Retired?
As an independent firm, we are committed to offering complete objectivity and unbiased advice.
Taking a New Path?
We offer a full range of investment and financial services and have access to a wide array of solutions.
Saving for the Future?
We strive to build long-lasting relationships with our clients, offering education and guidance.
![<!-- [if gte mso 9]><xml>
<w:WordDocument>
<w:View>Normal</w:View>
<w:Zoom>0</w:Zoom>
<w:TrackMoves></w:TrackMoves>
<w:TrackFormatting></w:TrackFormatting>
<w:PunctuationKerning></w:PunctuationKerning>
<w:ValidateAgainstSchemas></w:ValidateAgainstSchemas>
<w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid>
<w:IgnoreMixedContent>false</w:IgnoreMixedContent>
<w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText>
<w:DoNotPromoteQF></w:DoNotPromoteQF>
<w:LidThemeOther>EN-US</w:LidThemeOther>
<w:LidThemeAsian>X-NONE</w:LidThemeAsian>
<w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript>
<w:Compatibility>
<w:BreakWrappedTables></w:BreakWrappedTables>
<w:SnapToGridInCell></w:SnapToGridInCell>
<w:WrapTextWithPunct></w:WrapTextWithPunct>
<w:UseAsianBreakRules></w:UseAsianBreakRules>
<w:DontGrowAutofit></w:DontGrowAutofit>
<w:SplitPgBreakAndParaMark></w:SplitPgBreakAndParaMark>
<w:EnableOpenTypeKerning></w:EnableOpenTypeKerning>
<w:DontFlipMirrorIndents></w:DontFlipMirrorIndents>
<w:OverrideTableStyleHps></w:OverrideTableStyleHps>
</w:Compatibility>
<w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel>
<m:mathPr>
<m:mathFont m:val="Cambria Math"></m:mathFont>
<m:brkBin m:val="before"></m:brkBin>
<m:brkBinSub m:val="--"></m:brkBinSub>
<m:smallFrac m:val="off"></m:smallFrac>
<m:dispDef></m:dispDef>
<m:lMargin m:val="0"></m:lMargin>
<m:rMargin m:val="0"></m:rMargin>
<m:defJc m:val="centerGroup"></m:defJc>
<m:wrapIndent m:val="1440"></m:wrapIndent>
<m:intLim m:val="subSup"></m:intLim>
<m:naryLim m:val="undOvr"></m:naryLim>
</m:mathPr></w:WordDocument>
</xml><![endif]--><!-- [if gte mso 9]><xml>
<w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="false"
DefSemiHidden="false" DefQFormat="false" DefPriority="99"
LatentStyleCount="376">
<w:LsdException Locked="false" Priority="0" QFormat="true" Name="Normal"></w:LsdException>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 1"></w:LsdException>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 2"></w:LsdException>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 3"></w:LsdException>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 4"></w:LsdException>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 5"></w:LsdException>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 6"></w:LsdException>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 7"></w:LsdException>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 8"></w:LsdException>
<w:LsdException Locked="false" Priority="9" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="heading 9"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 1"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 2"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 3"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 4"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 5"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 6"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 7"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 8"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index 9"></w:LsdException>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 1"></w:LsdException>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 2"></w:LsdException>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 3"></w:LsdException>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 4"></w:LsdException>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 5"></w:LsdException>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 6"></w:LsdException>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 7"></w:LsdException>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 8"></w:LsdException>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" Name="toc 9"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Indent"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="footnote text"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation text"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="header"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="footer"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="index heading"></w:LsdException>
<w:LsdException Locked="false" Priority="35" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="caption"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="table of figures"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="envelope address"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="envelope return"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="footnote reference"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation reference"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="line number"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="page number"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="endnote reference"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="endnote text"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="table of authorities"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="macro"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="toa heading"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 2"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 3"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 4"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 5"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 2"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 3"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 4"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 5"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 2"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 3"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 4"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 5"></w:LsdException>
<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Closing"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Signature"></w:LsdException>
<w:LsdException Locked="false" Priority="1" SemiHidden="true"
UnhideWhenUsed="true" Name="Default Paragraph Font"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 2"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 3"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 4"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 5"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"></w:LsdException>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Salutation"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"></w:LsdException>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"></w:LsdException>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"></w:LsdException>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"></w:LsdException>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"></w:LsdException>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"></w:LsdException>
<w:LsdException Locked="false" Priority="61" Name="Light List"></w:LsdException>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"></w:LsdException>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"></w:LsdException>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"></w:LsdException>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"></w:LsdException>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"></w:LsdException>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"></w:LsdException>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"></w:LsdException>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"></w:LsdException>
<w:LsdException Locked="false" Priority="70" Name="Dark List"></w:LsdException>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"></w:LsdException>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"></w:LsdException>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"></w:LsdException>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"></w:LsdException>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"></w:LsdException>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"></w:LsdException>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"></w:LsdException>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"></w:LsdException>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"></w:LsdException>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"></w:LsdException>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"></w:LsdException>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"></w:LsdException>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"></w:LsdException>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"></w:LsdException>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"></w:LsdException>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"></w:LsdException>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"></w:LsdException>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"></w:LsdException>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"></w:LsdException>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"></w:LsdException>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"></w:LsdException>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"></w:LsdException>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"></w:LsdException>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"></w:LsdException>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"></w:LsdException>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"></w:LsdException>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"></w:LsdException>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"></w:LsdException>
<w:LsdException Locked="false" Priority="47" Name="List Table 2"></w:LsdException>
<w:LsdException Locked="false" Priority="48" Name="List Table 3"></w:LsdException>
<w:LsdException Locked="false" Priority="49" Name="List Table 4"></w:LsdException>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"></w:LsdException>
<w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"></w:LsdException>
<w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"></w:LsdException>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 1"></w:LsdException>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 2"></w:LsdException>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 3"></w:LsdException>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 4"></w:LsdException>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 5"></w:LsdException>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 6"></w:LsdException>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 6"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Mention"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Smart Hyperlink"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hashtag"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Unresolved Mention"></w:LsdException>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Smart Link"></w:LsdException>
</w:LatentStyles>
</xml><![endif]--><!-- [if gte mso 10]>
<style>
/* Style Definitions */
table.MsoNormalTable
{mso-style-name:"Table Normal";
mso-tstyle-rowband-size:0;
mso-tstyle-colband-size:0;
mso-style-noshow:yes;
mso-style-priority:99;
mso-style-parent:"";
mso-padding-alt:0in 5.4pt 0in 5.4pt;
mso-para-margin:0in;
mso-pagination:widow-orphan;
font-size:10.0pt;
font-family:"Times New Roman",serif;}
</style>
<![endif]-->Quarterly News Release: 1st Quarter 2022<br/>January 6, 2022](http://static.fmgsuite.com/media/downloadables/images/variantSize/841ef69b-3609-4415-9f36-6a15bcdcdb2c.jpg?v=1)
Quarterly News Release: 1st Quarter 2022
January 6, 2022
Welcome to 2022. In this edition: 1) Company Announcements, 2) Timely and useful information, as we have presented in Januarys past, 3) A deep dive into our own 2021 capital markets forecasts and our views on 2022.