Inboxes List

Create an inbox to save and track emails. It's free!

+New inbox
Back
Back
Back 
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "//www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html lang="en" style="width: 100%;" xmlns="//www.w3.org/1999/xhtml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:v="urn:schemas-microsoft-com:vml" xmlns:w="urn:schemas-microsoft-com:office:word">
 <head>
  <meta content="text/html; charset=utf-8" http-equiv="Content-Type"/>
  <meta content="IE=edge" http-equiv="X-UA-Compatible"/>
  <meta content="width=device-width, initial-scale=1" name="viewport"/>
  <meta name="x-apple-disable-message-reformatting"/>
  <title>
   The shadow mortgage market
  </title>
  <link href="https://fonts.googleapis.com/css2?family=Noto+Sans" rel="stylesheet" type="text/css"/>
  <link href="https://fonts.googleapis.com/css2?family=Noto+Serif" rel="stylesheet" type="text/css"/>
  <!--[if gte mso 9]><style type="text/css">h1,h2,h3,div,p,td,span,em,strong,ol,ul,li,a {font-family: Arial, Helvetica, sans-serif !important;}</style><![endif]-->
  <style type="text/css">
   table.table100 { background-color: rgba(255, 255, 255, 1); max-width: 600px }
table.table100>tr>td, table.table100>tbody>tr>td { font-family: Arial, Helvetica, sans-serif; font-size: 12px; color: rgba(0, 0, 0, 1) }
table.table100 h1 { font-family: Arial; font-size: 24px; color: rgba(0, 0, 0, 1) }
table.table100 h2 { font-family: Arial; font-size: 20px; color: rgba(0, 0, 0, 1) }
table.table100 h3 { font-family: Arial; color: rgba(0, 0, 0, 1); font-size: 18px }
.editor-email-button { font-family: Arial; font-size: 12px; background-color: rgba(22, 141, 217, 1); border-radius: 6px; color: rgba(255, 255, 255, 1); width: 100%; height: 25px; padding: 25px }
.dlv-content-wrapper { background-size: auto }
table.table100 a { color: rgba(22, 141, 217, 1) }
table.email-cell-group {
	border-collapse: collapse;
	width: 100%;
	table-layout: fixed;
}

table.socialButton td {
	vertical-align: middle !important;
}

table.table100 {
	margin: 0px auto;
}

img.img100 {
	vertical-align: middle;
}

table.dragndrop {
	table-layout: fixed;
}

table.dragndrop td {
	vertical-align: top;
}

a img {
	border: 0;
}

@media screen {
	img.img100 {
		max-width: 100% !important;
		height: auto !important;
		width: auto;
	}
}

@media screen and (max-width: 600px) {
	table.table100 {
		width: 100% !important;
	}
	
	body {
		margin: 0 !important;
		min-width: 100% !important;
	}
	
	body#MessageViewBody {
		margin: 0px auto !important;
	}
	body > div {
		margin: 0 !important;
	}
	
	u + * table.table100 {
		min-width: 100vw !important;
	}
	
	div > u ~ div table.table100 {
        min-width: 0px !important;
    }
}
.desktophide {
	display: none;
	mso-hide: all;
}

@media screen and (max-width: 450px) {
	ol, ul {
		margin-top: 0px !important;
		margin-bottom: 0px !important;
		padding-top: 16px !important;
		padding-bottom: 16px !important;
	}

	td.td100, table.email-cell-group.responsive > tbody > tr > td {
		display: block !important;
		width: 100% !important;
		box-sizing: border-box !important;
	}
	table.email-cell-group.desktophide {
		display: table !important;
	}
	td.td100.mobilehide, table.email-cell-group.responsive > tbody > tr > td.mobilehide, table.email-cell-group > tbody > tr > td.mobilehide {
		display: none !important;
	}
	table.dragndrop.responsive > colgroup, table.email-cell-group.responsive > colgroup, table.email-cell-group.responsive > colgroup > col {
		display: none !important;
	}

	img.img100 {		
		width: 100% !important;
		object-fit: contain !important;
	}
}
/* baseline */
@media screen {
	img.imgMap100 {
		display: none !important;
	}
	img.baselineMap {
		display: block !important;
	}
}

@media screen and (max-width: 450px) {
	img.baselineMap {
		display: none !important;
		width: 0 !important;
		max-height: 0 !important;
	}
}
@media screen and (max-width: 450px) {
	tr.trpad30 > td {
		padding-left: 30px !important;
		padding-right: 30px !important;
	}
}
  </style>
  <!--[if gte mso 9]><xml><o:OfficeDocumentSettings><o:AllowPNG/><o:PixelsPerInch>96</o:PixelsPerInch></o:OfficeDocumentSettings></xml><![endif]-->
 </head>
 <body>
  <div id="PreHeader" style="display: none !important; mso-hide:all;">
   Plus: Why paper is winning.
  </div>
  <img alt="" height="1" src="https://inboxflows.com/_/image/https%253A%252F%252Fwww.ne16.com%252Fdo%252F10252664%252F222404108%252F1009235%252F1.gif%253Fx%253D2569ebb4/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZ3d3cubmUxNi5jbyIsInRpbWUiOjE3NzA2MTUwNTkuOTY3OTUzfQ:1vpJrP:Qd-lZicZBZUlwpZ2QAaOYX2nG6ycEnhCCJjjCJIWImw" width="1"/>
  <table align="center" bgcolor="#FFFFFF" border="0" cellpadding="0" cellspacing="0" style="font-family: Verdana; color: #444444; text-align:center;" width="100%">
   <tr>
    <td align="center" style="text-align:center;font-size:xx-small">
     <a aria-label="Email tracking pixel">
      <img alt="" src="https://inboxflows.com/_/image/http%253A%252F%252Feditor.ne16.com%252Fspacer.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRmVkaXRvci5uZTE2LiIsInRpbWUiOjE3NzA2MTUwNTkuOTY4NTE3OH0:1vpJrP:vsMzY0YyCxk7r-ZKCHnLvZUS16d4I9yWOkfK1Y9ktes" style="mso-hide:all;display:none;width:0px;height:0px;border:0;"/>
     </a>
     <br/>
     <a style="font-size: xx-small; color:#336699" target="_blank">
      View as a Web page
     </a>
     <br/>
     <br/>
    </td>
   </tr>
  </table>
  <table cellpadding="0" cellspacing="0" class="dlv-content-wrapper" style="background-size:auto;" width="100%">
   <tbody>
    <tr>
     <td align="center">
      <table align="center" bgcolor="#FFFFFF" border="0" bordercolor="#FFFFFF" cellpadding="0" cellspacing="0" class="table100" style="background-color:#FFFFFF;max-width:600px;margin:0px auto" width="600">
       <tr>
        <td style="font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
         <table border="0" cellpadding="0" cellspacing="0" class="dragndrop edited" height="100%" style="table-layout:fixed;" width="100%">
          <tbody>
           <tr style="padding-top:5px;padding-bottom:5px">
            <td align="center" class="td100" colspan="6" style="width:100%;padding-top:5px;padding-bottom:5px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <div class="ruleContent">
              <table align="center" border="0" cellpadding="0" cellspacing="0" style="border:0 #9B9B9B;height:5px;width:100%;text-align:center;color:#9B9B9B;margin:0 auto;background-color:#1C4397;border-left-width:0;border-right-width:0">
               <tr>
                <td style="font-size:5px;mso-line-height-rule:exactly;line-height:5px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#000000">
                </td>
               </tr>
              </table>
             </div>
            </td>
           </tr>
           <tr class="trpad30" style="padding-top:5px;padding-bottom:5px">
            <td class="td100" colspan="3" style="padding:5px 5px 5px 30px;width:50%;font-size:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#000000">
             <a aria-label="Linked image" style="color:#168DD9;" target="_blank">
              <img class="img100" data-linktype="Normal" data-target="_blank" height="auto" src="https://inboxflows.com/_/image/https%253A%252F%252Feditor.ne16.com%252Fquartz-prod%252F062525-daily.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlZGl0b3IubmUxNiIsInRpbWUiOjE3NzA2MTUwNTkuOTY4NjMyfQ:1vpJrP:XZS1KPL6Fky3gZ4NRfMz4oxlPfGCfO92y2DelP2vNmo" style="width:265px;max-height:18px;vertical-align:middle;border:0;" width="265"/>
             </a>
            </td>
            <td class="td100" colspan="3" height="1" style="width:50%;height:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <img src="https://inboxflows.com/_/image/http%253A%252F%252Feditor.ne16.com%252Fspacer.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRmVkaXRvci5uZTE2LiIsInRpbWUiOjE3NzA2MTUwNTkuOTY4NzIxfQ:1vpJrP:FXoZcsbES3NTo1S-YPuzQP95xNKhL9vgzOFBAI67b-w" style="mso-hide:all;display: none;width:0px;height:0px;border:0;"/>
            </td>
           </tr>
           <tr class="trpad30" style="padding-top:15px;padding-bottom:15px">
            <td class="td100" colspan="4" style="padding:15px 
30px;vertical-align:middle;width:66.6667%;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <div>
              <span style="color:#888888">
               Monday, February 9, 2026
              </span>
             </div>
            </td>
            <td class="td100" colspan="2" height="1" style="width:33.3333%;height:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <img src="https://inboxflows.com/_/image/http%253A%252F%252Feditor.ne16.com%252Fspacer.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRmVkaXRvci5uZTE2LiIsInRpbWUiOjE3NzA2MTUwNTkuOTY4ODAzNH0:1vpJrP:CI1_ZDdDA-aoL6DlFYUyAeVCzHdQUycdnA9Nda9Hxco" style="mso-hide:all;display: none;width:0px;height:0px;border:0;"/>
            </td>
           </tr>
           <tr>
            <td class="td100" colspan="6" style="width:100%;font-size:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#000000">
             <a aria-label="Linked image" style="color:#168DD9;" target="_blank">
              <img class="img100" data-linktype="Normal" data-target="_blank" height="auto" src="https://inboxflows.com/_/image/https%253A%252F%252Feditor.ne16.com%252Fquartz-prod%252FGettyImages-539565347.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlZGl0b3IubmUxNiIsInRpbWUiOjE3NzA2MTUwNTkuOTY4ODk2OX0:1vpJrP:KVxIAZipRLuE3aOCCqtYlptOJp5LIg2eF6e9_Hr7n7A" style="width:600px;max-height:400px;vertical-align:middle;border:0;" width="600"/>
             </a>
            </td>
           </tr>
           <tr class="trpad30" style="padding-top:3px;padding-bottom:3px">
            <td class="td100" colspan="2" height="1" style="width:33.3333%;height:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <img src="https://inboxflows.com/_/image/http%253A%252F%252Feditor.ne16.com%252Fspacer.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRmVkaXRvci5uZTE2LiIsInRpbWUiOjE3NzA2MTUwNTkuOTY4OTc3NX0:1vpJrP:DKEWXSUj5hwRQZp7-qBAnEAZrO4EcKNP_5AGL45EjVk" style="mso-hide:all;display: none;width:0px;height:0px;border:0;"/>
            </td>
            <td class="td100" colspan="4" style="line-height:1.5;text-align:right;vertical-align:middle;padding:3px 
30px;width:66.6667%;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000;mso-line-height-rule:exactly">
             <div>
              <span style="color:#888888">
               Fairfax Media via Getty Images
              </span>
             </div>
            </td>
           </tr>
           <tr style="padding-top:10px;padding-bottom:10px">
            <td class="td100" colspan="6" style="width:100%;padding:10px 20px;line-height:1.5;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000;mso-line-height-rule:exactly">
             <div>
              <span style="font-size:16px;color:#000000;font-family:Helvetica 
Neue,Helvetica,Arial,sans-serif;background-color:#FFFFFF">
               Good morning, Quartz readers! It’s Shannon Carroll with the Daily Brief. Today, homebuyers are moving the chains with help you don’t see on the broadcast, analog is running a two-minute drill on your attention span, AI capex is calling “go for it” on every series, and Super Bowl Monday is already limping off the field.
               <span class="ql-cursor">
                
