<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional //EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd"><html style="margin: 0;padding: 0;" xmlns="http://www.w3.org/1999/xhtml"><head>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8">
    <title></title>
    <!--[if !mso]><!--><meta http-equiv="X-UA-Compatible" content="IE=edge"><!--<![endif]-->
    <meta name="viewport" content="width=device-width"><style type="text/css">
@media only screen and (min-width: 620px){.column{}.wrapper{min-width:600px !important}.wrapper h1{}.wrapper h1{font-size:56px !important;line-height:60px !important}.wrapper h2{}.wrapper h2{font-size:24px !important;line-height:32px !important}.wrapper h3{}.wrapper h3{font-size:18px !important;line-height:26px !important}.wrapper .size-8,.wrapper .size-8-m,.wrapper .size-8-l{font-size:8px !important;line-height:14px !important}.wrapper .size-8-m{line-height:16px !important}.wrapper .size-8-l{line-height:24px !important}.wrapper .size-9,.wrapper .size-9-m,.wrapper .size-9-l{font-size:9px !important;line-height:16px !important}.wrapper .size-9-m{line-height:18px !important}.wrapper .size-9-l{line-height:27px !important}.wrapper .size-10,.wrapper .size-10-m,.wrapper .size-10-l{font-size:10px !important;line-height:18px !important}.wrapper .size-10-m{line-height:20px !important}.wrapper 
.size-10-l{line-height:30px !important}.wrapper .size-11,.wrapper .size-11-m,.wrapper .size-11-l{font-size:11px !important;line-height:19px !important}.wrapper .size-11-m{line-height:22px !important}.wrapper .size-11-l{line-height:33px !important}.wrapper .size-12,.wrapper .size-12-m,.wrapper .size-12-l{font-size:12px !important;line-height:19px !important}.wrapper .size-12-m{line-height:24px !important}.wrapper .size-12-l{line-height:36px !important}.wrapper .size-13,.wrapper .size-13-m,.wrapper .size-13-l{font-size:13px !important;line-height:21px !important}.wrapper .size-13-m{line-height:26px !important}.wrapper .size-13-l{line-height:39px !important}.wrapper .size-14,.wrapper .size-14-m,.wrapper .size-14-l{font-size:14px !important;line-height:21px !important}.wrapper .size-14-m{line-height:28px !important}.wrapper .size-14-l{line-height:42px !important}.wrapper .size-15,.wrapper 
.size-15-m,.wrapper .size-15-l{font-size:15px !important;line-height:23px !important}.wrapper .size-15-m{line-height:30px !important}.wrapper .size-15-l{line-height:45px !important}.wrapper .size-16,.wrapper .size-16-m,.wrapper .size-16-l{font-size:16px !important;line-height:24px !important}.wrapper .size-16-m{line-height:32px !important}.wrapper .size-16-l{line-height:48px !important}.wrapper .size-17,.wrapper .size-17-m,.wrapper .size-17-l{font-size:17px !important;line-height:26px !important}.wrapper .size-17-m{line-height:34px !important}.wrapper .size-17-l{line-height:51px !important}.wrapper .size-18,.wrapper .size-18-m,.wrapper .size-18-l{font-size:18px !important;line-height:26px !important}.wrapper .size-18-m{line-height:36px !important}.wrapper .size-18-l{line-height:54px !important}.wrapper .size-20,.wrapper .size-20-m,.wrapper .size-20-l{font-size:20px 
!important;line-height:28px !important}.wrapper .size-20-m{line-height:40px !important}.wrapper .size-20-l{line-height:60px !important}.wrapper .size-22,.wrapper .size-22-m,.wrapper .size-22-l{font-size:22px !important;line-height:31px !important}.wrapper .size-22-m{line-height:44px !important}.wrapper .size-22-l{line-height:66px !important}.wrapper .size-24,.wrapper .size-24-m,.wrapper .size-24-l{font-size:24px !important;line-height:32px !important}.wrapper .size-24-m{line-height:48px !important}.wrapper .size-24-l{line-height:72px !important}.wrapper .size-26,.wrapper .size-26-m,.wrapper .size-26-l{font-size:26px !important;line-height:34px !important}.wrapper .size-26-m{line-height:52px !important}.wrapper .size-26-l{line-height:78px !important}.wrapper .size-28,.wrapper .size-28-m,.wrapper .size-28-l{font-size:28px !important;line-height:36px !important}.wrapper 
.size-28-m{line-height:56px !important}.wrapper .size-28-l{line-height:84px !important}.wrapper .size-30,.wrapper .size-30-m,.wrapper .size-30-l{font-size:30px !important;line-height:38px !important}.wrapper .size-30-m{line-height:60px !important}.wrapper .size-30-l{line-height:90px !important}.wrapper .size-32,.wrapper .size-32-m,.wrapper .size-32-l{font-size:32px !important;line-height:40px !important}.wrapper .size-32-m{line-height:64px !important}.wrapper .size-32-l{line-height:96px !important}.wrapper .size-34,.wrapper .size-34-m,.wrapper .size-34-l{font-size:34px !important;line-height:43px !important}.wrapper .size-34-m{line-height:68px !important}.wrapper .size-34-l{line-height:102px !important}.wrapper .size-36,.wrapper .size-36-m,.wrapper .size-36-l{font-size:36px !important;line-height:43px !important}.wrapper .size-36-m{line-height:72px !important}.wrapper 
.size-36-l{line-height:108px !important}.wrapper .size-40,.wrapper .size-40-m,.wrapper .size-40-l{font-size:40px !important;line-height:47px !important}.wrapper .size-40-m{line-height:80px !important}.wrapper .size-40-l{line-height:120px !important}.wrapper .size-44,.wrapper .size-44-m,.wrapper .size-44-l{font-size:44px !important;line-height:50px !important}.wrapper .size-44-m{line-height:88px !important}.wrapper .size-44-l{line-height:132px !important}.wrapper .size-48,.wrapper .size-48-m,.wrapper .size-48-l{font-size:48px !important;line-height:54px !important}.wrapper .size-48-m{line-height:96px !important}.wrapper .size-48-l{line-height:144px !important}.wrapper .size-56,.wrapper .size-56-m,.wrapper .size-56-l{font-size:56px !important;line-height:60px !important}.wrapper .size-56-m{line-height:112px !important}.wrapper .size-56-l{line-height:168px !important}.wrapper 
