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{ PADDING-RIGHT: 10px; PADDING-LEFT: 10px; BACKGROUND: #fff; FLOAT: left; = PADDING-BOTTOM: 10px; MARGIN: 0px; WIDTH: 365px; PADDING-TOP: 10px } .main_left_tools { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; MARGIN: = 0px; WIDTH: 375px; PADDING-TOP: 0px } .main_right { PADDING-RIGHT: 10px; PADDING-LEFT: 10px; BACKGROUND: #fff; FLOAT: = right; PADDING-BOTTOM: 10px; MARGIN: 0px; WIDTH: 365px; PADDING-TOP: = 10px } .main_right_tools { PADDING-RIGHT: 10px; PADDING-LEFT: 10px; BACKGROUND: #fff; FLOAT: = right; PADDING-BOTTOM: 10px; MARGIN: 0px; WIDTH: 365px; PADDING-TOP: = 10px } .main_right_tools { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; WIDTH: = 375px; PADDING-TOP: 0px } #left_column_wide2 { BORDER-RIGHT: #42421e thin dotted; PADDING-RIGHT: 10px; BORDER-TOP: = #42421e thin dotted; PADDING-LEFT: 10px; BACKGROUND: #fff; = PADDING-BOTTOM: 10px; MARGIN: 10px; BORDER-LEFT: #42421e thin dotted; = WIDTH: 309px; PADDING-TOP: 10px; BORDER-BOTTOM: #42421e thin 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solid } IMG { BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-STYLE: = none; BORDER-BOTTOM-STYLE: none } A.signup { COLOR: #000000; TEXT-DECORATION: underline } A.signup:hover { COLOR: #cc0000; TEXT-DECORATION: none } .question { FONT-SIZE: 12px; FLOAT: left; WIDTH: 90px } .question A { FONT-SIZE: 12px } .question A:hover { FONT-SIZE: 12px } .read_moreQ { FLOAT: right; WIDTH: 200px; TEXT-ALIGN: right } .read_more { TEXT-ALIGN: right } .read_more IMG { VERTICAL-ALIGN: top } .question IMG { VERTICAL-ALIGN: top } .read_more A { FONT-SIZE: 12px; COLOR: #42421e; FONT-FAMILY: "Times New Roman", Times, = serif; TEXT-DECORATION: none } .question A { FONT-SIZE: 12px; COLOR: #42421e; FONT-FAMILY: "Times New Roman", Times, = serif; TEXT-DECORATION: none } .read_more A:hover { COLOR: red; TEXT-DECORATION: underline } .question A:hover { COLOR: red; TEXT-DECORATION: underline } .sub_section A { PADDING-LEFT: 5px; FONT-SIZE: 16px; COLOR: #42421e; FONT-FAMILY: "Times = New Roman", 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0px 5px } INPUT { PADDING-RIGHT: 9px; FONT-SIZE: 12px; FONT-FAMILY: Arial, Helvetica, = sans-serif } .blue { COLOR: #0000cc } .mpu { BORDER-RIGHT: #cccccc 1px solid; PADDING-RIGHT: 0px; BORDER-TOP: = #cccccc 1px solid; PADDING-LEFT: 0px; PADDING-BOTTOM: 18px; MARGIN: 12px = 0px 18px; BORDER-LEFT: #cccccc 1px solid; PADDING-TOP: 12px; = BORDER-BOTTOM: #cccccc 1px solid; BACKGROUND-COLOR: #eeeeee; TEXT-ALIGN: = center } .mpu2 { BORDER-RIGHT: #cccccc 1px solid; PADDING-RIGHT: 0px; BORDER-TOP: = #cccccc 1px solid; PADDING-LEFT: 0px; PADDING-BOTTOM: 18px; MARGIN: 12px = 0px 18px; BORDER-LEFT: #cccccc 1px solid; PADDING-TOP: 12px; = BORDER-BOTTOM: #cccccc 1px solid; BACKGROUND-COLOR: #eeeeee; TEXT-ALIGN: = center } .mpu2 { MARGIN: 0px } .mpu P { TEXT-ALIGN: center } .moreList { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 8px; MARGIN: = 0px; PADDING-TOP: 4px } .moreList UL { PADDING-RIGHT: 0px; PADDING-LEFT: 18px; PADDING-BOTTOM: 0px; MARGIN: = 0px; PADDING-TOP: 0px } .moreList LI { CLEAR: both; FONT-SIZE: 11px; LIST-STYLE-IMAGE: = url(../images/arrowList.png); COLOR: #0066cc; FONT-FAMILY: Arial, = Helvetica, sans-serif } .tools { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 6px; MARGIN: = 0px; PADDING-TOP: 0px } .toolsSub { PADDING-LEFT: 0px; FONT-SIZE: 12px } .tools LI { PADDING-RIGHT: 0px; DISPLAY: inline; PADDING-LEFT: 16px; FONT-SIZE: = 11px; PADDING-BOTTOM: 6px; COLOR: #0066cc; LINE-HEIGHT: 16px; = PADDING-TOP: 