               </span>
              </span>
             </div>
            </td>
           </tr>
           <tr style="padding-top:10px;padding-bottom:10px">
            <td align="center" class="td100" colspan="6" style="width:100%;padding-top:10px;padding-bottom:10px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <div class="ruleContent">
              <table align="center" border="0" cellpadding="0" cellspacing="0" style="border:0 #9B9B9B;height:1px;width:100%;text-align:center;background-color:#888888;color:#9B9B9B;margin:0 auto;border-left-width:0;border-right-width:0">
               <tr>
                <td style="font-size:1px;mso-line-height-rule:exactly;line-height:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#000000">
                </td>
               </tr>
              </table>
             </div>
            </td>
           </tr>
           <tr style="padding-top:5px;padding-bottom:5px">
            <td class="td100" colspan="6" style="line-height:1.5;width:100%;padding:5px 20px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000;mso-line-height-rule:exactly">
             <h2 style="mso-line-height-rule:exactly;Margin:0;font-family:Arial;font-size:20px;color:#000;">
              <span style="font-size:18px;color:#168DD9">
               HERE'S WHAT YOU NEED TO KNOW
               <span class="ql-cursor">
                
               </span>
              </span>
             </h2>
            </td>
           </tr>
           <tr style="padding-top:10px;padding-bottom:10px">
            <td class="td100" colspan="6" style="width:100%;padding:10px 20px;line-height:1.5;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000;mso-line-height-rule:exactly">
             <div>
              <strong style="background-color:#FFFFFF;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;color:#000000;font-size:16px">
               The AI arms race is a capex boom.
              </strong>
              <span style="background-color:#FFFFFF;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;color:#000000;font-size:16px">
               Four Big Tech giants are projecting about $650 billion in 2026 capex, a scale that’s large enough to show up in GDP and concentrated enough
              </span>
              <a data-linktext="to reshape the business cycle." data-linktype="Normal" style="color:#168DD9;text-decoration:none;background-color:#FFF;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;font-size:16px;" target="_blank">
               to reshape the business cycle.
              </a>
              <span style="color:#000000;background-color:#FFFFFF;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;font-size:16px">
               
              </span>
             </div>
            </td>
           </tr>
           <tr style="padding-top:10px;padding-bottom:10px">
            <td class="td100" colspan="6" style="width:100%;padding:10px 
20px;line-height:1.5;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000;mso-line-height-rule:exactly">
             <div>
              <strong style="background-color:#FFFFFF;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;color:#000000;font-size:16px">
               Crypto’s “Trump bump” is now a memory.
              </strong>
              <span style="background-color:#FFFFFF;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;color:#000000;font-size:16px">
               Bitcoin’s dip below $64,000 (see: forced liquidations, ETF outflows, and a broader risk-asset 
pullback) is reviving arguments about durability and turning into
              </span>
              <a data-linktext="a balance-sheet problem." data-linktype="Normal" style="color:#168DD9;text-decoration:none;background-color:#FFF;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;font-size:16px;" target="_blank">
               a balance-sheet problem.
              </a>
             </div>
            </td>
           </tr>
           <tr style="padding-top:10px;padding-bottom:10px">
            <td align="center" class="td100" colspan="6" style="width:100%;padding-top:10px;padding-bottom:10px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <div class="ruleContent">
              <table align="center" border="0" cellpadding="0" cellspacing="0" style="border:0 #9B9B9B;height:1px;width:100%;text-align:center;background-color:#888888;color:#9B9B9B;margin:0 auto;border-left-width:0;border-right-width:0">
               <tr>
                <td style="font-size:1px;mso-line-height-rule:exactly;line-height:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#000000">
                </td>
               </tr>
              </table>
             </div>
            </td>
           </tr>
           <tr>
            <td class="snippet td100" colspan="6" style="width:100%;position:static;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <table border="0" cellpadding="0" cellspacing="0" class="dragndrop" height="100%" style="table-layout:fixed;" width="100%">
              <tbody>
               <tr>
                <td class="td100" colspan="6" height="24" style="width:100%;background-color:#EFF5F8;height:24px;font-size:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#000000">
                 <img src="https://inboxflows.com/_/image/http%253A%252F%252Feditor.ne16.com%252Fspacer.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRmVkaXRvci5uZTE2LiIsInRpbWUiOjE3NzA2MTUwNTkuOTY5MDU2fQ:1vpJrP:fvEEv8gzvpf04E3qqeOJpS9ROhMlvaFv1Nt7QrWZVPw" style="mso-hide:all;display: none;width:0px;height:0px;border:0;"/>
                </td>
               </tr>
               <tr style="padding-top:5px;padding-bottom:5px">
                <td class="td100" colspan="6" style="padding:5px 20px;width:100%;vertical-align:middle;text-align:center;background-color:#EFF5F8;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                 <div>
                  SPONSORED
                 </div>
                </td>
               </tr>
               <tr>
                <td class="td100" colspan="6" style="width:100%;font-size:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#000000">
                 <a aria-label="Linked image" style="color:#168DD9;" target="_blank">
                  <img class="img100" data-linktype="Normal" data-target="_blank" height="auto" src="https://inboxflows.com/_/image/https%253A%252F%252Feditor.ne16.com%252Fquartz-prod%252Fempowerly_v2-1024x576.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlZGl0b3IubmUxNiIsInRpbWUiOjE3NzA2MTUwNTkuOTY5MTQxN30:1vpJrP:c6-7IelFmxLCN2Lhk-sKmNmGpXASGFd21KfPWMmuy6g" style="width:100%;max-height:338px;display:block;max-width:600px;vertical-align:middle;border:0;" width="600"/>
                 </a>
                </td>
               </tr>
               <tr style="padding-top:10px;padding-bottom:10px">
                <td class="td100" colspan="6" style="padding:10px 20px;font-family:Arial,Helvetica,sans-serif;color:#168DD9;line-height:1.5;width:100%;background-color:#EFF5F8;vertical-align:top;font-size:12px;mso-line-height-rule:exactly">
                 <h2 style="mso-line-height-rule:exactly;Margin:0;font-family:Arial;font-size:20px;color:#000;">
                  <span style="font-size:24px;color:#000000">
                   Turn college prep into a winning strategy
                   <span class="ql-cursor">
                    
                   </span>
                  </span>
                 </h2>
                </td>
               </tr>
               <tr style="padding-top:10px;padding-bottom:10px">
                <td class="td100" colspan="6" style="padding:10px 20px;line-height:1.5;width:100%;background-color:#EFF5F8;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000;mso-line-height-rule:exactly">
                 <div>
                  <span style="font-size: 16px">
                   As a parent, you’re on top of a hundred things already, so “college prep” can turn into a pile of tabs, 
deadlines, and vague advice.
                  </span>
                 </div>
                 <div>
                  <br/>
                 </div>
                 <div>
                  <span style="font-size: 16px">
                   <span class="ql-cursor">
                    
