-comments .comment-form textarea{box-sizing:border-box;display:block;width:100%;}.wp-block-post-comments .comment-form-cookies-consent{display:flex;gap:.25em;}.wp-block-post-comments .comment-form-cookies-consent #wp-comment-cookies-consent{margin-top:.35em;}.wp-block-post-comments .comment-reply-title{margin-bottom:0;}.wp-block-post-comments .comment-reply-title :where(small){font-size:var(--wp--preset--font-size--medium,smaller);margin-left:.5em;}.wp-block-post-comments .reply{font-size:.875em;margin-bottom:1.4em;}.wp-block-post-comments input:not([type=submit]),.wp-block-post-comments textarea{border:1px solid #949494;font-family:inherit;font-size:1em;}.wp-block-post-comments input:not([type=submit]):not([type=checkbox]),.wp-block-post-comments textarea{padding:calc(.667em + 2px);}:where(.wp-block-post-comments input[type=submit]){border:none;}@charset "UTF-8";.wp-block-separator{border:none;border-top:2px solid;}:root :where(.wp-block-separator.is-style-dots){height:auto;line-height:1;text-align:center;}:root :where(.wp-block-separator.is-style-dots):before{color:currentColor;content:"···";font-family:serif;font-size:1.5em;letter-spacing:2em;padding-left:2em;}.wp-block-separator.is-style-dots{background:none !important;border:none !important;}.wp-block-post-date{box-sizing:border-box;}.wp-block-post-terms{box-sizing:border-box;}.wp-block-post-terms .wp-block-post-terms__separator{white-space:pre-wrap;}.wp-block-post-author{display:flex;flex-wrap:wrap;}.wp-block-post-author__byline{font-size:.5em;margin-bottom:0;margin-top:0;width:100%;}.wp-block-post-author__avatar{margin-right:1em;}.wp-block-post-author__bio{font-size:.7em;margin-bottom:.7em;}.wp-block-post-author__content{flex-basis:0;flex-grow:1;}.wp-block-post-author__name{margin:0;}.wp-block-preformatted{box-sizing:border-box;white-space:pre-wrap;}:where(.wp-block-preformatted.has-background){padding:1.25em 2.375em;}img.wp-smiley,img.emoji{display:inline !important;border:none !important;box-shadow:none !important;height:1em !important;width:1em !important;margin:0 .07em !important;vertical-align:-.1em !important;background:none !important;padding:0 !important;}: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:#000;--wp--preset--color--cyan-bluish-gray:#abb8c3;--wp--preset--color--white:#fff;--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--color--base:#fff;--wp--preset--color--contrast:#000;--wp--preset--color--primary:#9dff20;--wp--preset--color--secondary:#345c00;--wp--preset--color--tertiary:#f6f6f6;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple:linear-gradient(135deg,rgba(6,147,227,1) 0%,#9b51e0 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan:linear-gradient(135deg,#7adcb4 0%,#00d082 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%,#cf2e2e 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray:linear-gradient(135deg,#eee 0%,#a9b8c3 100%);--wp--preset--gradient--cool-to-warm-spectrum:linear-gradient(135deg,#4aeadc 0%,#9778d1 20%,#cf2aba 40%,#ee2c82 60%,#fb6962 80%,#fef84c 100%);--wp--preset--gradient--blush-light-purple:linear-gradient(135deg,#ffceec 0%,#9896f0 100%);--wp--preset--gradient--blush-bordeaux:linear-gradient(135deg,#fecda5 0%,#fe2d2d 50%,#6b003e 100%);--wp--preset--gradient--luminous-dusk:linear-gradient(135deg,#ffcb70 0%,#c751c0 50%,#4158d0 100%);--wp--preset--gradient--pale-ocean:linear-gradient(135deg,#fff5cb 0%,#b6e3d4 50%,#33a7b5 100%);--wp--preset--gradient--electric-grass:linear-gradient(135deg,#caf880 0%,#71ce7e 100%);--wp--preset--gradient--midnight:linear-gradient(135deg,#020381 0%,#2874fc 100%);--wp--preset--font-size--small:clamp(.875rem,.875rem + ((1vw - .2rem) * .227),1rem);--wp--preset--font-size--medium:clamp(1rem,1rem + ((1vw - .2rem) * .227),1.125rem);--wp--preset--font-size--large:clamp(1.75rem,1.75rem + ((1vw - .2rem) * .227),1.875rem);--wp--preset--font-size--x-large:2.25rem;--wp--preset--font-size--xx-large:clamp(6.1rem,6.1rem + ((1vw - .2rem) * 7.091),10rem);--wp--preset--font-family--atkinson-hyperlegible:"Atkinson Hyperlegible";--wp--preset--spacing--20:.44rem;--wp--preset--spacing--30:clamp(1.5rem,5vw,2rem);--wp--preset--spacing--40:clamp(1.8rem,1.8rem + ((1vw - .48rem) * 2.885),3rem);--wp--preset--spacing--50:clamp(2.5rem,8vw,4.5rem);--wp--preset--spacing--60:clamp(3.75rem,10vw,7rem);--wp--preset--spacing--70:clamp(5rem,5.25rem + ((1vw - .48rem) * 9.096),8rem);--wp--preset--spacing--80:clamp(7rem,14vw,11rem);--wp--preset--shadow--natural:6px 6px 9px rgba(0,0,0,.2);--wp--preset--shadow--deep:12px 12px 50px rgba(0,0,0,.4);--wp--preset--shadow--sharp:6px 6px 0px rgba(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);}:root{--wp--style--global--content-size:900px;--wp--style--global--wide-size:1200px;}:where(body){margin:0;}.wp-site-blocks{padding-top:var(--wp--style--root--padding-top);padding-bottom:var(--wp--style--root--padding-bottom);}.has-global-padding{padding-right:var(--wp--style--root--padding-right);padding-left:var(--wp--style--root--padding-left);}.has-global-padding > .alignfull{margin-right:calc(var(--wp--style--root--padding-right) * -1);margin-left:calc(var(--wp--style--root--padding-left) * -1);}.has-global-padding :where(:not(.alignfull.is-layout-flow) > .has-global-padding:not(.wp-block-block,.alignfull)){padding-right:0;padding-left:0;}.has-global-padding :where(:not(.alignfull.is-layout-flow) > .has-global-padding:not(.wp-block-block,.alignfull)) > .alignfull{margin-left:0;margin-right:0;}.wp-site-blocks > .alignleft{float:left;margin-right:2em;}.wp-site-blocks > .alignright{float:right;margin-left:2em;}.wp-site-blocks > .aligncenter{justify-content:center;margin-left:auto;margin-right:auto;}:where(.wp-site-blocks) > *{margin-block-start:1rem;margin-block-end:0;}:where(.wp-site-blocks) > :first-child{margin-block-start:0;}:where(.wp-site-blocks) > :last-child{margin-block-end:0;}:root{--wp--style--block-gap:1rem;}.is-layout-flow > :first-child{margin-block-start:0;}.is-layout-flow > :last-child{margin-block-end:0;}.is-layout-flow > *{margin-block-start:1rem;margin-block-end:0;}.is-layout-constrained > :first-child{margin-block-start:0;}.is-layout-constrained > :last-child{margin-block-end:0;}.is-layout-constrained > *{margin-block-start:1rem;margin-block-end:0;}.is-layout-flex{gap:1rem;}.is-layout-grid{gap:1rem;}.is-layout-flow > .alignleft{float:left;margin-inline-start:0;margin-inline-end:2em;}.is-layout-flow > .alignright{float:right;margin-inline-start:2em;margin-inline-end:0;}.is-layout-flow > .aligncenter{margin-left:auto !important;margin-right:auto !important;}.is-layout-constrained > .alignleft{float:left;margin-inline-start:0;margin-inline-end:2em;}.is-layout-constrained > .alignright{float:right;margin-inline-start:2em;margin-inline-end:0;}.is-layout-constrained > .aligncenter{margin-left:auto !important;margin-right:auto !important;}.is-layout-constrained > :where(:not(.alignleft):not(.alignright):not(.alignfull)){max-width:var(--wp--style--global--content-size);margin-left:auto !important;margin-right:auto !important;}.is-layout-constrained > .alignwide{max-width:var(--wp--style--global--wide-size);}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;}:root :where(body){background-color:var(--wp--preset--color--base);color:var(--wp--preset--color--contrast);font-family:var(--wp--preset--font-family--atkinson-hyperlegible);font-size:var(--wp--preset--font-size--small);line-height:1.6;--wp--style--root--padding-top:0;--wp--style--root--padding-right:0;--wp--style--root--padding-bottom:0;--wp--style--root--padding-left:0;}a:where(:not(.wp-element-button)){color:#0a6b2a;font-style:normal;font-weight:800;text-decoration:underline;}:root :where(a:where(:not(.wp-element-button)):hover){color:#0a6b2a;text-decoration:none;}:root :where(a:where(:not(.wp-element-button)):focus){text-decoration:underline dashed;}:root :where(a:where(:not(.wp-element-button)):active){color:var(--wp--preset--color--secondary);text-decoration:none;}h1,h2,h3,h4,h5,h6{background-color:var(--wp--preset--color--tertiary);font-style:normal;font-weight:800;line-height:1.4;}h1{font-family:var(--wp--preset--font-family--atkinson-hyperlegible);font-size:clamp(15.747px,.984rem + ((1vw - 3.2px) * .938),24px);font-style:normal;font-weight:800;line-height:1.2;}h2{font-size:clamp(14px,.875rem + ((1vw - 3.2px) * .682),20px);font-style:normal;font-weight:700;line-height:1.2;}h3{font-size:clamp(14px,.875rem + ((1vw - 3.2px) * .568),19px);font-style:normal;font-weight:600;}h4{font-size:clamp(14px,.875rem + ((1vw - 3.2px) * .568),19px);font-style:normal;font-weight:500;}h5{font-size:clamp(14px,.875rem + ((1vw - 3.2px) * .568),19px);font-style:normal;font-weight:400;text-transform:uppercase;}h6{font-size:clamp(14px,.875rem + ((1vw - 3.2px) * .568),19px);font-style:normal;font-weight:400;text-transform:uppercase;}:root :where(.wp-element-button,.wp-block-button__link){background-color:#0a6b2a;border-radius:0;border-width:0;color:var(--wp--preset--color--base);font-family:inherit;font-size:inherit;line-height:inherit;padding:calc(.667em + 2px) calc(1.333em + 2px);text-decoration:none;}:root :where(.wp-element-button:visited,.wp-block-button__link:visited){color:var(--wp--preset--color--contrast);}:root :where(.wp-element-button:hover,.wp-block-button__link:hover){background-color:var(--wp--preset--color--contrast);color:var(--wp--preset--color--base);}:root :where(.wp-element-button:focus,.wp-block-button__link:focus){background-color:var(--wp--preset--color--contrast);color:var(--wp--preset--color--base);}:root :where(.wp-element-button:active,.wp-block-button__link:active){background-color:var(--wp--preset--color--secondary);color:var(--wp--preset--color--base);}.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-base-color{color:var(--wp--preset--color--base) !important;}.has-contrast-color{color:var(--wp--preset--color--contrast) !important;}.has-primary-color{color:var(--wp--preset--color--primary) !important;}.has-secondary-color{color:var(--wp--preset--color--secondary) !important;}.has-tertiary-color{color:var(--wp--preset--color--tertiary) !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-base-background-color{background-color:var(--wp--preset--color--base) !important;}.has-contrast-background-color{background-color:var(--wp--preset--color--contrast) !important;}.has-primary-background-color{background-color:var(--wp--preset--color--primary) !important;}.has-secondary-background-color{background-color:var(--wp--preset--color--secondary) !important;}.has-tertiary-background-color{background-color:var(--wp--preset--color--tertiary) !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-base-border-color{border-color:var(--wp--preset--color--base) !important;}.has-contrast-border-color{border-color:var(--wp--preset--color--contrast) !important;}.has-primary-border-color{border-color:var(--wp--preset--color--primary) !important;}.has-secondary-border-color{border-color:var(--wp--preset--color--secondary) !important;}.has-tertiary-border-color{border-color:var(--wp--preset--color--tertiary) !