News

[ad_1] Malaysia's Q1 GDP grows faster than expected on recovering demand [ad_2] Source link

[ad_1] Consumer Price Index (CPI) inflation in April accelerated to the highest level in eight years, higher than analyst expectations, driven by higher prices of essential food items (such as cereals, fruits, and milk) and motor and cooking fuel. Analysts said this indicates the spectre of a generalisation of inflationary pressures which has seeped into everyday needs, adding that inflation is expected to remain above RBI’s upper limit threshold of 6 per cent for the most part of this year. Experts expect the latest reading to put pressure on the Reserve Bank of India to further raise rates as much as 50 basis points (bps) in the upcoming June monetary policy (MPC) meeting. ‘Inflation may remain above RBI’s target band for three quarters marking first official ‘failure’ of monetary framework’: Rahul Bajoria, Chief India Economist, Barclays. “Rising price pressures remain a cause of concern, and are likely to reduce the space available for policy support. Our calculations suggest that inflation could remain above the RBI’s target band for three consecutive quarters (Q1-Q3 2022), marking the first official ‘failure’ of the monetary framework. Today’s upside surprise in inflation also sets up the RBI to undertake another inflation forecast revision, a factor which could have prompted the MPC’s inter meeting rate hike undertaken in early May,” Rahul Bajoria, Chief India Economist, Barclays said. “We expect the RBI to follow up with at least one 50 bps rate hike starting with the June policy meeting, and then slow the cycle in August to 25 bps hike. We see the RBI raising policy rates to 5.15% by August, and expect it to reassess macroeconomic momentum to gauge the need for further hikes beyond that,” Bajoria added. ‘Triple whammy of commodity-price shocks, supply-chain shocks and resilient growth’: Madhavi Arora, Lead Economist, Emkay Global Financial Services “The inflation shocker in May attributes to broad-based segmented gains in food, energy and core,” Madhavi Arora, Lead Economist, Emkay Global Financial Services said. “Overall rising price pressures remain a cause of concern, and are likely to pressure MPC further. The triple whammy of commodity-price shocks, supply-chain shocks and resilient growth, has shifted the reaction function in favour of inflation containment. The RBI no longer thinks the output sacrifice required to tame somewhat supply-driven inflation can be so high on net. The RBI’s reaction function is now evolving with fluid macro realities.” “We see June’s policy to be super-live, and the MPC may front-load rates by another 25bps-40bps. The terminal rate may be around or a tad higher than 5.50 per cent, with the RBI now showing its intent to keep real rates neutral or above,” Arora said. ‘Do not expect inflation to go below 6 per cent this year’: Suvodeep Rakshit, Senior Economist, Kotak Institutional Equities “April headline inflation print is likely to be the peak for the year. However, we do not expect inflation to go below 6 per cent for the rest of the year with prints over next few months remaining around 7-7.5 per cent. Over the next few months we should be focusing on movement in edible oils, crude prices and fuel price hikes, kharif MSP announcement, and pass-through of input prices by the companies to glean on the inflation trajectory,” Suvodeep Rakshit, Senior Economist, Kotak Institutional Equities said. “On the monetary policy front, we expect the RBI to hike repo rate by 35-40 bps along with 50 bps hike in CRR. In CY2022, from hereon, we expect repo rate hikes of 90-110 bps along with 50 bps of CRR hike. The RBI would aim to reduce liquidity along with reverting to above 5.15 per cent level of repo rate as soon as possible,” Rakshit added. ‘95-month high CPI inflation justified RBI’s off cycle rate hike’ : Aditi Nayar, Chief Economist, ICRA Limited “The surge in the CPI inflation has clearly justified the off cycle rate hike last week, and significantly raised the likelihood of a back-to-back rate increase in June 2022. We see a higher base softening the May 2022 CPI inflation print, although it will remain above 6.5 per cent,” Aditi Nayar, Chief Economist, ICRA Limited said. “We now foresee a high likelihood that the MPC will raise the repo rate by 40 bps and 35 bps, respectively, over the next two policies to 5.15 per cent, followed by a pause to assess the impact of growth. As of now, we continue to see the terminal rate at 5.5 per cent by the middle of 2023,” Nayar added. “The sequential rise in the retail prices of several food items in the early part of May 2022 is likely to keep the food inflation elevated in the month, although a high base may soften the YoY inflation reading from April 2022 highs,” Nayar said. [ad_2] Source link

[ad_1] You might be wondering if $2 million dollars worth of life insurance is too much. Well, it could be. But if you are trying to protect a large estate and need a sizable lump sum to cover funeral expenses, estate taxes, and other expenses in the case of your eventual death, then you understand that importance and cost is not an issue. The Cost of Such a Policy The concept of a $2 million life insurance policy might seem unaffordable. And this might be the case if you have serious health conditions – what life insurance companies would consider “high risk”. But if you identified a clear need for this type of life insurance coverage, you owe it to yourself and your family to at least explore all your options. This, of course, comes with the benefit of knowing your family is secure in the event something unfortunate happens. Larger plans worth more will cover greater expenses, but have greater monthly policy costs in exchange. To be clear, you can expect to pay anywhere between $105 and $223 dollars for your insurance policy. How Much Life Insurance Do You Need? You should plan ahead when considering such a serious decision, though plans for policies up to two million dollars can be purchased under the right conditions. The monthly cost for this type of policy will likely be at least several hundred dollars a month, so budget wisely. If you compare different life insurance companies, you will likely find a rate you can afford each month. Doing this will allow you to get offers from several providers so you do not end up paying more than you should. #ap23650-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Lato,Arial,sans-serif}#ap23650-ww #ap23650-ww-indicator{text-align:right}#ap23650-ww #ap23650-ww-indicator-wrapper{display:inline-flex;align-items:center;justify-content:flex-end}#ap23650-ww #ap23650-ww-indicator-wrapper:hover #ap23650-ww-text{display:block}#ap23650-ww #ap23650-ww-indicator-wrapper:hover #ap23650-ww-label{display:none}#ap23650-ww #ap23650-ww-text{margin:auto 3px auto auto}#ap23650-ww #ap23650-ww-label{margin-left:4px;margin-right:3px}#ap23650-ww #ap23650-ww-icon{margin:auto;padding:1px;display:inline-block;width:15px;height:15px;min-width:15px;min-height:15px;cursor:pointer}#ap23650-ww #ap23650-ww-icon img{vertical-align:middle;width:15px;height:15px;min-width:15px;min-height:15px}#ap23650-ww #ap23650-ww-text-bottom{margin:5px}#ap23650-ww #ap23650-ww-text{display:none}#ap23650-ww #ap23650-ww-icon img{text-indent:-9999px;color:transparent} Ads by Money. We may be compensated if you click this ad.Ad #ap23650-w-map{max-width:600px;padding:20px 0 10px;margin:0 auto;text-align:center;font-family:”Lato”, Arial, Roboto, sans-serif}#ap23650-w-map #ap23650-w-map-title{color:#212529;font-size:18px;font-weight:700;line-height:27px}#ap23650-w-map #ap23650-w-map-subtitle{color:#9b9b9b;font-size:16px;font-style:italic;line-height:24px}#ap23650-w-map #ap23650-w-disclosure{margin-top:10px;font-size:12px;color:#9b9b9b}#ap23650-w-map #ap23650-w-map-map{max-width:98%;width:100%;height:0;padding-bottom:65%;margin-bottom:20px;position:relative}#ap23650-w-map #ap23650-w-map-map svg{position:absolute;left:0;top:0}#ap23650-w-map #ap23650-w-map-map svg path{fill:#e3efff;stroke:#9b9b9b;pointer-events:all;transition:fill 0.6s ease-in, stroke 0.6s ease-in, stroke-width 0.6s ease-in}#ap23650-w-map #ap23650-w-map-map svg path:hover{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9;cursor:pointer}#ap23650-w-map #ap23650-w-map-map svg g rect{fill:#e3efff;stroke:#9b9b9b;pointer-events:all;transition:fill 0.6s ease-in, stroke 0.6s ease-in, stroke-width 0.6s ease-in}#ap23650-w-map #ap23650-w-map-map svg g text{fill:#000;text-anchor:middle;font:10px Arial;transition:fill 0.6s ease-in}#ap23650-w-map #ap23650-w-map-map svg g .ap00646-w-map-state{display:none}#ap23650-w-map #ap23650-w-map-map svg g .ap00646-w-map-state rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap23650-w-map #ap23650-w-map-map svg g .ap00646-w-map-state text{fill:#fff;font:19px Arial;font-weight:bold}#ap23650-w-map #ap23650-w-map-map svg g:hover{cursor:pointer}#ap23650-w-map #ap23650-w-map-map svg g:hover rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap23650-w-map #ap23650-w-map-map svg g:hover text{fill:#fff}#ap23650-w-map #ap23650-w-map-map svg g:hover .ap00646-w-map-state{display:initial}#ap23650-w-map #ap23650-w-map-btn{padding:9px 41px;display:inline-block;color:#fff;font-size:16px;line-height:1.25;text-decoration:none;background-color:#1261c9;border-radius:2px}#ap23650-w-map #ap23650-w-map-btn:hover{color:#fff;background-color:#508fc9} With a Life Insurance policy you can take care of your family the right way. Should anything happen to you, you'll want to leave your loved ones a financial nest egg for their wellbeing. Click on your state to find out more. HawaiiAlaskaFloridaSouth CarolinaGeorgiaAlabamaNorth CarolinaTennesseeRIRhode IslandCTConnecticutMAMassachusettsMaineNHNew HampshireVTVermontNew YorkNJNew JerseyDEDelawareMDMarylandWest VirginiaOhioMichiganArizonaNevadaUtahColoradoNew MexicoSouth DakotaIowaIndianaIllinoisMinnesotaWisconsinMissouriLouisianaVirginiaDCWashington DCIdahoCaliforniaNorth DakotaWashingtonOregonMontanaWyomingNebraskaKansasOklahomaPennsylvaniaKentuckyMississippiArkansasTexas See An Estimate Consulting with your family prior to making any serious purchasing decisions should allow you the chance to explain what will happen in the event this policy is acted upon. It is an unfortunate situation when they need to be turned in, but it can happen so discuss everything with the people you care about. The rate you pay now will ensure your loved ones are protected, so you and the individuals close to you have the peace of mind you truly desire. Sample Rates for a $2 Million Dollar Term Policy How much your $2 million dollar policy will cost will depend on a variety of factors such as age, health, term, and the company you choose. Below are some sample rates of 20-year term policies for both men and women. $2 million term life rates for men Sex Age $2,000,000 20 year Term Male 30 $66.12/mo Male 40 $104.40/mo Male 50 $299.28/mo Male 60 $846.90/mo Male 70 $3,191.13/mo $2 million term life rates for women Sex Age $2,000,000 20 year Term Female 30 $55.68/mo Female 40 $88.74/mo Female 50 $216.27/mo Female 60 $577.61/mo Female 70 $2,093.44 The above figures should give you an approximate range of how term premiums can increase by age and also by gender. I was curious to see how much a $2 million policy cost for a male in good health and decided to use one of our partners, Policy Genius, as my guinea pig. Once you click on their link, you’ll be taken to this page: Insurance partner with GFC You’ll then go through several prompts that ask you key questions to determine what your goals are by purchasing such a large insurance policy. Don’t rush through these questions. It’s important for them – and you! – so you know you’re getting exactly what you need. After answering all the discovery questions, I was able to get an approximate cost for a $2 million policy. $2 Million Term Policy – Annual Premium Once again I entered information for a 40-year-old male in good health and you can quickly see a few things: Policy Genius offers up to $10 million of life insurance – that’s a lot! You can choose a shorter term of only 10 years. You can also choose a 35-year term policy. The big takeaway here is you have options! But if you can’t afford the annual premiums you can also choose monthly pay as I show here: Cost of $2 Million Term Policy – Monthly Premium So if you’re a 40-year-old male and are curious how much a 20-year $2 million term life insurance policy costs you can assume it will be somewhere in the range of $92-$197. Customize Your Life Insurance Plan Each plan can be customized to the individual who obtains it, so when talking with the people who end up issuing it to you make sure you fully understand the details. Sometimes there can be areas not entirely understood that if ignored may cause problems. The people you talk with about these plans can help you learn about the nuisances involved, such as your current health status, and even financial state. You will likely end up with a great plan if you do the research needed for the right life insurance policy. What is Covered Under a $2 Million Dollar Policy? For