.size-64,.wrapper .size-64-m,.wrapper .size-64-l{font-size:64px !important;line-height:68px !important}.wrapper .size-64-m{line-height:128px !important}.wrapper .size-64-l{line-height:192px !important}.wrapper .size-72,.wrapper .size-72-m,.wrapper .size-72-l{font-size:72px !important;line-height:76px !important}.wrapper .size-72-m{line-height:144px !important}.wrapper .size-72-l{line-height:216px !important}.wrapper .size-80,.wrapper .size-80-m,.wrapper .size-80-l{font-size:80px !important;line-height:84px !important}.wrapper .size-80-m{line-height:160px !important}.wrapper .size-80-l{line-height:240px !important}.wrapper .size-96,.wrapper .size-96-m,.wrapper .size-96-l{font-size:96px !important;line-height:100px !important}.wrapper .size-96-m{line-height:192px !important}.wrapper .size-96-l{line-height:288px !important}.wrapper .size-112,.wrapper .size-112-m,.wrapper 
.size-112-l{font-size:112px !important;line-height:116px !important}.wrapper .size-112-m{line-height:224px !important}.wrapper .size-112-l{line-height:336px !important}.wrapper .size-128,.wrapper .size-128-m,.wrapper .size-128-l{font-size:128px !important;line-height:132px !important}.wrapper .size-128-m{line-height:256px !important}.wrapper .size-128-l{line-height:384px !important}.wrapper .size-144,.wrapper .size-144-m,.wrapper .size-144-l{font-size:144px !important;line-height:148px !important}.wrapper .size-144-m{line-height:288px !important}.wrapper .size-144-l{line-height:432px !important}}
</style>
    <meta name="x-apple-disable-message-reformatting">
    <style type="text/css">
.main, .mso {
  margin: 0;
  padding: 0;
}
table {
  border-collapse: collapse;
  table-layout: fixed;
}
* {
  line-height: inherit;
}
[x-apple-data-detectors] {
  color: inherit !important;
  text-decoration: none !important;
}
.wrapper .footer__share-button a:hover,
.wrapper .footer__share-button a:focus {
  color: #ffffff !important;
}
.wrapper .footer__share-button a.icon-white:hover,
.wrapper .footer__share-button a.icon-white:focus {
  color: #ffffff !important;
}
.wrapper .footer__share-button a.icon-black:hover,
.wrapper .footer__share-button a.icon-black:focus {
  color: #000000 !important;
}
.btn a:hover,
.btn a:focus,
.footer__share-button a:hover,
.footer__share-button a:focus,
.email-footer__links a:hover,
.email-footer__links a:focus {
  opacity: 0.8;
}
.preheader,
.header,
.layout,
.column {
  transition: width 0.25s ease-in-out, max-width 0.25s ease-in-out;
}
.preheader td {
  padding-bottom: 8px;
}
.layout,
div.header {
  max-width: 400px !important;
  -fallback-width: 95% !important;
  width: calc(100% - 20px) !important;
}
div.preheader {
  max-width: 360px !important;
  -fallback-width: 90% !important;
  width: calc(100% - 60px) !important;
}
.snippet,
.webversion {
  Float: none !important;
}
.stack .column {
  max-width: 400px !important;
  width: 100% !important;
}
.fixed-width.has-border {
  max-width: 402px !important;
}
.fixed-width.has-border .layout__inner {
  box-sizing: border-box;
}
.snippet,
.webversion {
  width: 50% !important;
}
.mso .layout__edges {
  font-size: 0;
}
.layout-fixed-width,
.mso .layout-full-width {
  background-color: #ffffff;
}
@media only screen and (min-width: 620px) {
  .column,
  .gutter {
    display: table-cell;
    Float: none !important;
    vertical-align: top;
  }
  div.preheader,
  .email-footer {
    max-width: 560px !important;
    width: 560px !important;
  }
  .snippet,
  .webversion {
    width: 280px !important;
  }
  div.header,
  .layout,
  .one-col .column {
    max-width: 600px !important;
    width: 600px !important;
  }
  .fixed-width.has-border,
  .fixed-width.x_has-border,
  .has-gutter.has-border,
  .has-gutter.x_has-border {
    max-width: 602px !important;
    width: 602px !important;
  }
  .two-col .column {
    max-width: 300px !important;
    width: 300px !important;
  }
  .three-col .column,
  .column.narrow,
  .column.x_narrow {
    max-width: 200px !important;
    width: 200px !important;
  }
  .column.wide,
  .column.x_wide {
    width: 400px !important;
  }
  .two-col.has-gutter .column,
  .two-col.x_has-gutter .column {
    max-width: 290px !important;
    width: 290px !important;
  }
  .three-col.has-gutter .column,
  .three-col.x_has-gutter .column,
  .has-gutter .narrow {
    max-width: 188px !important;
    width: 188px !important;
  }
  .has-gutter .wide {
    max-width: 394px !important;
    width: 394px !important;
  }
  .two-col.has-gutter.has-border .column,
  .two-col.x_has-gutter.x_has-border .column {
    max-width: 292px !important;
    width: 292px !important;
  }
  .three-col.has-gutter.has-border .column,
  .three-col.x_has-gutter.x_has-border .column,
  .has-gutter.has-border .narrow,
  .has-gutter.x_has-border .narrow {
    max-width: 190px !important;
    width: 190px !important;
  }
  .has-gutter.has-border .wide,
  .has-gutter.x_has-border .wide {
    max-width: 396px !important;
    width: 396px !important;
  }
}
@supports (display: flex) {
  @media only screen and (min-width: 620px) {
    .fixed-width.has-border .layout__inner {
      display: flex !important;
    }
  }
}
/***
* Mobile Styles
*
* 1. Overriding inline styles
*/
@media(max-width: 619px) {
  .email-flexible-footer .left-aligned-footer .column,
  .email-flexible-footer .center-aligned-footer,
  .email-flexible-footer .right-aligned-footer .column {
    max-width: 100% !important; /* [1] */
    text-align: center !important; /* [1] */
    width: 100% !important; /* [1] */
  }
  .flexible-footer-logo {
    margin-left: 0px !important; /* [1] */
    margin-right: 0px !important; /* [1] */
  }
  .email-flexible-footer .left-aligned-footer .flexible-footer__share-button__container,
  .email-flexible-footer .center-aligned-footer .flexible-footer__share-button__container,
  .email-flexible-footer .right-aligned-footer .flexible-footer__share-button__container {
    display: inline-block;
    margin-left: 5px !important; /* [1] */
    margin-right: 5px !important; /* [1] */
  }
  .email-flexible-footer__additionalinfo--center {
    text-align: center !important; /* [1] */
  }
  
