{
  "version": 3,
  "sources": ["ssg:https://framerusercontent.com/modules/m4ymDKFxojfZIr9lYj3F/ZvrpTmakoCgYbUHKzov9/J5eW5ztfh-7.js"],
  "sourcesContent": ["import{jsx as e,jsxs as n}from\"react/jsx-runtime\";import{Link as i}from\"framer\";import*as t from\"react\";export const richText=/*#__PURE__*/n(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Understanding contracts is not at the top of the medical school curriculum. However, as medical students become residents, who then become practicing physicians, the benefits, rules and stipulations in contracts they sign increasingly influence careers. For most graduating medical students like myself who are going onto residency training, we will soon be expected to sign our first contract - colloquially known as the General Medical Education (GME) Residency Agreement. As I started to review my contracts to make my decisions about where I want to train for residency, I began to find invaluable information.\"}),/*#__PURE__*/e(\"p\",{children:\"I\u2019m finding that these contracts explain points that would not only affect my daily experience but also inform long-term decisions. \\xa0Sure \u2013 there are the standard and fairly obvious inclusions about job responsibilities and professional and ethical expectations, but there is also valuable information about protections, support, and benefits offered to me, and in some cases even to my family.\"}),/*#__PURE__*/e(\"p\",{children:\"Although some of these things may not make or break your rank list \u2013 here are some things I have found while reviewing these contracts that I believe will be of interest to other medical students:\"}),/*#__PURE__*/n(\"div\",{children:[\"Table of Contents\",/*#__PURE__*/e(i,{href:\"https://framer.com/projects/Andwise-WIP--uSoPFZvM9R8MDSIFInpI-1PbWT?node=TGJZC6VXN#mcetoc_1gooq6oqo0\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"1/ Contracts Can Save You Money!\"})}),/*#__PURE__*/e(i,{href:\"https://framer.com/projects/Andwise-WIP--uSoPFZvM9R8MDSIFInpI-1PbWT?node=TGJZC6VXN#mcetoc_1gooq6oqp1\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"2/ You Cover Your Patients - Programs Will Cover You\"})}),/*#__PURE__*/e(i,{href:\"https://framer.com/projects/Andwise-WIP--uSoPFZvM9R8MDSIFInpI-1PbWT?node=TGJZC6VXN#mcetoc_1gooq6oqp2\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"3/ Burning the Midnight Oil: Moonlighting\"})}),/*#__PURE__*/e(i,{href:\"https://framer.com/projects/Andwise-WIP--uSoPFZvM9R8MDSIFInpI-1PbWT?node=TGJZC6VXN#mcetoc_1gooq6oqp3\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"4/ References to Other Resources:\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"1. Contracts Can Save You Money!\"}),/*#__PURE__*/e(\"p\",{children:\"Resident salaries are nothing to envy. In response to this, some programs have included financial support clauses that may include a living allowance and relocation pay which is subject to the change from negotiations. Selecting for such features when deciding between programs that are already high on the rank list may be important for some, and for others who may not see it in their contracts, could be important to ask programs about before finalizing rank choices.\"}),/*#__PURE__*/e(\"p\",{children:\"Other programs that I interviewed at had some surprising features that were not mentioned during\\xa0 the interview presentation. For example; there were some agreements that offered incentives to pursue advanced degrees during residency training whereby essentially a discount or stipend was provided. In some cases, these same benefits also extended to the resident\u2019s spouse and their children.\"}),/*#__PURE__*/e(\"p\",{children:\"With the average age of incoming residents\\xa0 in the United States being in their\\xa0 late 20\u2019s or early 30\u2019s, incentives like these can help reduce financial stress as we all face many expenses on the road to becoming practicing physicians\\xa0\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"2. You Cover Your Patients - Programs Will Cover You\"}),/*#__PURE__*/e(\"p\",{children:\"Specifics on the coverage for health insurance, dental insurance, disability insurance and life insurance are readily found within residency agreements. You should read carefully whether your program pays for all coverage, or whether you will be responsible for a portion, or whether one specific type of coverage is excluded completely.. Knowing these differences are important to manage and budget your expected costs of living, as well as protecting your future income.\"}),/*#__PURE__*/e(\"p\",{children:\"Support for both physical and mental health coverage was also stated in some agreements I reviewed. This includes coverage for mental health services without any burden of cost to the resident . Such features can immensely help a resident feel at peace that they are about to join a supportive environment. Ultimately I belive that happier and healthier residents likely contribute to a better patient care experience and in turn also help the program and institution with recruitment and retention efforts.\"}),/*#__PURE__*/e(\"h2\",{children:\"3. Burning the Midnight Oil: Moonlighting\"}),/*#__PURE__*/e(\"p\",{children:\"Moonlighting - which is working extra shifts at outside institutions other than your own during residency - was also an extremely commonly addressed component of these agreements. Unsurprisingly, a unifying expectation was that a resident must first obtain approval from their program director, with many contracts stating that moonlighting hours must be reported to the program themselves. Total hours worked as resident and during these moonlighting shifts combined must not exceed the Accreditation Council for Graduate Medical Education (ACGME) required 80-hour work limit, or otherwise moonlighting activities will not be sanctioned.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"The option to moonlight may be extremely important to residents with dependents or other financial pressures; so it is important to know if your program explicitly prohibits moonlighting.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"An important point to note is that malpractice insurance that is provided by the residents training institutions would not cover issues that occur during moonlighting at an outside institution. This is a very common statement layered into all residency agreements that I have come across and must be considered among those thinking about moonlighting as they plan their financial strategy during residency. It is important to make sure you have confirmed the medical malpractice and tail coverage will be paid by the institution where you are picking up moonlighting shifts.\"}),/*#__PURE__*/e(\"h2\",{children:\"4. References to Other Resources\"}),/*#__PURE__*/e(\"p\",{children:\"Often found within these residency agreements are common references to the program handbook, institutions general medical education (GME) guides, and the policies and procedures document that expand on benefits, protections, reasonability, and coverage. Reviewing these, while tedious, can also provide pearls that may influence your rank order list.\"}),/*#__PURE__*/e(\"p\",{children:\"For those on their way to making their rank lists, knowing your residency training agreement will help you discover your\\xa0 responsibilities, protections, benefits, and restrictions - so that there are no surprises when you commit yourself to the next years of training. If you're not able to find a sample recent agreement online, I encourage you to contact program directors from institutions if you have specific questions.\"})]});export const richText1=/*#__PURE__*/n(t.Fragment,{children:[/*#__PURE__*/n(\"p\",{children:[\"Do you want to become financially independent and build wealth? It's not as hard as it sounds! In this blog post, I'll break down the initial steps that you need to take in order to build lasting wealth.\",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{}),\"It\u2019s important to realize that high income does not automatically equal wealth. The media is full of stories of lottery winners and celebrities who are now broke. Unfortunately, many physicians also get stuck in the game of \u201Cfinally living\u201D their lives or competing with friends to buy expensive cars or houses with their hard earned income. Although everyone has different priorities and desires in life, and while there is nothing wrong with purchasing big ticket items, we must remind ourselves that it all comes at a cost. According to Brendon Burchard, a high performance coach, the ultimate human motive in this life is to be free. He details this in his new book \u201CMotivational Manifesto.\u201D\",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{}),\"What does being free actually mean? For many people it means not having to worry about their financial future. A great place to start is to develop a solid financial plan that enables you to sleep well at night regardless of the variables outside of your control; such as the threat of a job loss or a looming stock market crash. The good news is that learning about personal finance has become easier than ever before and there are some concrete steps you can take to build wealth.\",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{}),\"Here are my recommendations on basic steps you should take on building wealth:\"]}),/*#__PURE__*/n(\"h2\",{children:[/*#__PURE__*/e(\"br\",{}),\"Pay Yourself First\"]}),/*#__PURE__*/e(\"p\",{children:\"You must become disciplined and pay yourself first. This means that you should save a portion of your income before taxes are taken out. Remember, Uncle Sam does not trust us with our money, our taxes are deducted before we even see our check. Similarly, Uncle Sam does give us the means of saving for our retirement BEFORE our taxes are taken out in the form of retirement accounts like 401(k)s and 403(b)s at work. You can contribute up to $22,500 per year in 2023 (amounts change slightly each year for inflation). By contributing the maximum amount every year to tax-deferred retirement accounts for 30 years, starting at age 30, you could accumulate over $3.5 million by age 60, with average returns of 10% on investments.\"}),/*#__PURE__*/e(\"h2\",{children:\"Live Within Your Means\"}),/*#__PURE__*/e(\"p\",{children:\"Live within Your Means simply means spending less than what you earn each month after allocating funds into an emergency fund and your retirement plan(s). This will ensure that you have to opportunity to build your wealth by investing your money and avoiding living paycheck to paycheck.\"}),/*#__PURE__*/e(\"h2\",{children:\"Invest\"}),/*#__PURE__*/e(\"p\",{children:\"Inflation, the rise of prices over time, is a unavoidable factor of life. We\u2019ve seen some of the worst inflation in history recently, from the price of eggs to gas, it seems everything is more expensive. Inflation means you have less spending power, and to keep ahead of this you must invest your money in things that grow in value over time. There are many ways to invest outside of just your retirement account. First and foremost, investing in yourself is one of the most important investments you can make. This includes not only prioritizing your own physical wellbeing such as going to the gym or eating healthy but also mental wellbeing through meditation or yoga classes. When we take care of ourselves, our potential to capitalize on future opportunities increases. Other examples to grow your investment portfolio include investing in stocks, real estate, established business partnerships or startup ventures.\"}),/*#__PURE__*/e(\"h2\",{children:\"Protect Your Income\"}),/*#__PURE__*/e(\"p\",{children:\"Protect, protect, protect! This cannot be emphasized enough. As a physician, we all understand that all of us can face healthcare uncertainties. Life is unpredictable, and it\u2019s important to protect yourself and your family from potential financial disasters. That\u2019s why taking out an own occupation disability policy as early as possible is so important. It can help you protect your future earning ability in case of an unforeseen event. But that\u2019s not all\u2014you should also be sure to have good insurance on your car, house, and other objects of value along with an extra umbrella insurance policy for added protection. Finally, if you have dependents you should strongly consider having a term-life insurance policy \u2013 so that your dependents receive a payout in the event of your death. Obviously nothing can replace your guidance and companionship but you can ensure they have money to make up for your lost future income that can help support them.\"}),/*#__PURE__*/e(\"h2\",{children:\"Develop Multiple Streams Of Income\"}),/*#__PURE__*/n(\"p\",{children:[\"Many physicians discovered during the Covid-19 pandemic that unfortunately their clinical income isn\u2019t guaranteed. Diversifying your revenue streams is key for financial stability; your job probably shouldn't be the only source of reliable income. There are countless ways for physicians to create additional sources of income through writing books and articles, starting podcasts and YouTube channels, blogging about their medical specialty, etcetera. Investing time into creating multiple streams of income now can become a valuable asset down the road as it provides another layer of protection against.\",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{}),\"Financial freedom comes down to having a smart strategy for personal finance- from paying yourself first each month to investing wisely and living within one\u2019s means - all while still enjoying life! Building wealth takes patience and discipline but with the right tools and knowledge anyone can create their own path towards financial independence over time! As physicians we need to be aware of our finances and manage them responsibly if we want long term security; following these simple steps can help us reach our goals sooner rather than later!\",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})]}),/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"em\",{children:\"Saima Ali, MD is a board-certified Neurologist and CEO of \"}),/*#__PURE__*/e(i,{href:\"https://wealthymuslimwomen.us/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:/*#__PURE__*/e(\"em\",{children:\"Wealthy Muslim Women\"})})}),/*#__PURE__*/e(\"em\",{children:\". She completed her undergraduate studies with Honors degree in Economics. Saima is aiming to erase any stigmas associated with creating monetary wealth. During her quest, she has utilized multiple platforms such as a podcast (Wealthy Muslim Women), public speaking engagements at conferences, and more recently joining the Medical Advisory Board of Andwise. Using her experience and knowledge base, Saima strives to empower more people to reach their own financial goals.\"})]})]});export const richText2=/*#__PURE__*/n(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{children:\"When evaluating or negotiating a job offer, salary is only one piece of the puzzle. Be sure to also consider the benefits, work schedule, sign-on and relocation bonuses, equipment and professional development opportunities that are available to get the most value out of your next contract. Make a priority list of must-haves and nice-to-haves before starting negotiations and research the company and its policies for the most informed negotiation possible.\"})}),/*#__PURE__*/n(\"h2\",{children:[/*#__PURE__*/e(\"span\",{children:\"Benefit\"}),\"s\"]}),/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"span\",{children:\"Benefits may seem fairly obvious, but they can have a significant\"}),\" financial\",/*#__PURE__*/e(\"span\",{children:\" impact on job satisfaction and quality of life. Make sure to consider benefits such as employer contributions to an IRA, malpractice insurance, disability and health insurance coverage, parental leave policies, and the duration of the leave.\"})]}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"span\",{children:\"Work Schedule\"})}),/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"span\",{children:\"Know your needs. Consider negotiating an alternative work schedule such as a three- or four-day work week. Ask if there are opportunities to do telehealth and have remote work. Negotiate call responsibilities, including a maximum amount of call, and whether you are responsible for paying for coverage when\"}),\" you\",/*#__PURE__*/e(\"span\",{children:\" are on leave. Don\u2019t forget to discuss the amount of paid time off.