[ad_1] 2022 NFL schedule: Analysis, Thanksgiving/Christmas matchups, Thursday/Monday games, more  CBS Sports 2022 NFL schedule – Predictions, analysis and revenge games for all 32 teams  ESPN Packers set to host Bears in primetime for 2022 home opener  Packers.com Analysis | The 15 can’t-miss games on the 2022 NFL schedule  The Washington Post Arizona Cardinals to host Kansas City Chiefs in 2022 season opener  Arizona Sports View Full Coverage on Google News [ad_2]

[ad_1] Looking for a swimsuit that provides more coverage? Be sure to check out this sale! If you are looking for a modest bathing suit, be sure to check out this hot sale on Maxine & More Swimwear where you can save up to 65% off! Plus, our readers will save an extra 15% off at checkout today only making for some really hot deals. There are lots of modest options in this sale in both women’s and plus sizes. Shipping starts at $6.99. But if you place one order today, the rest of your orders will ship for FREE through 11:59 p.m. PT tonight! [ad_2] Source link

[ad_1] Eleven dead after Haitian migrant vessel capsizes near Puerto Rico [ad_2] Source link

[ad_1] Retail inflation beat analysts’ expectations and surged to a 95-month high of 7.79% in April on a broad-based rise in price pressure across food, fuel and core segments, bolstering the chances of another round of aggressive rate hike by the central bank in June to break the back of inflation. Having refrained from an out-of-cycle revision of its inflation forecast earlier this month even as it hiked the repo rate by 40 basis points to 4.4%, the Reserve Bank of India (RBI) will now have to sharply raise its projection for the June quarter and for the full year (FY23) from the April projections of 6.3% and 5.7%, respectively. Inflation based on the consumer price index (CPI) breached the RBI’s medium-term target of 2-6% for a fourth straight month through April, driven substantially by global factors, mainly the rise in commodity prices and supply-chain disruptions in the wake of the Ukraine war. While some analysts feel inflation might have peaked in April, others say it might inch up further – even till September – , before starting to moderate. Estimates of average inflation in FY23 also vary widely between 6% to 7%. Most see an another 40 bps rate hike in the June monetary policy review, while the increase could even be half a percentage point. Importantly, rural inflation spiked to a 12-year high of 8.4% in April, while price pressure in urban areas is at an 18-month high of 7.1%, indicating that people at the bottom of the pyramid are facing the brunt of the price rise. Of course, a sequential price build-up has lately been more pronounced in urban areas. Core CPI inflation touched a 95-month high of 6.97%, having exceeded 5% for 24 consecutive months, according to an India Ratings estimate, while price pressure in food products, the dominant segment within the CPI with an almost 46% weight, has scaled a 17-month peak of 8.38%. Fuel and light inflation, too, remained high at 10.8%, against 7.5% in March. Given the recent spike in crude oil, coal & gas prices and rise in power tariffs – on top of the elevated prices of cooking oils that are mostly imported and the rupee depreciation – the surge in inflation is unlikely to recede meaningfully soon, although a conducive base from May could somewhat bridle the pace of inflation, analysts said. This could force the RBI to join some of its global peers in aggressively tightening the measures initiated in the wake of the pandemic to support growth. Food inflation exceeded the headline inflation for a second straight month in April. Barring pulses, key items in the food segment witnessed a significant rise in price pressure in April, as inflation in edible oils and fat surged by 17.28%, vegetables by 15.41% and spices 10.56%. Inflation in cereals and products hit a 21-month high and vegetables and spices scaled 17-month peaks. India Ratings principal economist Sunil Kumar Sinha said, “The second-round impact of higher fuel prices has started reflecting on other goods and services.” Inflation for miscellaneous goods and services jumped to a 115-month high of 8.03% in April, having recorded 23 consecutive months of an over 6% inflation. “We have been pointing out for a while that inflation in health services is turning structural, as it has remained in excess of 6% for last 16 months. Education inflation, although low, has touched a 23-month high of 4.12% in April,” Sinha pointed out. The elevated price pressure suggests firms have started passing on the rising input cost to consumers, albeit to a limited extent. Rising inflation, on top of a fragile industrial recovery (growth in the index of industrial production in March was just 1.9%) will compound the worries of policy-makers as they seek to soften the blow of the global oil price rise to the Indian economy as well as consumers. Aditi Nayar, chief economist at Icra, said: “We now foresee a high likelihood that the MPC will raise the repo rate by 40 bps and 35 bps, respectively, over the next two policies to 5.15%, followed by a pause to assess the impact of growth. As of now, we continue to see the terminal rate at 5.5% by the middle of 2023.” Much, however, depends on the persistence of the Russia-Ukraine conflict and consequent volatility in global oil and food prices. A 10% rise in crude oil prices, according to Nomura, typically leads to a 0.3-0.4 percentage point (pp) rise in headline inflation and shaves off about 0.20pp from GDP growth. RBI governor Shaktikanta Das last week warned of a “collateral risk” if inflation remains elevated at these levels for too long, as “it can de-anchor inflation expectations which, in turn, can become self-fulfilling and detrimental to growth and financial stability”. [ad_2] Source link