  .email-flexible-footer .left-aligned-footer table,
  .email-flexible-footer .center-aligned-footer table,
  .email-flexible-footer .right-aligned-footer table {
    display: table !important; /* [1] */
    width: 100% !important; /* [1] */
  }
  .email-flexible-footer .footer__share-button,
  .email-flexible-footer .email-footer__additional-info {
    margin-left: 20px;
    margin-right: 20px;
  }
}
@media only screen and (-webkit-min-device-pixel-ratio: 2), only screen and (min--moz-device-pixel-ratio: 2), only screen and (-o-min-device-pixel-ratio: 2/1), only screen and (min-device-pixel-ratio: 2), only screen and (min-resolution: 192dpi), only screen and (min-resolution: 2dppx) {
  .fblike {
    background-image: url(http://i7.cmail20.com/static/eb/master/13-the-blueprint-3/images/fblike@2x.png) !important;
  }
  .tweet {
    background-image: url(http://i8.cmail20.com/static/eb/master/13-the-blueprint-3/images/tweet@2x.png) !important;
  }
  .linkedinshare {
    background-image: url(http://i9.cmail20.com/static/eb/master/13-the-blueprint-3/images/lishare@2x.png) !important;
  }
  .forwardtoafriend {
    background-image: url(http://i10.cmail20.com/static/eb/master/13-the-blueprint-3/images/forward@2x.png) !important;
  }
}
@media (max-width: 321px) {
  .fixed-width.has-border .layout__inner {
    border-width: 1px 0 !important;
  }
  .layout,
  .stack .column {
    min-width: 320px !important;
    width: 320px !important;
  }
  .border {
    display: none;
  }
  .has-gutter .border {
    display: table-cell;
  }
}
.cmctbl--inline table {
  border-collapse: collapse;
}
</style>
    