\"})]}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"span\",{children:\"Sign-On/Relocation Bonus\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{children:\"Moving can be very expensive and many companies offer relocation bonuses to offset this cost and entice you to their area. But if you accept this, know if there is anything tied to it, such as a minimum amount of time of employment.\"})}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"span\",{children:\"Equipment\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{children:\"Some specialists require certain supplies that help them to be successful. Ensure you have everything you need to provide the best possible care.\"})}),/*#__PURE__*/n(\"h2\",{children:[/*#__PURE__*/e(\"span\",{children:\"Professional Developme\"}),\"nt\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{children:\"Consider reimbursement allowances for CME as well as maintaining membership in specialty societies. Professional development opportunities can include additional certifications, trainings, conferences, and workshops, as well as leadership courses and mentorship programs.\"})}),/*#__PURE__*/e(\"h2\",{children:\"A word of advice: Know Your Worth!\"}),/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"span\",{children:\"Combining your salary, benefits, and non-salary items will help craft a job offer that meets your needs and gets you the most value out of your next contract. Knowing your worth, and understanding the different items available in negotiating a job offer, will have an important\"}),\" impact\",/*#__PURE__*/e(\"span\",{children:\" on your quality of life.\\xa0\"})]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{children:/*#__PURE__*/e(\"em\",{children:\"Jennifer Bepple, MD, MMCi, is a board-certified urologist and CEO of MedTech Consulting. She helps companies develop patient-centered digital health solutions to bridge the gap between technology and healthcare. Jennie holds a Master of Management in Clinical Informatics from Duke University, a certification from the American Board of Telehealth, and is a member of the American Telemedicine Association, American Urologic Association, and American Medical Informatics Association. She also serves on the board for Ohana One, and is a founding member of Andwise\u2019s Medical Advisory Board.\"})})})]});export const richText3=/*#__PURE__*/n(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"I thought I could trust him. We grew up together in the same hometown throughout my childhood and I had played high school football with my financial \u201Cadvisor.\u201D We even made it to the Central Jersey Group 4 state championship our sophomore year and got to Giants Stadium!\\xa0 However, this misplaced trust cost me (at least) $50,000, and it could have been much worse! By trusting my financial advisor, I was taken advantage of by predatory financial products such as whole life insurance and variable annuities. This mistake was incredibly costly, and I learned a tough lesson about trusting financial advisors.\"}),/*#__PURE__*/e(\"p\",{children:\"I was familiar with Northwestern Mutual, the company he worked for, and thought I had seen 5 star reviews on Google. Because of our shared history, I assumed he would only do what was in my best interest, and I was wrong.\"}),/*#__PURE__*/e(\"p\",{children:\"I was taken advantage of by the unethical tactics many companies use. They will exploit relationships and call their financial services \u201Cadvisors,\u201D instead of salespeople, to give the illusion of trustworthiness. Many of these products also tout the CFP (Certified Financial Planner) designation, which is supposed to mean the advisor upholds the \u201Cfiduciary\u201D standard, or the belief that the advisor is only doing what is in the best interest of the clients.\"}),/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"span\",{children:\"Unfortunately, the CFP does not come with a board like the State Medical Board, so when advisors betray the trust of their clients, they \"}),/*#__PURE__*/e(i,{href:\"https://www.financial-planning.com/opinion/the-cfp-board-has-given-up-on-protecting-the-public-from-unscrupulous-advisors-instead-protecting-its-own-executives\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:/*#__PURE__*/e(\"span\",{children:\"still keep their CFP\"})})}),/*#__PURE__*/e(\"span\",{children:\" and go on to sel\"}),\"l other\",/*#__PURE__*/e(\"span\",{children:\" products\"}),\".\"]}),/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"span\",{children:\"Did I really lose $50,000\"}),\"?\"]}),/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"span\",{children:\"Yes, I absolutely did. To prove it, the in-force illustrations from my wife and my whole life policies show the exact amount of money we lost\"}),\":\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/n(\"span\",{children:[\"The circled higher numbers indicate the premiums we paid over 7 years, while the other circled lesser values indicate the actual \u201Ccash values\u201D of our policies after 7 years. When you calculate \",/*#__PURE__*/e(\"strong\",{children:\"(92K - 67K) + (78K - 53K)\"}),\" it shows the exact amount we lost: \",/*#__PURE__*/e(\"strong\",{children:\"$\"})]}),/*#__PURE__*/e(\"strong\",{children:\"50\"}),/*#__PURE__*/e(\"span\",{children:/*#__PURE__*/e(\"strong\",{children:\",00\"})}),/*#__PURE__*/e(\"strong\",{children:\"0.\"})]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{children:\"My story is certainly not an isolated incident. All too often, people trust their advisors even when they should not. It is sad that even with all the hard work and sacrifice we put into becoming physicians, we can still be taken advantage of. This is why I believe it is important for everyone to be aware of the risks and to act accordingly\"})}),/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"span\",{children:\"The best way to protect yourself is to only work with advisors who are true \u201Cfiduciaries all the time\u201D and can prove it in writing.\"}),\" Regardless\",/*#__PURE__*/e(\"span\",{children:\" of the company (Edward Jones, New York Life, State Farm, Prudential, Wells Fargo, etc.), you need to make sure that you ask questions about commissions and fees. You should also be on the lookout for hidden fee\"}),\"s.\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{children:\"In conclusion, it is important that people take control of their own financial decisions and be aware of the potential pitfalls associated with trusting financial advisors. My mistake cost me (and my family) dearly, but I am determined to help others learn from my experience and protect themselves from similar mistakes.\"})})]});export const richText4=/*#__PURE__*/n(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:\"Dr. Joe Saveika is a physician who has achieved financial freedom and wants to share his advice and experience with others. Dr. Saveika has been working in the medical field for over fifteen years and has used his knowledge and skills to reach financial independence. He hopes that by providing his insight and guidance, he can help other physicians make their way to financial freedom as well.\"})}),/*#__PURE__*/e(\"p\",{children:\"The idea of financial independence is something that many of us strive for. Unfortunately, many physicians are held back by lack of knowledge, disinterest in financial affairs, or both. But with the right guidance and information, it is possible to achieve financial independence. Here is a step-by-step guide on how to reach financial freedom, as told by a physician who has been there.\"}),/*#__PURE__*/e(\"h3\",{children:\"Step One: Educate Yourself\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{style:{\"--framer-font-size\":\"11px\"},children:\"The first step in becoming financially independent is educating yourself. Invest some time and energy in learning more about finance, economics, and money management.\"})}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.38em\"},children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/n(\"span\",{style:{\"--framer-font-size\":\"11px\"},children:['\"',/*#__PURE__*/e(\"strong\",{children:\"A Random Walk Down Wall Street\"}),'\" by Burton G. Malkiel - Malkiel\u2019s book provides an introduction to all the major topics in finance and investing. It is particularly helpful for those who want to understand the basics of investing in stocks, bonds, mutual funds, and other financial instruments.']})})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.38em\"},children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/n(\"span\",{style:{\"--framer-font-size\":\"11px\"},children:['\"',/*#__PURE__*/e(\"strong\",{children:\"Your Money or Your Life\"}),'\" by Vicki Robin and Joe Dominguez - This book helps individuals explore their relationship with money, looking at their financial behavior and what drives their spending.']})})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.38em\"},children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/n(\"span\",{style:{\"--framer-font-size\":\"11px\"},children:['\"',/*#__PURE__*/e(\"strong\",{children:\"The Millionaire Next Door\"}),'\" by Thomas J. Stanley and William D. Danko - This book helps to dispel the myths about who becomes wealthy and how. It offers valuable insights into the habits, behaviors, and attitudes of millionaires.']})})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.38em\"},children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/n(\"span\",{style:{\"--framer-font-size\":\"11px\"},children:['\"',/*#__PURE__*/e(\"strong\",{children:\"The Four Pillars of Investing\"}),\"\\\" by William Bernstein - Bernstein's book is a comprehensive guide to portfolio design, management, and performance is particularly helpful for those who want to better understand how to diversify their investments and maintain a long-term focus.\"]})})})]}),/*#__PURE__*/e(\"h3\",{children:\"Step Two: Live frugally and within your means\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{style:{\"--framer-font-size\":\"11px\"},children:\"The second step in achieving financial independence is living frugally and within your means. This helps to ensure that all available resources are being used wisely and that individuals are making responsible financial decisions. Live simply and within your means and this will set the foundation for financial independence and peace of mind.\"})}),/*#__PURE__*/e(\"h3\",{children:\"Step Three: Maximize Retirement Accounts\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{style:{\"--framer-font-size\":\"11px\"},children:\"The third step in becoming financially independent is maximizing retirement accounts. Make sure to max out your employer\u2019s 401(k) plan and take advantage of other tax-advantaged accounts, such as an IRA or SEP-IRA.\"})}),/*#__PURE__*/e(\"h3\",{children:\"Step Four: Build an Emergency Fund\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{style:{\"--framer-font-size\":\"11px\"},children:\"The fourth step in achieving financial freedom is building a strong emergency fund. Having an emergency fund is a necessary component of a financial security plan and can help individuals weather economic downturns and economic shocks. Aim to have at least $25K saved in an emergency fund.\"})}),/*#__PURE__*/e(\"h3\",{children:\"Step Five: Pay off Debt\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{style:{\"--framer-font-size\":\"11px\"},children:\"The fifth step in achieving financial freedom is paying off debt. It is important to tackle any high-interest debt first and then work your way down with all other debt. Paying off debt as soon as you can will greatly reduce the amount of money that goes towards interest payments, freeing up more money for investing.\"})}),/*#__PURE__*/e(\"h3\",{children:\"Step Six: Open a Brokerage Account\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{style:{\"--framer-font-size\":\"11px\"},children:\"The sixth step in financial independence is opening a brokerage account. Doing so will allow individuals to start investing in the stock market and potentially enjoy more long-term growth. However, it is important to note that investing in stocks can involve substantial risk, so always exercise risk management and never invest more than you can afford to lose.\"})}),/*#__PURE__*/e(\"h3\",{children:\"Avoiding Common Mistakes\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{style:{\"--framer-font-size\":\"11px\"},children:\"When pursuing financial freedom, it is important to stay vigilant and avoid common mistakes:\"})}),/*#__PURE__*/n(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.38em\"},children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{style:{\"--framer-font-size\":\"11px\"},children:\"Spending too much on non-essentials - Avoid making unnecessary purchases and focus on saving more\"})})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.38em\"},children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{style:{\"--framer-font-size\":\"11px\"},children:\"Taking on more debt than you can manage - Credit cards and other forms of debt can quickly become unmanageable and should be paid off as soon as possible\"})})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-line-height\":\"1.38em\"},children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{style:{\"--framer-font-size\":\"11px\"},children:\"Investing too conservatively - While it is important to manage risk, it is also important to invest with an eye towards the long term.\"})})})]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/n(\"span\",{style:{\"--framer-font-size\":\"11px\"},children:[\"Disclaimer: Every individual\u2019s path to financial independence is unique and should be tailored to their own values, financial situation, and goals. The content of this presentation is provided solely for informational purposes and should not be taken as financial advice. Additionally, investing in stocks can involve substantial risk and may not be suitable for all investors. Never invest more than you can afford to lose.\",/*#__PURE__*/e(\"br\",{})]})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})})]});export const richText5=/*#__PURE__*/n(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"At Andwise, we're passionate about simplifying the financial lives of healthcare professionals. We believe that everyone should have access to the same financial resources and services, regardless of their background. Our team builds resources and tools to help healthcare professionals make informed financial decisions and achieve their long-term goals.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(i,{href:\"https://www.linkedin.com/company/andwise/?viewAsMember=true\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:/*#__PURE__*/e(\"strong\",{children:\"View Openings\"})})})}),/*#__PURE__*/e(\"p\",{children:\"Our leadership team includes our CEO and Co-founder, Kanav, who led the team that built Doximity's flagship product, Dialer, prior to its 2021 IPO. Our Co-founder, Varun Verma MD, brings over a decade of experience in practice and an unparalleled breadth of knowledge about clinical and administrative operations in the healthcare industry. We've also assembled a Medical Advisory Board with physicians from across the country to help us quickly iterate on our product ideas and expand our reach.\"}),/*#__PURE__*/e(\"p\",{children:\"To deliver tailored financial services and thoughtfully designed products, we're expanding our team and hiring for multiple positions across multiple disciplines. We're looking for mission-driven, disciplined professionals who can work autonomously in a distributed and fast-paced environment. You'll need to be able to prioritize and manage your daily tasks, and be self-directed to navigate your career.\"}),/*#__PURE__*/e(\"p\",{children:\"At Andwise, we provide healthcare professionals with personalized financial insights and analysis to help them make smarter decisions. Our intuitive and user-friendly tools help simplify the process of crafting a negotiation strategy, and managing work/life balance. We're proud to offer our users a comprehensive approach to financial health, enabling them to harmonize rather than conform and reach their individual goals.\"}),/*#__PURE__*/e(\"p\",{children:\"We're committed to providing a comfortable, inspiring, and energizing work environment at Andwise. We offer competitive salaries, comprehensive benefits, flexible work hours, and a unique opportunity to be part of a high-growth, ambitious, and mission-driven venture. If you're looking for an opportunity to join a growing and innovative company on the cutting edge of financial health, then Andwise is the place for you.\"}),/*#__PURE__*/e(\"p\",{children:\"Come join us in making healthcare professionals financially sound!