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;}.has-xx-large-font-size{font-size:var(--wp--preset--font-size--xx-large) !important;}.has-atkinson-hyperlegible-font-family{font-family:var(--wp--preset--font-family--atkinson-hyperlegible) !important;}:root :where(.wp-block-button .wp-block-button__link){padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);}:root :where(.wp-block-navigation){font-size:var(--wp--preset--font-size--small);}:root :where(.wp-block-navigation a:where(:not(.wp-element-button))){text-decoration:none;}:root :where(.wp-block-navigation a:where(:not(.wp-element-button)):hover){text-decoration:underline;}:root :where(.wp-block-navigation a:where(:not(.wp-element-button)):focus){text-decoration:underline dashed;}:root :where(.wp-block-navigation a:where(:not(.wp-element-button)):active){text-decoration:none;}:root :where(.wp-block-post-author){font-size:var(--wp--preset--font-size--small);}:root :where(.wp-block-post-content a:where(:not(.wp-element-button))){color:var(--wp--preset--color--secondary);}:root :where(.wp-block-post-date){font-size:var(--wp--preset--font-size--small);font-weight:400;}:root :where(.wp-block-post-date a:where(:not(.wp-element-button))){text-decoration:none;}:root :where(.wp-block-post-date a:where(:not(.wp-element-button)):hover){text-decoration:underline;}:root :where(.wp-block-post-terms){font-size:var(--wp--preset--font-size--small);}:root :where(.wp-block-post-title){font-weight:400;margin-top:1.25rem;margin-bottom:1.25rem;}:root :where(.wp-block-post-title a:where(:not(.wp-element-button))){text-decoration:none;}:root :where(.wp-block-post-title a:where(:not(.wp-element-button)):hover){text-decoration:underline;}:root :where(.wp-block-post-title a:where(:not(.wp-element-button)):focus){text-decoration:underline dashed;}:root :where(.wp-block-post-title a:where(:not(.wp-element-button)):active){color:var(--wp--preset--color--secondary);text-decoration:none;}:root :where(.wp-block-comments-title){font-size:var(--wp--preset--font-size--large);margin-bottom:var(--wp--preset--spacing--40);}:root :where(.wp-block-comments-pagination){margin-top:var(--wp--preset--spacing--40);}:root :where(.wp-block-comments-pagination a:where(:not(.wp-element-button))){text-decoration:none;}:root :where(.wp-block-separator){}:root :where(.wp-block-separator:not(.is-style-wide):not(.is-style-dots):not(.alignwide):not(.alignfull)){width:100px;}:root :where(.wp-block-buttons){margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30);}.wp-block-buttons-is-layout-flow > :first-child{margin-block-start:0;}.wp-block-buttons-is-layout-flow > :last-child{margin-block-end:0;}.wp-block-buttons-is-layout-flow > *{margin-block-start:var(--wp--preset--spacing--30);margin-block-end:0;}.wp-block-buttons-is-layout-constrained > :first-child{margin-block-start:0;}.wp-block-buttons-is-layout-constrained > :last-child{margin-block-end:0;}.wp-block-buttons-is-layout-constrained > *{margin-block-start:var(--wp--preset--spacing--30);margin-block-end:0;}.wp-block-buttons-is-layout-flex{gap:var(--wp--preset--spacing--30);}.wp-block-buttons-is-layout-grid{gap:var(--wp--preset--spacing--30);}:root :where(p){margin-right:var(--wp--preset--spacing--30);margin-left:var(--wp--preset--spacing--30);}.upcoming-events{list-style:none;}.wpcw_fe_course_progress_detail{display:none;}.wpcw_fe_quiz_box_wrap ul li input{position:absolute;margin-top:6px !important;}.wpcw_fe_quiz_box_wrap ul li label{padding-left:1.8em;display:inline-block;}.wpcw_fe_quiz_box_wrap ul li{list-style:none;}.wpcw_fe_quiz_box_wrap ul{margin:1.1em .5em;}.wpcw_fe_quiz_q_title{margin-top:20px;}ol.has-background,ul.has-background{padding:0px !important;}.wp-block-loginout a{color:inherit;font-size:inherit;text-decoration:none;}.wp-block-loginout a:hover{text-decoration:underline;}#mepr-account-nav{display:none;}:root :where(.wp-block-separator){}:root :where(.wp-block-separator:not(.is-style-wide):not(.is-style-dots):not(.alignwide):not(.alignfull)){width:100px;}.wp-container-core-columns-is-layout-1{flex-wrap:nowrap;}.wp-container-core-navigation-is-layout-1{flex-wrap:nowrap;justify-content:center;}.wp-container-3{top:calc(0px + var(--wp-admin--admin-bar--position-offset,0px));position:sticky;z-index:10;}.wp-container-core-group-is-layout-3 > .alignfull{margin-right:calc(var(--wp--preset--spacing--40) * -1);margin-left:calc(var(--wp--preset--spacing--40) * -1);}.wp-container-core-group-is-layout-4{gap:.5ch;}.wp-container-core-group-is-layout-5{gap:.5ch;}.wp-container-core-column-is-layout-3 > *{margin-block-start:0;margin-block-end:0;}.wp-container-core-column-is-layout-3 > * + *{margin-block-start:0px;margin-block-end:0;}.wp-container-core-group-is-layout-6{gap:.5ch;flex-direction:column;align-items:flex-start;}.wp-container-core-column-is-layout-4 > *{margin-block-start:0;margin-block-end:0;}.wp-container-core-column-is-layout-4 > * + *{margin-block-start:0px;margin-block-end:0;}.wp-container-core-columns-is-layout-2{flex-wrap:nowrap;gap:var(--wp--preset--spacing--30);}.wp-elements-613369a999203a6003d26c62fecdbaa3 a:where(:not(.wp-element-button)){color:var(--wp--preset--color--contrast);}.wp-container-core-columns-is-layout-3{flex-wrap:nowrap;}.wp-container-core-group-is-layout-9 > :where(:not(.alignleft):not(.alignright):not(.alignfull)){max-width:100%;margin-left:auto !important;margin-right:auto !important;}.wp-container-core-group-is-layout-9 > .alignwide{max-width:100%;}.wp-container-core-group-is-layout-9 .alignfull{max-width:none;}.wp-elements-bbe620643943816e915a019df3230cea a:where(:not(.wp-element-button)){color:var(--wp--preset--color--base);}.wp-container-core-navigation-is-layout-2{flex-wrap:nowrap;gap:8px;flex-direction:column;align-items:flex-start;}.wp-elements-90160c29769defcd320f7a3b90b88c7a a:where(:not(.wp-element-button)){color:var(--wp--preset--color--base);}.wp-elements-3b879e633a5a7e52586b8362527d95dc a:where(:not(.wp-element-button)){color:var(--wp--preset--color--base);}.wp-elements-033694557505adb2ca6e4e3d1cf2aa6e a:where(:not(.wp-element-button)){color:var(--wp--preset--color--base);}.wp-container-core-social-links-is-layout-1{justify-content:flex-start;}.wp-container-core-group-is-layout-10{justify-content:space-between;}.wp-container-core-column-is-layout-10 > *{margin-block-start:0;margin-block-end:0;}.wp-container-core-column-is-layout-10 > * + *{margin-block-start:0;margin-block-end:0;}.wp-container-core-columns-is-layout-4{flex-wrap:nowrap;}.wp-elements-a63f5f46ba1bb68183e58d538ec373d4 a:where(:not(.wp-element-button)){color:var(--wp--preset--color--base);}.skip-link.screen-reader-text{border:0;clip:rect(1px,1px,1px,1px);clip-path:inset(50%);height:1px;margin:-1px;overflow:hidden;padding:0;position:absolute !important;width:1px;word-wrap:normal !important;}.skip-link.screen-reader-text:focus{background-color:#eee;clip:auto !important;clip-path:none;color:#444;display:block;font-size:1em;height:auto;left:5px;line-height:normal;padding:15px 23px 14px;text-decoration:none;top:5px;width:auto;z-index:100000;}.woocommerce form .form-row .required{visibility:visible;}.mc-main,.mc-event,.my-calendar-modal,.my-calendar-modal-overlay{--primary-dark:#313233;--primary-light:#fff;--secondary-light:#fff;--secondary-dark:#000;--highlight-dark:#666;--highlight-light:#efefef;--close-button:#b32d2e;--search-highlight-bg:#f5e6ab;--navbar-background:transparent;--nav-button-bg:#fff;--nav-button-color:#313233;--nav-button-border:#313233;--nav-input-border:#313233;--nav-input-background:#fff;--nav-input-color:#313233;--grid-cell-border:rgba(0,0,0,.12);--grid-header-border:#313233;--grid-header-color:#313233;--grid-header-bg:transparent;--grid-cell-background:transparent;--current-day-border:#313233;--current-day-color:#313233;--current-day-bg:transparent;--date-has-events-bg:#313233;--date-has-events-color:#f6f7f7;--calendar-heading:clamp(1.125rem,24px,2.5rem);--event-title:clamp(1.25rem,24px,2.5rem);--grid-date:16px;--grid-date-heading:clamp(.75rem,16px,1.5rem);--modal-title:1.5rem;--navigation-controls:clamp(.75rem,16px,1.5rem);--card-heading:1.125rem;--list-date:1.25rem;--author-card:clamp(.75rem,14px,1.5rem);--single-event-title:clamp(1.25rem,24px,2.5rem);--mini-time-text:clamp(.75rem,14px 1.25rem);--list-event-date:1.25rem;--list-event-title:1.2rem;}