  <style type="text/css">
.main,.mso{background-color:#fff}.logo a:hover,.logo a:focus{color:#1e2e3b !important}.footer-logo a:hover,.footer-logo a:focus{color:#372d1b !important}.mso .layout-has-border{border-top:1px solid #ccc;border-bottom:1px solid #ccc}.mso .layout-has-bottom-border{border-bottom:1px solid #ccc}.mso .border{background-color:#ccc}.mso h1{}.mso h1{font-size:56px !important;line-height:60px !important}.mso h2{}.mso h2{font-size:24px !important;line-height:32px !important}.mso h3{}.mso h3{font-size:18px !important;line-height:26px !important}.mso .layout__inner{}.mso .footer__share-button p{}.mso .footer__share-button p{font-family:sans-serif}
</style><!--[if mso]><style type="text/css" emb-not-inline>
.mso div{border:0 none white !important}.mso .w560 .divider{}.mso .w560 .divider{Margin-left:260px !important;Margin-right:260px !important}.mso .w360 .divider{}.mso .w360 .divider{Margin-left:160px !important;Margin-right:160px !important}.mso .w260 .divider{}.mso .w260 .divider{Margin-left:110px !important;Margin-right:110px !important}.mso .w160 .divider{}.mso .w160 .divider{Margin-left:60px !important;Margin-right:60px !important}.mso .w60 .divider{}.mso .w60 .divider{Margin-left:10px !important;Margin-right:10px !important}.mso .w354 .divider{}.mso .w354 .divider{Margin-left:157px !important;Margin-right:157px !important}.mso .w250 .divider{}.mso .w250 .divider{Margin-left:105px !important;Margin-right:105px !important}.mso .w148 .divider{}.mso .w148 .divider{Margin-left:54px !important;Margin-right:54px !important}.mso .size-8,.mso .size-8-m,.mso .size-8-l{font-size:8px 
!important;line-height:14px !important}.mso .size-8-m{line-height:16px !important}.mso .size-8-l{line-height:24px !important}.mso .size-9,.mso .size-9-m,.mso .size-9-l{font-size:9px !important;line-height:16px !important}.mso .size-9-m{line-height:18px !important}.mso .size-9-l{line-height:27px !important}.mso .size-10,.mso .size-10-m,.mso .size-10-l{font-size:10px !important;line-height:18px !important}.mso .size-10-m{line-height:20px !important}.mso .size-10-l{line-height:30px !important}.mso .size-11,.mso .size-11-m,.mso .size-11-l{font-size:11px !important;line-height:19px !important}.mso .size-11-m{line-height:22px !important}.mso .size-11-l{line-height:33px !important}.mso .size-12,.mso .size-12-m,.mso .size-12-l{font-size:12px !important;line-height:19px !important}.mso .size-12-m{line-height:24px !important}.mso .size-12-l{line-height:36px !important}.mso .size-13,.mso 
.size-13-m,.mso .size-13-l{font-size:13px !important;line-height:21px !important}.mso .size-13-m{line-height:26px !important}.mso .size-13-l{line-height:39px !important}.mso .size-14,.mso .size-14-m,.mso .size-14-l{font-size:14px !important;line-height:21px !important}.mso .size-14-m{line-height:28px !important}.mso .size-14-l{line-height:42px !important}.mso .size-15,.mso .size-15-m,.mso .size-15-l{font-size:15px !important;line-height:23px !important}.mso .size-15-m{line-height:30px !important}.mso .size-15-l{line-height:45px !important}.mso .size-16,.mso .size-16-m,.mso .size-16-l{font-size:16px !important;line-height:24px !important}.mso .size-16-m{line-height:32px !important}.mso .size-16-l{line-height:48px !important}.mso .size-17,.mso .size-17-m,.mso .size-17-l{font-size:17px !important;line-height:26px !important}.mso .size-17-m{line-height:34px !important}.mso 
.size-17-l{line-height:51px !important}.mso .size-18,.mso .size-18-m,.mso .size-18-l{font-size:18px !important;line-height:26px !important}.mso .size-18-m{line-height:36px !important}.mso .size-18-l{line-height:54px !important}.mso .size-20,.mso .size-20-m,.mso .size-20-l{font-size:20px !important;line-height:28px !important}.mso .size-20-m{line-height:40px !important}.mso .size-20-l{line-height:60px !important}.mso .size-22,.mso .size-22-m,.mso .size-22-l{font-size:22px !important;line-height:31px !important}.mso .size-22-m{line-height:44px !important}.mso .size-22-l{line-height:66px !important}.mso .size-24,.mso .size-24-m,.mso .size-24-l{font-size:24px !important;line-height:32px !important}.mso .size-24-m{line-height:48px !important}.mso .size-24-l{line-height:72px !important}.mso .size-26,.mso .size-26-m,.mso .size-26-l{font-size:26px !important;line-height:34px !important}.mso 
.size-26-m{line-height:52px !important}.mso .size-26-l{line-height:78px !important}.mso .size-28,.mso .size-28-m,.mso .size-28-l{font-size:28px !important;line-height:36px !important}.mso .size-28-m{line-height:56px !important}.mso .size-28-l{line-height:84px !important}.mso .size-30,.mso .size-30-m,.mso .size-30-l{font-size:30px !important;line-height:38px !important}.mso .size-30-m{line-height:60px !important}.mso .size-30-l{line-height:90px !important}.mso .size-32,.mso .size-32-m,.mso .size-32-l{font-size:32px !important;line-height:40px !important}.mso .size-32-m{line-height:64px !important}.mso .size-32-l{line-height:96px !important}.mso .size-34,.mso .size-34-m,.mso .size-34-l{font-size:34px !important;line-height:43px !important}.mso .size-34-m{line-height:68px !important}.mso .size-34-l{line-height:102px !important}.mso .size-36,.mso .size-36-m,.mso .size-36-l{font-size:36px 
!important;line-height:43px !important}.mso .size-36-m{line-height:72px !important}.mso .size-36-l{line-height:108px !important}.mso .size-40,.mso .size-40-m,.mso .size-40-l{font-size:40px !important;line-height:47px !important}.mso .size-40-m{line-height:80px !important}.mso .size-40-l{line-height:120px !important}.mso .size-44,.mso .size-44-m,.mso .size-44-l{font-size:44px !important;line-height:50px !important}.mso .size-44-m{line-height:88px !important}.mso .size-44-l{line-height:132px !important}.mso .size-48,.mso .size-48-m,.mso .size-48-l{font-size:48px !important;line-height:54px !important}.mso .size-48-m{line-height:96px !important}.mso .size-48-l{line-height:144px !important}.mso .size-56,.mso .size-56-m,.mso .size-56-l{font-size:56px !important;line-height:60px !important}.mso .size-56-m{line-height:112px !important}.mso .size-56-l{line-height:168px !important}.mso 
.size-64,.mso .size-64-m,.mso .size-64-l{font-size:64px !important;line-height:68px !important}.mso .size-64-m{line-height:128px !important}.mso .size-64-l{line-height:192px !important}.mso .size-72,.mso .size-72-m,.mso .size-72-l{font-size:72px !important;line-height:76px !important}.mso .size-72-m{line-height:144px !important}.mso .size-72-l{line-height:216px !important}.mso .size-80,.mso .size-80-m,.mso .size-80-l{font-size:80px !important;line-height:84px !important}.mso .size-80-m{line-height:160px !important}.mso .size-80-l{line-height:240px !important}.mso .size-96,.mso .size-96-m,.mso .size-96-l{font-size:96px !important;line-height:100px !important}.mso .size-96-m{line-height:192px !important}.mso .size-96-l{line-height:288px !important}.mso .size-112,.mso .size-112-m,.mso .size-112-l{font-size:112px !important;line-height:116px !important}.mso .size-112-m{line-height:224px 
!important}.mso .size-112-l{line-height:336px !important}.mso .size-128,.mso .size-128-m,.mso .size-128-l{font-size:128px !important;line-height:132px !important}.mso .size-128-m{line-height:256px !important}.mso .size-128-l{line-height:384px !important}.mso .size-144,.mso .size-144-m,.mso .size-144-l{font-size:144px !important;line-height:148px !important}.mso .size-144-m{line-height:288px !important}.mso .size-144-l{line-height:432px !important}.mso .cmctbl table td,.mso .cmctbl table th{Margin-left:20px !important;Margin-right:20px !important}.mso .cmctbl- -inline,.mso .cmctbl{padding-left:20px !important;padding-right:20px !important}.mso .cmctbl- -inline table,.mso .cmctbl 
table{mso-table-lspace:0pt;mso-table-rspace:0pt;mso-line-height-rule:exactly}.size-8,.size-9{mso-text-raise:9px}.size-34,h1{mso-text-raise:13px}.size-36{mso-text-raise:14px}.size-40{mso-text-raise:16px}.size-44{mso-text-raise:17px}.size-48{mso-text-raise:18px}.size-56{mso-text-raise:22px}.size-64{mso-text-raise:25px}.size-72{mso-text-raise:28px}.size-80{mso-text-raise:32px}.size-96{mso-text-raise:40px}.size-112{mso-text-raise:46px}.size-128{mso-text-raise:54px}.size-144{mso-text-raise:58px}.size-11-m,.size-12-m{mso-text-raise:6px}.size-13-m,.size-14-m{mso-text-raise:7px}.size-15-m,.size-16-m,.size-8-l{mso-text-raise:8px}.size-17-m,.size-18-m{mso-text-raise:9px}.size-20-m,.size-10-l{mso-text-raise:10px}.size-22-m,.size-11-l{mso-text-raise:11px}.size-24-m,.size-12-l{mso-text-raise:12px}.size-26-m,.size-13-l{mso-text-raise:13px}.size-28-m,.size-14-l{mso-text-raise:14px}.size-30-m,.size-15-l{mso-text-raise:15px}.size-32-m,.size-16-l{mso-text-raise:16px}.size-34-m,.size-17-l{mso-text-raise:17px}.size-36-m,.size-18-l{mso-text-raise:18px}.size-40-m,.size-20-l{mso-text-raise:20px}.size-44-m,.size-22-l{mso-text-raise:22px}.size-48-m,.size-24-l{mso-text-raise:24px}.size-26-l{mso-text-raise:26px}.size-56-m,.size-28-l{mso-text-raise:28px}.size-30-l{mso-text-raise:30px}.size-64-m,.size-32-l{mso-text-raise:32px}.size-34-l{mso-text-raise:34px}.size-72-m,.size-36-l{mso-text-raise:36px}.size-80-m,.size-40-l{mso-text-raise:40px}.size-44-l{mso-text-raise:44px}.size-96-m,.size-48-l{mso-text-raise:48px}.size-112-m,.size-56-l{mso-text-raise:56px}.size-128-m,.size-64-l{mso-text-raise:64px}.size-144-m,.size-72-l{mso-text-raise:72px}.size-80-l{mso-text-raise:80px}.size-96-l{mso-text-raise:96px}.size-112-l{mso-text-raise:112px}.size-128-l{mso-text-raise:128px}.size-144-l{mso-text-raise:144px}