0px; FONT-FAMILY: Arial, Helvetica, sans-serif; = WHITE-SPACE: nowrap } .tools UL { PADDING-RIGHT: 0px; PADDING-LEFT: 6px; PADDING-BOTTOM: 0px; MARGIN: 0px = 0px 6px; PADDING-TOP: 0px } .intro { PADDING-RIGHT: 0px; DISPLAY: inline; PADDING-LEFT: 0px; FONT-SIZE: = 12px; PADDING-BOTTOM: 6px; MARGIN: 0px; PADDING-TOP: 0px; FONT-FAMILY: = Arial, Helvetica, sans-serif } .intro2 { PADDING-RIGHT: 0px; DISPLAY: inline; PADDING-LEFT: 0px; FONT-SIZE: = 12px; PADDING-BOTTOM: 6px; MARGIN: 0px; PADDING-TOP: 0px; FONT-FAMILY: = Arial, Helvetica, sans-serif } .intro2 { PADDING-RIGHT: 0px; DISPLAY: block; PADDING-LEFT: 0px; PADDING-BOTTOM: = 6px; PADDING-TOP: 0px } .intro IMG { PADDING-RIGHT: 0px; PADDING-LEFT: 2px; PADDING-BOTTOM: 0px; = PADDING-TOP: 0px } .wrapper { MARGIN-LEFT: auto; WIDTH: 990px; MARGIN-RIGHT: auto; HEIGHT: 2000px } .sky_column { FLOAT: right; WIDTH: 160px; HEIGHT: auto } .sky { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 6px; MARGIN: 6px = 0px 0px; WIDTH: 160px; PADDING-TOP: 6px; BACKGROUND-COLOR: #d9d9d1; = TEXT-ALIGN: center } .corporate { CLEAR: both; PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FONT-WEIGHT: = normal; FONT-SIZE: 11px; PADDING-BOTTOM: 12px; COLOR: #42421e; = PADDING-TOP: 24px; FONT-FAMILY: Arial, Helvetica, sans-serif; = TEXT-ALIGN: center } .rec { PADDING-RIGHT: 8px; PADDING-LEFT: 8px; PADDING-BOTTOM: 0px; MARGIN: 0px = 0px 8px; PADDING-TOP: 3px; BACKGROUND-COLOR: #d9d9d1 } .rec_top { LINE-HEIGHT: 1px } .rec_left A { FONT-WEIGHT: bold; COLOR: #0066cc } .rec_left A:hover { FONT-WEIGHT: bold; COLOR: red } .rec P { FONT-SIZE: 12px; COLOR: #0066cc } .rec_left { FONT-SIZE: 11px; FLOAT: left; PADDING-BOTTOM: 4px; WIDTH: 268px; = FONT-FAMILY: Arial, Helvetica, sans-serif; BACKGROUND-COLOR: #d9d9d1 } .rec_both { FONT-SIZE: 11px; FLOAT: left; PADDING-BOTTOM: 4px; WIDTH: 268px; = FONT-FAMILY: Arial, Helvetica, sans-serif; BACKGROUND-COLOR: #d9d9d1 } .rec_left2 { FLOAT: left; WIDTH: 128px } .rec_right2 { FLOAT: right; WIDTH: 128px; TEXT-ALIGN: right } .rec_both { WIDTH: 278px } .rec_right { FONT-SIZE: 12px; FLOAT: right; PADDING-BOTTOM: 4px; WIDTH: 50px; COLOR: = #42421e; PADDING-TOP: 4px; FONT-FAMILY: "Times New Roman", Times, serif; = BACKGROUND-COLOR: #d9d9d1 } .banks_right { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FONT-SIZE: 12px; FLOAT: right; = PADDING-BOTTOM: 0px; WIDTH: 500px; COLOR: #42421e; PADDING-TOP: 0px; = FONT-FAMILY: "Times New Roman", Times, serif } .top_ten TD { PADDING-RIGHT: 10px; PADDING-LEFT: 10px; PADDING-BOTTOM: 2px; = PADDING-TOP: 2px } .top_ten { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; = PADDING-TOP: 0px } .top_ten_dark { CLEAR: both; FONT-WEIGHT: bold; FONT-SIZE: 13px; FONT-FAMILY: Arial, = Helvetica, sans-serif; BACKGROUND-COLOR: #d9d9d1 } .top_ten_light { CLEAR: both; PADDING-RIGHT: 0px; PADDING-LEFT: 10px; FONT-WEIGHT: bold; = FONT-SIZE: 13px; PADDING-BOTTOM: 2px; PADDING-TOP: 2px; FONT-FAMILY: = Arial, Helvetica, sans-serif } .top_ten_name { FLOAT: left; WIDTH: 228px } .top_ten_price { FLOAT: right; WIDTH: 50px } .top_ten A { COLOR: #000000 } .top_ten A:hover { COLOR: red } .bb_section_head { PADDING-RIGHT: 12px; PADDING-LEFT: 12px; FONT-SIZE: 14px; = PADDING-BOTTOM: 6px; MARGIN: 0px; COLOR: #ffffff; PADDING-TOP: 6px; = FONT-FAMILY: Arial, Helvetica, sans-serif; BACKGROUND-COLOR: #7b7b62 } .section_head { PADDING-RIGHT: 12px; PADDING-LEFT: 12px; FONT-SIZE: 14px; = PADDING-BOTTOM: 6px; COLOR: #ffffff; PADDING-TOP: 6px; FONT-FAMILY: = Arial, Helvetica, sans-serif; BACKGROUND-COLOR: #7b7b62 } .section_head A { COLOR: #ffffff } .storyBlock H2 { FONT-WEIGHT: bold; FONT-SIZE: 16px; COLOR: #0066cc; FONT-FAMILY: Arial, = Helvetica, sans-serif } .storyBlock H3 { FONT-WEIGHT: bold; FONT-SIZE: 14px; COLOR: #0066cc; FONT-FAMILY: Arial, = Helvetica, sans-serif } .storyBlock H3 A { FONT-WEIGHT: bold; FONT-SIZE: 14px; COLOR: #0066cc; FONT-FAMILY: Arial, = Helvetica, sans-serif } .storyBlock H3 A:hover { FONT-WEIGHT: bold; FONT-SIZE: 14px; COLOR: red; FONT-FAMILY: Arial, = Helvetica, sans-serif } .storyBlock P { LINE-HEIGHT: 16px } .icons { CLEAR: right; BORDER-RIGHT: #000000 1px dotted; BORDER-TOP: #000000 1px = dotted; FONT-WEIGHT: bold; FONT-SIZE: 12px; FLOAT: right; MARGIN: 8px = 0px 8px 8px; BORDER-LEFT: #000000 1px dotted; WIDTH: 100px; COLOR: = #aaaaaa; BORDER-BOTTOM: #000000 1px dotted; FONT-FAMILY: Arial, = Helvetica, sans-serif } .icons TD { FONT-WEIGHT: bold; COLOR: #aaaaaa; TEXT-ALIGN: left } .icons A { FONT-WEIGHT: bold; COLOR: #aaaaaa; TEXT-DECORATION: none } .icons A:hover { FONT-WEIGHT: bold; COLOR: #333366; TEXT-DECORATION: none } .icons IMG { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; = PADDING-TOP: 0px } .articleHead H1 { PADDING-RIGHT: 0px; PADDING-LEFT: 2px; FONT-SIZE: 28px; PADDING-BOTTOM: = 0px; COLOR: #0066cc; PADDING-TOP: 0px; FONT-FAMILY: Arial, Helvetica, = sans-serif } .boxout { CLEAR: both; PADDING-RIGHT: 8px; PADDING-LEFT: 8px; FONT-SIZE: 12px; = PADDING-BOTTOM: 8px; MARGIN: 12px 0px; COLOR: #000000; PADDING-TOP: 8px; = BACKGROUND-COLOR: #d9d9d1 } .boxout H2 P { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FONT-WEIGHT: bold; FONT-SIZE: = 14px; PADDING-BOTTOM: 0px; MARGIN: 0px; COLOR: #0066cc; PADDING-TOP: 0px } .boxout H2 { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; MARGIN: = 0px; COLOR: #0066cc; PADDING-TOP: 0px } .boxout P { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FONT-SIZE: 12px; PADDING-BOTTOM: = 6px; MARGIN: 0px; COLOR: #000000; PADDING-TOP: 6px } .comments A { FONT-WEIGHT: bold; COLOR: #0066cc; TEXT-DECORATION: none } .comments A:hover { FONT-WEIGHT: bold; COLOR: red; TEXT-DECORATION: none } .user_comments { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FONT-SIZE: 11px; PADDING-BOTTOM: = 8px; MARGIN: 0px; PADDING-TOP: 8px; BORDER-BOTTOM: #42421e 1px dotted; = FONT-FAMILY: Arial, Helvetica, sans-serif } .user_comments H3 { FONT-WEIGHT: bold; FONT-SIZE: 12px; COLOR: #000000 } .box_body { PADDING-RIGHT: 16px; PADDING-LEFT: 16px; PADDING-BOTTOM: 13px; = PADDING-TOP: 8px; HEIGHT: 55px; BACKGROUND-COLOR: #d9d9d1 } .box_body P { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 6px; MARGIN: = 0px; PADDING-TOP: 0px } .box_body A { COLOR: #000000 } .box_body A:hover { COLOR: red } .tools A { COLOR: #0066cc; FONT-FAMILY: Arial, Helvetica, sans-serif } .tools A:hover { COLOR: red; FONT-FAMILY: Arial, Helvetica, sans-serif } .tools H1 A { COLOR: #42421e; FONT-FAMILY: "Times New Roman", Times, serif } .tools H1 A:hover { COLOR: red; FONT-FAMILY: "Times New Roman", Times, serif } .tools BR { LINE-HEIGHT: 4px } .sub_block { CLEAR: both; MARGIN: 2px 0px } .sub_right { PADDING-RIGHT: 12px; PADDING-LEFT: 12px; FONT-WEIGHT: bold; FLOAT: = right; PADDING-BOTTOM: 2px; WIDTH: 162px; PADDING-TOP: 2px; = BORDER-BOTTOM: #ffffff 2px solid; BACKGROUND-COLOR: #d9d9d1 } .sub_right_sm { PADDING-RIGHT: 12px; PADDING-LEFT: 12px; FONT-WEIGHT: bold; FLOAT: = right; PADDING-BOTTOM: 2px; WIDTH: 162px; PADDING-TOP: 2px; = BORDER-BOTTOM: #ffffff 2px solid; BACKGROUND-COLOR: #d9d9d1 } .sub_left { PADDING-RIGHT: 12px; PADDING-LEFT: 12px; FONT-WEIGHT: bold; FLOAT: = left; PADDING-BOTTOM: 2px; WIDTH: 