\"})]});export const richText6=/*#__PURE__*/n(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Recently, a discussion sparked among physicians around the concept of FIRE (Financial Independence \u2013 Early Retirement).\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:\"What message does it send to society?\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:\"What if all physicians retired early and there was no one to take care of them when they needed it?\"})}),/*#__PURE__*/e(\"p\",{children:\"Over 200 physicians commented on the topic, with varying and passionate responses. Here are some of the themes we saw:\"}),/*#__PURE__*/e(\"p\",{children:'\"You may not ever be completely retired\u201D'}),/*#__PURE__*/e(\"p\",{children:\"Many of the physicians agreed that while early retirement is a valid and achievable option, doctors may not be fully retired and be able to explore other options in order to stay occupied and find fulfillment, such as volunteering, teaching, or mentoring.\"}),/*#__PURE__*/e(\"p\",{children:\"\u201CNo one really cares about your life except you\u201D\"}),/*#__PURE__*/e(\"p\",{children:'Physicians made the point that when it comes to the retirement, each individual should make their own life decisions and be comfortable with it, regardless of what critics or society might think. This sentiment was echoed with phrases such as \u201Cyou owe nothing to society just because of your profession\u201D and \u201Cf***k the critics\".'}),/*#__PURE__*/e(\"p\",{children:\"\u201CYour life is your own, do what you want\u201D\"}),/*#__PURE__*/e(\"p\",{children:\"Physicians shared a consensus that as long as you make sure to take care of your patients, your life is your own and you should be able to do what you want with it, including retiring early if you choose to do so\"}),/*#__PURE__*/e(\"p\",{children:\"\u201CWe physicians have been abused for far too long in the name of the greater good\u201D\"}),/*#__PURE__*/e(\"p\",{children:\"Physicians emphasized the need to take the decision of retiring early seriously; they noted the long history of overworked and undervalued physicians and the need to focus on what\u2019s best for the individual physician and their own family.\"}),/*#__PURE__*/e(\"p\",{children:\"\u201CYou have taken care of your patients and deserve the life you have built\u201D\"}),/*#__PURE__*/e(\"p\",{children:\"This was a recurring theme in the comments, many of which reiterated the message that if you take care of your patients and devote yourself to your profession, then you deserve to retire early and enjoy the fruits of your labor.\"}),/*#__PURE__*/e(\"p\",{children:\"At Andwise, we believe that every physician should be able to pursue financial independence and retirement as it suits their lifestyle and needs. Ultimately, it is up to each individual to make the best decision for their own life. We think it's important for everyone to explore their option, weigh the pros and cons, and set their own financial and lifestyle goals and plan for the future.\"})]});export const richText7=/*#__PURE__*/n(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"There\u2019s no doubt that real estate can be an excellent way to create long-term wealth. However, it is important to take caution when investing in real estate, as not all investment opportunities are going to be suitable for everyone.\"}),/*#__PURE__*/e(\"p\",{children:\"Short-term rentals are one such option, often involving the renting of property for a stay of less than seven days (e.g. AirBnB-type models). It is important to be aware that existing investors and enthusiasts have been able to benefit from low interest rates and rising property values. Furthermore, they may live in states where property prices and taxes are lower than those in other states.\"}),/*#__PURE__*/e(\"p\",{children:\"Additionally, some individuals may have a spouse who is able to put in all the required hours to gain Real Estate Professional Status (REPS), thus allowing them to offset their W2 income with deductions such as depreciation. Note that physicians who work full-time clinical jobs often cannot meet the IRS two-test requirements for material participation (750 hours of work/year) and that their working hours need to exceed those of any other job in order to qualify for this status.\"}),/*#__PURE__*/e(\"p\",{children:\"My wife and I are both physicians who work full-time, and last year we decided to buy a short-term rental property. We chose a location close to the beach at the Jersey Shore, just 70 miles from our home. We thought that the property was close enough to visit and enjoy with our children, and we were confident that managing it wouldn\u2019t be too difficult. However, an investment in short-term rental properties carries a number of risks that you need to be aware of.\"}),/*#__PURE__*/e(\"p\",{children:\"In particular, the switch days in the summertime can be especially stressful, as there is a five-hour window which needs to be filled between check-out of existing guests and check-in of new ones. I am entirely reliant on my cleaners to get the place ready for the new occupants, but their availability is never certain, and in the event of any emergency or illness, I would be in a difficult position as it would be impossible to clean and turn over the property ourselves with three young children in tow.\"}),/*#__PURE__*/e(\"p\",{children:\"Therefore, when considering any sort of real estate investment, it is important to take into account all potential risks, as well as any relevant Internal Revenue Service (IRS) regulations, before committing to anything. It is also worth remembering that, although the rewards can be great, there is always the possibility that the investment will not be successful.\"}),/*#__PURE__*/e(\"p\",{children:\"In our case, we have encountered a number of challenges during the past two summers of running our short-term rental property:\"}),/*#__PURE__*/e(\"h2\",{children:\"1. Renters bringing pets to the property\"}),/*#__PURE__*/e(\"p\",{children:\"Our rental agreement and Airbnb rules clearly stated no pets, but we had an incident where a renter brought a large animal into our property. We had to contact the renters and notify them of the violation, which wasn't a pleasant experience (the renter\u2019s boyfriend even flipped me off on our Ring front door camera as he took the dog away).\"}),/*#__PURE__*/e(\"h2\",{children:\"2. HVAC system issues\"}),/*#__PURE__*/e(\"p\",{children:\"We encountered an issue where one floor had no heat. I spent three hours trying to contact different HVAC companies and luckily we had portable heaters in the house that the guests were able to take up and use in two bedrooms. The repair costed us $500, including labor and parts.\"}),/*#__PURE__*/e(\"h2\",{children:\"3. Water Heater Issues\"}),/*#__PURE__*/e(\"p\",{children:\"We had a physician and her family stay with us for only two nights in the offseason and, of course, the water heater didn\u2019t work. I was able to contact a local company to come out and take care of the problem (which had something to do with the pilot going out and corrosion on one specific part) for a total repair cost of $750, including labor and parts.\"}),/*#__PURE__*/e(\"h2\",{children:\"4. Renters causing damage and Airbnb only paying a portion\"}),/*#__PURE__*/e(\"p\",{children:\"We had renters who contacted us and said that the wind had blown a window in. Inspection revealed that the vinyl frame was broken, window off its rail, and glass had a small crack. When I called window repair companies out for quotes, all of them told me that it couldn\u2019t have been the wind; something or someone must have hit it with force. The total replacement cost was $1500, and Airbnb only paid us back $600 due to their determination that a window should only cost that much.\"}),/*#__PURE__*/e(\"h2\",{children:\"5. Unauthorized party\"}),/*#__PURE__*/e(\"p\",{children:\"Our cleaners reported a discharged fire extinguisher on the kitchen level and living room, with no evidence of fire. In addition, there were cans and bottles littered over the backyard and a broken yard chair. We had to make an extra cleaning fee of $350, which the renters thankfully agreed to pay.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"h2\",{children:\"6. Not generating a lot of cash flow\"}),/*#__PURE__*/e(\"p\",{children:\"Buying property in a beach town on the northeast was a good investment, despite the limited four-month high season. Operating expenses add up, including cleaning fees, utilities, property insurance, maintenance, repairs, etc. These should be factored into a proforma when considering taking the plunge, along with property taxes and debt costs. We have seen an appreciation of the property in the past two years, and have generated some tax-free income due to the ability to legally deduct all operating costs and depreciation, as well as being able to spend some weekends with our family at the house.\"}),/*#__PURE__*/e(\"p\",{children:\"Despite the above challenges overall having a short term rental has been a good investment so far - albeit a somewhat stressful one. Despite the limited cash flow - we have seen appreciation of the property the last two years, been able to generate some tax free income due to the ability to legally deduct all operating costs and depreciation, and created countless memories by being able to spend a number of weekends with our family at the house (within IRS rules).\"}),/*#__PURE__*/n(\"p\",{children:[\"[Note: \",/*#__PURE__*/e(\"em\",{children:\"If you are considering investing in real estate, including a short-term rental, it is important to research the local market, familiarize yourself with all potential risks associated with such an investment, and consult a tax expert well-versed in IRS regulations in order to ensure that you are in full compliance\"}),\".]\"]})]});export const richText8=/*#__PURE__*/n(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Physicians often make a number of mistakes when it comes to their personal finances and wealth building strategy. We are human after all. Private forums, blogs and podcasts are filled with horror stories of physicians being scammed into buying expensive whole life insurance, having disability insurance that didn't include own-occupation coverage and being steered toward high fee investment vehicles by financial advisors. There are also countless situations such as messy divorces, the risks of doing business with family, and picking the wrong specialty or business partners that can derail our financial life.\"}),/*#__PURE__*/e(\"p\",{children:'It is hard to admit but we\u2019ve all made mistakes. Since I just finished 10 years of clinical practice after residency, I\u2019ve had time to reflect on things I wish I could undo. Alas as Soren Kierkegaard says: \"Life can only be understood backwards; but it must be lived forwards.\"'}),/*#__PURE__*/e(\"h2\",{children:\"1) Not maximizing investment in tax advantaged retirement accounts\"}),/*#__PURE__*/e(\"p\",{children:'While I have always maxed out my employer-sponsored retirement plans like a 401(k) and 403(b), I never bothered to explore what other options I had for tax-advantaged investments. After finishing residency in June 2012, I studied for my boards, did locum tenens work as a hospitalist, volunteered in Haiti, and took some time to travel. I was paid as an independent contractor/1099 during my locums assignments. Everyone talks about a backdoor Roth IRA, but contribution limits are only $6000 in 2022. Had I learned about something like a one-participant 401(k) plan / Solo 401(k) I may have budgeted better. This allows self-employed individuals (or business with no other employee) to contribute 25% of self-employment income/compensation as an employer contribution. The 2022 limit for this employer contribution is a massive $61,000 versus a \u2018regular\u2019 401(k) where your contribution limit as an employee is $20,500. This has two benefits - tax deferred growth of the $61,000 investment, and all contributions you make as the \"employer\" will be tax-deductible (subject to IRS maximums) and thus decreases your taxable income.'}),/*#__PURE__*/e(\"p\",{children:\"Way back in 2012 I didn\u2019t produce enough 1099 income to max out this employer contribution. With knowledge, planning and budgeting I could have managed to put away $25,000 as an employer contribution. Even doing this just once, compounded over 30 years at a 7% assumed return in a diversified stock market fund, would likely generate a $190,306.38 return that I will never see. If you have the foresight to do this every year with even a portion of your 1099 independent contractor or business income the returns will be enviable.\"}),/*#__PURE__*/e(\"h2\",{children:\"2) Having no student loan strategy\"}),/*#__PURE__*/e(\"p\",{children:\"My lack of awareness around student loans ultimately increased the amount I owed and the payoff duration. I went into medical school with altruistic goals and as the first physician in my family. My parents were two-time-immigrants who sacrificed and saved and were generous enough to pay for my undergraduate education. In medical school I took out loans and it seemed like Monopoly money at the time. I just assumed that upon becoming an attending my loans would magically take care of themselves with autopayments coming out of my paycheck. I also told myself loan payments were unavoidable like taxes.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"During my final year of residency, I entered a loan forbearance. Living in NYC I thought it would be a great idea and give me some well-deserved financial freedom. Forbearance allows the borrower to suspend payments up to one year at a time. I guess I missed that last line when signing the documents: Interest continues to accrue during forbearance! So, my $150000 loan balance went up by about $7000 and this was obviously compounded in subsequent years.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"For many years after graduating residency, I continued to make the minimum payments required under my income-based repayment plan (I\u2019m not sure they accounted for my 1099 side gig income so monthly payment amounts seemed a bit low). With interest rates between 2.5 and 4.8% I told myself this was \u2018free\u2019 money. I didn\u2019t budget any savings to pay back my loans any faster and experienced lifestyle creep. Besides contributing to my 401K and saving a down payment for a house, I spent my money freely and hence I didn\u2019t invest in any income producing asset.\"}),/*#__PURE__*/e(\"p\",{children:\"In 2016 I refinanced my loans from Navient to Sofi and finally started making small extra monthly payments. An email appeared on Wed, Jun 30, 2021 at 12:55 PM saying my loans had been paid in full. The problem overall was that I had 0 strategy in paying off my loans. Public service loan forgiveness wasn\u2019t even on my radar, and to make matters worse I made the mistakes above. Don\u2019t do this. Realize that compound interest is real and have some strategy, so your loans don\u2019t snowball.\"}),/*#__PURE__*/e(\"h2\",{children:\"3) Investing in things I didn\u2019t understand\"}),/*#__PURE__*/e(\"p\",{children:\"Many physicians make the mistake of jumping into the next big thing. We think that somehow our academic prowess will translate into investment success. There are so many victorious posts from colleagues on social media that it\u2019s easy to forget that a diversified portfolio is usually more reliable and less risky over the long term than individual stocks or speculative investments.\\xa0\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Recently I was listening to a personal finance podcast the other day where a physician talked about gambling away his $2 million nest egg on an investment. It was gut-wrenching to listen to and he was despondent and looking for reassurance he could one day build it back. I imagine more physicians have had similar experiences but are reluctant to discuss them.\"}),/*#__PURE__*/e(\"p\",{children:\"My own story is less dramatic, but I do regret that over the past three years I\u2019ve got thousands of dollars of unrealized losses staring at me from decisions I\u2019ve made by investing in single stocks and crypto. While I\u2019m not selling these investments at this time, I expect to get none of this money back. I should have known better. I\u2019ve come to the conclusion that most of us should forget about stock trading or crypto tips from our best friend from high school, our enthusiastic cousin, the crazy money guy yelling at us on midday tv, or from the Reddit r/wallstreetbets group.