</style><![endif]--></head>
<!--[if mso]>
  <body class="mso">
<![endif]-->
<!--[if !mso]><!-->
  <body class="main full-padding" style="margin: 0;padding: 0;-webkit-text-size-adjust: 100%;">
<!--<![endif]-->
    <table class="wrapper" style="border-collapse: collapse;table-layout: fixed;min-width: 320px;width: 100%;background-color: #fff;" cellpadding="0" cellspacing="0" role="presentation"><tbody><tr><td>
      <div role="banner">
        <div class="preheader" style="Margin: 0 auto;max-width: 560px;min-width: 280px; width: 280px;width: calc(28000% - 167440px);">
          <div style="border-collapse: collapse;display: table;width: 100%;">
          <!--[if mso]><table align="center" class="preheader" cellpadding="0" cellspacing="0" role="presentation"><tr><td style="width: 280px" valign="top"><![endif]-->
            <div class="snippet" style="display: table-cell;Float: left;font-size: 12px;line-height: 19px;max-width: 280px;min-width: 140px; width: 140px;width: calc(14000% - 78120px);padding: 10px 0 5px 0;color: #999;font-family: sans-serif;">
              
            </div>
          <!--[if mso]></td><td style="width: 280px" valign="top"><![endif]-->
            <div class="webversion" style="display: table-cell;Float: left;font-size: 12px;line-height: 19px;max-width: 280px;min-width: 139px; width: 139px;width: calc(14100% - 78680px);padding: 10px 0 5px 0;text-align: right;color: #999;font-family: sans-serif;">
              <p style="Margin-top: 0;Margin-bottom: 0;" emb-social="webversion">No images? <a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #999;" href="https://cover.cmail20.com/t/d-e-etlhuit-tuxkulyjy-yh/">Click here</a></p>
            </div>
          <!--[if mso]></td></tr></table><![endif]-->
          </div>
        </div>
        
      </div>
      <div>
      <div style="background-color: #ffffff;">
        <div class="layout one-col stack" style="Margin: 0 auto;max-width: 600px;min-width: 320px; width: 320px;width: calc(28000% - 167400px);overflow-wrap: break-word;word-wrap: break-word;word-break: break-word;">
          <div class="layout__inner" style="border-collapse: collapse;display: table;width: 100%;">
          <!--[if mso]><table width="100%" cellpadding="0" cellspacing="0" role="presentation"><tr class="layout-full-width" style="background-color: #ffffff;"><td class="layout__edges">&nbsp;</td><td style="width: 600px" class="w560"><![endif]-->
            <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;">
            
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;" align="center">
          <a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail20.com/t/d-l-etlhuit-tuxkulyjy-r/"><img class="gnd-corner-image gnd-corner-image-center gnd-corner-image-top gnd-corner-image-bottom" style="border: 0;display: block;height: auto;width: 100%;max-width: 700px;" alt="Mindshift newsletter by COVER" width="600" src="http://i1.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/Mindshift-ByCOVER-9900000000079e3c.png"></a>
        </div>
      
            </div>
          <!--[if mso]></td><td class="layout__edges">&nbsp;</td></tr></table><![endif]-->
          </div>
        </div>
      </div>
  