162px; PADDING-TOP: 2px; = BORDER-BOTTOM: #ffffff 2px solid; BACKGROUND-COLOR: #d9d9d1 } .sub_left_sm { PADDING-RIGHT: 12px; PADDING-LEFT: 12px; FONT-WEIGHT: bold; FLOAT: = left; PADDING-BOTTOM: 2px; WIDTH: 162px; PADDING-TOP: 2px; = BORDER-BOTTOM: #ffffff 2px solid; BACKGROUND-COLOR: #d9d9d1 } .sub_right_sm { WIDTH: 158px } .sub_left_sm { WIDTH: 157px } .articleBoxMid { HEIGHT: 100% } .relatedBoxL { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FLOAT: left; PADDING-BOTTOM: = 4px; MARGIN: 0px 0px 4px; WIDTH: 208px; PADDING-TOP: 2px; = BACKGROUND-COLOR: #eeeeee } .relatedBoxL_narrow { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FLOAT: left; PADDING-BOTTOM: = 4px; MARGIN: 0px 0px 4px; WIDTH: 208px; PADDING-TOP: 2px; = BACKGROUND-COLOR: #eeeeee } .relatedBoxR { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FLOAT: right; PADDING-BOTTOM: = 4px; MARGIN: 0px 0px 4px; WIDTH: 208px; PADDING-TOP: 2px; HEIGHT: 100%; = BACKGROUND-COLOR: #eeeeee } .relatedBoxR_narrow { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FLOAT: right; PADDING-BOTTOM: = 4px; MARGIN: 0px 0px 4px; WIDTH: 208px; PADDING-TOP: 2px; HEIGHT: 100%; = BACKGROUND-COLOR: #eeeeee } .related_right { PADDING-RIGHT: 4px; PADDING-LEFT: 4px; FONT-WEIGHT: bold; FLOAT: right; = PADDING-BOTTOM: 2px; MARGIN: 0px; WIDTH: 200px; PADDING-TOP: 2px; = BACKGROUND-COLOR: #d9d9d1 } .related_right_narrow { PADDING-RIGHT: 4px; PADDING-LEFT: 4px; FONT-WEIGHT: bold; FLOAT: right; = PADDING-BOTTOM: 2px; MARGIN: 0px; WIDTH: 200px; PADDING-TOP: 2px; = BACKGROUND-COLOR: #d9d9d1 } .related_left { PADDING-RIGHT: 4px; PADDING-LEFT: 4px; FONT-WEIGHT: bold; FLOAT: left; = PADDING-BOTTOM: 2px; MARGIN: 0px; WIDTH: 200px; PADDING-TOP: 2px; = BACKGROUND-COLOR: #d9d9d1 } .related_left_narrow { PADDING-RIGHT: 4px; PADDING-LEFT: 4px; FONT-WEIGHT: bold; FLOAT: left; = PADDING-BOTTOM: 2px; MARGIN: 0px; WIDTH: 200px; PADDING-TOP: 2px; = BACKGROUND-COLOR: #d9d9d1 } .related_right_narrow { WIDTH: 178px } .related_left_narrow { WIDTH: 178px } .relatedBoxL_narrow { WIDTH: 186px } .relatedBoxR_narrow { WIDTH: 186px } .byline { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FONT-SIZE: 11px; PADDING-BOTTOM: = 0px; MARGIN: 0px; COLOR: #4d4d4d; PADDING-TOP: 0px; FONT-FAMILY: Arial, = Helvetica, sans-serif; TEXT-ALIGN: right } .links { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; = PADDING-TOP: 12px; FONT-FAMILY: Arial, Helvetica, sans-serif } .links A { COLOR: #0066cc } .sub_both { PADDING-RIGHT: 4px; PADDING-LEFT: 4px; FONT-WEIGHT: bold; = PADDING-BOTTOM: 2px; PADDING-TOP: 2px; BORDER-BOTTOM: #ffffff 2px solid; = BACKGROUND-COLOR: #d9d9d1 } .clearFloat { CLEAR: both; LINE-HEIGHT: 1px } IMG.padlock { PADDING-RIGHT: 4px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; = PADDING-TOP: 0px } .moreInfo { PADDING-RIGHT: 0px; PADDING-LEFT: 4px; PADDING-BOTTOM: 0px; = PADDING-TOP: 0px; TEXT-ALIGN: center } .moreInfo H2 { FONT-FAMILY: "Times New Roman", Times, serif } .storyPic { BORDER-RIGHT: #000000 33px solid; BORDER-TOP: #000000 33px solid; = FLOAT: left; BORDER-LEFT: #000000 33px solid; BORDER-BOTTOM: #000000 = 33px solid } .rightAlign { TEXT-ALIGN: right } .pic { FLOAT: left } .search_left { FLOAT: left; WIDTH: 200px } .search_right { FLOAT: right; WIDTH: 145px } .search_wide { CLEAR: both } .comments { FONT-WEIGHT: bold; FONT-SIZE: 11px; COLOR: red; FONT-FAMILY: Arial, = Helvetica, sans-serif } .comments IMG { POSITION: relative; TOP: 4px } .subscribe { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; MARGIN: = 0px; PADDING-TOP: 0px } .subscribe H1 { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FONT-WEIGHT: bold; FONT-SIZE: = 18px; PADDING-BOTTOM: 6px; MARGIN: 0px; COLOR: #ff0000; PADDING-TOP: 6px } .subscribe H2 { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FONT-SIZE: 14px; PADDING-BOTTOM: = 6px; MARGIN: 0px; COLOR: #ff0000; PADDING-TOP: 6px; FONT-FAMILY: "Times = New Roman", Times, serif } .get_access { FLOAT: right } .get_access INPUT { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; MARGIN: = 0px; PADDING-TOP: 0px } .event { COLOR: #42421e } .eventsBlockA { PADDING-RIGHT: 6px; PADDING-LEFT: 6px; PADDING-BOTTOM: 4px; = PADDING-TOP: 4px; BACKGROUND-COLOR: #d9d9d1 } .eventsBlockB { PADDING-RIGHT: 6px; PADDING-LEFT: 6px; PADDING-BOTTOM: 4px; = PADDING-TOP: 4px; BACKGROUND-COLOR: #ffffff } .eventsTitle { FLOAT: left; WIDTH: 120px } .eventsTitle A { FONT-WEIGHT: bold; COLOR: #0066cc; FONT-FAMILY: Arial, Helvetica, = sans-serif } .eventsTitle A:hover { FONT-WEIGHT: bold; COLOR: red; FONT-FAMILY: Arial, Helvetica, = sans-serif } .eventsDate { FONT-WEIGHT: bold; FLOAT: left; WIDTH: 120px; COLOR: #000000; = FONT-FAMILY: Arial, Helvetica, sans-serif } .eventsVenue { FONT-WEIGHT: bold; FLOAT: right; WIDTH: 120px; COLOR: red; FONT-FAMILY: = Arial, Helvetica, sans-serif } .qaexpert { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FONT-SIZE: 12px; PADDING-BOTTOM: = 6px; MARGIN: 0px 0px 6px; PADDING-TOP: 0px; BORDER-BOTTOM: #42421e thin = dotted; FONT-FAMILY: Arial, Helvetica, sans-serif } .qaexpert IMG { PADDING-RIGHT: 6px; PADDING-LEFT: 0px; FLOAT: left; PADDING-BOTTOM: = 6px; PADDING-TOP: 0px } .qaexpert A { COLOR: #000000; TEXT-DECORATION: none } .qaexpert A:hover { COLOR: red; TEXT-DECORATION: none } .q { DISPLAY: inline; FONT-SIZE: 16px; FLOAT: left; WIDTH: 22px } .answer_block { PADDING-RIGHT: 8px; PADDING-LEFT: 8px; PADDING-BOTTOM: 8px; MARGIN: 8px = 0px; PADDING-TOP: 2px; BACKGROUND-COLOR: #d9d9d1 } .answer_block P { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 6px; = LINE-HEIGHT: 16px; PADDING-TOP: 0px } .blog_block { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 6px; = PADDING-TOP: 0px } .blog_block P { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FONT-SIZE: 12px; PADDING-BOTTOM: = 6px; PADDING-TOP: 0px } .arrow_pad { PADDING-TOP: 2px } .qa_post { WIDTH: 330px; BACKGROUND-COLOR: #f2f3fc } .region { FONT-SIZE: 11px; COLOR: red } .expert { FONT-WEIGHT: bold; FONT-SIZE: 14px; COLOR: #42421e } .ftse { FONT-SIZE: 10px; FONT-FAMILY: Arial, Helvetica, sans-serif } .ftse IMG { POSITION: relative; TOP: 12px } .ftse_change { COLOR: #0000ff } .search_name { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FONT-WEIGHT: bold; FONT-SIZE: = 11px; FLOAT: left; PADDING-BOTTOM: 0px; MARGIN: 0px; WIDTH: 224px; = PADDING-TOP: 0px; FONT-FAMILY: Arial, Helvetica, sans-serif } .search_epic { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FONT-WEIGHT: bold; FONT-SIZE: = 11px; FLOAT: right; PADDING-BOTTOM: 0px; MARGIN: 0px; WIDTH: 120px; = PADDING-TOP: 0px; FONT-FAMILY: Arial, Helvetica, sans-serif } .search_index { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FONT-WEIGHT: bold; FONT-SIZE: = 11px; PADDING-BOTTOM: 12px; MARGIN: 0px; WIDTH: 378px; PADDING-TOP: = 12px; FONT-FAMILY: Arial, Helvetica, sans-serif } .search_sector { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FONT-WEIGHT: bold; FONT-SIZE: = 11px; PADDING-BOTTOM: 12px; MARGIN: 0px; WIDTH: 378px; PADDING-TOP: = 12px; FONT-FAMILY: Arial, Helvetica, sans-serif } .share_search { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; MARGIN: = 0px; PADDING-TOP: 0px } .share_search H1 { FONT-SIZE: 20px } .search_text { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; MARGIN: = 0px; WIDTH: 344px; PADDING-TOP: 0px } .password { FONT-FAMILY: Arial, Helvetica, sans-serif } .password A { FONT-SIZE: 11px; COLOR: #ff0000 } .register_head { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FONT-SIZE: 22px; PADDING-BOTTOM: = 12px; COLOR: #ff0000; PADDING-TOP: 8px; ZOOM: 1 } .register_head P { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FONT-SIZE: 22px; PADDING-BOTTOM: = 12px; COLOR: #ff0000; LINE-HEIGHT: normal; PADDING-TOP: 8px; ZOOM: 1; = FONT-FAMILY: "Times New Roman", Times, serif } .reg_form { PADDING-RIGHT: 0px; PADDING-LEFT: 64px; FLOAT: right; PADDING-BOTTOM: = 0px; MARGIN: 0px; WIDTH: 360px; PADDING-TOP: 12px } .login_form { PADDING-RIGHT: 42px; PADDING-LEFT: 0px; FLOAT: left; PADDING-BOTTOM: = 0px; MARGIN: 0px; WIDTH: 360px; PADDING-TOP: 0px } .reg_form INPUT { BORDER-RIGHT: #cccccc 1px solid; PADDING-RIGHT: 4px; BORDER-TOP: = #cccccc 1px solid; PADDING-LEFT: 4px; PADDING-BOTTOM: 4px; BORDER-LEFT: = #cccccc 1px solid; WIDTH: 162px; PADDING-TOP: 4px; BORDER-BOTTOM: = #cccccc 1px solid } .login_form INPUT { BORDER-RIGHT: #cccccc 1px solid; PADDING-RIGHT: 4px; BORDER-TOP: = #cccccc 1px solid; PADDING-LEFT: 4px; PADDING-BOTTOM: 4px; BORDER-LEFT: = #cccccc 1px solid; WIDTH: 162px; PADDING-TOP: 4px; BORDER-BOTTOM: = #cccccc 1px solid } .reg_submit { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 32px; = PADDING-TOP: 0px; TEXT-ALIGN: center } .reg_text { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FONT-SIZE: 11px; FLOAT: left; = PADDING-BOTTOM: 0px; MARGIN: 0px; WIDTH: 168px; PADDING-TOP: 0px; = FONT-FAMILY: Arial, Helvetica, sans-serif } .reg_text_title { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; FONT-SIZE: 11px; FLOAT: left; = PADDING-BOTTOM: 0px; MARGIN: 0px; WIDTH: 168px; PADDING-TOP: 0px; = FONT-FAMILY: Arial, Helvetica, sans-serif } .reg_text_title { BORDER-RIGHT: #990000 1px solid; BORDER-TOP: #990000 1px solid; = BORDER-LEFT: #990000 1px solid; WIDTH: 88px; BORDER-BOTTOM: #990000 1px = solid } .preferences { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 0px; MARGIN: = 0px; PADDING-TOP: 0px } .preferences P { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 8px; MARGIN: = 0px; PADDING-TOP: 0px } .preferences P.small { WIDTH: 220px; COLOR: #ff0000; LINE-HEIGHT: 18px } .preferences .moreList { FLOAT: left; WIDTH: 230px } .preferences .moreList LI { COLOR: #42421e; LINE-HEIGHT: 18px } .reg_covers { PADDING-RIGHT: 8px; PADDING-LEFT: 8px; FLOAT: left; PADDING-BOTTOM: = 132px; WIDTH: 215px; PADDING-TOP: 0px } .thanks_text { FONT-FAMILY: Arial, Helvetica, sans-serif } .subs_button { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 12px; = PADDING-TOP: 12px; TEXT-ALIGN: center } .pass_remind A { FONT-WEIGHT: bold; COLOR: #ff0000; TEXT-DECORATION: none } .pass_remind A:hover { FONT-WEIGHT: bold; COLOR: #000000; TEXT-DECORATION: none } .clear_both { CLEAR: both; PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: = 0px; MARGIN: 0px; LINE-HEIGHT: 10px; PADDING-TOP: 0px } .small { LINE-HEIGHT: 18px } .subPara P { PADDING-RIGHT: 0px; PADDING-LEFT: 0px; PADDING-BOTTOM: 12px; = PADDING-TOP: 0px } .small_covers { PADDING-RIGHT: 8px; PADDING-LEFT: 0px; FLOAT: left; PADDING-BOTTOM: = 8px; PADDING-TOP: 0px } .dark { BACKGROUND-COLOR: #d9d9d1 } TABLE { empty-cells: show } 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3D"Endowments
Endowments are back in = fashion
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Investing in traded endowments