[ad_1] An ebullient market for mortgage-servicing rights (MSRs) helped to buoy the profitability of at least three major nonbank lenders that are publicly traded and abated losses for a fourth, based on their recently announced first-quarter financial results. Those lenders are UWM Holdings Corp., the parent of United Wholesale Mortgage; Rocket Companies Inc., the parent of Rocket Mortgage; Home Point Capital, the parent of Home Point Financial Corp. (Homepoint); and loanDepot — the only lender among the four to post a first-quarter 2022 loss. Each sold off a large cache of mortgage servicing rights (MSRs) during the first quarter of this year. In total, between Jan. 1 and April 1, 2022, the four lenders collectively brought in $1.86 billion in proceeds from those MSR sales — with UWM accounting for $871.8 million of that amount. In a rising-rate environment, loan prepayments ebb, as refinancing becomes less attractive. “This impacts origination volume negatively but provides for substantial pickup in value of MSR assets across all vintages,” explained Tom Piercy, managing director of Incenter Mortgage Advisors, which provides trading and advisory services for MSR offerings. That rising value, in turn, can make sales of MSRs a lucrative option for supplementing otherwise dour revenue streams. During the first quarter of 2022, UWM sold MSRs “on loans with an aggregate UPB [unpaid principal balance] of approximately $56.6 billion for proceeds of … $656.7 million,” UWM’s first-quarter 2022 10Q filing with the U.S. Securities and Exchange Commission (SEC) states. “Additionally, on March 31, 2022, [UWM] entered into an agreement to sell MSRs with an aggregate UPB of approximately $16.1 billion for proceeds of approximately $215.1 million. …The initial proceeds were not received until April 1, 2022.” Consequently, UWM recorded MSR sales of $656.7 million for Q1 2022, it’s SEC filing shows, with the $215.1 million in proceeds from the latter MSR sale expected to be reflected in UWM’s second-quarter results — offering the lender an earnings booster shot for that quarter. The lender’s SEC filing indicates that the related “MSR assets [from the second MSR sale] remained on the balance sheet as of March 31, 2022,” which is the end of UWM’s first quarter. UWM’s filing reflects no MSR sales for the first quarter of 2021.  For the first quarter of this year, the selling of MSRs did help to lift UWM’s fortunes. It recorded net income of $453.2 million on net revenue of $821.8 million for the quarter, which was marked by rapidly rising interest rates that cut into loan production, particularly refinancing, for most originators. By contrast, in the first quarter of 2021, UWM recorded net income of $860 million on net revenue of $1.19 billion. The sale of the MSRs did contribute to trimming UWM’s servicing-portfolio size a tad. “The unpaid principal balance of mortgage loans serviced approximated $303.4 billion and $319.8 billion at March 31, 2022, and December 31, 2021, respectively,” UWM’s SEC filing states.  Still, given the strong MSR market currently, the “fair value” of the lender’s MSR assets — the expected price the lender can command in the market for the assets — was up year over year, to $3.5 billion as of the end of the first quarter of 2022. That compares with $2.3 billion for the same period a year earlier. Homepoint’s parent company recorded net income of $11.9 million on net revenue of $158.2 million for the first quarter of 2022, compared with net income of $149 million on net revenue of $421.9 million for the same period in 2021. Homepoint’s bottom line also got a boost from the sale of MSRs during the first quarter of this year. “During the quarter, Homepoint completed sales of mortgage servicing rights portfolios of single-family mortgage loans for a total purchase price of approximately $434.5 million,” its SEC filing states. The value of the lender’s MSR portfolio decreased from $123.4 billion as of year-end 2021 to $102 billion as of the end of Q1 2022, the SEC filing indicates. However, the “fair value” of its MSR assets remained essentially flat over the period, even with the big selloff — $1.52 billion as of year-end 2021, compared with $1.49 billion as of the end of the first quarter of this year. “The MSR multiple [a measure of sales-price value] for the first quarter of 2022 of 5.6x increased from 3.8x in the first quarter of 2021 and 4.6x in the fourth quarter of 2021, primarily driven by slower prepayment speeds due to higher mortgage interest rates,” Homepoint’s financial filing with the SEC states. Homepoint reported that its mortgage servicing generated $83.2 million in the first quarter of this year, up from $64.8 million in the first quarter of 2021 and $74.4 million for the final quarter of 2021. The lender also announced that ServiceMac is expected to begin subservicing loans for Homepoint in the second quarter of this year. “Once ServiceMac begins subservicing loans for Homepoint, they will perform servicing functions on Homepoint’s behalf, but Homepoint will continue to hold the MSRs,” the lender’s SEC filing states. Rocket Companies SEC filing offers sparser detail on its MSR portfolio activity during the first quarter of this year, but it does reflect that the lender’s “proceeds from the sale of MSRs” during the period totaled some $254 million, up from $10.2 million in Q1 2021. Rocket recorded net income of $1 billion on net revenue of $2.7 billion for the first quarter of the year, compared with net income of $2.8 billion on revenue of $4.5 billion for the first quarter of 2021. Even with the MSR sale, it appears Rocket — like UWM and Homepoint — still retained a healthy MSR portfolio, powered by rising interest rates.  “The total UPB of mortgage loans serviced [by Rocket], excluding subserviced loans, at March 31, 2022, and December 31, 2021, was [$492.4 billion] and [$485.1 billion], respectively,” Rocket’s 10Q filing with the SEC states. “The portfolio primarily consists of high-quality performing agency and government (FHA and VA) loans.” As of March 31, 2021, the figure stood at $431.5 billion, the lender’s 10Q

[ad_1] Uncategorized Best credit cards in Canada for 2022 Searching for the perfect credit card? In under 60 seconds, CardFinder narrows down your top matches without impacting your credit score, no SIN required. Let's get started You will be leaving MoneySense. Just close the tab to return. Show other card types (+/-) Card Rewards / Features Annual fee MBNA True Line Gold (get more details)* Low 8.99% APR $39 Home Trust Secured (get more details)* Easy to get approved for Helps rebuild credit Deposit required $0 These are credit cards offered by Ratehub partners. You can find information about additional card options below. googletag.cmd.push(function() { // Creating all ad sizes var mapping = googletag.sizeMapping(). addSize([1024, 400], [[970, 90], [728, 90]]). addSize([980, 400], [728, 90]). addSize([0, 0], [[320, 50], [300, 50]]). // Fits browsers of any size smaller than 640 x 480 build(); var leaderboard = googletag.defineSlot(“/57452754/ms_nbu_leaderboard__en”, [[970, 90],[728, 90],[320,50], [300, 