      <div class="layout fixed-width stack" style="Margin: 0 auto;max-width: 600px;min-width: 320px; width: 320px;width: calc(28000% - 167400px);overflow-wrap: break-word;word-wrap: break-word;word-break: break-word;">
        <div class="layout__inner" style="border-collapse: collapse;display: table;width: 100%;background-color: #ffffff;">
        <!--[if mso]><table align="center" cellpadding="0" cellspacing="0" role="presentation"><tr class="layout-fixed-width" style="background-color: #ffffff;"><td style="width: 400px" valign="top" class="w360"><![endif]-->
          <div class="column wide" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;Float: left;max-width: 400px;min-width: 320px; width: 320px;width: calc(8000% - 47600px);">
          
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;Margin-bottom: 24px;">
      <div class="btn btn--flat fullwidth btn--large" style="text-align: center;">
        <!--[if !mso]><!--><a style="border-radius: 4px;display: block;font-size: 14px;font-weight: bold;line-height: 24px;padding: 12px 24px;text-align: center;text-decoration: none !important;transition: opacity 0.1s ease-in;color: #000000 !important;background-color: #f7d701;font-family: sans-serif;" href="https://cover.forwardtomyfriend.com/d-tuxkulyjy-E0F23179-etlhuit-l-yk">Share Mindshift with a colleague</a><!--<![endif]-->
      <!--[if mso]><p style="line-height:0;margin:0;">&nbsp;</p><v:roundrect xmlns:v="urn:schemas-microsoft-com:vml" href="https://cover.forwardtomyfriend.com/d-tuxkulyjy-E0F23179-etlhuit-l-yk" style="width:270pt" arcsize="9%" fillcolor="#F7D701" stroke="f"><v:textbox style="mso-fit-shape-to-text:t" inset="0pt,8.25pt,0pt,8.25pt"><center style="font-size:14px;line-height:24px;color:#000000;font-family:sans-serif;font-weight:bold;mso-line-height-rule:exactly;mso-text-raise:1.5px">Share Mindshift with a colleague</center></v:textbox></v:roundrect><![endif]--></div>
    </div>
          
          </div>
        <!--[if mso]></td><td style="width: 200px" valign="top" class="w160"><![endif]-->
          <div class="column narrow" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;Float: left;max-width: 320px;min-width: 200px; width: 320px;width: calc(72200px - 12000%);">
          
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;Margin-bottom: 24px;">
      <div class="btn btn--flat fullwidth btn--large" style="text-align: center;">
        <!--[if !mso]><!--><a style="border-radius: 4px;display: block;font-size: 14px;font-weight: bold;line-height: 24px;padding: 12px 24px;text-align: center;text-decoration: none !important;transition: opacity 0.1s ease-in;color: #000000 !important;background-color: #f7d701;font-family: sans-serif;" href="https://cover.cmail20.com/t/d-l-etlhuit-tuxkulyjy-y/">Subscribe</a><!--<![endif]-->
      <!--[if mso]><p style="line-height:0;margin:0;">&nbsp;</p><v:roundrect xmlns:v="urn:schemas-microsoft-com:vml" href="https://cover.cmail20.com/t/d-l-etlhuit-tuxkulyjy-y/" style="width:120pt" arcsize="9%" fillcolor="#F7D701" stroke="f"><v:textbox style="mso-fit-shape-to-text:t" inset="0pt,8.25pt,0pt,8.25pt"><center style="font-size:14px;line-height:24px;color:#000000;font-family:sans-serif;font-weight:bold;mso-line-height-rule:exactly;mso-text-raise:1.5px">Subscribe</center></v:textbox></v:roundrect><![endif]--></div>
    </div>
          
          </div>
        <!--[if mso]></td></tr></table><![endif]-->
        </div>
      </div>
  
      <div style="mso-line-height-rule: exactly;line-height: 20px;font-size: 20px;">&nbsp;</div>
  
      <div class="layout one-col fixed-width stack" style="Margin: 0 auto;max-width: 600px;min-width: 320px; width: 320px;width: calc(28000% - 167400px);overflow-wrap: break-word;word-wrap: break-word;word-break: break-word;">
        <div class="layout__inner" style="border-collapse: collapse;display: table;width: 100%;background-color: #ffffff;">
        <!--[if mso]><table align="center" cellpadding="0" cellspacing="0" role="presentation"><tr class="layout-fixed-width" style="background-color: #ffffff;"><td style="width: 600px" class="w560"><![endif]-->
          <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;">
        
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;">
      <div style="mso-line-height-rule: exactly;mso-text-raise: 11px;vertical-align: middle;">
        <p class="size-18" style="Margin-top: 0;Margin-bottom: 20px;font-size: 17px;line-height: 26px;" lang="x-size-18">&quot;<em>Insights to feed your career: A Deep Dive into Diverse Topics Shaping Financial Services and insurance, today and into the future</em>&quot;</p>
      </div>
    </div>
        
            <div style="Margin-left: 20px;Margin-right: 20px;">
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;Margin-bottom: 20px;" align="center">
          <img style="border: 0;display: block;height: auto;width: 100%;max-width: 238px;" alt="Divider line" width="238" src="http://i2.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/line-990a2803cf028a3c.jpg">
        </div>
      </div>
        
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-bottom: 24px;">
      <div style="mso-line-height-rule: exactly;mso-text-raise: 11px;vertical-align: middle;">
        <p class="size-17" style="Margin-top: 0;Margin-bottom: 0;font-size: 17px;line-height: 26px;text-align: center;" lang="x-size-17"><em><strong>Elevate your insurance game at TechFest 2024 </strong></em><em><strong>taking place online, May 21-22.</strong></em></p><p style="Margin-top: 20px;Margin-bottom: 0;">Experience two days packed with cutting-edge insights from industry pioneers. Engage in dynamic PANEL DISCUSSIONS and immersive DEMO'S, exploring the latest trends and innovations.</p><p style="Margin-top: 20px;Margin-bottom: 0;">Join us on day two for our exclusive in-person COCKTAIL EVENT for networking opportunities with top-tier professionals.</p><p style="Margin-top: 20px;Margin-bottom: 0;">Featuring luminaries like Schalk Fischer, Marcia le Roux,&nbsp;Leslie Muthen, Vis Govender,&nbsp;Tristan Marot,&nbsp;Jaco Oosthuizen,&nbsp;Dane Richards,&nbsp;Michael Settas,&nbsp;Anthony 
Miller,&nbsp;Paul Donnelly&nbsp;and more, delve into the theme &quot;THRIVING IN THE AGE OF AGILE.&quot;</p><p style="Margin-top: 20px;Margin-bottom: 0;">Accredited with <strong>9 CPD hours</strong>, you're not going to want to miss this FREE to attend event. Connect with brokers, CEOs, and experts across the Financial Services and Insurance sector.</p><p style="Margin-top: 20px;Margin-bottom: 0;">Don&#8217;t miss this chance to shape the future of insurance technology. Reserve your spot now!</p>
      </div>
    </div>
        