\"}),/*#__PURE__*/e(\"p\",{children:\"I hope that as physicians we can be less shy about sharing our own experiences. Andwise is building non-clinical decision support tools for physicians and with the help of the physician community our technology platform will incorporate these collective experiences into actionable, timely and personalized nudges and reminders to minimize the risk of this happening to others.\"})]});export const richText9=/*#__PURE__*/n(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Here are the top ten pieces of advice from physicians for avoiding big mistakes when taking your first hospital job:\"}),/*#__PURE__*/e(\"h2\",{children:\"1. It is important to know your market value and what you are worth on the open market.\"}),/*#__PURE__*/e(\"p\",{children:\"Know your worth by calculating your RVU production and compare it to comparable markets. There are a number of free and easy to use websites and apps that will help you do this such as RVUcalc.com and the NPS Calculator.\"}),/*#__PURE__*/e(\"h2\",{children:\"2. Review your contract carefully with an attorney before signing.\"}),/*#__PURE__*/e(\"p\",{children:\"Hire an attorney that specializes in healthcare employment contracts. This is a worthwhile investment and will save you a great deal of money and headache in the long run.\"}),/*#__PURE__*/e(\"h2\",{children:\"3. Negotiate for a sign-on bonus and/or relocation allowance.\"}),/*#__PURE__*/e(\"p\",{children:\"Make sure these items are clearly spelled out in your offer letter and/or contract. Do not take the first offer given to you. Employers expect you to negotiate and if you do not, you may be leaving money on the table.\"}),/*#__PURE__*/e(\"h2\",{children:\"4. Have a clear understanding of the Employer\u2019s Benefits package and how it works.\"}),/*#__PURE__*/e(\"p\",{children:\"Review the benefit package offered to you and make sure you understand all the details. If you do not, ask for clarification. This is important because the benefit package can have a significant impact on your overall compensation.\"}),/*#__PURE__*/e(\"h2\",{children:\"5. Make sure you understand the compensation model and how you will be paid.\"}),/*#__PURE__*/e(\"p\",{children:\"This is often a complicated topic and one that you should fully understand before signing an employment contract. Make sure you know how you will be paid (i.e. salary, production, etc.) and what the formula is for calculating your compensation.\"}),/*#__PURE__*/e(\"h2\",{children:\"6. Understand the call schedule and how it will impact your life.\"}),/*#__PURE__*/e(\"p\",{children:\"This is an important consideration, especially if you have a young family. Make sure you know what the call schedule is and how often you will be expected to take call.\"}),/*#__PURE__*/e(\"h2\",{children:\"7. Understand the partnership track (if applicable)\"}),/*#__PURE__*/e(\"p\",{children:\"If you are considering a position with a group that has a partnership track, make sure you understand the requirements and timeline for becoming a partner.\"}),/*#__PURE__*/e(\"h2\",{children:\"8. Make sure you understand the details of the malpractice insurance\"}),/*#__PURE__*/e(\"p\",{children:\"This is an important consideration, especially if you are moving to a new state. Make sure you understand the limits of the insurance and what, if any, tail coverage is provided.\"}),/*#__PURE__*/e(\"h2\",{children:\"9. Consider the location of the position and what it will mean for your lifestyle.\"}),/*#__PURE__*/e(\"p\",{children:\"This is an important consideration, especially if you have a young family. Make sure you consider the cost of living in the area, the quality of schools, and the recreation and entertainment options.\"}),/*#__PURE__*/e(\"h2\",{children:\"10. Make sure you are comfortable with the people you will be working with.\"}),/*#__PURE__*/e(\"p\",{children:\"This is an important consideration. You will be spending a lot of time with the people you work with, so make sure you are comfortable with them. Ask around and get a feel for the culture of the organization.\"}),/*#__PURE__*/e(\"p\",{children:\"The bottom line is that there is no such thing as a perfect job. However, if you take the time to do your homework and understand your options, you can find a position that is a good fit for you and your family.\"})]});export const richText10=/*#__PURE__*/n(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{style:{\"--framer-font-size\":\"14px\"},children:\"Welcome to Andwise Contract Analyzer, your intelligent assistant for navigating the complexities of physician employment contracts. Our platform has been specifically designed to cater to the needs of employed physicians, providing you with the tools and resources to understand, negotiate, and optimize your contracts with confidence.\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{style:{\"--framer-font-size\":\"14px\"},children:\"It's important to note that Andwise Contract Analyzer does not provide legal advice. Our goal is to equip you with factual information and valuable insights to enhance your understanding of the contract. We continuously update and improve our platform based on user feedback and industry trends to ensure its effectiveness.\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{style:{\"--framer-font-size\":\"14px\"},children:\"By leveraging advanced technology and comprehensive contract analysis, Andwise Contract Analyzer is helping improve outcomes for both physicians and healthcare organizations worldwide. We strive to empower physicians to make informed decisions and navigate their employment contracts with ease.\"})}),/*#__PURE__*/e(\"h2\",{children:\"Challenges Faced by Physicians in Contract Negotiation\"}),/*#__PURE__*/e(\"p\",{children:\"Physicians often encounter numerous challenges when it comes to negotiating and understanding their contracts. These challenges can include:\"}),/*#__PURE__*/n(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Lack of familiarity with legal terminology and contract structures: Physicians may not be well-versed in the legal terminology commonly found in employment contracts. This can make it difficult for them to grasp the implications and nuances of certain clauses.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Limited resources and access to specialized expertise: Many physicians may lack access to legal professionals or experts who specialize in healthcare contracts. This leaves them without the necessary guidance and support during contract negotiations.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Time constraints and fear of jeopardizing job offers or professional relationships: Physicians often face time constraints due to their demanding clinical responsibilities. They may also fear jeopardizing their job offers or professional relationships if negotiations become challenging or contentious.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Uncertainty about negotiable terms and standard practices: Physicians may feel uncertain about which contract terms are negotiable and which are typically considered standard within the industry. This lack of clarity can result in missed opportunities for securing favorable terms.\"})})]}),/*#__PURE__*/e(\"p\",{children:\"These challenges can leave physicians feeling overwhelmed and vulnerable, potentially leading to unfavorable contract terms that may negatively impact their career growth, work-life balance, and overall job satisfaction.\"}),/*#__PURE__*/e(\"h2\",{children:\"Features and Benefits of Andwise Contract Analyzer\"}),/*#__PURE__*/e(\"p\",{children:\"To address these challenges, Andwise Contract Analyzer offers the following features and benefits:\"}),/*#__PURE__*/n(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Comprehensive analysis of contract terms and conditions: Our platform provides a thorough analysis of your contract, highlighting potential red flags and areas for negotiation. This empowers physicians to make informed decisions during the negotiation process.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Tailored guidance based on individual factors: We provide personalized guidance that takes into account the physician's career stage, specialty, and contract type. This ensures that the analysis and recommendations are relevant and applicable to their specific situation.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Clear explanations of legal terminology and concepts: Our platform simplifies complex legal terminology and concepts, making the contract more accessible and understandable for physicians. This helps them better comprehend the implications of various clauses and provisions.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Suggestions for negotiating contract aspects: Andwise Contract Analyzer offers practical suggestions for negotiating specific aspects of the contract, such as work schedules, parental leave, professional development compensation, relocation assistance, malpractice insurance coverage, and more. This helps physicians optimize their contract terms to better align with their needs and goals.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Secure and confidential platform: We prioritize the security and confidentiality of your contract information. Our platform adheres to robust privacy policies and employs industry-standard encryption technologies to safeguard your data.\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"Getting Started with Andwise Contract Analyzer\"}),/*#__PURE__*/e(\"p\",{children:\"To take advantage of the powerful features offered by Andwise Contract Analyzer, follow these simple steps:\"}),/*#__PURE__*/n(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Create an Account: Visit our signup page to create a free Andwise account. Provide your basic information and create a secure password for your account.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Upload Your Contract: Once your account is created, log in and upload your employment contract in a supported format (e.g., PDF, Word). Our platform will analyze your contract and provide a detailed report within a few minutes.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Review Your Analysis: Carefully review the insights, recommendations, and explanations provided by our platform. Use these valuable resources to enhance your understanding, negotiation strategy, and optimization of your employment contract.\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"What types of issues can Andwise Contract Analyzer detect?\"}),/*#__PURE__*/e(\"p\",{children:\"Andwise Contract Analyzer is designed to help you identify key terms in your contract that could have a significant financial impact on your career. It can draw attention to various issues, including:\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Indemnity provisions\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Tail coverage requirements\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Severance clauses\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Non-compete radius, duration, and similarity\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Call coverage requirements\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Compensation structures and performance metrics\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Paid vs. unpaid time off\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Recourse in case of employer breaches\"})})]}),/*#__PURE__*/e(\"p\",{children:\"By utilizing Andwise Contract Analyzer, you not only empower yourself with the tools and resources needed to optimize\\xa0your employment contracts but also become a part of a community of like-minded physicians dedicated to making informed decisions and better understanding their professional opportunities.\"}),/*#__PURE__*/n(\"p\",{children:[\"Ready to get started? Visit our signup page and \",/*#__PURE__*/e(i,{href:\"https://joinandwise.com/#singup\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"create your free Andwise account\"})}),\" today. We look forward to welcoming you to our community and helping you navigate the complexities of physician employment contracts with confidence and ease.\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:\"Disclaimer: The Andwise employment contract analyzer is a tool that provides contract analysis and insights for informational purposes only. It does not constitute a legal opinion or advice and should not be used as a substitute for professional legal advice. It is essential to consult a qualified professional or lawyer for advice tailored to your individual situation. Andwise Contract Analyzer does not guarantee any specific outcomes or results in contract negotiations.\"})}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(\"span\",{children:\"Frequently Asked Questions\"})}),/*#__PURE__*/e(\"h3\",{children:\"Q: Can I use Andwise Contract Analyzer for other types of contracts?\"}),/*#__PURE__*/e(\"p\",{children:\"A: Andwise Contract Analyzer is primarily designed for physician employment contracts. While some analysis and insights may be relevant to other types of contracts, it's important to note that our platform is tailored specifically for physician contracts. If you have contracts outside the scope of physician employment, we recommend consulting with legal professionals who specialize in those specific contract types to ensure compliance and accurate guidance.\"}),/*#__PURE__*/e(\"h3\",{children:\"Q: How long does it take to analyze my contract?\"}),/*#__PURE__*/e(\"p\",{children:\"A: The analysis time varies depending on the length and complexity of your contract. In most cases, our platform can provide a comprehensive analysis within a few minutes. However, it's crucial to understand that the analysis provided by Andwise Contract Analyzer is for informational purposes only and should not replace a thorough legal review by a qualified professional.\"}),/*#__PURE__*/e(\"h3\",{children:\"Q: Is my data secure with Andwise?\"}),/*#__PURE__*/e(\"p\",{children:\"A: Yes, data security is a top priority for us. We have implemented robust security measures to protect your sensitive contract information. We employ industry-standard encryption technologies, secure data storage practices, and access controls to ensure your data remains confidential. Your privacy and data security are of utmost importance to us.\"}),/*#__PURE__*/e(\"h3\",{children:\"Q: What formats are supported for uploading contracts?\"}),/*#__PURE__*/e(\"p\",{children:\"A: Andwise Contract Analyzer currently supports PDF and Word document formats, which are widely used for employment contracts. If you have contracts in other formats, please reach out to our support team, and we'll explore possible solutions to accommodate your needs.\"}),/*#__PURE__*/e(\"h3\",{children:\"Q: Do I need to download any software to use Andwise Contract Analyzer?\"}),/*#__PURE__*/e(\"p\",{children:\"A: No, there is no need to download or install any software. Andwise Contract Analyzer is a cloud-based platform accessible through your web browser on any device with an internet connection. This ensures convenience and ease of use while maintaining data security and compliance.\"}),/*#__PURE__*/e(\"h3\",{children:\"Q: Is there a fee to use Andwise Contract Analyzer?\"}),/*#__PURE__*/e(\"p\",{children:\"A: Currently, Andwise Contract Analyzer is offered free of charge. Our goal is to provide valuable contract analysis and guidance to physicians without any financial burden. However, as we continue to enhance our platform and introduce new features, we may offer premium services or additional features for a fee. Rest assured, the core analysis and guidance features of Andwise Contract Analyzer will remain accessible to all users.\"}),/*#__PURE__*/e(\"h3\",{children:\"Q: How does Andwise Contract Analyzer ensure compliance with legal regulations?\"}),/*#__PURE__*/e(\"p\",{children:\"A: Andwise Contract Analyzer is designed to assist physicians in understanding their employment contracts and identifying key terms. While our platform incorporates legal knowledge and algorithms, it's important to note that it does not provide legal advice. We highly recommend consulting with legal professionals who specialize in healthcare contracts to ensure compliance with legal regulations and specific contract requirements. Andwise Contract Analyzer serves as a tool to support your understanding and decision-making process, but the final responsibility for contract interpretation and compliance lies with the user.\"}),/*#__PURE__*/e(\"h3\",{children:\"Q: How does Andwise Contract Analyzer handle privacy and data protection?