50]], “leaderboard-ad”) .addService(googletag.pubads()) .setTargeting(“page”, [“/uncategorized/test/”]) .setTargeting(“business_unit”, [“nbu”]) .setTargeting(“page_type”, [“”]) .setTargeting(“position”, [“”]) .setTargeting(“post_id”, [“0”]) .setTargeting(“Category”, [“”]) .setCollapseEmptyDiv(true); // Responsive ad sizes leaderboard.defineSizeMapping(mapping); googletag.pubads(); deployads.push(function() { deployads.gpt.display(“leaderboard-ad”); deployads.gpt.pubadsRefresh([leaderboard]); }); }); Canadas best credit cards in more detail By Eric Sun on  May 12, 2022 Finding the right credit card could save you hundreds, if not thousands, of dollars a year. Whether you’re looking for lower fees, more rewards or simply valuable perks like travel medical insurance or rental car savings, every dollar counts. If you use your credit card wisely, pay off your balance monthly and find the right rewards program for you, and you are sure to come out ahead. There’s a slew of credit card options out there, and it can be challenging to find the best deal—but this list of best credit cards in Canada is here to help. We’ve highlighted the best in 13 different categories so that you can zero in on the ones that fit your spending habits, and offer features you truly value. Remember, this “best credit cards” ranking is the starting point; the final decision is yours to make.  Find your next credit card See cards tailored for you from over 12 banks and card issuers* No impact to your credit score Get an answer in under 60 seconds Find my perfect card You will be leaving MoneySense. Just close the tab to return.   Best overall cashback credit card Scotia Momentum Visa Infinite* One of the first things you’ll notice about the Scotia Momentum Visa Infinite is its high earn rates in popular spending categories. You’ll get 4% cash back on groceries and recurring bills (like Netflix), 2% back on gas and transit (including Uber), and a 1% base rate for spends in all other categories. The included insurance covers your mobile device, car rental, and travel eventualities, and you’ll gain access to Visa Infinite perks like Concierge Service and Hotel Collection. If you’re looking for the most well-rounded and lucrative cash back card, our pick is the Scotia Momentum Visa Infinite. Annual fee: $120 (waived for first year) Interest rates: purchases 20.99%, cash advances 22.99%, balance transfers 22.99% Earn rate: 4% on gas and recurring bills; 2% on gas and daily transit; 1% on everything else Welcome offer: You can earn 10% cash back on all purchases for the first 3 months (up to $2,000) Income requirement: $60,000 or a minimum household income of $100,000 Additional benefits: Mobile device insurance, travel emergency medical and travel accident coverage, car rental damage/loss waiver, flight interruption and delayed and lost baggage insurance; and access to Visa Infinite experiences Get more details about the Scotiabank Momentum Visa Infinite Card* Go to Site Best rewards cards for everyday spending American Express Cobalt Card* With a high earn rate, a generous welcome bonus and easy-to-redeem points, the American Express Cobalt Card is our top pick as the best travel credit card for everyday spending. The points you earn can be used toward travel at a rate of 1,000 points for $10 for any flight on any airline with no blackout dates, or use them toward the American Express Fixed Points Travel program, which lets you unlock even better value on round-trip flights. If you prefer to use your rewards for accommodations, you can transfer your points to one of the American Express Hotel partners, including Marriott Bonvoy. Annual fee: $155.88 ($12.99 monthly) Interest rates: purchases 20.99%, cash advances 21.99% Earn rate: 5 points per $1 spent on dining out and groceries; 2 points per $1 spent on travel; 1 point per $1 spent on all other purchases Welcome offer: In the first year, you’ll earn 2,500 points when you spend $500 per month on eligible purchases—earning you up to 30,000 points. Income requirement: $12,000 Additional benefits: Travel insurance; American Express Invites Get more details about the American Express Cobalt Card* Best cash back cards  For simplicity: American Express SimplyCash Preferred* If you’re not a points hacker but still want returns in your back pocket, consider the Amex SimplyCash Preferred card which makes earning money on your everyday spending uncomplicated. With this card you’ll earn 2% on everything you charge, so there are no spending categories to keep track of. Plus, for new cardholders, there’s a promotional offer of 10% for the first four months when you could earn up to $400. At $99, the annual fee is moderate but that doesn’t mean the card has no perks. Travel and shop stress-free with included insurance, and be sure to take advantage of the shopping, dining and travel offers you get with American Express. Annual fee: $99 Interest rates: purchases 19.99%, cash advances 21.99% Welcome offer: 10% cash back for the first 4 months (up to $400 cash back) Earn rate: 2% cash back on everything you buy Income requirement: None specified Additional benefits: Travel insurance; car rental theft and damage coverage; American Express Invites program for shows, shopping sales and dining perks Get more details about the American Express SimplyCash Preferred* For bonus categories: CIBC Dividend Visa Infinite On top of its standard 1% earn rate, the CIBC Dividend Visa Infinite card

[ad_1] Life insurance is a crucial component of any financial plan, and the best life insurance companies make it easy to secure coverage. Whether you are considering inexpensive term life insurance with a generous death benefit, whole life insurance that builds cash value, or another type of permanent policy, the highest rating life insurance companies have an easily-understood application process, and solid ratings from third parties, and coverage you can trust. You may be able to line up life insurance coverage within a few days, and without any type of medical exam required. That said, it’s crucial to compare life insurance providers before you buy, especially since different companies have their own unique offerings. If you’re ready to buy life insurance that can protect your family or cover your final expenses, read on to learn more about our top picks. #ap2046-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Lato,Arial,sans-serif}#ap2046-ww #ap2046-ww-indicator{text-align:right}#ap2046-ww #ap2046-ww-indicator-wrapper{display:inline-flex;align-items:center;justify-content:flex-end}#ap2046-ww #ap2046-ww-indicator-wrapper:hover #ap2046-ww-text{display:block}#ap2046-ww #ap2046-ww-indicator-wrapper:hover #ap2046-ww-label{display:none}#ap2046-ww #ap2046-ww-text{margin:auto 3px auto auto}#ap2046-ww #ap2046-ww-label{margin-left:4px;margin-right:3px}#ap2046-ww #ap2046-ww-icon{margin:auto;padding:1px;display:inline-block;width:15px;height:15px;min-width:15px;min-height:15px;cursor:pointer}#ap2046-ww #ap2046-ww-icon img{vertical-align:middle;width:15px;height:15px;min-width:15px;min-height:15px}#ap2046-ww #ap2046-ww-text-bottom{margin:5px}#ap2046-ww #ap2046-ww-text{display:none}#ap2046-ww #ap2046-ww-icon img{text-indent:-9999px;color:transparent} Ads by Money. We may be compensated if you click this ad.Ad Best for No Medical Exams Best for Quick Coverage Best for Competitive Premiums Best for Healthy Senior Citizens Best for Group Life Insurance Bestow Haven Life AIG Direct Health IQ Metlife Our Partner Our Partner Our Partner See an Estimate See An Estimate See An Estimate See an Estimate See an Estimate Types of Coverage Offered Term life insurance Term life insurance, disability insurance Term life insurance, universal life insurance, guaranteed issue whole life insurance Whole life insurance for seniors Term life insurance, group variable universal life, group universal life insurance, accidental deat Online Quote? Yes Yes Yes No No A.M. Best Rating for Financial Strength A+ A++ A Varies by insurer A+ Best for No Medical Exams Bestow Our Partner See an Estimate Types of Coverage Offered Term life insurance Online Quote? Yes A.M. Best Rating for Financial Strength A+ Best for Quick Coverage Haven Life Our Partner See An Estimate Types of Coverage Offered Term life insurance, disability insurance Online Quote? Yes A.M. Best Rating for Financial Strength A++ Best for Competitive Premiums AIG Direct Our Partner See An Estimate Types of Coverage Offered Term life insurance, universal life insurance, guaranteed issue whole life insurance Online Quote? Yes A.M. Best Rating for Financial Strength A Best for Healthy Senior Citizens Health IQ See an Estimate Types of Coverage Offered Whole life insurance for seniors Online Quote? No A.M. Best Rating for Financial Strength Varies by insurer Best for Group Life Insurance Metlife See an Estimate Types of Coverage Offered Term life insurance, group variable universal life, group universal life insurance, accidental deat Online Quote? No A.M. Best Rating for Financial Strength A+ #ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table{width:100%;max-width:none;table-layout:fixed}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table.gfc tr td.company-tbl-column-title{font-family:Muli,sans-serif}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table.gfc tr td.company-tbl-column-banner_text{color:#085DAD;font-family:Muli,sans-serif}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table.gfc tr td.company-tbl-column-banner_text.number-0 .top-label-rect-bg{background:#112746}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table.gfc tr td.company-tbl-column-banner_text.number-0 svg{top:-1px}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table.gfc tr td.company-tbl-column-title{font-family:Muli,sans-serif;color:#01003C}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table.gfc tr td.company-tbl-column-subtitle{font-family:Muli,sans-serif;color:#5A5A5A}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table.gfc tr td.company-tbl-column-header{color:#085DAD;font-family:Muli,sans-serif}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table.gfc tr td.company-tbl-column-header-text{font-family:Muli,sans-serif;color:#01003C}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table.gfc tr td.company-tbl-column-header-text a{font-family:Muli,sans-serif;color:#01003C}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table.gfc tr td.company-tbl-column-header-text p{font-family:Muli,sans-serif;color:#01003C}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table.gfc tr td.company-tbl-column-button_text button{font-family:Muli,sans-serif;color:#000;background:#8cc739;border-radius:unset}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table.gfc tr td.company-tbl-column-button_text button:hover{color:#000;background-color:#afea5d}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table.bcb tr td.company-tbl-column-title{font-family:”nimbus-sans”,sans-serif}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table.bcb tr td.company-tbl-column-banner_text{color:#0091FF;font-family:”nimbus-sans”,sans-serif}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table.bcb tr td.company-tbl-column-banner_text.number-0 .top-label-rect-bg{background:#143E76}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table.bcb tr td.company-tbl-column-title{font-family:”nimbus-sans”,sans-serif;color:#01003C}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table.bcb tr td.company-tbl-column-subtitle{font-family:”nimbus-sans”,sans-serif;color:#9AAAB9}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table.bcb tr td.company-tbl-column-header{color:#0091FF;font-family:”nimbus-sans”,sans-serif}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table.bcb tr td.company-tbl-column-header-text{font-family:”nimbus-sans”,sans-serif;color:#01003C}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table.bcb tr td.company-tbl-column-header-text a{font-family:”nimbus-sans”,sans-serif;color:#01003C}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table.bcb tr td.company-tbl-column-header-text p{font-family:”nimbus-sans”,sans-serif;color:#01003C}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table.bcb tr td.company-tbl-column-button_text button{font-family:”nimbus-sans”,sans-serif;color:#fff;background:#FF7D32;border-radius:unset}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table tr{border-bottom:none;background:#fff}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table tr:first-child td{border-top:4px solid #F0F5F9}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table tr.company-product-row td{position:relative;padding:0 !important;border-bottom-style:hidden;border-right:4px solid #F0F5F9;background:transparent}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table tr.company-product-row td a{position:absolute;left:0;top:0;width:100%;height:100%;cursor:pointer}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table tr.company-product-row.last-row td{padding:0 8px !important;border-bottom-style:solid}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table tr td{border-bottom:4px solid #F0F5F9;background:transparent;vertical-align:top}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table