          </div>
        <!--[if mso]></td></tr></table><![endif]-->
        </div>
      </div>
  
      <div style="background-color: #ffffff;">
        <div class="layout one-col stack" style="Margin: 0 auto;max-width: 600px;min-width: 320px; width: 320px;width: calc(28000% - 167400px);overflow-wrap: break-word;word-wrap: break-word;word-break: break-word;">
          <div class="layout__inner" style="border-collapse: collapse;display: table;width: 100%;">
          <!--[if mso]><table width="100%" cellpadding="0" cellspacing="0" role="presentation"><tr class="layout-full-width" style="background-color: #ffffff;"><td class="layout__edges">&nbsp;</td><td style="width: 600px" class="w560"><![endif]-->
            <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;">
            
              <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;">
      <div class="btn btn--flat fullwidth btn--large" style="Margin-bottom: 20px;text-align: center;">
        <!--[if !mso]><!--><a style="border-radius: 4px;display: block;font-size: 14px;font-weight: bold;line-height: 24px;padding: 12px 24px;text-align: center;text-decoration: none !important;transition: opacity 0.1s ease-in;color: #000000 !important;background-color: #f7d701;font-family: sans-serif;" href="https://cover.cmail20.com/t/d-l-etlhuit-tuxkulyjy-j/">REGISTER - TECHFEST 2024</a><!--<![endif]-->
      <!--[if mso]><p style="line-height:0;margin:0;">&nbsp;</p><v:roundrect xmlns:v="urn:schemas-microsoft-com:vml" href="https://cover.cmail20.com/t/d-l-etlhuit-tuxkulyjy-j/" style="width:420pt" arcsize="9%" fillcolor="#F7D701" stroke="f"><v:textbox style="mso-fit-shape-to-text:t" inset="0pt,8.25pt,0pt,8.25pt"><center style="font-size:14px;line-height:24px;color:#000000;font-family:sans-serif;font-weight:bold;mso-line-height-rule:exactly;mso-text-raise:1.5px">REGISTER - TECHFEST 2024</center></v:textbox></v:roundrect><![endif]--></div>
    </div>
            
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;" align="right">
          <img class="gnd-corner-image gnd-corner-image-right gnd-corner-image-bottom" style="border: 0;display: block;height: auto;width: 100%;max-width: 285px;" alt="COVER Editorial team" width="285" src="http://i3.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/COVEREditorialteam-9904510a28028a3c.png">
        </div>
      
            </div>
          <!--[if mso]></td><td class="layout__edges">&nbsp;</td></tr></table><![endif]-->
          </div>
        </div>
      </div>
  
      <div style="mso-line-height-rule: exactly;line-height: 20px;font-size: 20px;">&nbsp;</div>
  
      <div class="layout one-col fixed-width stack" style="Margin: 0 auto;max-width: 600px;min-width: 320px; width: 320px;width: calc(28000% - 167400px);overflow-wrap: break-word;word-wrap: break-word;word-break: break-word;">
        <div class="layout__inner" style="border-collapse: collapse;display: table;width: 100%;background-color: #ffffff;">
        <!--[if mso]><table align="center" cellpadding="0" cellspacing="0" role="presentation"><tr class="layout-fixed-width" style="background-color: #ffffff;"><td style="width: 600px" class="w560"><![endif]-->
          <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;">
        
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;">
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;Margin-bottom: 20px;" align="center">
          <img style="border: 0;display: block;height: auto;width: 100%;max-width: 238px;" alt="Divider line" width="238" src="http://i4.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/line-990a2803cf028a3c.jpg">
        </div>
      </div>
        
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;" align="center">
          <a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail20.com/t/d-l-etlhuit-tuxkulyjy-t/"><img style="border: 0;display: block;height: auto;width: 100%;max-width: 640px;" alt="Thriving in the age of Agile - TechFest 2024" width="600" src="http://i5.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/Techfest_Savethedate640x200px11-9900000000079e3c.jpg"></a>
        </div>
      
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 20px;Margin-bottom: 24px;">
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;" align="center">
          <img style="border: 0;display: block;height: auto;width: 100%;max-width: 238px;" alt="Divider line" width="238" src="http://i6.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/line-990a2803cf028a3c.jpg">
        </div>
      </div>
        
          </div>
        <!--[if mso]></td></tr></table><![endif]-->
        </div>
      </div>
  
      <div class="layout one-col fixed-width stack" style="Margin: 0 auto;max-width: 600px;min-width: 320px; width: 320px;width: calc(28000% - 167400px);overflow-wrap: break-word;word-wrap: break-word;word-break: break-word;">
        <div class="layout__inner" style="border-collapse: collapse;display: table;width: 100%;background-color: #ffffff;">
        <!--[if mso]><table align="center" cellpadding="0" cellspacing="0" role="presentation"><tr class="layout-fixed-width" style="background-color: #ffffff;"><td style="width: 600px" class="w560"><![endif]-->
          <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;">
        