                   </span>
                   Empowerly counselors help you and your student complete the right milestones at the right time. It starts with a free consultation call where an admissions advisor learns your student’s target schools, reviews their academics and activities, and gives you a clear, honest read on what to do next.
                  </span>
                 </div>
                 <div>
                  <br/>
                 </div>
                 <div>
                  <span style="font-size: 16px">
                   From there, you can match with a counselor who understands your 
student’s target schools and intended major, use the Empowerly Score® for data-backed insights, and tap into experience programs like research, internships, and AI projects that can strengthen their application.
                  </span>
                 </div>
                </td>
               </tr>
               <tr>
                <td class="td100" colspan="6" style="width:100%;background-color:#EFF5F8;vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                 <table border="0" cellpadding="0" cellspacing="0" style="margin: 0 auto;" width="90%">
                  <tbody>
                   <tr>
                    <td align="center" bgcolor="#105C8E" style="text-align:center;-webkit-border-radius:6px;-moz-border-radius:6px;border-radius:6px;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                     <table align="center" border="0" cellpadding="0" cellspacing="0" style="border:none; border-spacing: 0; border-collapse: collapse; mso-table-lspace:0; mso-table-rspace:0; mso-margin-top-alt:0px; mso-margin-bottom-alt:0px; mso-padding-alt: 0px 0px 0px 0px;" width="100%">
                      <tbody>
                       <tr>
                        <td height="40" style="vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000" valign="middle">
                         <a style="-webkit-border-radius: 6px; -moz-border-radius: 6px; border-radius: 6px; color: #FFFFFF; text-decoration: none; font-family: Arial; font-size: 18px; font-weight: bold; border: 1px solid #105C8E; display: block; " target="_blank">
                         </a>
                         <table bgcolor="#105C8E" cellpadding="0" cellspacing="0" class="newButton" height="40" style="-webkit-border-radius: 6px; -moz-border-radius: 6px; border-radius: 6px; padding-right:25px;mso-padding-right-alt: 25px;padding-left:25px;mso-padding-left-alt: 25px;padding-top:25px;mso-padding-top-alt: 25px;padding-bottom:25px;mso-padding-bottom-alt: 25px; " width="100%">
                          <tbody>
                           <tr>
                            <td align="center" bgcolor="#105C8E" style="text-align:center;vertical-align:middle;-webkit-border-radius:6px;-moz-border-radius:6px;border-radius:6px;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000" valign="middle">
                             <table bgcolor="#105C8E" cellpadding="0" cellspacing="0" style="-webkit-border-radius: 6px; -moz-border-radius: 6px; border-radius: 6px; " width="100%">
                              <tbody>
                               <tr>
                                <td align="center" bgcolor="#105C8E" style="text-align:center;-webkit-border-radius:6px;-moz-border-radius:6px;border-radius:6px;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                                 <!--[if !mso]><!-->
                                 <a style="-webkit-border-radius: 6px; -moz-border-radius: 6px; border-radius: 6px; color: #FFFFFF; text-decoration: none; font-family: Arial; font-size: 18px; font-weight: bold; border: none; display: block; ">
                                  Get My Free Consult
                                 </a>
                                 <!--<![endif]-->
                                 <!--[if mso]><a href="https://www.ne16.com/t/10252664/222404108/9097088/4/1009235/?f5d63f87=UXVhcnR6JTIwRGFpbHklMjBCcmllZg&x=104af28e" target="_blank" style="-webkit-border-radius: 6px; -moz-border-radius: 6px; 
border-radius: 6px; color: #FFFFFF; text-decoration: none; font-family: Arial; font-size: 18px; font-weight: bold; border: none; display: block; ">Get My Free Consult</a><![endif]-->
                                </td>
                               </tr>
                              </tbody>
                             </table>
                            </td>
                           </tr>
                          </tbody>
                         </table>
                        </td>
                       </tr>
                      </tbody>
                     </table>
                    </td>
                   </tr>
                  </tbody>
                 </table>
                </td>
               </tr>
               <tr>
                <td class="td100" colspan="6" height="24" style="width:100%;background-color:#EFF5F8;height:24px;font-size:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#000000">
                 <img src="https://inboxflows.com/_/image/http%253A%252F%252Feditor.ne16.com%252Fspacer.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRmVkaXRvci5uZTE2LiIsInRpbWUiOjE3NzA2MTUwNTkuOTY5MjIxNn0:1vpJrP:DtIdB-KbFVcIRpxupkp-gKj2nOyaChOwFrRmq0CHuvk" style="mso-hide:all;display: none;width:0px;height:0px;border:0;"/>
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
           <tr style="padding-top:10px;padding-bottom:10px">
            <td align="center" class="td100" colspan="6" style="width:100%;padding-top:10px;padding-bottom:10px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <div class="ruleContent">
              <table align="center" border="0" cellpadding="0" cellspacing="0" style="border:0 #9B9B9B;height:1px;width:100%;text-align:center;background-color:#888888;color:#9B9B9B;margin:0 
auto;border-left-width:0;border-right-width:0">
               <tr>
                <td style="font-size:1px;mso-line-height-rule:exactly;line-height:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#000000">
                </td>
               </tr>
              </table>
             </div>
            </td>
           </tr>
           <tr style="padding-top:5px;padding-bottom:5px">
            <td class="td100" colspan="6" style="line-height:1.5;width:100%;padding:5px 20px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000;mso-line-height-rule:exactly">
             <h2 style="mso-line-height-rule:exactly;Margin:0;font-family:Arial;font-size:20px;color:#000;">
              <span style="font-size:18px;color:#168DD9">
               LOAN AND BEHOLD
              </span>
             </h2>
            </td>
           </tr>
           <tr>
            <td class="td100" colspan="6" style="padding-right:30px;padding-left:30px;line-height:1.5;width:100%;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000;mso-line-height-rule:exactly">
             <div>
              <span style="font-size: 16px">
               The down payment is still the housing market’s bouncer, and the cover charge keeps rising. With the national median 
existing-home price at $405,400 as of December and mortgage rates still north of 6%, the market is asking buyers to show real cash before it even considers letting them inside.
              </span>
             </div>
             <div>
              <br/>
             </div>
             <div>
              <span style="font-size: 16px">
               That pressure has produced a parallel system most buyers barely know exists.
              </span>
             </div>
             <div>
              <br/>
             </div>
             <div>
              <span style="font-size: 16px">
               Down payment assistance has quietly turned into a shadow mortgage market — real money, real rules, and real leverage for anyone who knows where to look. Down Payment 
Resource counted almost 2,700 assistance programs in late 2025, offering an average of $18,000 per borrower.
              </span>
             </div>
             <div>
              <br/>
             </div>
             <div>
              <span style="font-size: 16px">
               Some programs forgive the money slowly if you stay put; others sit behind your main loan as a second mortgage. The goal is durability, not flipping. As DPR CEO Rob Chrane put it, affordability is still the defining challenge — and lowering upfront costs improves who even gets to compete.
              </span>
             </div>
             <div>
              <br/>
             </div>
             <div>
              <span style="font-size: 16px">
               The pitch is simple: lower 
upfront costs, lower loan-to-value ratios, better odds of hearing “clear to close.”
              </span>
             </div>
             <div>
              <br/>
             </div>
             <div>
              <span style="font-size: 16px">
               But this shadow market has a tell: It rewards information access. There’s no master directory, no obvious front door, and almost no marketing. Many programs live inside state agencies or nonprofits that assume someone else is explaining the rules, which means first-generation buyers often don’t even know the game is being played.
              </span>
             </div>
             <div>
              <br/>
             </div>
             <div>
              <span style="font-size: 16px">
               That 
information gap shows up in the math.
              </span>
             </div>
             <div>
              <br/>
             </div>
             <div>
              <span style="font-size: 16px">
               Zillow says the typical household already spends 32.6% of its median income on a typical mortgage, even after a full 20% down payment. That’s why first-time buyers usually put far less down — and why assistance can be the difference between clearing underwriting and quietly exiting Zillow. And Zillow now links to applicable programs on listings — the American dream, with clickable fine print.
              </span>
             </div>
             <div>
              <br/>
             </div>
             <div>
              <span style="font-size: 16px">
               The result is a housing market that now assumes outside help — just unevenly. The down payment is still there, it’s just been outsourced to a maze of programs, forms, and eligibility checks.
              </span>
             </div>
             <div>
              <br/>
             </div>
             <div>
              <span style="font-size: 16px">
               In 2026, buying a home still takes money, but it also takes insider knowledge — and the shadow system works best for buyers who know where the shadows are.
              </span>
              <a data-linktext="Quartz’s Deborah Kearns has more on the down payment help that exists — and on why buyers keep missing it." data-linktype="Normal" style="color:#168DD9;text-decoration:none;font-size:16px;" target="_blank">
               Quartz’s Deborah Kearns has more on the down payment help that exists — and on why buyers keep missing it.
              </a>
             </div>
            </td>
           </tr>
           <tr style="padding-top:10px;padding-bottom:10px">
            <td align="center" class="td100" colspan="6" style="width:100%;padding-top:10px;padding-bottom:10px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <div class="ruleContent">
              <table align="center" border="0" cellpadding="0" cellspacing="0" style="border:0 #9B9B9B;height:1px;width:100%;text-align:center;background-color:#888888;color:#9B9B9B;margin:0 auto;border-left-width:0;border-right-width:0">
               <tr>
                <td style="font-size:1px;mso-line-height-rule:exactly;line-height:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#000000">
                </td>
               </tr>
              </table>
             </div>
            </td>
           </tr>
           <tr>
            <td class="td100" colspan="6" height="24" style="width:100%;height:24px;font-size:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#000000">