\"}),/*#__PURE__*/e(\"p\",{children:\"A: At Andwise, we are committed to protecting your privacy and adhering to data protection regulations. We follow industry best practices and employ robust security measures to safeguard your data. We handle personal and sensitive information in accordance with applicable privacy laws and regulations. We have implemented measures to ensure secure data transmission, storage, and access controls. Your trust and privacy are of utmost importance to us.\"}),/*#__PURE__*/e(\"p\",{children:\"If you have any further questions or concerns regarding compliance or privacy, please reach out to our support team. We are here to assist you and provide the necessary information to address your compliance-related inquiries.\"})]});export const richText11=/*#__PURE__*/n(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"We asked physicians to tell us what immediately actionable advice they have for graduating residents who are choosing their first attending job. Here's what they said:\"}),/*#__PURE__*/e(\"h2\",{children:\"Dr. D: \\\"Don't let anyone rush you into a decision. You've waited this long, you can wait a few more weeks to get the ideal situation.\\\"\"}),/*#__PURE__*/e(\"p\",{children:\"Our take:\"}),/*#__PURE__*/e(\"p\",{children:\"At Andwise, we strongly urge graduating residents to take their time selecting an attending job rather than rushing into a decision. It's important for physicians to understand their financial needs, long-term goals, and desired lifestyle before accepting an offer. We recommend physicians take the time to explore all potential opportunities, evaluate compensation plans, and evaluate the potential opportunities at each organization before committing to a job. Doing so will help ensure they make the best decision for their future and provide them with the financial stability they'll need to achieve their goals.\"}),/*#__PURE__*/e(\"h2\",{children:'Dr. S: \"Make sure you understand the call schedule and what work hours are really like before you sign anything!\"'}),/*#__PURE__*/e(\"p\",{children:\"Our take:\"}),/*#__PURE__*/e(\"p\",{children:\"At Andwise, we emphasize how important it is for physicians to thoroughly research the work environment before signing a contract. Knowing the details of the call schedule, hours, and workload ahead of time helps you set realistic expectations for your practice and plan for the future. It's also important to take these responsibilities into consideration when considering compensation packages. A structured call schedule, ample vacation time, and an understanding of the actual work hours can all be invaluable when it comes to maintaining a healthy work-life balance.\"}),/*#__PURE__*/e(\"h2\",{children:\"Dr. H: \\\"Most important: does the hospital/clinic have a good EMR? You'll be stuck with it for years.\u201D\"}),/*#__PURE__*/e(\"p\",{children:\"Our take:\"}),/*#__PURE__*/e(\"p\",{children:\"At Andwise, we understand the importance of choosing an organization with a comprehensive, reliable Electronic Medical Record (EMR) system. A good EMR not only streamlines patient care, but also saves physicians time and reduces stress. When researching potential employers, it's important to take the time to research and ask questions about the EMR. How up-to-date is it? Is the interface user-friendly? Is the system reliable? Are there enough knowledgeable personnel to support it? Answering these questions ahead of time can help ensure you choose a job that enables you to provide the best care possible for your patients.\"}),/*#__PURE__*/e(\"h2\",{children:'Dr. P: \"Make sure you understand the financial arrangements, especially if you\\'re taking on debt.\"'}),/*#__PURE__*/e(\"p\",{children:\"Our take:\"}),/*#__PURE__*/e(\"p\",{children:\"At Andwise, we understand that physicians often take on significant debt in order to pursue their medical career. As such, it's important to have a thorough understanding of all financial arrangements that come with a job offer. It's important to review salary and benefits packages, as well as any additional perks or opportunities that come with the job, such as student debt repayment or loan forgiveness programs. Additionally, it's important to consider the long-term implications of the financial arrangement. Will this arrangement enable you to pay off debt? Is it financially sustainable for the long-term? Understanding all of these components ahead of time will help you make a more informed decision.\"}),/*#__PURE__*/e(\"h2\",{children:\"Dr. V: \\\"Do your research on the hospital/clinic's culture, policies, and procedures. You don't want any surprises.\\\"\"}),/*#__PURE__*/e(\"p\",{children:\"Our take:\"}),/*#__PURE__*/e(\"p\",{children:\"At Andwise, we recognize the importance of researching an organization's culture, policies, and procedures before accepting a position. Doing so enables physicians to make sure they are comfortable with the environment and understand their responsibilities. It's important to ask questions, review policies, and talk to current employees to ensure there are no unwelcome surprises. Additionally, it's important to research the organization's history, policies, and procedures to ensure the organization has a track record of success and operates in an ethical manner. All of these steps can help ensure a successful long-term relationship with the organization.\"}),/*#__PURE__*/e(\"h2\",{children:\"Dr. L: \u201CDon't sign anything without having an attorney look at it first.\u201D\"}),/*#__PURE__*/e(\"p\",{children:\"Our take:\"}),/*#__PURE__*/e(\"p\",{children:\"At Andwise, we strongly recommend all physicians consult a knowledgeable attorney before signing any contracts or agreements. These documents are legally binding and can have significant financial implications, so it's important to have a professional review them to ensure they are in your best interest. Additionally, attorneys can also discuss any potential risks associated with the agreement, including any non-compete clauses or restrictions on the practice of medicine. Having a lawyer review the documents can help ensure you are making a decision that is in your best interest and provide peace of mind moving forward.\"}),/*#__PURE__*/e(\"h2\",{children:\"Dr. W: \\\"Don't be afraid to negotiate! They expect it.\u201D\"}),/*#__PURE__*/e(\"p\",{children:\"Our take:\"}),/*#__PURE__*/e(\"p\",{children:\"At Andwise, we encourage physicians to confidently negotiate when presented with a job offer. Employers expect and value negotiation, so it's important for physicians to make sure their needs and expectations are taken into consideration. This can include asking for a higher salary, increased paid time off, or a more flexible call schedule. Additionally, by negotiating, physicians may be able to gain more leverage over their practice and have more control over the type of work they do. It is important to remember that employers are looking for talented physicians, and that negotiating is a part of the job offer process.\"})]});export const richText12=/*#__PURE__*/n(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"We are proud to announce the 2023 Medical Advisory Board (MAB) of Andwise! This esteemed group of highly skilled and experienced physicians is respected in their respective medical fields. With members spread across the United States, the MAB has a diverse set of backgrounds and specializes in a variety of medical disciplines, including but not limited to primary care, cardiology, oncology, obstetrics and gynecology, and surgery.\"}),/*#__PURE__*/e(\"p\",{children:\"The MAB is also geographically diverse and has reach through social media platforms popular among physicians and their individual and collective networks. We have such an incredible team of exceptional physicians and are privileged to have their support.\"}),/*#__PURE__*/e(\"p\",{children:\"Our 2023 MAB is comprised of individuals with a wealth of knowledge and experience in the medical, financial, and business fields. The board provides a unique perspective on how to best manage one's finances as a physician, and offers insights on topics such as investment strategy, career planning, and financial goal-setting. Additionally, the board is well connected to the medical community, and is able to provide Andwise with valuable feedback from physicians across the country.\"})]});export const richText13=/*#__PURE__*/n(t.Fragment,{children:[/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"span\",{children:\"At Andwise, our ultimate goal is to empower physicians to take control of their financial lives by equipping them with the knowledge, resources, and tools they need to make informed decisions. We are dedicated to providing a user-friendly, comprehensive platform that simplifies the complex world of\"}),\" personal \",/*#__PURE__*/e(\"span\",{children:\"financ\"}),\"ial wellness\",/*#__PURE__*/e(\"span\",{children:\". In this section, we address some frequently asked questions about our platform and services.\"})]}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"span\",{children:\"What is Andwise?\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{children:\"Andwise is a platform dedicated to providing physicians with the tools, resources, and education they need to achieve financial independence. Our goal is to simplify the complex world of finance and investments and offer valuable educational resources and decision support tools to help physicians make more informed financial choices.\"})}),/*#__PURE__*/e(\"h3\",{children:\"Who is behind Andwise?\"}),/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"span\",{children:\"Varun Verma, MD, cofounded Andwise with Kanav Jain. Varun has a decade of experience in internal medicine, working at renowned hospitals such as UCSF and Brigham. Kanav, a med school dropout,\\xa0\"}),/*#__PURE__*/e(i,{href:\"https://blog.doximity.com/articles/goodbye-67-hello-doximity-dialer\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:/*#__PURE__*/e(\"span\",{children:\"launched Doximity Dialer in 2016\"})})}),/*#__PURE__*/e(\"span\",{children:\"\\xa0and specialized in finance and tech at NYU Stern.\"})]}),/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"span\",{children:\"Our not-so-secret weapon at Andwise is our \"}),/*#__PURE__*/e(i,{href:\"https://blog.joinandwise.com/?p=announcing-the-andwise-medical-advisory-board\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:/*#__PURE__*/e(\"span\",{children:\"Medical Advisory Board\"})})}),/*#__PURE__*/e(\"span\",{children:\",\\xa0which includes professionals from various medical specialties and stages of their careers. This diverse group of advisors helps ensure that our platform stays relevant, accurate, and in tune with the unique needs and challenges faced by physicians.\"})]}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"span\",{children:\"Who can use Andwise?\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{children:\"Andwise is designed specifically for physicians who are looking to take control of their financial lives. Our platform caters to physicians at all stages of their careers, from medical students and residents to practicing physicians and retirees.\"})}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"span\",{children:\"How does Andwise work?\"})}),/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"span\",{children:\"Andwise offers a comprehensive suite of resources and decision support tools that cover various aspects of financial management and investment. Our platform includes personalized resources,\"}),\" \",/*#__PURE__*/e(\"span\",{children:\"educational content, and interactive tools that help physicians navigate the world of finance and make informed decisions. Users can access our platform to learn about budgeting, debt management, retirement planning, investment strategies, and much more.\"})]}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"span\",{children:\"What types of resources are available on Andwise?\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{children:\"Andwise provides a wide range of educational resources, including articles, guides, webinars, and workshops. We cover topics such as budgeting, debt management, retirement planning, investment strategies, and more. Our platform also offers personalized decision support tools and resources tailored to each user's individual needs and goals.\"})}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"span\",{children:\"Is Andwise a financial advisory service?\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{children:\"No, Andwise is not a financial advisory service, Andwise is a technology company. We provide educational resources and decision support tools to help physicians make informed financial decisions. While we strive to deliver high-quality information, our platform is not a substitute for professional legal or financial advice. We encourage users to consult with a financial advisor or other qualified professionals for personalized guidance.\"})})]});export const richText14=/*#__PURE__*/n(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:\"Last Updated: October 11, 2023, Effective Date: October 25, 2023\"})}),/*#__PURE__*/e(\"h2\",{children:\"Introduction\"}),/*#__PURE__*/e(\"p\",{children:\"Welcome to Andwise, the financial wellness platform designed specifically for physicians. Your privacy is paramount to us, and we adhere to the highest standards in data protection. By using Andwise, you are consenting to this Privacy Policy. This policy applies to all registered physician users of Andwise.\"}),/*#__PURE__*/e(\"h3\",{children:\"Quick Summary:\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"We collect your personal, financial, and professional information.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Your information is used to enhance our services and your experience.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"We may share your information only under specific conditions.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"You have the right to control your information.\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"Information We Collect\"}),/*#__PURE__*/e(\"h3\",{children:\"Types of Information:\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Personal Information\"}),\": Name, email address, phone number, and physical address.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Financial Information\"}),\": Investment goals, net worth, income, bank account, and routing details.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Professional Information\"}),\": Medical training and practice details.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"We also use cookies and other tracking technologies to collect data for analytics and targeted advertising. For more details, see our Cookie Policy.\"}),/*#__PURE__*/e(\"h3\",{children:\"Information Collected as per CCPA\"}),/*#__PURE__*/e(\"p\",{children:\"The above details serve as a 'Notice at Collection' under the California Consumer Privacy Act (CCPA).\"}),/*#__PURE__*/e(\"h2\",{children:\"How We Use Your Information\"}),/*#__PURE__*/e(\"p\",{children:\"We leverage cutting-edge technologies to:\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Improve and operate our services\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Provide customer support\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Communicate updates and offers tailored to your professional needs\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Conduct research and analysis for continuous improvement\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Develop new features that align with your financial goals\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Ensure security and legal compliance\"})})]}),/*#__PURE__*/e(\"h3\",{children:\"Advertising\"}),/*#__PURE__*/e(\"p\",{children:\"We use advanced algorithms to serve you targeted ads that are relevant to your financial and professional interests. We may also share this information with marketing partners who align with our values and your needs.\"}),/*#__PURE__*/e(\"h2\",{children:\"Information Sharing\"}),/*#__PURE__*/e(\"p\",{children:\"Your information may be shared when:\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"We have your explicit consent\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Required by law or to respond to legal requests\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Necessary for safety, security, or compliance purposes\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Facilitating a business transfer, under strict confidentiality and legal safeguards\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"Security Measures\"}),/*#__PURE__*/e(\"p\",{children:\"We employ state-of-the-art security measures, including advanced encryption algorithms and real-time monitoring, to protect your information. While no system can be 100% secure, we are committed to continually improving our security protocols.