26 March 2009

Martin Fagan investigates the rise of insurance policies = as an=20 attractive defensive asset class.

It has taken a banking crisis, a stock market collapse, a global = credit=20 crunch and interest rates falling to almost zero per cent to make = endowments=20 fashionable again.

Twenty-five years ago, endowments were seen as the Swiss army knife = of=20 financial products, suitable for everything from paying off your = mortgage to=20 school fee planning.

But their fall from grace was as swift as it was spectacular =96 the=20 accusations that the policies were mis-sold and constant headlines in = the=20 financial press that dwindling bonus rates meant the maturity payout = might not=20 cover the outstanding mortgage on a home, all contributed to their=20 near-demise.

=91With-profits endowments are often given a bad press,=92 says Brian = Goldstein,=20 chairman of the Association of Policy Market Makers (APMM). =91But the = last=20 performance survey, published at the end of 2008, showed an average = annual=20 return of 8.3 per cent over 25 years. This means that with-profits = policies=20 outperformed the average of Balanced Managed, UK All Companies and UK = Equity=20 Tracker funds and both instant-access and 90-day notice accounts over = 15, 20 and=20 25 years. It also shows that, over 25 years, the average endowment = returned more=20 than double the average instant-access account.=92

Back = in=20 vogue

So if endowments have never been as awful as they=92ve = been made=20 out to be, why are they suddenly fashionable again? =91I think it is the = way they=20 were perceived by the investing pubic,=92 says Ian Cotgias, senior = actuary at=20 Surrenda-link Investment Management, the advisory and management arm of=20 Surrender-Link, which has been trading endowments since 1990. In that = time, the=20 firm has traded more than =A31 billion of policies.

=91The connection with mortgages was where all the bad publicity in = the 1990s=20 stems from. Because they were sold on the back of unrealistic = expectations, this=20 has detracted from their benefits as an investment class.=92

Cotgias believes the =91smoothing=92 effect of the bonuses =96 where = gains in good=20 years are held back to bolster bonus payments in years when markets have = performed less than spectacularly =96 is an =91enigmatic feature=92 that = makes=20 endowments attractive. The strong guarantees of the sum assured and the = accrued=20 bonuses are augmented by the protected nature of life companies=92 = with-profits=20 funds.

A degree of protection

=91In a life = company, the=20 with-profits fund is ring fenced and, because assets have to match = liabilities,=20 the life company can=92t raid the with-profits fund to pay out as = dividends to=20 shareholders,=92 says Cotgias. =91They are also backed by the FSA=92s = financial=20 compensation scheme. They offer good stability in falling markets = because the=20 maturity values are slow to adjust to the falling market. Surrender = values=20 adjust more quickly to a falling market and are slow to adjust to a = rising=20 market, which is one of the reasons it is better to trade your endowment = than=20 surrender it back to the life company.=92

With-profits endowments are a distinctly British product. And, as = each policy=20 is written on the life of an individual, all are unique, but they have = features=20 in common: the monthly premium, the term of the endowment (usually 25 = years) and=20 the basic sum assured. When the policy finishes its term, the = accumulated annual=20 profits and the basic sum assured are paid to the policyholder. This can = be=20 augmented by a =91terminal=92 bonus, but this is discretionary and = isn=92t=20 guaranteed.

A contrasting model
In the USA, they do things = slightly=20 differently. They don=92t have traded endowment policies (TEPs) but they = do have=20 traded life policies (TLPs), otherwise known as =91life settlements=92. = So what=92s=20 the difference between the two?

=91They differ in very important ways, which affects their = performance as asset=20 classes,=92 says Jeremy Leach, managing director of Managing Partners = Ltd (MPL),=20 an investment house that also offers advice and consultancy on the = acquisition=20 of TLPs.

=91A TEP is an asset that is tightly correlated to all the other = major asset=20 classes =96 shares, bonds, property and cash =96 none of which are doing = brilliantly=20 at the moment. When you buy a TEP, you=92re buying a savings plan and = projected=20 maturity value at a fairly hefty outlay, and your return is the maturity = value=20 minus the purchase price and the monthly premiums you=92ve paid.=92

A TLP differs in that it is a =91whole of life=92 insurance policy = that lasts for=20 the lifetime of the holder =96 it is basically life assurance =96 and = they are=20 always assignable so can be traded or sold on. The buyer of the policy = pays the=20 premiums and when the policyholder dies, the buyer gets the insurance=20 payout.