             <img src="https://inboxflows.com/_/image/http%253A%252F%252Feditor.ne16.com%252Fspacer.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRmVkaXRvci5uZTE2LiIsInRpbWUiOjE3NzA2MTUwNTkuOTY5Mjk5OH0:1vpJrP:xZlcJxyOipnpUPdhlTP6gwtVPOfOeWelSU0HNs3ueo0" style="mso-hide:all;display: none;width:0px;height:0px;border:0;"/>
            </td>
           </tr>
           <tr style="padding-top:5px;padding-bottom:5px">
            <td class="td100" colspan="6" style="line-height:1.5;width:100%;padding:5px 20px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000;mso-line-height-rule:exactly">
             <h2 style="mso-line-height-rule:exactly;Margin:0;font-family:Arial;font-size:20px;color:#000;">
              <span style="font-size:14px;color:#168DD9">
               RECOMMENDED READING
              </span>
             </h2>
            </td>
           </tr>
           <tr>
            <td class="snippet td100" colspan="6" style="width:100%;position:static;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <table border="0" cellpadding="0" cellspacing="0" class="dragndrop" height="100%" style="table-layout:fixed;" width="100%">
              <tbody>
               <tr style="padding-top:20px;padding-bottom:20px">
                <td class="td100" colspan="6" style="font-family:Arial,Helvetica,sans-serif;line-height:1.3;width:100%;background-color:#E9F2F9;font-size:16px;padding:20px;vertical-align:top;color:#000000;mso-line-height-rule:exactly">
                 <h2 style="mso-line-height-rule:exactly;Margin:0;line-height:1.5;font-family:Arial;font-size:20px;color:#000;">
                  <strong style="font-family: Georgia, serif; font-size: 20px">
                   The 
future of tech, decoded.
                  </strong>
                 </h2>
                 <div style="line-height: 1.5">
                  <br/>
                 </div>
                 <div style="line-height: 1.5">
                  <a data-linktext="Semafor Technology" data-linktype="Normal" style="color:#105C8E;text-decoration:none;" target="_blank">
                   Semafor Technology
                  </a>
                  unpacks the ideas, innovations, and power shifts redefining the global tech landscape. From AI and machine learning to the startups and policies shaping
the industry, each briefing delivers clarity and depth on the tech transforming our world
                 </div>
                 <div style="line-height: 1.5">
                  <br/>
                 </div>
                 <div style="line-height: 1.5">
                  <strong style="color:#105C8E">
                   <a data-linktext="Subscribe for free." data-linktype="Normal" style="color:#105C8E;text-decoration:none;" target="_blank">
                    Subscribe for 
free.
                   </a>
                  </strong>
                 </div>
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
           <tr>
            <td class="td100" colspan="6" height="24" style="width:100%;height:24px;font-size:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#000000">
             <img src="https://inboxflows.com/_/image/http%253A%252F%252Feditor.ne16.com%252Fspacer.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRmVkaXRvci5uZTE2LiIsInRpbWUiOjE3NzA2MTUwNTkuOTY5Mzc2OH0:1vpJrP:Te-ePvFtmhKMs-JI-X1FDZlq9EwpxU0zZDUmxjjNszM" style="mso-hide:all;display: none;width:0px;height:0px;border:0;"/>
            </td>
           </tr>
           <tr style="padding-top:10px;padding-bottom:10px">
            <td align="center" class="td100" colspan="6" style="width:100%;padding-top:10px;padding-bottom:10px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <div class="ruleContent">
              <table align="center" border="0" cellpadding="0" cellspacing="0" style="border:0 #9B9B9B;height:1px;width:100%;text-align:center;background-color:#888888;color:#9B9B9B;margin:0 auto;border-left-width:0;border-right-width:0">
               <tr>
                <td style="font-size:1px;mso-line-height-rule:exactly;line-height:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#000000">
                </td>
               </tr>
              </table>
             </div>
            </td>
           </tr>
           <tr style="padding-top:5px;padding-bottom:5px">
            <td class="td100" colspan="6" style="line-height:1.5;width:100%;padding:5px 20px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000;mso-line-height-rule:exactly">
             <h2 style="mso-line-height-rule:exactly;Margin:0;font-family:Arial;font-size:20px;color:#000;">
              <span style="color:#168DD9;font-size:18px">
               DO NOT DISTURBIA
              </span>
             </h2>
            </td>
           </tr>
           <tr>
            <td class="td100" colspan="6" style="padding-right:30px;padding-left:30px;line-height:1.5;width:100%;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000;mso-line-height-rule:exactly">
             <div>
              <span style="font-size: 16px">
               People are reaching for things that sit still. Paperbacks are getting dog-eared again, puzzles are leaving half-finished evidence on kitchen tables, and a handwritten note suddenly feels like a flex — mostly because 
they can’t vibrate, refresh, or ask you to rate your experience.
              </span>
             </div>
             <div>
              <br/>
             </div>
             <div>
              <span style="font-size: 16px">
               Analog’s appeal is obvious to anyone who’s ever tried to read one paragraph on their phone and accidentally emerged 14 minutes later knowing a stranger’s divorce timeline. Attention is starting to feel like something you can lose without ever noticing it’s gone.
              </span>
             </div>
             <div>
              <br/>
             </div>
             <div>
              <span style="font-size: 16px">
               So-called “dumbphone” sales rose 25% in 2025, and an Eyesafe report projects someone born in 2025 
will spend 21 years — more than 181,000 hours — looking at screens, a quarter of a life and more than 40% of waking hours. That’s a lot of childhoods spent staring at screens.
              </span>
             </div>
             <div>
              <br/>
             </div>
             <div>
              <span style="font-size: 16px">
               One licensed therapist is warning that excess screen time can contribute to loneliness, isolation, worry, and addiction, which prevents us from living in the moment with family, friends, and daily routines.
              </span>
             </div>
             <div>
              <br/>
             </div>
             <div>
              <span style="font-size: 16px">
               A feed can fill a day and still feel 
empty, like your days are being quietly strip-mined.
              </span>
             </div>
             <div>
              <br/>
             </div>
             <div>
              <span style="font-size: 16px">
               Analog sells the opposite experience: limits you can see, endings you can reach, silence you don’t have to troubleshoot. Bob Hutchins, CEO of Human Voice Media, says humans “crave resistance.” Paper pushes back. So does a pen. So does anything that forces you to choose what happens next.
              </span>
             </div>
             <div>
              <br/>
             </div>
             <div>
              <span style="font-size: 16px">
               The hardest place to go quiet is the place that pays you to be online. Experts say 
to put your phone on “do not disturb” mode as much as possible — answering your phone once at 9 p.m. teaches people to expect you to always answer your phone at 9 p.m.
              </span>
             </div>
             <div>
              <br/>
             </div>
             <div>
              <span style="font-size: 16px">
               What’s coming back isn’t quaintness. It’s boundaries you can hold in your hands: a book that doesn’t refresh, a board game that can’t ping you, a letter that can’t ask you to subscribe.
              </span>
             </div>
             <div>
              <br/>
             </div>
             <div>
              <span style="font-size: 16px">
               The future keeps arriving faster, and a growing number of people are 
dealing with it by buying the one thing the internet can’t ship: a little uninterrupted time.
              </span>
              <a data-linktext="Quartz’s Brian O’Connell has more on why “do nothing” products are suddenly hot." data-linktype="Normal" style="color:#168DD9;text-decoration:none;font-size:16px;" target="_blank">
               Quartz’s Brian O’Connell has more on why “do 
nothing” products are suddenly hot.
              </a>
             </div>
            </td>
           </tr>
           <tr style="padding-top:10px;padding-bottom:10px">
            <td align="center" class="td100" colspan="6" style="width:100%;padding-top:10px;padding-bottom:10px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <div class="ruleContent">
              <table align="center" border="0" cellpadding="0" cellspacing="0" style="border:0 #9B9B9B;height:1px;width:100%;text-align:center;background-color:#888888;color:#9B9B9B;margin:0 auto;border-left-width:0;border-right-width:0">
               <tr>
                <td style="font-size:1px;mso-line-height-rule:exactly;line-height:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#000000">
                </td>
               </tr>
              </table>
             </div>
            </td>
           </tr>
           <tr>
            <td class="snippet td100" colspan="6" style="width:100%;position:static;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <table border="0" cellpadding="0" cellspacing="0" class="dragndrop" height="100%" style="table-layout:fixed;" width="100%">
              <tbody>
               <tr>
                <td class="td100" colspan="6" height="24" style="width:100%;background-color:#EFF5F8;height:24px;font-size:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#000000">
                 <img src="https://inboxflows.com/_/image/http%253A%252F%252Feditor.ne16.com%252Fspacer.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRmVkaXRvci5uZTE2LiIsInRpbWUiOjE3NzA2MTUwNTkuOTY5NDUzNn0:1vpJrP:AxM40abi6a_22xozhYqM-dOq7wpzhL8T3b5RD7KCazM" style="mso-hide:all;display: none;width:0px;height:0px;border:0;"/>
                </td>
               </tr>
               <tr style="padding-top:5px;padding-bottom:5px">
                <td class="td100" colspan="6" style="padding:5px 20px;width:100%;vertical-align:middle;text-align:center;background-color:#EFF5F8;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                 <div>
                  SPONSORED
                 </div>
                </td>
               </tr>
               <tr>
                <td class="td100" colspan="6" style="width:100%;font-size:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#000000">
                 <a aria-label="Linked image" style="color:#168DD9;" target="_blank">
                  <img class="img100" data-linktype="Normal" data-target="_blank" height="auto" src="https://inboxflows.com/_/image/https%253A%252F%252Feditor.ne16.com%252Fquartz-prod%252Fempowerly_v2-1024x576.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlZGl0b3IubmUxNiIsInRpbWUiOjE3NzA2MTUwNTkuOTY5NTM0Mn0:1vpJrP:VrbEI4q_zRnKxMpNCg3GTiB0dWQouG7efD-dIVFIDfs" style="width:100%;max-height:338px;display:block;max-width:600px;vertical-align:middle;border:0;" width="600"/>
                 </a>
                </td>
               </tr>
               <tr style="padding-top:10px;padding-bottom:10px">
                <td class="td100" colspan="6" style="padding:10px 20px;font-family:Arial,Helvetica,sans-serif;color:#168DD9;line-height:1.5;width:100%;background-color:#EFF5F8;vertical-align:top;font-size:12px;mso-line-height-rule:exactly">
                 <h2 style="mso-line-height-rule:exactly;Margin:0;font-family:Arial;font-size:20px;color:#000;">
                  <span style="font-size:24px;color:#000000">
                   Turn college prep into a winning strategy
                   <span class="ql-cursor">
                    