\"}),/*#__PURE__*/e(\"h2\",{children:\"Your Choices\"}),/*#__PURE__*/e(\"p\",{children:\"To update or delete your information, visit your account settings. You also have the option to opt-out of data collection or targeted advertising through your account settings.\"}),/*#__PURE__*/e(\"h2\",{children:\"Data Retention\"}),/*#__PURE__*/e(\"p\",{children:\"We retain your data as long as necessary to provide our services and as mandated by legal requirements. Our data retention practices align with industry best practices and legal obligations.\"}),/*#__PURE__*/e(\"h2\",{children:\"Children's Privacy\"}),/*#__PURE__*/e(\"p\",{children:\"Our services are not intended for children under 13.\"}),/*#__PURE__*/e(\"h2\",{children:\"International Data Transfers\"}),/*#__PURE__*/e(\"p\",{children:\"Your data may be transferred and stored across international borders, in compliance with relevant laws and regulations.\"}),/*#__PURE__*/e(\"h2\",{children:\"CCPA Rights\"}),/*#__PURE__*/e(\"p\",{children:\"If you're a resident of California, you have specific rights, including:\"}),/*#__PURE__*/n(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Access to your data\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Correction of your data\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Deletion of your data\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Objection to processing of your data\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Data portability\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"Changes to This Policy\"}),/*#__PURE__*/e(\"p\",{children:\"We may update this policy periodically. Changes will be notified as required by law.\"}),/*#__PURE__*/e(\"h2\",{children:\"Dispute Resolution\"}),/*#__PURE__*/e(\"p\",{children:\"Any disputes or complaints regarding our privacy practices can be addressed through a structured resolution process, which includes initial contact, internal review, and third-party arbitration, if necessary.\"}),/*#__PURE__*/e(\"h2\",{children:\"Data Protection Officer\"}),/*#__PURE__*/e(\"p\",{children:\"For questions about data protection, contact our Data Protection Officer at contact+dpo@joinandwise.com.\"}),/*#__PURE__*/e(\"h2\",{children:\"Contact Us\"}),/*#__PURE__*/n(\"p\",{children:[\"For general questions, contact us at info@joinandwise.com or visit our comprehensive \",/*#__PURE__*/e(i,{href:{webPageId:\"fHXR3p661\"},openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"FAQ section\"})}),\".\"]})]});export const richText15=/*#__PURE__*/n(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Andwise Terms of Use\"}),/*#__PURE__*/e(\"p\",{children:\"Last Updated Oct 11, 2023\"}),/*#__PURE__*/e(\"h3\",{children:\"Introduction\"}),/*#__PURE__*/e(\"p\",{children:'Welcome to Andwise! These Terms of Use (\"Terms\") govern your use of the Andwise website, applications, and other services (collectively, the \"Services\"). By using our Services, you agree to be bound by these Terms, including our Privacy Policy and disclaimers. Please read them carefully.'}),/*#__PURE__*/e(\"h3\",{children:\"Quick Summary:\"}),/*#__PURE__*/n(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Andwise is not a Registered Investment Advisor (RIA).\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"You are responsible for safeguarding your Andwise account.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:'Our Services are provided \"as is\" without explicit guarantees.'})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Consult our Privacy Policy to understand how your data is used.\"})})]}),/*#__PURE__*/e(\"h3\",{children:\"Using Our Services\"}),/*#__PURE__*/e(\"h3\",{children:\"Compliance and Restrictions\"}),/*#__PURE__*/n(\"p\",{children:[\"You must follow any policies made available to you within the Services. You may use our Services only as permitted by law, including applicable export and re-export control laws and regulations. \",/*#__PURE__*/e(\"strong\",{children:\"Note\"}),\": Andwise is not a Registered Investment Advisor (RIA) and complies with regulations enforced by the Securities and Exchange Commission (SEC).\"]}),/*#__PURE__*/e(\"h3\",{children:\"Suspension and Termination\"}),/*#__PURE__*/e(\"p\",{children:\"We may suspend or stop providing our Services to you if you do not comply with our terms or policies, or if we are investigating suspected misconduct. The conditions for termination and the process for notifying users will be provided in such cases.\"}),/*#__PURE__*/e(\"h3\",{children:\"Your Andwise Account\"}),/*#__PURE__*/e(\"p\",{children:\"You may need an Andwise account to use some of our Services. You are responsible for safeguarding your account. Use a strong password and limit its use to this account. We will not be liable for any loss or damage arising from your failure to comply with these requirements.\"}),/*#__PURE__*/e(\"h3\",{children:\"Privacy\"}),/*#__PURE__*/e(\"p\",{children:\"Our Privacy Policy explains how we treat your personal data and protect your privacy when you use our Services. By using our Services, you agree that Andwise can use such data in accordance with our Privacy Policy.\"}),/*#__PURE__*/e(\"h3\",{children:\"Content in Our Services\"}),/*#__PURE__*/e(\"h3\",{children:\"User-Generated Content\"}),/*#__PURE__*/e(\"p\",{children:\"Our Services may allow users to generate content. You retain your intellectual property rights to the content you create but grant Andwise a worldwide, royalty-free license to use, display, and distribute said content within the Services.\"}),/*#__PURE__*/e(\"h3\",{children:\"Third-Party Content\"}),/*#__PURE__*/e(\"p\",{children:\"Content not owned by Andwise is the responsibility of the entity that provides it. While we may review such content, we do not assume responsibility for it.\"}),/*#__PURE__*/e(\"h3\",{children:\"Intellectual Property Rights\"}),/*#__PURE__*/e(\"p\",{children:\"Using our Services does not give you ownership of any intellectual property rights in our Services or the content you access.\"}),/*#__PURE__*/e(\"h3\",{children:\"Software in Our Services\"}),/*#__PURE__*/e(\"p\",{children:\"When a Service includes downloadable software, it may update automatically on your device. You have a personal, non-exclusive license to use the software as part of the Services.\"}),/*#__PURE__*/e(\"h3\",{children:\"Modifying and Terminating Our Services\"}),/*#__PURE__*/e(\"p\",{children:\"We are constantly improving our Services. We may add or remove functionalities or features and may suspend or stop a Service altogether.\"}),/*#__PURE__*/e(\"h3\",{children:\"Our Warranties and Disclaimers\"}),/*#__PURE__*/e(\"p\",{children:\"We provide our Services using a commercially reasonable level of skill and care. Except as expressly provided in these Terms and our overall disclaimer, we do not make specific promises about the Services.\"}),/*#__PURE__*/e(\"h3\",{children:\"Liability for Our Services\"}),/*#__PURE__*/e(\"p\",{children:\"TO THE EXTENT PERMITTED BY LAW, ANDWISE AND ITS SUPPLIERS AND DISTRIBUTORS WILL NOT BE RESPONSIBLE FOR INDIRECT, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES.\"}),/*#__PURE__*/e(\"h3\",{children:\"Business Uses of Our Services\"}),/*#__PURE__*/e(\"p\",{children:\"If you are using our Services on behalf of a business, that business accepts these terms and will indemnify Andwise against any claims or proceedings related to the use of the Services.\"}),/*#__PURE__*/e(\"h3\",{children:\"Dispute Resolution and Jurisdiction\"}),/*#__PURE__*/e(\"p\",{children:\"All claims, disputes, or controversies arising out of or in relation to these Terms, or the breach thereof, shall be settled by binding arbitration administered by an agreed-upon arbitration body, in accordance with the laws of the State of Delaware, United States. The arbitration proceedings shall take place in Atlanta, Georgia, unless both parties agree to a different location. The decision by the arbitrator will be final and binding on both parties.\"}),/*#__PURE__*/e(\"h3\",{children:\"About These Terms\"}),/*#__PURE__*/e(\"p\",{children:\"We may modify these terms at any time. We'll post notice of modifications on this page, effective no sooner than fourteen days after posting.\"}),/*#__PURE__*/e(\"h3\",{children:\"Contact Information\"}),/*#__PURE__*/e(\"p\",{children:\"For questions or concerns about these Terms, contact us at info@joinandwise.com.\"})]});export const richText16=/*#__PURE__*/n(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{children:\"Our mission at Andwise is to empower physicians by providing them with the education, resources, and decision support tools they need to take control of their financial lives. We believe that through our comprehensive platform and dedication to providing valuable, unbiased information, we can help physicians make informed financial decisions and achieve financial independence.\"})}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"span\",{children:\"Customized Solutions for Individual Needs\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{children:\"We recognize that every physician's financial journey is unique, which is why we are committed to offering customized solutions that cater to each individual's needs and goals. Our platform is designed to provide personalized resources and decision support tools that can help physicians identify and pursue the most suitable financial strategies for their specific circumstances.\"})}),/*#__PURE__*/n(\"h3\",{children:[/*#__PURE__*/e(\"span\",{children:\"A Focus on Education and\"}),\" \",/*#__PURE__*/e(\"span\",{children:\"Information Sharing\"})]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{children:\"At the core of our mission is our focus on education and information sharing. We believe that by providing physicians with clear, accurate, and easily understandable financial information, we can empower them to make informed decisions that positively impact their financial lives. We are dedicated to offering a wide range of educational resources, from articles and guides to webinars and workshops, that cover various aspects of financial management and investment.\"})}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"span\",{children:\"Accessible and User-Friendly Technology\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{children:\"We understand that physicians have demanding schedules and require accessible, user-friendly tools that can be easily integrated into their busy lives. Our mission includes ensuring that our platform is designed with the end user in mind, delivering a seamless experience that makes financial management and decision-making more efficient and enjoyable.\"})}),/*#__PURE__*/n(\"h3\",{children:[/*#__PURE__*/e(\"span\",{children:\"Building\"}),\" \",/*#__PURE__*/e(\"span\",{children:\"a Community of Empowered Physicians\"})]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{children:\"We believe that by fostering a community of empowered physicians, we can collectively work towards achieving financial independence and a secure future. Our mission involves creating a platform where physicians can connect, collaborate, and share their experiences, knowledge, and insights, ultimately contributing to the growth and success of the entire community.\"})})]});export const richText17=/*#__PURE__*/n(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{children:\"At Andwise, our core values guide every aspect of our platform and services, shaping our commitment to empowering physicians in their financial journey.\"})}),/*#__PURE__*/e(\"h3\",{children:\"Accountability\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{children:\"We hold ourselves accountable for the quality and accuracy of our platform and services. We continuously strive to improve and enhance our offerings, ensuring that we deliver the most relevant and effective decision support tools for our physician users. By taking responsibility for our actions and decisions, we demonstrate our commitment to empowering physicians and fostering a community built on trust and mutual support.\"})}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"span\",{children:\"Collaboration\"})}),/*#__PURE__*/n(\"p\",{children:[/*#__PURE__*/e(\"span\",{children:\"We believe in the power of teamwork and the importance of fostering a collaborative environment. Our platform encourages physicians to connect, share their experiences, and learn from one another, ultimately contributing to the growth and\"}),\" \",/*#__PURE__*/e(\"span\",{children:\"success of the entire community.\"})]}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"span\",{children:\"Transparency\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{children:\"At Andwise, we prioritize transparency in all aspects of our platform and services. We are dedicated to providing clear, accurate, and easily understandable information, allowing physicians to make informed decisions based on objective, unbiased data. We continually strive to maintain the trust and confidence of our users by adhering to the highest standards of transparency and ethical practices.\"})}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"span\",{children:\"Integrity\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{children:\"We adhere to the highest standards of honesty, professionalism, and ethical behavior in all that we do. We are committed to providing transparent and unbiased information, ensuring that physicians can trust in the quality and reliability of our platform.\"})}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"span\",{children:\"Value Delivery\"})}),/*#__PURE__*/n(\"p\",{children:[\"Yes, one of our values is\u2026value! \",/*#__PURE__*/e(\"span\",{children:\"We are committed to providing value-driven solutions and services to our physician users. This means that we prioritize the needs and goals of our users, ensuring that our platform delivers tangible benefits and positive outcomes. By focusing on creating value, we demonstrate our dedication to supporting physicians in their journey towards financial independence and success.\"})]}),/*#__PURE__*/e(\"h3\",{children:/*#__PURE__*/e(\"span\",{children:\"Empowerment\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"span\",{children:\"At the heart of our ACTIVE values is our dedication to empowering physicians through education, information sharing, and decision support tools. We believe that by equipping physicians with the knowledge and resources they need, we can help them take control of their financial lives and achieve financial independence.\"})})]});export const richText18=/*#__PURE__*/n(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"At Andwise, our vision is to empower physicians across the United States, arming them with the tools, resources, and community they need to confidently and securely navigate their unique financial journeys.\"}),/*#__PURE__*/e(\"h2\",{children:\"Empowering Physicians\"}),/*#__PURE__*/e(\"p\",{children:\"Our goal is to equip every physician, regardless of career stage or background, with\\xa0intuitive tools\\xa0and\\xa0valuable insights. We aim to enable physicians to conquer the unique financial challenges inherent in their profession, thereby bridging wealth gaps across diverse specialties, locations, genders, and races.\"}),/*#__PURE__*/e(\"h2\",{children:\"Holistic Approach & Reducing Burnout\"}),/*#__PURE__*/e(\"p\",{children:\"We commit to a\\xa0holistic approach, recognizing the synergy between professional success, personal satisfaction, and financial health. Andwise's services are tailored to address crucial aspects of a physician's life, encompassing career navigation, personal growth, and retirement planning. By managing their financial matters, we aim to lessen physician burnout, giving them more time and energy for their primary role:\\xa0delivering patient care.\"}),/*#__PURE__*/e(\"h2\",{children:\"Leveraging AI and Machine Learning\"}),/*#__PURE__*/e(\"p\",{children:\"We envision a future where\\xa0AI and machine learning\\xa0become indispensable to financial planning. We aspire to use these advanced technologies for predictive analysis and strategic, personalized recommendations, enabling physicians to proactively plan their financial future, bolstered by AI-powered insights.\"}),/*#__PURE__*/e(\"h2\",{children:\"Fostering a Nationwide Community\"}),/*#__PURE__*/e(\"p\",{children:\"We aim to create a\\xa0nationwide network\\xa0of physicians, fostering a supportive community where shared experiences, wisdom, and mutual support are the norm. This community-based approach is designed to alleviate the sense of isolation often accompanying financial journeys and contribute to better financial and mental health outcomes.