tr td:first-child{border-left:4px solid #F0F5F9}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table tr td p{vertical-align:top;padding:0;margin:0}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table tr td.company-tbl-column-banner_text{font-family:Montserrat,Verdana,sans-serif;color:#3750DC;font-size:14px;line-height:18px;font-weight:700;text-align:center;padding:15px 8px !important}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table tr td.company-tbl-column-banner_text.number-0.dfct-0{padding:0 !important}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table tr td.company-tbl-column-banner_text.number-0 .top-label-rect-bg{color:#fff;background:#3750DC;padding:8px !important}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table tr td.company-tbl-column-banner_text.number-0 svg{position:relative;top:0;height:20px}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table tr td.company-tbl-column-img_url{padding:15px 10px !important;text-align:center;vertical-align:middle}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table tr td.company-tbl-column-img_url img{width:100%;max-height:120px;max-width:150px}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table tr td.company-tbl-column-title{font-family:Montserrat,Verdana,sans-serif;color:#01003C;font-size:14px;line-height:18px;font-weight:700;text-align:center;padding:0 8px !important}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table tr td.company-tbl-column-subtitle{font-family:Montserrat,Verdana,sans-serif;color:#9AAAB9;font-size:14px;line-height:16px;font-weight:400;text-align:center;padding:8px !important}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table tr td.company-tbl-column-button_text{padding:15px 0;text-align:center}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table tr td.company-tbl-column-button_text button{font-family:Montserrat,Verdana,sans-serif;color:#fff;font-size:12px;line-height:20px;font-weight:700;text-transform:uppercase;text-decoration:none;text-align:center;background:#FF7D32;border-radius:50px;border:0;padding:10px 15px;margin:24px 0 40px 0;max-width:120px;cursor:pointer}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table tr td.company-tbl-column-header{font-family:Montserrat,Verdana,sans-serif;color:#3750DC;font-size:14px;line-height:18px;font-weight:700;border-right:4px solid #F0F5F9;padding-bottom:20px !important}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table tr td.company-tbl-column-header p{font-family:Montserrat,Verdana,sans-serif;color:#3750DC;font-size:14px;line-height:18px;font-weight:700}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table tr td.company-tbl-column-header-text{font-family:Georgia, serif;color:#01003C;font-size:14px;line-height:18px;text-align:left;border-right:4px solid #F0F5F9;padding-bottom:20px !important}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table tr td.company-tbl-column-header-text p{font-family:Georgia, serif;color:#01003C;font-size:14px;line-height:18px}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows{display:none;flex-direction:column}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-row{display:flex}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-row:first-child .money-company-tbl-column{border-top:4px solid #F0F5F9}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-row:last-child .money-company-tbl-column{border-bottom:4px solid #F0F5F9}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column:first-child{border-left:4px solid #F0F5F9}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column:last-child{border-right:4px solid #F0F5F9}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-row .tbl-company-headers.mobile{display:none}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-column{position:relative;display:flex;flex:1;flex-direction:column;align-items:center;font-family:Montserrat,Verdana,sans-serif;border:2px solid #F0F5F9;min-width:100px}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-column:first-child .company-tbl-row-header-text{color:#3750DC;font-family:Montserrat,Verdana,sans-serif;font-size:14px;line-height:20px;font-weight:700;text-align:left}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-column:last-child .money-company-tbl-column{border-right:4px solid #F0F5F9}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-column:nth-child(2) .tbl-company-caption{margin:0;padding:0;width:100%}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-column.header-column{display:flex;flex-direction:row}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-column .column-label-bg{position:relative;display:inline-flex;justify-content:center;align-items:center;width:100%;height:35px;text-align:center;color:#fff;background:#3750DC;text-decoration:none}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-column .column-label-bg:before{content:””;position:absolute;top:100%;right:0;width:50%;height:22px;background:linear-gradient(to right bottom, #3750DC 50%, transparent 50%)}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-column .column-label-bg:after{content:””;position:absolute;top:100%;left:0;width:51%;height:22px;background:linear-gradient(to left bottom, #3750DC 50%, transparent 50%)}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-column .company-tbl-row-header-text{display:flex;justify-content:flex-start;align-items:center;font-family:georgia,serif;font-size:14px;line-height:20px;font-weight:400;text-align:left;width:100%;margin:10px}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-column .company-tbl-row-header-text p{font-size:14px;margin:0;padding:0;line-height:unset;text-align:left}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-column .tbl-company-detail{display:flex;flex-direction:column;justify-content:center;align-items:center;text-decoration:none;margin:15px 0 0 0;padding:0 10px 0 10px;cursor:pointer}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-column .tbl-company-caption{display:flex;justify-content:center;align-items:flex-start;color:#3750DC;font-size:14px;line-height:18px;font-weight:700;text-align:center;margin:0;padding:10px 10px;height:50px;box-sizing:border-box;width:100%}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-column .tbl-company-caption .top-bg-wrapper{display:flex;flex-direction:column;width:100%}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-column .tbl-company-caption .top-label-rect-bg{position:relative;display:flex;align-items:center;justify-content:center;color:#fff;background:#3750DC;padding:8px;height:35px}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-column .tbl-company-caption svg{position:relative;top:0;height:12px}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-column .tbl-company-caption .toggle-arrow{display:none}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-column .tbl-company-logo{display:flex;justify-content:center;align-items:center;height:120px;margin:16px 0 27px 0}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-column .tbl-company-logo img{max-width:120px;max-height:120px}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-column .tbl-company-name{display:flex;justify-content:center;align-items:flex-start;color:#01003C;font-size:14px;line-height:18px;font-weight:700;text-align:center;margin:0 0 6px 0;height:35px}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-column .tbl-company-partner{display:flex;justify-content:center;align-items:flex-start;color:#9AAAB9;font-size:14px;line-height:18px;font-weight:400;text-align:center;width:100%}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-column .tbl-site-btn{display:flex;align-items:center;justify-content:center;color:#fff;font-size:12px;line-height:20px;font-weight:700;text-transform:uppercase;text-decoration:none;text-align:center;background:#FF7D32;border-radius:50px;padding:10px 15px;margin:24px 0 40px 0;max-width:120px;cursor:pointer}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows .money-company-tbl-column .tbl-site-btn:hover{color:#fff;background-color:#FF6321}@media (max-width: 768px){#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 table{display:none}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2 .money-company-tbl-rows{display:flex}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.gfc .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column{font-family:Muli,sans-serif}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.gfc .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column:first-child .company-tbl-row-header-text{color:#085DAD}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.gfc .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column:nth-child(2) .tbl-company-caption .top-label-rect-bg{background:#112746}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.gfc .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column:nth-child(2) .tbl-company-caption .column-label-bg{background:#112746}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.gfc .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column:nth-child(2) .tbl-company-caption .column-label-bg:before{background:linear-gradient(to right bottom, #112746 50%, transparent 50%)}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.gfc .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column:nth-child(2) .tbl-company-caption .column-label-bg:after{background:linear-gradient(to left bottom, #112746 50%, transparent 50%)}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.gfc .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column .tbl-company-caption{font-family:Raleway,sans-serif;color:#085DAD;box-sizing:border-box}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.gfc .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column .tbl-company-detail{font-family:Muli,sans-serif}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.gfc .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column .company-tbl-row-header-text{font-family:Muli,sans-serif}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.gfc .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column .company-tbl-row-header-text p{font-family:Muli,sans-serif}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.gfc .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column .tbl-company-headers.mobile .tbl-company-header-item .company-tbl-row-header-label{color:#085DAD}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.gfc .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column .tbl-company-headers.mobile .tbl-company-header-item .company-tbl-row-header-text{font-family:Muli,sans-serif;color:#01003C}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.gfc .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column .tbl-company-headers.mobile .tbl-company-header-item .company-tbl-row-header-text p{font-family:Muli,sans-serif}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.gfc .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column .tbl-site-btn{font-family:Muli,sans-serif;color:#000;background:#8cc739;border-radius:unset}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.gfc .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column .tbl-site-btn:hover{color:#000;background-color:#afea5d}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.bcb .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column{font-family:”nimbus-sans”,sans-serif}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.bcb .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column:first-child .company-tbl-row-header-text{color:#0091FF}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.bcb .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column:nth-child(2) .tbl-company-caption .top-label-rect-bg{color:#F0F5F9;background:#143E76}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.bcb .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column:nth-child(2) .tbl-company-caption .column-label-bg{color:#F0F5F9;background:#143E76}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.bcb .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column:nth-child(2) .tbl-company-caption .column-label-bg:before{background:linear-gradient(to right bottom, #143E76 50%, transparent 50%)}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.bcb .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column:nth-child(2) .tbl-company-caption .column-label-bg:after{background:linear-gradient(to left bottom, #143E76 50%, transparent 50%)}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.bcb .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column .tbl-company-caption{font-family:”nimbus-sans”,sans-serif;color:#0091FF}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.bcb .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column .tbl-company-detail{font-family:”nimbus-sans”,sans-serif}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.bcb .money-company-tbl-rows .money-company-tbl-row .money-company-tbl-column .company-tbl-row-header-text{font-family:”nimbus-sans”,sans-serif}#ap2046-w-money-company-table2-container #ap2046-w-money-company-table2.bcb .money-company-tbl-rows .money-company-tbl-row