                   </span>
                  </span>
                 </h2>
                </td>
               </tr>
               <tr style="padding-top:10px;padding-bottom:10px">
                <td class="td100" colspan="6" style="padding:10px 20px;line-height:1.5;width:100%;background-color:#EFF5F8;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000;mso-line-height-rule:exactly">
                 <div>
                  <span style="font-size: 16px">
                   As a parent, you’re on top of a hundred things already, so “college prep” can turn into a pile of tabs, 
deadlines, and vague advice.
                  </span>
                 </div>
                 <div>
                  <br/>
                 </div>
                 <div>
                  <span style="font-size: 16px">
                   <span class="ql-cursor">
                    
                   </span>
                   Empowerly counselors help you and your student complete the right milestones at the right time. It starts with a free consultation call where an admissions advisor learns your student’s target schools, reviews their academics and activities, and gives you a clear, honest read on what to do next.
                  </span>
                 </div>
                 <div>
                  <br/>
                 </div>
                 <div>
                  <span style="font-size: 16px">
                   From there, you can match with a counselor who understands your 
student’s target schools and intended major, use the Empowerly Score® for data-backed insights, and tap into experience programs like research, internships, and AI projects that can strengthen their application.
                  </span>
                 </div>
                </td>
               </tr>
               <tr>
                <td class="td100" colspan="6" style="width:100%;background-color:#EFF5F8;vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                 <table border="0" cellpadding="0" cellspacing="0" style="margin: 0 auto;" width="90%">
                  <tbody>
                   <tr>
                    <td align="center" bgcolor="#105C8E" style="text-align:center;-webkit-border-radius:6px;-moz-border-radius:6px;border-radius:6px;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                     <table align="center" border="0" cellpadding="0" cellspacing="0" style="border:none; border-spacing: 0; border-collapse: collapse; mso-table-lspace:0; mso-table-rspace:0; mso-margin-top-alt:0px; mso-margin-bottom-alt:0px; mso-padding-alt: 0px 0px 0px 0px;" width="100%">
                      <tbody>
                       <tr>
                        <td height="40" style="vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000" valign="middle">
                         <a style="-webkit-border-radius: 6px; -moz-border-radius: 6px; border-radius: 6px; color: #FFFFFF; text-decoration: none; font-family: Arial; font-size: 18px; font-weight: bold; border: 1px solid #105C8E; display: block; " target="_blank">
                         </a>
                         <table bgcolor="#105C8E" cellpadding="0" cellspacing="0" class="newButton" height="40" style="-webkit-border-radius: 6px; -moz-border-radius: 6px; border-radius: 6px; padding-right:25px;mso-padding-right-alt: 25px;padding-left:25px;mso-padding-left-alt: 25px;padding-top:25px;mso-padding-top-alt: 25px;padding-bottom:25px;mso-padding-bottom-alt: 25px; " width="100%">
                          <tbody>
                           <tr>
                            <td align="center" bgcolor="#105C8E" style="text-align:center;vertical-align:middle;-webkit-border-radius:6px;-moz-border-radius:6px;border-radius:6px;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000" valign="middle">
                             <table bgcolor="#105C8E" cellpadding="0" cellspacing="0" style="-webkit-border-radius: 6px; -moz-border-radius: 6px; border-radius: 6px; " width="100%">
                              <tbody>
                               <tr>
                                <td align="center" bgcolor="#105C8E" style="text-align:center;-webkit-border-radius:6px;-moz-border-radius:6px;border-radius:6px;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                                 <!--[if !mso]><!-->
                                 <a style="-webkit-border-radius: 6px; -moz-border-radius: 6px; border-radius: 6px; color: #FFFFFF; text-decoration: none; font-family: Arial; font-size: 18px; font-weight: bold; border: none; display: block; ">
                                  Get My Free Consult
                                 </a>
                                 <!--<![endif]-->
                                 <!--[if mso]><a href="https://www.ne16.com/t/10252664/222404108/9097088/5/1009235/?f5d63f87=UXVhcnR6JTIwRGFpbHklMjBCcmllZg&x=55d1ca4e" target="_blank" style="-webkit-border-radius: 6px; -moz-border-radius: 6px; 
border-radius: 6px; color: #FFFFFF; text-decoration: none; font-family: Arial; font-size: 18px; font-weight: bold; border: none; display: block; ">Get My Free Consult</a><![endif]-->
                                </td>
                               </tr>
                              </tbody>
                             </table>
                            </td>
                           </tr>
                          </tbody>
                         </table>
                        </td>
                       </tr>
                      </tbody>
                     </table>
                    </td>
                   </tr>
                  </tbody>
                 </table>
                </td>
               </tr>
               <tr>
                <td class="td100" colspan="6" height="24" style="width:100%;background-color:#EFF5F8;height:24px;font-size:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#000000">
                 <img src="https://inboxflows.com/_/image/http%253A%252F%252Feditor.ne16.com%252Fspacer.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRmVkaXRvci5uZTE2LiIsInRpbWUiOjE3NzA2MTUwNTkuOTY5NjEyMX0:1vpJrP:Q3ZCCc9ETrnyvDA8VT48bstf-Cgdv5htdLmksBolVLw" style="mso-hide:all;display: none;width:0px;height:0px;border:0;"/>
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
           <tr style="padding-top:10px;padding-bottom:10px">
            <td align="center" class="td100" colspan="6" style="width:100%;padding-top:10px;padding-bottom:10px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <div class="ruleContent">
              <table align="center" border="0" cellpadding="0" cellspacing="0" style="border:0 #9B9B9B;height:1px;width:100%;text-align:center;background-color:#888888;color:#9B9B9B;margin:0 
auto;border-left-width:0;border-right-width:0">
               <tr>
                <td style="font-size:1px;mso-line-height-rule:exactly;line-height:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#000000">
                </td>
               </tr>
              </table>
             </div>
            </td>
           </tr>
           <tr style="padding-top:5px;padding-bottom:5px">
            <td class="td100" colspan="6" style="line-height:1.5;width:100%;padding:5px 20px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000;mso-line-height-rule:exactly">
             <h2 style="mso-line-height-rule:exactly;Margin:0;font-family:Arial;font-size:20px;color:#000;">
              <span style="color:#168DD9;font-size:18px">
               MORE FROM QUARTZ
              </span>
             </h2>
            </td>
           </tr>
           <tr style="padding-top:10px;padding-bottom:10px">
            <td class="td100" colspan="6" style="width:100%;padding:10px 20px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <div>
              <span style="background-color:#FFFFFF;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;color:#000000;font-size:16px">
               🏈
              </span>
              <a data-linktext="Those Super Bowl hangovers? They could cost the economy $5 billion" data-linktype="Normal" style="color:#168DD9;text-decoration:none;background-color:#FFF;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;font-size:16px;" target="_blank">
               Those Super Bowl hangovers? They could cost the economy $5 billion
              </a>
             </div>
            </td>
           </tr>
           <tr style="padding-top:10px;padding-bottom:10px">
            <td class="td100" colspan="6" style="width:100%;padding:10px 20px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <div>
              <span style="font-size:16px;color:#000000;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;background-color:#FFFFFF">
               🌴
              </span>
              <a data-linktext="Reader’s Digest says these are the best winter vacations in the U.S." data-linktype="Normal" style="color:#168DD9;text-decoration:none;font-size:16px;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;background-color:#FFF;" target="_blank">
               Reader’s Digest says these are the best winter vacations in the U.S.
              </a>
             </div>
            </td>
           </tr>
           <tr style="padding-top:10px;padding-bottom:10px">
            <td class="td100" colspan="6" style="width:100%;padding:10px 
20px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <div>
              <span style="font-size:16px;color:#000000;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;background-color:#FFFFFF">
               🚗
              </span>
              <a data-linktext="See what Consumer Reports thinks of these redesigned sedans" data-linktype="Normal" style="color:#168DD9;text-decoration:none;font-size:16px;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;background-color:#FFF;" target="_blank">
               See what Consumer Reports thinks of these redesigned sedans
              </a>
             </div>
            </td>
           </tr>
           <tr style="padding-top:10px;padding-bottom:10px">
            <td class="td100" colspan="6" style="width:100%;padding:10px 20px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <div>
              <span style="font-size:16px;color:#000000;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;background-color:#FFFFFF">
               👀
              </span>
              <a data-linktext="These are the best car insurance companies for seniors" data-linktype="Normal" style="color:#168DD9;text-decoration:none;font-size:16px;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;background-color:#FFF;" target="_blank">