\"}),/*#__PURE__*/e(\"h2\",{children:\"Democratizing Financial Planning\"}),/*#__PURE__*/e(\"p\",{children:\"We envision\\xa0democratizing financial planning, making it less intimidating, more accessible, and highly personalized for physicians. We commit to alleviating financial stress, enabling physicians to focus on their critical, life-saving work, personal aspirations, and fostering a more balanced lifestyle.\"}),/*#__PURE__*/e(\"h2\",{children:\"Integration into Healthcare Systems\"}),/*#__PURE__*/e(\"p\",{children:\"As we grow, we foresee Andwise's solutions becoming\\xa0integral within hospitals and healthcare systems, fostering healthier work environments and contributing to an overall healthier healthcare sector.\"}),/*#__PURE__*/e(\"p\",{children:\"Andwise's vision is to ensure every physician can confidently navigate their financial journey, enhance their professional success, personal satisfaction, and financial health. Our dream is to create a fair, community-focused financial world, fostering a more balanced lifestyle for physicians, and reshaping the finance industry through the potential of specialized financial services. This, we believe, will inevitably lead to an improved quality of patient care, benefiting society as a whole.\"})]});\nexport const __FramerMetadata__ = {\"exports\":{\"richText4\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"richText14\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"richText3\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"richText10\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"richText12\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"richText17\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"richText15\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"richText\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"richText5\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"richText8\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"richText13\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"richText9\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"richText18\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"richText16\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"richText11\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"richText7\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"richText2\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"richText1\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"richText6\":{\"type\":\"variable\",\"annotations\":{\"framerContractVersion\":\"1\"}},\"__FramerMetadata__\":{\"type\":\"variable\"}}}"],
  "mappings": "4FAA+G,IAAMA,EAAsBC,EAAIC,EAAS,CAAC,SAAS,CAAcC,EAAE,IAAI,CAAC,SAAS,wmBAAwmB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,yZAA+Y,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,2MAAsM,CAAC,EAAeF,EAAE,MAAM,CAAC,SAAS,CAAC,oBAAiCE,EAAEC,EAAE,CAAC,KAAK,uGAAuG,aAAa,GAAG,aAAa,GAAG,SAAsBD,EAAE,IAAI,CAAC,SAAS,kCAAkC,CAAC,CAAC,CAAC,EAAeA,EAAEC,EAAE,CAAC,KAAK,uGAAuG,aAAa,GAAG,aAAa,GAAG,SAAsBD,EAAE,IAAI,CAAC,SAAS,sDAAsD,CAAC,CAAC,CAAC,EAAeA,EAAEC,EAAE,CAAC,KAAK,uGAAuG,aAAa,GAAG,aAAa,GAAG,SAAsBD,EAAE,IAAI,CAAC,SAAS,2CAA2C,CAAC,CAAC,CAAC,EAAeA,EAAEC,EAAE,CAAC,KAAK,uGAAuG,aAAa,GAAG,aAAa,GAAG,SAAsBD,EAAE,IAAI,CAAC,SAAS,mCAAmC,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,kCAAkC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,wdAAwd,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,kZAA6Y,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,qQAA2P,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,sDAAsD,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,0dAA0d,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,6fAA6f,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,2CAA2C,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,ooBAAooB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,iMAAiM,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,gkBAAgkB,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,kCAAkC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,gWAAgW,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,6aAA6a,CAAC,CAAC,CAAC,CAAC,EAAeE,EAAuBJ,EAAIC,EAAS,CAAC,SAAS,CAAcD,EAAE,IAAI,CAAC,SAAS,CAAC,8MAA2NE,EAAE,KAAK,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,CAAC,EAAE,mtBAAusBA,EAAE,KAAK,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,CAAC,EAAE,qeAAkfA,EAAE,KAAK,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,CAAC,EAAE,gFAAgF,CAAC,CAAC,EAAeF,EAAE,KAAK,CAAC,SAAS,CAAcE,EAAE,KAAK,CAAC,CAAC,EAAE,oBAAoB,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,ytBAAytB,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,wBAAwB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,iSAAiS,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,QAAQ,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,+5BAA05B,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,qBAAqB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,k9BAAy7B,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,oCAAoC,CAAC,EAAeF,EAAE,IAAI,CAAC,SAAS,CAAC,smBAA8mBE,EAAE,KAAK,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,CAAC,EAAE,8iBAAsjBA,EAAE,KAAK,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,UAAU,gBAAgB,CAAC,CAAC,CAAC,CAAC,EAAeF,EAAE,IAAI,CAAC,SAAS,CAAcE,EAAE,KAAK,CAAC,SAAS,4DAA4D,CAAC,EAAeA,EAAEC,EAAE,CAAC,KAAK,iCAAiC,aAAa,GAAG,aAAa,GAAG,SAAsBD,EAAE,IAAI,CAAC,SAAsBA,EAAE,KAAK,CAAC,SAAS,sBAAsB,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,0dAA0d,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeG,EAAuBL,EAAIC,EAAS,CAAC,SAAS,CAAcC,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,4cAA4c,CAAC,CAAC,CAAC,EAAeF,EAAE,KAAK,CAAC,SAAS,CAAcE,EAAE,OAAO,CAAC,SAAS,SAAS,CAAC,EAAE,GAAG,CAAC,CAAC,EAAeF,EAAE,IAAI,CAAC,SAAS,CAAcE,EAAE,OAAO,CAAC,SAAS,mEAAmE,CAAC,EAAE,aAA0BA,EAAE,OAAO,CAAC,SAAS,oPAAoP,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,eAAe,CAAC,CAAC,CAAC,EAAeF,EAAE,IAAI,CAAC,SAAS,CAAcE,EAAE,OAAO,CAAC,SAAS,oTAAoT,CAAC,EAAE,OAAoBA,EAAE,OAAO,CAAC,SAAS,0EAAqE,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,0BAA0B,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,0OAA0O,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,WAAW,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,mJAAmJ,CAAC,CAAC,CAAC,EAAeF,EAAE,KAAK,CAAC,SAAS,CAAcE,EAAE,OAAO,CAAC,SAAS,wBAAwB,CAAC,EAAE,IAAI,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,iRAAiR,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,oCAAoC,CAAC,EAAeF,EAAE,IAAI,CAAC,SAAS,CAAcE,EAAE,OAAO,CAAC,SAAS,uRAAuR,CAAC,EAAE,UAAuBA,EAAE,OAAO,CAAC,SAAS,+BAA+B,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAsBA,EAAE,KAAK,CAAC,SAAS,olBAA+kB,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeI,EAAuBN,EAAIC,EAAS,CAAC,SAAS,CAAcC,EAAE,IAAI,CAAC,SAAS,gnBAAsmB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,+NAA+N,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,geAA4c,CAAC,EAAeF,EAAE,IAAI,CAAC,SAAS,CAAcE,EAAE,OAAO,CAAC,SAAS,2IAA2I,CAAC,EAAeA,EAAEC,EAAE,CAAC,KAAK,kKAAkK,aAAa,GAAG,aAAa,GAAG,SAAsBD,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,sBAAsB,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,OAAO,CAAC,SAAS,mBAAmB,CAAC,EAAE,UAAuBA,EAAE,OAAO,CAAC,SAAS,WAAW,CAAC,EAAE,GAAG,CAAC,CAAC,EAAeF,EAAE,IAAI,CAAC,SAAS,CAAcE,EAAE,OAAO,CAAC,SAAS,2BAA2B,CAAC,EAAE,GAAG,CAAC,CAAC,EAAeF,EAAE,IAAI,CAAC,SAAS,CAAcE,EAAE,OAAO,CAAC,SAAS,+IAA+I,CAAC,EAAE,GAAG,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,KAAK,CAAC,UAAU,gBAAgB,CAAC,CAAC,CAAC,EAAeF,EAAE,IAAI,CAAC,SAAS,CAAcA,EAAE,OAAO,CAAC,SAAS,CAAC,8MAAiNE,EAAE,SAAS,CAAC,SAAS,2BAA2B,CAAC,EAAE,uCAAoDA,EAAE,SAAS,CAAC,SAAS,GAAG,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,SAAS,CAAC,SAAS,IAAI,CAAC,EAAeA,EAAE,OAAO,CAAC,SAAsBA,EAAE,SAAS,CAAC,SAAS,KAAK,CAAC,CAAC,CAAC,EAAeA,EAAE,SAAS,CAAC,SAAS,IAAI,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,wVAAwV,CAAC,CAAC,CAAC,EAAeF,EAAE,IAAI,CAAC,SAAS,CAAcE,EAAE,OAAO,CAAC,SAAS,+IAAqI,CAAC,EAAE,cAA2BA,EAAE,OAAO,CAAC,SAAS,qNAAqN,CAAC,EAAE,IAAI,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,mUAAmU,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeK,EAAuBP,EAAIC,EAAS,CAAC,SAAS,CAAcC,EAAE,IAAI,CAAC,SAAsBA,EAAE,KAAK,CAAC,SAAS,4YAA4Y,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,qYAAqY,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,4BAA4B,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,MAAM,CAAC,qBAAqB,MAAM,EAAE,SAAS,wKAAwK,CAAC,CAAC,CAAC,EAAeF,EAAE,KAAK,CAAC,SAAS,CAAcE,EAAE,KAAK,CAAC,kBAAkB,IAAI,MAAM,CAAC,uBAAuB,QAAQ,EAAE,SAAsBA,EAAE,IAAI,CAAC,SAAsBF,EAAE,OAAO,CAAC,MAAM,CAAC,qBAAqB,MAAM,EAAE,SAAS,CAAC,IAAiBE,EAAE,SAAS,CAAC,SAAS,gCAAgC,CAAC,EAAE,8QAAyQ,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,MAAM,CAAC,uBAAuB,QAAQ,EAAE,SAAsBA,EAAE,IAAI,CAAC,SAAsBF,EAAE,OAAO,CAAC,MAAM,CAAC,qBAAqB,MAAM,EAAE,SAAS,CAAC,IAAiBE,EAAE,SAAS,CAAC,SAAS,yBAAyB,CAAC,EAAE,6KAA6K,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,MAAM,CAAC,uBAAuB,QAAQ,EAAE,SAAsBA,EAAE,IAAI,CAAC,SAAsBF,EAAE,OAAO,CAAC,MAAM,CAAC,qBAAqB,MAAM,EAAE,SAAS,CAAC,IAAiBE,EAAE,SAAS,CAAC,SAAS,2BAA2B,CAAC,EAAE,6MAA6M,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,MAAM,CAAC,uBAAuB,QAAQ,EAAE,SAAsBA,EAAE,IAAI,CAAC,SAAsBF,EAAE,OAAO,CAAC,MAAM,CAAC,qBAAqB,MAAM,EAAE,SAAS,CAAC,IAAiBE,EAAE,SAAS,CAAC,SAAS,+BAA+B,CAAC,EAAE,wPAAyP,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,+CAA+C,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,MAAM,CAAC,qBAAqB,MAAM,EAAE,SAAS,yVAAyV,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,0CAA0C,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,MAAM,CAAC,qBAAqB,MAAM,EAAE,SAAS,6NAAwN,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,oCAAoC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,MAAM,CAAC,qBAAqB,MAAM,EAAE,SAAS,mSAAmS,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,yBAAyB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,MAAM,CAAC,qBAAqB,MAAM,EAAE,SAAS,gUAAgU,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,oCAAoC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,MAAM,CAAC,qBAAqB,MAAM,EAAE,SAAS,4WAA4W,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,0BAA0B,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,MAAM,CAAC,qBAAqB,MAAM,EAAE,SAAS,8FAA8F,CAAC,CAAC,CAAC,EAAeF,EAAE,KAAK,CAAC,SAAS,CAAcE,EAAE,KAAK,CAAC,kBAAkB,IAAI,MAAM,CAAC,uBAAuB,QAAQ,EAAE,SAAsBA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,MAAM,CAAC,qBAAqB,MAAM,EAAE,SAAS,mGAAmG,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,MAAM,CAAC,uBAAuB,QAAQ,EAAE,SAAsBA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,MAAM,CAAC,qBAAqB,MAAM,EAAE,SAAS,2JAA2J,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,MAAM,CAAC,uBAAuB,QAAQ,EAAE,SAAsBA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,MAAM,CAAC,qBAAqB,MAAM,EAAE,SAAS,wIAAwI,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBF,EAAE,OAAO,CAAC,MAAM,CAAC,qBAAqB,MAAM,EAAE,SAAS,CAAC,gbAAwbE,EAAE,KAAK,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,KAAK,CAAC,UAAU,gBAAgB,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeM,EAAuBR,EAAIC,EAAS,CAAC,SAAS,CAAcC,EAAE,IAAI,CAAC,SAAS,qWAAqW,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAEC,EAAE,CAAC,KAAK,8DAA8D,aAAa,GAAG,aAAa,GAAG,SAAsBD,EAAE,IAAI,CAAC,SAAsBA,EAAE,SAAS,CAAC,SAAS,eAAe,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,kfAAkf,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,uZAAuZ,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,0aAA0a,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,uaAAua,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,oEAAoE,CAAC,CAAC,CAAC,CAAC,EAAeO,EAAuBT,EAAIC,EAAS,CAAC,SAAS,CAAcC,EAAE,IAAI,CAAC,SAAS,8HAAyH,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,KAAK,CAAC,SAAS,uCAAuC,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,KAAK,CAAC,SAAS,qGAAqG,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,wHAAwH,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,+CAA0C,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,iQAAiQ,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,4DAAkD,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,yVAA0U,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,qDAA2C,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,sNAAsN,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,6FAAmF,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,oPAA+O,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,sFAA4E,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,sOAAsO,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,yYAAyY,CAAC,CAAC,CAAC,CAAC,EAAeQ,EAAuBV,EAAIC,EAAS,CAAC,SAAS,CAAcC,EAAE,IAAI,CAAC,SAAS,+OAA0O,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,4YAA4Y,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,oeAAoe,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,wdAAmd,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,6fAA6f,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,gXAAgX,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,gIAAgI,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,0CAA0C,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,2VAAsV,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,uBAAuB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,0RAA0R,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,wBAAwB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,2WAAsW,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,4DAA4D,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,yeAAoe,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,uBAAuB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,6SAA6S,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,KAAK,CAAC,UAAU,gBAAgB,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,sCAAsC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,4lBAA4lB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,sdAAsd,CAAC,EAAeF,EAAE,IAAI,CAAC,SAAS,CAAC,UAAuBE,EAAE,KAAK,CAAC,SAAS,4TAA4T,CAAC,EAAE,IAAI,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeS,EAAuBX,EAAIC,EAAS,CAAC,SAAS,CAAcC,EAAE,IAAI,CAAC,SAAS,wmBAAwmB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,iSAAuR,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,oEAAoE,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,onCAA0mC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,yhBAAohB,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,oCAAoC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,mmBAAmmB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,8cAA8c,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,skBAA6iB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,sfAAue,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,iDAA4C,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,6YAAwY,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,2WAA2W,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,0lBAAskB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,2XAA2X,CAAC,CAAC,CAAC,CAAC,EAAeU,EAAuBZ,EAAIC,EAAS,CAAC,SAAS,CAAcC,EAAE,IAAI,CAAC,SAAS,sHAAsH,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,yFAAyF,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,8NAA8N,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,oEAAoE,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,6KAA6K,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,+DAA+D,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,2NAA2N,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,yFAAoF,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,yOAAyO,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,8EAA8E,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,sPAAsP,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,mEAAmE,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,0KAA0K,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,qDAAqD,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,6JAA6J,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,sEAAsE,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,oLAAoL,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,oFAAoF,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,yMAAyM,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,6EAA6E,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,kNAAkN,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,qNAAqN,CAAC,CAAC,CAAC,CAAC,EAAeW,EAAwBb,EAAIC,EAAS,CAAC,SAAS,CAAcC,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,MAAM,CAAC,qBAAqB,MAAM,EAAE,SAAS,iVAAiV,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,MAAM,CAAC,qBAAqB,MAAM,EAAE,SAAS,qUAAqU,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,MAAM,CAAC,qBAAqB,MAAM,EAAE,SAAS,wSAAwS,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,wDAAwD,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