=91A TLP has absolutely no value to the holder,=92 says Jeremy Leach. = =91The buyer=20 is negotiating the price up from zero, so is more in control of locking = in an=20 eventual return. In the USA, 93 per cent of life policies lapse because = the=20 holder stops paying the premiums. In 2008, that meant $1.4 trillion =96 = yes,=20 trillion =96 of life cover lapsed without value. If someone needs cash, = it is=20 better to raise it on a life policy that has no value to them than = selling the=20 family home.=92

Weighing up the prospects
Leach says that both = TEPs and=20 TLPs have three factors =96 premium, longevity and final value =96 two = of which are=20 known and one unknown. =91With a TEP, you know the monthly premium, you = know when=20 the policy will mature but you don=92t know how much the payout will = be,=92 he says.=20 =91With a TLP, you know what the premiums will be, you know how much = you=92ll get=20 but you don=92t know when you=92ll get it.=92

For the UK life industry, the business involved with writing new = with-profits=20 endowment policies is almost non-existent. When the endowments that life = offices=20 issued back in the 1980s and 1990s are either surrendered or mature, the = market=20 could dry up. But that is not the case with TLPs.

A recent report by the Pensions Institute predicted that the market = in TLPs=20 will grow more than tenfold in the next few years. The market is = currently worth=20 around =A36.5 billion; according to the Institute=92s estimates, it = could soon be=20 worth =A380 billion.

A report published in December 2008 by Professor Merlin Stone of the = Bristol=20 Business School estimates that, in 2006, approximately $23 trillion of = death=20 benefit existed in the USA and that $1.5 trillion of new life cover is = sold each=20 year. However, most of the people involved with the TLP market are keen = to=20 dispel any thoughts in the minds of investors that TLPs are the same as = their=20 predecessors, viatical settlements.

An improved formula
=91Viaticals were most = definitely the=20 bad old days,=92 says Peter Winders, a director of EEA Fund Management = (Guernsey)=20 Ltd, which manages the EEA Life Settlements Fund. =91Viaticals boomed in = America=20 following the emergence of the AIDS epidemic in the late 1980s, as most = of the=20 disease=92s victims were gay men who had none of the traditional life = insurance=20 policy arrangements and needed funds to meet costly medical bills. With=20 mortality rates high and life expectancy short, viatical settlements = were=20 mutually beneficial to seller and investor.=92

However, advances in medicine meant that some patients began to = outlive their=20 prognoses, and some went into complete remission. Others even managed to = outlast=20 their investors. This prompted a few unscrupulous souls to portray = themselves as=20 desperately ill and sell their policies repeatedly, knowing full well = that they=20 would probably survive to a grand old age.

=91Equally unscrupulous investors then decided to take advantage of a = deteriorating situation,=92 says Winders. =91Some collected money but = never invested=20 it. Others sold on policies to individuals who had little understanding = of what=20 they were buying. The result was a rather sleazy mess. Nowadays, life=20 settlements offer a completely different market, with reputable firms = taking=20 every step to ensure there can be no return to the scandals of = old.=92

Spreading your risk
For investors interested in = what=20 Managing Partners=92 Jeremy Leach calls =91a steady asset class = completely=20 uncorrelated to all the other major asset classes=92, the black art of = actuarial=20 science proves that the best way to access TLPs is through a fund of = TLPs.

Just as holding shares in a single company is hugely risky, so is = holding one=20 TLP, as the person on whose life the payout depends might live longer = than you.=20 Lots of policies in a portfolio means not only diversification, but also = a=20 reduction in volatility as the accuracy of the actuaries=92 mortality = tables means=20 a steady stream of maturing policies.

=91Wherever you look, the story is broadly similar in terms of = negative returns=20 from
all major asset classes =96 apart from life settlements,=92 = says Andrew=20 Walters, financial director at Policy Selection Ltd (PSL), which manages = the=20 Assured Fund. =91Stock market volatility in 2008 saw many investors = making a=20 flight to cash to shield against falling equity values. But that cash is = now=20 doing nothing as the Bank of England has slashed its base rate to the = lowest=20 level in history.=92

Consistent and stable=20 returns

Walters believes that investors are looking for more = reliable investment vehicles that offer a degree of consistency. = =91Older=20 investors, in particular, now face the stark reality of being in = negative=20 territory with their cash, as savings accounts are not keeping pace with = the=20 cost of living,=92 he says. =91Given the current volatility in global = stock markets,=20 investors wanting a core capital growth investment alternative to bonds = and=20 gilts =96 and of course cash funds =96 will be attracted to our = fund.=92

According to Walters, since going live in January 2005, the Assured = Fund has=20 now delivered 48 consecutive months of positive returns. The Fund=92s = Sterling=20 Class B =96 available for investment by private retail investors =96 has = outperformed rival asset classes such as equities, bonds and gilts over = the past=20 four years, with an average return of just over ten per cent a year.

Managing Partners=92 Jeremy Leach says he expects its fund of TLPs to = return=20 around nine per cent per annum. =91It is a boring asset class but with a = realistic=20 level of return,=92 says Leach. =91TLPs do deserve their place as a core = asset. In a=20 balanced portfolio, you should have access to assets that are cyclical = =96 shares,=20 bonds and property =96 but these can be stabilised by something a little = more=20 mundane that=92s not correlated to the cyclical assets. And that=92s = where TLPs come=20 into their own.=92

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