               These are the best car insurance companies for seniors
              </a>
             </div>
            </td>
           </tr>
           <tr style="padding-top:10px;padding-bottom:10px">
            <td align="center" class="td100" colspan="6" style="width:100%;padding-top:10px;padding-bottom:10px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <div class="ruleContent">
              <table align="center" border="0" cellpadding="0" cellspacing="0" style="border:0 
#9B9B9B;height:1px;width:100%;text-align:center;background-color:#888888;color:#9B9B9B;margin:0 auto;border-left-width:0;border-right-width:0">
               <tr>
                <td style="font-size:1px;mso-line-height-rule:exactly;line-height:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#000000">
                </td>
               </tr>
              </table>
             </div>
            </td>
           </tr>
           <tr style="padding-top:10px;padding-bottom:10px">
            <td class="td100" colspan="6" style="width:100%;padding:10px 20px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <div>
              <span style="background-color:#FFFFFF;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;color:#000000;font-size:16px">
               Our best wishes on a safe start to the day. Send any news, comments, and more to
              </span>
              <a data-linktext="talk@qz.com." data-linktype="Normal" style="color:#168DD9;background-color:#FFF;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;font-size:16px;text-decoration:none;" target="_blank">
               talk@qz.com.
              </a>
             </div>
            </td>
           </tr>
           <tr>
            <td class="snippet td100" colspan="6" style="width:100%;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <table border="0" cellpadding="0" cellspacing="0" class="email-cell-group" style="border-collapse:collapse;width:100%;table-layout:fixed;">
              <colgroup>
               <col width="17%"/>
               <col width="17%"/>
               <col width="17%"/>
               <col width="17%"/>
               <col width="17%"/>
               <col width="17%"/>
              </colgroup>
              <tbody>
               <tr>
                <td align="center" colspan="6" style="width:100%;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                 <div class="ruleContent">
                  <table align="center" border="0" cellpadding="0" cellspacing="0" style="border:0 #9B9B9B;height:1px;width:100%;text-align:center;background-color:#999999;color:#9B9B9B;margin:0 auto;border-left-width:0;border-right-width:0">
                   <tr>
                    <td style="font-size:1px;mso-line-height-rule:exactly;line-height:1px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;color:#000000">
                    </td>
                   </tr>
                  </table>
                 </div>
                </td>
               </tr>
               <tr style="padding-top:10px;padding-bottom:10px">
                <td colspan="6" style="vertical-align:middle;text-align:center;padding-top:10px;padding-bottom:10px;width:100%;font-size:1px;font-family:Arial,Helvetica,sans-serif;color:#000000">
                 <a aria-label="Linked image" style="color:#168DD9;" target="_blank">
                  <img class="img100" data-linktype="Normal" data-target="_blank" height="auto" src="https://inboxflows.com/_/image/https%253A%252F%252Feditor.ne16.com%252Fquartz-prod%252F070125-quartz-logo.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlZGl0b3IubmUxNiIsInRpbWUiOjE3NzA2MTUwNTkuOTY5NjkzNH0:1vpJrP:NF8j0NHcSZpJiUVhhRSN-ZlV6ByvZdWo9Vt68fJKBYM" style="box-sizing:border-box;padding-top:0;padding-bottom:0;width:200px;max-height:32px;vertical-align:middle;border:0;" width="200"/>
                 </a>
                </td>
               </tr>
               <tr style="padding-top:5px;padding-bottom:5px">
                <td colspan="6" style="padding-top:5px;padding-bottom:5px;width:100%;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                 <div style="text-align: center">
                  <strong style="font-size:14px;color:#168DD9">
                   <a data-linktext="TERMS OF SERVICE" data-linktype="Normal" style="color:#168DD9;text-decoration:none;" target="_blank">
                    TERMS OF 
SERVICE
                   </a>
                  </strong>
                  <strong style="font-size: 14px">
                   |
                  </strong>
                  <strong style="font-size:14px;color:#168DD9">
                   <a data-linktext="PRIVACY POLICY" data-linktype="Normal" style="color:#168DD9;text-decoration:none;" target="_blank">
                    PRIVACY POLICY
                   </a>
                  </strong>
                  <strong style="font-size: 14px">
                   |
                  </strong>
                  <strong style="font-size:14px;color:#168DD9">
                   <a data-linktext="UNSUBSCRIBE" data-linktype="Normal" style="color:#168DD9;text-decoration:none;" target="_blank">
                    UNSUBSCRIBE
                   </a>
                  </strong>
                 </div>
                </td>
               </tr>
               <tr>
                <td colspan="6" style="width:100%;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                 <div style="text-align: center">
                  <span style="font-size:14px;color:#888888">
                   © 2025 QUARTZ MEDIA NETWORK (US), INC. ALL RIGHTS RESERVED.
                  </span>
                 </div>
                </td>
               </tr>
               <tr>
                <td colspan="6" style="width:100%;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                 <div style="text-align: center">
                  <span style="font-size:14px;color:#888888">
                   848 N. Rainbow Blvd. 3017 Las Vegas, NV 89107 United States
                  </span>
                 </div>
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
           <tr>
            <td class="snippet td100" colspan="6" style="width:100%;position:static;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <table border="0" cellpadding="0" cellspacing="0" class="dragndrop" height="100%" style="table-layout:fixed;" width="100%">
              <tbody>
               <tr>
                <td class="td100" colspan="6" style="width:100%;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                 <div class="editor-email-codeblock" style="margin: 11px; font-size: 14px; display: flex; flex-direction: column; justify-content: 
center">
                  <style>
                   @media only screen and (max-width: 640px) { #pad-mobile { display: block !important } #pad-desktop { display: none !important } }
                  </style>
                  <table style="width: 100%; border-collapse: collapse">
                   <tbody style="padding:0;margin:0;touch-action:auto">
                    <tr style="padding:0;margin:0">
                     <td align="center" style="padding:0;margin:0;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                      <a id="pad-desktop" style="display:block;color:#168DD9;">
                       <img src="https://inboxflows.com/_/image/https%253A%252F%252Fpa-cdn1.pvd.to%252Fs%252Fek7luf%253Femail%253D947418d3%2540uifeed.com%2526device%253Ddesktop%2526v%253D0.14%2526color_scheme%253Dlight/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZwYS1jZG4xLnB2ZCIsInRpbWUiOjE3NzA2MTUwNTkuOTY5Nzg3OH0:1vpJrP:ZDdO6jWGDR_3pnowhrZl9jSC9QwCf7A41iZK2EhQ3cU" style="width:100%;max-width:600px;border:0;" width="600"/>
                      </a>
                      <a id="pad-mobile" style="display:none;color:#168DD9;">
                       <img src="https://inboxflows.com/_/image/https%253A%252F%252Fpa-cdn2.pvd.to%252Fs%252Fek7luf%253Femail%253D947418d3%2540uifeed.com%2526device%253Dmobile%2526v%253D0.14%2526color_scheme%253Dlight/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZwYS1jZG4yLnB2ZCIsInRpbWUiOjE3NzA2MTUwNTkuOTY5ODc3NX0:1vpJrP:nDFK1cFBqogiI-ACgDxuYbi5TEc-h5QieNtmkTVC5f4" style="width:100%;max-width:400px;border:0;" width="400"/>
                      </a>
                     </td>
                    </tr>
                   </tbody>
                  </table>
                 </div>
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
           <tr>
            <td class="snippet td100" colspan="6" style="width:100%;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
             <table border="0" cellpadding="0" cellspacing="0" class="email-cell-group" style="border-collapse:collapse;width:100%;table-layout:fixed;">
              <colgroup>
               <col width="17%"/>
               <col width="17%"/>
               <col width="17%"/>
               <col width="17%"/>
               <col width="17%"/>
               <col width="17%"/>
              </colgroup>
              <tbody>
               <tr>
                <td colspan="6" style="text-align:center;vertical-align:middle;width:100%;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                 <div class="socialFollowContainer" data-labelposition="Left" data-orientation="Horizontal" data-shareemail="undefined" data-socialorder="sfsFacebook,sfsTwitter,sfsInstagram,sfsPinterest,sfsYouTube,sfsLinkedIn" data-socialspacing="0" data-textposition="Left" style="margin:0px auto">
                  <!--[if (mso 12 | mso 14 | mso 15 | mso 16)]><table valign='middle' align='center' border='0' cellpadding='0' cellspacing='0'><tbody><tr><![endif]-->
                  <!--[if (mso 12 | mso 14 | mso 15 | mso 16)]><td><![endif]-->
                  <span class="followLabel" style="display: inline-block; vertical-align: middle;">
                   <table align="center" border="0" cellpadding="0" cellspacing="0" style="height: 65.6px; border: none; border-spacing: 0; border-collapse: collapse; mso-table-lspace: 0; mso-table-rspace: 0; mso-margin-top-alt: 0px; mso-margin-bottom-alt: 0px; mso-padding-alt: 0px 0px 0px 0px">
                    <tbody>
                     <tr>
                      <td height="1" style="font-family:Tahoma,Geneva,sans-serif;vertical-align:middle;height:1px;text-align:center;font-size:12px;color:#000000">
                       <img src="https://inboxflows.com/_/image/http%253A%252F%252Feditor.ne16.com%252Fspacer.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRmVkaXRvci5uZTE2LiIsInRpbWUiOjE3NzA2MTUwNTkuOTY5OTc1N30:1vpJrP:GJ2SZQYYo5FBgzt6pWqpdODXqExqa-sAI3YLLY9prHg" style="mso-hide:all;display: none;width:0px;height:0px;border:0;"/>