,8IAA8I,CAAC,EAAeF,EAAE,KAAK,CAAC,SAAS,CAAcE,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,sQAAsQ,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,4PAA4P,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,gTAAgT,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,2RAA2R,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,8NAA8N,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,oDAAoD,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,oGAAoG,CAAC,EAAeF,EAAE,KAAK,CAAC,SAAS,CAAcE,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,sQAAsQ,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,iRAAiR,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,oRAAoR,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,wYAAwY,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,8OAA8O,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,gDAAgD,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,6GAA6G,CAAC,EAAeF,EAAE,KAAK,CAAC,SAAS,CAAcE,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,0JAA0J,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,qOAAqO,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,kPAAkP,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,4DAA4D,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,0MAA0M,CAAC,EAAeF,EAAE,KAAK,CAAC,SAAS,CAAcE,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,sBAAsB,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,4BAA4B,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,mBAAmB,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,8CAA8C,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,4BAA4B,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,iDAAiD,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,0BAA0B,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,uCAAuC,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,sTAAsT,CAAC,EAAeF,EAAE,IAAI,CAAC,SAAS,CAAC,mDAAgEE,EAAEC,EAAE,CAAC,KAAK,kCAAkC,aAAa,GAAG,aAAa,GAAG,SAAsBD,EAAE,IAAI,CAAC,SAAS,kCAAkC,CAAC,CAAC,CAAC,EAAE,iKAAiK,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,KAAK,CAAC,SAAS,6dAA6d,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,4BAA4B,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,sEAAsE,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,+cAA+c,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,kDAAkD,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,wXAAwX,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,oCAAoC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,+VAA+V,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,wDAAwD,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,8QAA8Q,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,yEAAyE,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,0RAA0R,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,qDAAqD,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,mbAAmb,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,iFAAiF,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,qnBAAqnB,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,2EAA2E,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,scAAsc,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,oOAAoO,CAAC,CAAC,CAAC,CAAC,EAAeY,EAAwBd,EAAIC,EAAS,CAAC,SAAS,CAAcC,EAAE,IAAI,CAAC,SAAS,yKAAyK,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,wIAA0I,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,WAAW,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,0mBAA0mB,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,mHAAmH,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,WAAW,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,6jBAA6jB,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,4GAAwG,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,WAAW,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,snBAAsnB,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,oGAAqG,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,WAAW,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,ysBAAysB,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,qHAAuH,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,WAAW,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,upBAAupB,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,qFAA2E,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,WAAW,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,qnBAAqnB,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,6DAAyD,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,WAAW,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,qnBAAqnB,CAAC,CAAC,CAAC,CAAC,EAAea,EAAwBf,EAAIC,EAAS,CAAC,SAAS,CAAcC,EAAE,IAAI,CAAC,SAAS,mbAAmb,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,gQAAgQ,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,ueAAue,CAAC,CAAC,CAAC,CAAC,EAAec,EAAwBhB,EAAIC,EAAS,CAAC,SAAS,CAAcD,EAAE,IAAI,CAAC,SAAS,CAAcE,EAAE,OAAO,CAAC,SAAS,6SAA6S,CAAC,EAAE,aAA0BA,EAAE,OAAO,CAAC,SAAS,QAAQ,CAAC,EAAE,eAA4BA,EAAE,OAAO,CAAC,SAAS,gGAAgG,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,kBAAkB,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,iVAAiV,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,wBAAwB,CAAC,EAAeF,EAAE,IAAI,CAAC,SAAS,CAAcE,EAAE,OAAO,CAAC,SAAS,qMAAqM,CAAC,EAAeA,EAAEC,EAAE,CAAC,KAAK,sEAAsE,aAAa,GAAG,aAAa,GAAG,SAAsBD,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,kCAAkC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,OAAO,CAAC,SAAS,uDAAuD,CAAC,CAAC,CAAC,CAAC,EAAeF,EAAE,IAAI,CAAC,SAAS,CAAcE,EAAE,OAAO,CAAC,SAAS,6CAA6C,CAAC,EAAeA,EAAEC,EAAE,CAAC,KAAK,gFAAgF,aAAa,GAAG,aAAa,GAAG,SAAsBD,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,wBAAwB,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,OAAO,CAAC,SAAS,+PAA+P,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,sBAAsB,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,wPAAwP,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,wBAAwB,CAAC,CAAC,CAAC,EAAeF,EAAE,IAAI,CAAC,SAAS,CAAcE,EAAE,OAAO,CAAC,SAAS,+LAA+L,CAAC,EAAE,IAAiBA,EAAE,OAAO,CAAC,SAAS,gQAAgQ,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,mDAAmD,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,uVAAuV,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,0CAA0C,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,0bAA0b,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAee,EAAwBjB,EAAIC,EAAS,CAAC,SAAS,CAAcC,EAAE,IAAI,CAAC,SAAsBA,EAAE,KAAK,CAAC,SAAS,kEAAkE,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,cAAc,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,sTAAsT,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,gBAAgB,CAAC,EAAeF,EAAE,KAAK,CAAC,SAAS,CAAcE,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,oEAAoE,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,uEAAuE,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,+DAA+D,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,iDAAiD,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,wBAAwB,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,uBAAuB,CAAC,EAAeF,EAAE,KAAK,CAAC,SAAS,CAAcE,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBF,EAAE,IAAI,CAAC,SAAS,CAAcE,EAAE,SAAS,CAAC,SAAS,sBAAsB,CAAC,EAAE,4DAA4D,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBF,EAAE,IAAI,CAAC,SAAS,CAAcE,EAAE,SAAS,CAAC,SAAS,uBAAuB,CAAC,EAAE,2EAA2E,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBF,EAAE,IAAI,CAAC,SAAS,CAAcE,EAAE,SAAS,CAAC,SAAS,0BAA0B,CAAC,EAAE,0CAA0C,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,sJAAsJ,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,mCAAmC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,uGAAuG,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,6BAA6B,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,2CAA2C,CAAC,EAAeF,EAAE,KAAK,CAAC,SAAS,CAAcE,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,kCAAkC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,0BAA0B,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,oEAAoE,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,0DAA0D,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,2DAA2D,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,sCAAsC,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,aAAa,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,2NAA2N,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,qBAAqB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,sCAAsC,CAAC,EAAeF,EAAE,KAAK,CAAC,SAAS,CAAcE,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,+BAA+B,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,iDAAiD,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,wDAAwD,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,qFAAqF,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,mBAAmB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,qPAAqP,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,cAAc,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,kLAAkL,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,gBAAgB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,gMAAgM,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,oBAAoB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,sDAAsD,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,8BAA8B,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,yHAAyH,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,aAAa,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,0EAA0E,CAAC,EAAeF,EAAE,KAAK,CAAC,SAAS,CAAcE,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,qBAAqB,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,yBAAyB,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,uBAAuB,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,sCAAsC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,kBAAkB,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,wBAAwB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,sFAAsF,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,oBAAoB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,kNAAkN,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,yBAAyB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,0GAA0G,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,YAAY,CAAC,EAAeF,EAAE,IAAI,CAAC,SAAS,CAAC,wFAAqGE,EAAEC,EAAE,CAAC,KAAK,CAAC,UAAU,WAAW,EAAE,aAAa,GAAG,aAAa,GAAG,SAAsBD,EAAE,IAAI,CAAC,SAAS,aAAa,CAAC,CAAC,CAAC,EAAE,GAAG,CAAC,CAAC,CAAC,CAAC,CAAC,EAAegB,EAAwBlB,EAAIC,EAAS,CAAC,SAAS,CAAcC,EAAE,IAAI,CAAC,SAAS,sBAAsB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,2BAA2B,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,cAAc,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,kSAAkS,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,gBAAgB,CAAC,EAAeF,EAAE,KAAK,CAAC,SAAS,CAAcE,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,uDAAuD,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,4DAA4D,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,gEAAgE,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,kBAAkB,IAAI,SAAsBA,EAAE,IAAI,CAAC,SAAS,iEAAiE,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,oBAAoB,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,6BAA6B,CAAC,EAAeF,EAAE,IAAI,CAAC,SAAS,CAAC,sMAAmNE,EAAE,SAAS,CAAC,SAAS,MAAM,CAAC,EAAE,gJAAgJ,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,4BAA4B,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,2PAA2P,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,sBAAsB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,oRAAoR,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,SAAS,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,wNAAwN,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,yBAAyB,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,wBAAwB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,gPAAgP,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,qBAAqB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,8JAA8J,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,8BAA8B,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,+HAA+H,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,0BAA0B,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,oLAAoL,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,wCAAwC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,0IAA0I,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,gCAAgC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,+MAA+M,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,4BAA4B,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,0KAA0K,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,+BAA+B,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,2LAA2L,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,qCAAqC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,0cAA0c,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,mBAAmB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,+IAA+I,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,qBAAqB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,kFAAkF,CAAC,CAAC,CAAC,CAAC,EAAeiB,EAAwBnB,EAAIC,EAAS,CAAC,SAAS,CAAcC,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,6XAA6X,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,2CAA2C,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,8XAA8X,CAAC,CAAC,CAAC,EAAeF,EAAE,KAAK,CAAC,SAAS,CAAcE,EAAE,OAAO,CAAC,SAAS,0BAA0B,CAAC,EAAE,IAAiBA,EAAE,OAAO,CAAC,SAAS,qBAAqB,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,sdAAsd,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,yCAAyC,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,mWAAmW,CAAC,CAAC,CAAC,EAAeF,EAAE,KAAK,CAAC,SAAS,CAAcE,EAAE,OAAO,CAAC,SAAS,UAAU,CAAC,EAAE,IAAiBA,EAAE,OAAO,CAAC,SAAS,qCAAqC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,+WAA+W,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAekB,EAAwBpB,EAAIC,EAAS,CAAC,SAAS,CAAcC,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,0JAA0J,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,gBAAgB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,4aAA4a,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,eAAe,CAAC,CAAC,CAAC,EAAeF,EAAE,IAAI,CAAC,SAAS,CAAcE,EAAE,OAAO,CAAC,SAAS,gPAAgP,CAAC,EAAE,IAAiBA,EAAE,OAAO,CAAC,SAAS,kCAAkC,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,cAAc,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,iZAAiZ,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,WAAW,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,gQAAgQ,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,gBAAgB,CAAC,CAAC,CAAC,EAAeF,EAAE,IAAI,CAAC,SAAS,CAAC,yCAAiDE,EAAE,OAAO,CAAC,SAAS,2XAA2X,CAAC,CAAC,CAAC,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,aAAa,CAAC,CAAC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAsBA,EAAE,OAAO,CAAC,SAAS,iUAAiU,CAAC,CAAC,CAAC,CAAC,CAAC,CAAC,EAAemB,EAAwBrB,EAAIC,EAAS,CAAC,SAAS,CAAcC,EAAE,IAAI,CAAC,SAAS,gNAAgN,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,uBAAuB,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,mUAAmU,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,sCAAsC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,mcAAmc,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,oCAAoC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,0TAA0T,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,kCAAkC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,mVAAmV,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,kCAAkC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,oTAAoT,CAAC,EAAeA,EAAE,KAAK,CAAC,SAAS,qCAAqC,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,4MAA4M,CAAC,EAAeA,EAAE,IAAI,CAAC,SAAS,kfAAkf,CAAC,CAAC,CAAC,CAAC,EAChnoGoB,EAAqB,CAAC,QAAU,CAAC,UAAY,CAAC,KAAO,WAAW,YAAc,CAAC,sBAAwB,GAAG,CAAC,EAAE,WAAa,CAAC,KAAO,WAAW,YAAc,CAAC,sBAAwB,GAAG,CAAC,EAAE,UAAY,CAAC,KAAO,WAAW,YAAc,CAAC,sBAAwB,GAAG,CAAC,EAAE,WAAa,CAAC,KAAO,WAAW,YAAc,CAAC,sBAAwB,GAAG,CAAC,EAAE,WAAa,CAAC,KAAO,WAAW,YAAc,CAAC,sBAAwB,GAAG,CAAC,EAAE,WAAa,CAAC,KAAO,WAAW,YAAc,CAAC,sBAAwB,GAAG,CAAC,EAAE,WAAa,CAAC,KAAO,WAAW,YAAc,CAAC,sBAAwB,GAAG,CAAC,EAAE,SAAW,CAAC,KAAO,WAAW,YAAc,CAAC,sBAAwB,GAAG,CAAC,EAAE,UAAY,CAAC,KAAO,WAAW,YAAc,CAAC,sBAAwB,GAAG,CAAC,EAAE,UAAY,CAAC,KAAO,WAAW,YAAc,CAAC,sBAAwB,GAAG,CAAC,EAAE,WAAa,CAAC,KAAO,WAAW,YAAc,CAAC,sBAAwB,GAAG,CAAC,EAAE,UAAY,CAAC,KAAO,WAAW,YAAc,CAAC,sBAAwB,GAAG,CAAC,EAAE,WAAa,CAAC,KAAO,WAAW,YAAc,CAAC,sBAAwB,GAAG,CAAC,EAAE,WAAa,CAAC,KAAO,WAAW,YAAc,CAAC,sBAAwB,GAAG,CAAC,EAAE,WAAa,CAAC,KAAO,WAAW,YAAc,CAAC,sBAAwB,GAAG,CAAC,EAAE,UAAY,CAAC,KAAO,WAAW,YAAc,CAAC,sBAAwB,GAAG,CAAC,EAAE,UAAY,CAAC,KAAO,WAAW,YAAc,CAAC,sBAAwB,GAAG,CAAC,EAAE,UAAY,CAAC,KAAO,WAAW,YAAc,CAAC,sBAAwB,GAAG,CAAC,EAAE,UAAY,CAAC,KAAO,WAAW,YAAc,CAAC,sBAAwB,GAAG,CAAC,EAAE,mBAAqB,CAAC,KAAO,UAAU,CAAC,CAAC",
  "names": ["richText", "u", "x", "p", "Link", "richText1", "richText2", "richText3", "richText4", "richText5", "richText6", "richText7", "richText8", "richText9", "richText10", "richText11", "richText12", "richText13", "richText14", "richText15", "richText16", "richText17", "richText18", "__FramerMetadata__"]
}