                      </td>
                     </tr>
                    </tbody>
                   </table>
                  </span>
                  <!--[if (mso 12 | mso 14 | mso 15 | mso 16)]></td><![endif]-->
                  <!--[if (mso 12 | mso 14 | mso 15 | mso 16)]><td><![endif]-->
                  <span style="display: inline-block; vertical-align: middle;">
                   <table align="center" border="0" cellpadding="0" cellspacing="0" style="margin-right: 0px; border: none; border-spacing: 0; border-collapse: collapse; mso-table-lspace: 0; mso-table-rspace: 0; mso-margin-top-alt: 0px; mso-margin-bottom-alt: 0px; mso-padding-alt: 0px 0px 0px 0px;">
                    <tbody>
                     <tr>
                      <td colspan="2" style="height:5px;mso-line-height-rule:exactly;line-height:1px;font-size:1px;vertical-align:top;text-align:center;font-family:Arial,Helvetica,sans-serif;color:#000000">
                      </td>
                     </tr>
                     <tr>
                      <td style="vertical-align:top;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                       <a aria-label="Follow us on Facebook" prettyname="Facebook Follow" style="color:#000;text-decoration:none;" target="_blank">
                       </a>
                       <table bgcolor="" border="0" cellpadding="10" cellspacing="0" class="socialButton Icon_Facebook" style="border-radius: 10px">
                        <tbody>
                         <tr>
                          <td style="vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                           <table border="0" cellpadding="0" cellspacing="0" width="100%">
                            <tbody>
                             <tr>
                              <td class="socialButtonText" style="text-decoration:none;color:#000000;vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px">
                               <a aria-label="Follow us on Facebook" class="facebookFollowLink" prettyname="Facebook Follow" style="color:#000;text-decoration:none;" target="_blank">
                               </a>
                              </td>
                              <td height="1" style="height:1px;vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000" width="0">
                               <img src="https://inboxflows.com/_/image/http%253A%252F%252Feditor.ne16.com%252Fspacer.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRmVkaXRvci5uZTE2LiIsInRpbWUiOjE3NzA2MTUwNTkuOTcwMDU3fQ:1vpJrP:QkwlJzdyLYB1DMN_COGg171QPAYdWvkW5j96x2bGGrU" style="mso-hide:all;display:none;width:0px;height:0px;border:0;"/>
                              </td>
                              <td style="vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                               <a aria-label="Follow us on Facebook" prettyname="Facebook Follow" style="color:#000;text-decoration:none;" target="_blank">
                                <img alt="" border="0" class="Icon_Facebook" src="https://inboxflows.com/_/image/https%253A%252F%252Feditor.ne16.com%252Fshare%252Ffacebook-solid-circle.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlZGl0b3IubmUxNiIsInRpbWUiOjE3NzA2MTUwNTkuOTcwMTQxfQ:1vpJrP:acZ209DTUoUKbIbblH8JTQrw7IBng_I-QgV_xhZPRIs" style="border:0;"/>
                               </a>
                              </td>
                             </tr>
                            </tbody>
                           </table>
                          </td>
                         </tr>
                        </tbody>
                       </table>
                      </td>
                      <td style="vertical-align:top;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000" width="10">
                      </td>
                     </tr>
                     <tr>
                      <td colspan="2" style="height:5px;mso-line-height-rule:exactly;line-height:1px;font-size:1px;vertical-align:top;text-align:center;font-family:Arial,Helvetica,sans-serif;color:#000000">
                      </td>
                     </tr>
                    </tbody>
                   </table>
                  </span>
                  <!--[if (mso 12 | mso 14 | mso 15 | mso 16)]></td><![endif]-->
                  <!--[if (mso 12 | mso 14 | mso 15 | mso 16)]><td><![endif]-->
                  <span style="display: inline-block; vertical-align: middle;">
                   <table align="center" border="0" cellpadding="0" cellspacing="0" style="margin-right: 0px; border: none; border-spacing: 0; border-collapse: collapse; mso-table-lspace: 0; mso-table-rspace: 0; mso-margin-top-alt: 0px; mso-margin-bottom-alt: 0px; mso-padding-alt: 0px 0px 0px 0px;">
                    <tbody>
                     <tr>
                      <td colspan="2" style="height:5px;mso-line-height-rule:exactly;line-height:1px;font-size:1px;vertical-align:top;text-align:center;font-family:Arial,Helvetica,sans-serif;color:#000000">
                      </td>
                     </tr>
                     <tr>
                      <td style="vertical-align:top;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                       <a aria-label="Follow us on Twitter" prettyname="Twitter Follow" style="color:#000;text-decoration:none;" target="_blank">
                       </a>
                       <table bgcolor="" border="0" cellpadding="10" cellspacing="0" class="socialButton Icon_Twitter" style="border-radius: 10px">
                        <tbody>
                         <tr>
                          <td style="vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                           <table border="0" cellpadding="0" cellspacing="0" width="100%">
                            <tbody>
                             <tr>
                              <td class="socialButtonText" style="text-decoration:none;color:#000000;vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px">
                               <a aria-label="Follow us on Twitter" class="twitterFollowLink" prettyname="Twitter Follow" style="color:#000;text-decoration:none;" target="_blank">
                               </a>
                              </td>
                              <td height="1" style="height:1px;vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000" width="0">
                               <img src="https://inboxflows.com/_/image/http%253A%252F%252Feditor.ne16.com%252Fspacer.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRmVkaXRvci5uZTE2LiIsInRpbWUiOjE3NzA2MTUwNTkuOTcwMjE5Nn0:1vpJrP:WzuoYl6OT457X8p4ReFW03W1foyhbzkrFXjW7QOacOg" style="mso-hide:all;display:none;width:0px;height:0px;border:0;"/>
                              </td>
                              <td style="vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                               <a aria-label="Follow us on Twitter" prettyname="Twitter Follow" style="color:#000;text-decoration:none;" target="_blank">
                                <img alt="" border="0" class="Icon_Twitter" src="https://inboxflows.com/_/image/https%253A%252F%252Feditor.ne16.com%252Fshare%252Ftwitter-solid-circle.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlZGl0b3IubmUxNiIsInRpbWUiOjE3NzA2MTUwNTkuOTcwMzAwN30:1vpJrP:iaDSahH-D1Jq3M7n8cz1aF2ZOv86ewdQFJpwUjxfBHM" style="border:0;"/>
                               </a>
                              </td>
                             </tr>
                            </tbody>
                           </table>
                          </td>
                         </tr>
                        </tbody>
                       </table>
                      </td>
                      <td style="vertical-align:top;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000" width="10">
                      </td>
                     </tr>
                     <tr>
                      <td colspan="2" style="height:5px;mso-line-height-rule:exactly;line-height:1px;font-size:1px;vertical-align:top;text-align:center;font-family:Arial,Helvetica,sans-serif;color:#000000">
                      </td>
                     </tr>
                    </tbody>
                   </table>
                  </span>
                  <!--[if (mso 12 | mso 14 | mso 15 | mso 16)]></td><![endif]-->
                  <!--[if (mso 12 | mso 14 | mso 15 | mso 16)]><td><![endif]-->
                  <span style="display: inline-block; vertical-align: middle;">
                   <table align="center" border="0" cellpadding="0" cellspacing="0" style="margin-right: 0px; border: none; border-spacing: 0; border-collapse: collapse; mso-table-lspace: 0; mso-table-rspace: 0; mso-margin-top-alt: 0px; mso-margin-bottom-alt: 0px; mso-padding-alt: 0px 0px 0px 0px;">
                    <tbody>
                     <tr>
                      <td colspan="2" style="height:5px;mso-line-height-rule:exactly;line-height:1px;font-size:1px;vertical-align:top;text-align:center;font-family:Arial,Helvetica,sans-serif;color:#000000">
                      </td>
                     </tr>
                     <tr>
                      <td style="vertical-align:top;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                       <a aria-label="Follow us on Instagram" prettyname="Instagram Follow" style="color:#000;text-decoration:none;" target="_blank">
                       </a>
                       <table bgcolor="" border="0" cellpadding="10" cellspacing="0" class="socialButton Icon_Instagram" style="border-radius: 10px">
                        <tbody>
                         <tr>
                          <td style="vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                           <table border="0" cellpadding="0" cellspacing="0" width="100%">
                            <tbody>
                             <tr>
                              <td class="socialButtonText" style="text-decoration:none;color:#000000;vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px">
                               <a aria-label="Follow us on Instagram" class="instagramFollowLink" prettyname="Instagram Follow" style="color:#000;text-decoration:none;" target="_blank">
                               </a>
                              </td>
                              <td height="1" style="height:1px;vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000" width="0">
                               <img src="https://inboxflows.com/_/image/http%253A%252F%252Feditor.ne16.com%252Fspacer.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRmVkaXRvci5uZTE2LiIsInRpbWUiOjE3NzA2MTUwNTkuOTcwMzg0NH0:1vpJrP:IBmTFccNwu6cYduVzmGLCiJ5mLOJWxkdXqzG6BLnp1s" style="mso-hide:all;display:none;width:0px;height:0px;border:0;"/>
                              </td>
                              <td style="vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                               <a aria-label="Follow us on Instagram" prettyname="Instagram Follow" style="color:#000;text-decoration:none;" target="_blank">
                                <img alt="" border="0" class="Icon_Instagram" src="https://inboxflows.com/_/image/https%253A%252F%252Feditor.ne16.com%252Fshare%252Finstagram-fc-gradient-circle.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlZGl0b3IubmUxNiIsInRpbWUiOjE3NzA2MTUwNTkuOTcwNDY4fQ:1vpJrP:l8J_Le4k7xDHmaN2sXGpCaX01I20VXx2DWZyC8WXtWA" style="border:0;"/>
                               </a>
                              </td>
                             </tr>
                            </tbody>
                           </table>
                          </td>
                         </tr>
                        </tbody>
                       </table>
                      </td>
                      <td style="vertical-align:top;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000" width="10">
                      </td>
                     </tr>
                     <tr>
                      <td colspan="2" style="height:5px;mso-line-height-rule:exactly;line-height:1px;font-size:1px;vertical-align:top;text-align:center;font-family:Arial,Helvetica,sans-serif;color:#000000">
                      </td>
                     </tr>
                    </tbody>
                   </table>
                  </span>
                  <!--[if (mso 12 | mso 14 | mso 15 | mso 16)]></td><![endif]-->
                  <!--[if (mso 12 | mso 14 | mso 15 | mso 16)]><td><![endif]-->
                  <span style="display: inline-block; vertical-align: middle;">
                   <table align="center" border="0" cellpadding="0" cellspacing="0" style="margin-right: 0px; border: none; border-spacing: 0; border-collapse: collapse; mso-table-lspace: 0; mso-table-rspace: 0; mso-margin-top-alt: 0px; mso-margin-bottom-alt: 0px; mso-padding-alt: 0px 0px 0px 0px;">
                    <tbody>
                     <tr>
                      <td colspan="2" style="height:5px;mso-line-height-rule:exactly;line-height:1px;font-size:1px;vertical-align:top;text-align:center;font-family:Arial,Helvetica,sans-serif;color:#000000">
                      </td>
                     </tr>
                     <tr>
                      <td style="vertical-align:top;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                       <a aria-label="Follow us on Pinterest" prettyname="Pinterest Follow" style="color:#000;text-decoration:none;" target="_blank">
                       </a>
                       <table bgcolor="" border="0" cellpadding="10" cellspacing="0" class="socialButton Icon_Pinterest" style="border-radius: 10px">
                        <tbody>
                         <tr>
                          <td style="vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                           <table border="0" cellpadding="0" cellspacing="0" width="100%">
                            <tbody>
                             <tr>
                              <td class="socialButtonText" style="text-decoration:none;color:#000000;vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px">
                               <a aria-label="Follow us on Pinterest" class="pinterestFollowLink" prettyname="Pinterest Follow" style="color:#000;text-decoration:none;" target="_blank">
                               </a>
                              </td>
                              <td height="1" style="height:1px;vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000" width="0">
                               <img src="https://inboxflows.com/_/image/http%253A%252F%252Feditor.ne16.com%252Fspacer.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRmVkaXRvci5uZTE2LiIsInRpbWUiOjE3NzA2MTUwNTkuOTcwNTUwOH0:1vpJrP:u1OOAObHEqNsVIsMRcHloVBg6zB2LTNd6hyCny3jRS0" style="mso-hide:all;display:none;width:0px;height:0px;border:0;"/>
                              </td>
                              <td style="vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                               <a aria-label="Follow us on Pinterest" prettyname="Pinterest Follow" style="color:#000;text-decoration:none;" target="_blank">
                                <img alt="" border="0" class="Icon_Pinterest" src="https://inboxflows.com/_/image/https%253A%252F%252Feditor.ne16.com%252Fquartz-prod%252F071625-bluesky.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlZGl0b3IubmUxNiIsInRpbWUiOjE3NzA2MTUwNTkuOTcwNjMyOH0:1vpJrP:JF5bKsQMxzzetO1gkvDcN3KXwrut8LDK5Sq9V33oYf0" style="border:0;"/>
                               </a>
                              </td>
                             </tr>
                            </tbody>
                           </table>
                          </td>
                         </tr>
                        </tbody>
                       </table>
                      </td>
                      <td style="vertical-align:top;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000" width="10">
                      </td>
                     </tr>
                     <tr>
                      <td colspan="2" style="height:5px;mso-line-height-rule:exactly;line-height:1px;font-size:1px;vertical-align:top;text-align:center;font-family:Arial,Helvetica,sans-serif;color:#000000">
                      </td>
                     </tr>
                    </tbody>
                   </table>
                  </span>
                  <!--[if (mso 12 | mso 14 | mso 15 | mso 16)]></td><![endif]-->
                  <!--[if (mso 12 | mso 14 | mso 15 | mso 16)]><td><![endif]-->
                  <span style="display: inline-block; vertical-align: middle;">
                   <table align="center" border="0" cellpadding="0" cellspacing="0" style="margin-right: 0px; border: none; border-spacing: 0; border-collapse: collapse; mso-table-lspace: 0; mso-table-rspace: 0; mso-margin-top-alt: 0px; mso-margin-bottom-alt: 0px; mso-padding-alt: 0px 0px 0px 0px;">
                    <tbody>
                     <tr>
                      <td colspan="2" style="height:5px;mso-line-height-rule:exactly;line-height:1px;font-size:1px;vertical-align:top;text-align:center;font-family:Arial,Helvetica,sans-serif;color:#000000">
                      </td>
                     </tr>
                     <tr>
                      <td style="vertical-align:top;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                       <a aria-label="Follow us on YouTube" prettyname="YouTube Follow" style="color:#000;text-decoration:none;" target="_blank">
                       </a>
                       <table bgcolor="" border="0" cellpadding="10" cellspacing="0" class="socialButton Icon_YouTube" style="border-radius: 10px">
                        <tbody>
                         <tr>
                          <td style="vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                           <table border="0" cellpadding="0" cellspacing="0" width="100%">
                            <tbody>
                             <tr>
                              <td class="socialButtonText" style="text-decoration:none;color:#000000;vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px">
                               <a aria-label="Follow us 
on YouTube" class="youTubeFollowLink" prettyname="YouTube Follow" style="color:#000;text-decoration:none;" target="_blank">
                               </a>
                              </td>
                              <td height="1" style="height:1px;vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000" width="0">
                               <img src="https://inboxflows.com/_/image/http%253A%252F%252Feditor.ne16.com%252Fspacer.gif/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cCUzQSUyRiUyRmVkaXRvci5uZTE2LiIsInRpbWUiOjE3NzA2MTUwNTkuOTcwNzExNX0:1vpJrP:gCc9zggBJ2tvHKqyPw62qCBJVDWKgv3Ea8J3yEC2nbA" style="mso-hide:all;display:none;width:0px;height:0px;border:0;"/>
                              </td>
                              <td style="vertical-align:middle;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
                               <a aria-label="Follow us on YouTube" prettyname="YouTube Follow" style="color:#000;text-decoration:none;" target="_blank">
                                <img alt="" border="0" class="Icon_YouTube" src="https://inboxflows.com/_/image/https%253A%252F%252Feditor.ne16.com%252Fshare%252Fyoutube-solid-circle.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZlZGl0b3IubmUxNiIsInRpbWUiOjE3NzA2MTUwNTkuOTcwNzkxfQ:1vpJrP:DPU_YqWULvCi_nO-W6nZIEYp9v8fbWo_9ZixjRcbm24" style="border:0;"/>
                               </a>
                              </td>
                             </tr>
                            </tbody>
                           </table>
                          </td>
                         </tr>
                        </tbody>
                       </table>
                      </td>
                      <td style="vertical-align:top;text-align:center;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000" width="10">
                      </td>
                     </tr>
                     <tr>
                      <td colspan="2" style="height:5px;mso-line-height-rule:exactly;line-height:1px;font-size:1px;vertical-align:top;text-align:center;font-family:Arial,Helvetica,sans-serif;color:#000000">
                      </td>
                     </tr>
                    </tbody>
                   </table>
                  </span>
                  <!--[if (mso 12 | mso 14 | mso 15 | mso 16)]></td><![endif]-->
                  <!--[if (mso 12 | mso 14 | mso 15 | mso 16)]></tr></tbody></table><![endif]-->
                 </div>
                </td>
               </tr>
              </tbody>
             </table>
            </td>
           </tr>
          </tbody>
         </table>
        </td>
       </tr>
      </table>
     </td>
    </tr>
   </tbody>
  </table>
  <table cellpadding="0" cellspacing="0" width="100%">
   <tbody>
    <tr>
     <td align="center">
     </td>
    </tr>
   </tbody>
  </table>
 </body>
</html>