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;">
      <div style="mso-line-height-rule: exactly;mso-text-raise: 11px;vertical-align: middle;">
        <p style="Margin-top: 0;Margin-bottom: 0;"><span style="text-decoration: inherit;color: #0d464f;"><strong>Grow engagement &amp; drive traffic to your brand through COVER Marketplace</strong></span></p><p style="Margin-top: 20px;Margin-bottom: 0;line-height: 21px;"><span style="text-decoration: inherit;">Leverage </span><span style="text-decoration: inherit;color: #ff7f30;"><strong>COVER's</strong></span><span style="text-decoration: inherit;color: #7c4182;"><strong> </strong></span><span style="text-decoration: inherit;">decades&nbsp;</span><em><span style="text-decoration: inherit;">of insurance knowledge and brand building acumen&nbsp;to showcase your company.</span></em><span style="text-decoration: inherit;">&nbsp; &#9993;&#65039;&nbsp;</span><a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="mailto:brent@cover.co.za" 
data-emb-iscopy="true"><em>Email us&nbsp;</em></a><span style="text-decoration: inherit;">to find out how you can grow your brand</span></p><p class="size-14" style="Margin-top: 20px;Margin-bottom: 20px;font-size: 14px;line-height: 21px;text-align: center;" lang="x-size-14"><em>#KnowledgeShared #BrandBuilding</em></p>
      </div>
    </div>
        
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-bottom: 24px;">
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;" align="center">
          <img style="border: 0;display: block;height: auto;width: 100%;max-width: 238px;" alt="Divider line" width="238" src="http://i7.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/line-990a2803cf028a3c.jpg">
        </div>
      </div>
        
          </div>
        <!--[if mso]></td></tr></table><![endif]-->
        </div>
      </div>
  
      <div class="layout one-col fixed-width stack" style="Margin: 0 auto;max-width: 600px;min-width: 320px; width: 320px;width: calc(28000% - 167400px);overflow-wrap: break-word;word-wrap: break-word;word-break: break-word;">
        <div class="layout__inner" style="border-collapse: collapse;display: table;width: 100%;background-color: #ffffff;">
        <!--[if mso]><table align="center" cellpadding="0" cellspacing="0" role="presentation"><tr class="layout-fixed-width" style="background-color: #ffffff;"><td style="width: 600px" class="w560"><![endif]-->
          <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;">
        
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;Margin-bottom: 24px;">
      <div style="mso-line-height-rule: exactly;mso-text-raise: 11px;vertical-align: middle;">
        <h1 class="size-20" style="Margin-top: 0;Margin-bottom: 0;font-style: normal;font-weight: normal;color: #000;font-size: 17px;line-height: 26px;text-align: center;" lang="x-size-20"><span style="text-decoration: inherit;color: #0d464f;"><strong>PROFESSIONAL PERSPECTIVES</strong></span></h1>
      </div>
    </div>
        
          </div>
        <!--[if mso]></td></tr></table><![endif]-->
        </div>
      </div>
  
      <div style="mso-line-height-rule: exactly;line-height: 20px;font-size: 20px;">&nbsp;</div>
  
      <div class="layout two-col fixed-width stack" style="Margin: 0 auto;max-width: 600px;min-width: 320px; width: 320px;width: calc(28000% - 167400px);overflow-wrap: break-word;word-wrap: break-word;word-break: break-word;">
        <div class="layout__inner" style="border-collapse: collapse;display: table;width: 100%;background-color: #ffffff;">
        <!--[if mso]><table align="center" cellpadding="0" cellspacing="0" role="presentation"><tr class="layout-fixed-width" style="background-color: #ffffff;"><td style="width: 300px" valign="top" class="w260"><![endif]-->
          <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;max-width: 320px;min-width: 300px; width: 320px;width: calc(12300px - 2000%);Float: left;">
          
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;">
      <div style="mso-line-height-rule: exactly;line-height: 1px;font-size: 1px;">&nbsp;</div>
    </div>
          
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;" align="center">
          <img class="gnd-corner-image gnd-corner-image-center gnd-corner-image-bottom" style="border: 0;display: block;height: auto;width: 100%;max-width: 480px;" alt="" width="300" src="http://i8.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/VolkerVonWiddern-990000000003cf3c.jpg">
        </div>
      
          </div>
        <!--[if mso]></td><td style="width: 300px" valign="top" class="w260"><![endif]-->
          <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;max-width: 320px;min-width: 300px; width: 320px;width: calc(12300px - 2000%);Float: left;">
          
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;Margin-bottom: 24px;">
      <div style="mso-line-height-rule: exactly;mso-text-raise: 11px;vertical-align: middle;">
        <p style="Margin-top: 0;Margin-bottom: 0;"><strong>Innovating Out of Johannesburg&#8217;s Water Crisis</strong></p><p class="size-14" style="Margin-top: 20px;Margin-bottom: 0;font-size: 14px;line-height: 21px;" lang="x-size-14">Regarding Johannesburg's escalating water crisis, Riskonet Africa's Risk Principal, Volker Von Widdern, warns of dire consequences without immediate action. Von Widdern advocates innovative strategies, emphasizing the urgent need for sustainable water management to avert social, economic, and environmental catastrophe.</p><p class="size-14" style="Margin-top: 20px;Margin-bottom: 0;font-size: 14px;line-height: 21px;" lang="x-size-14"><a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail20.com/t/d-l-etlhuit-tuxkulyjy-i/"><strong><em>Read Article</em></strong></a></p>
      </div>
    </div>
          
          </div>
        <!--[if mso]></td></tr></table><![endif]-->
        </div>
      </div>
  
      <div class="layout two-col fixed-width stack" style="Margin: 0 auto;max-width: 600px;min-width: 320px; width: 320px;width: calc(28000% - 167400px);overflow-wrap: break-word;word-wrap: break-word;word-break: break-word;">
        <div class="layout__inner" style="border-collapse: collapse;display: table;width: 100%;background-color: #ffffff;">
        <!--[if mso]><table align="center" cellpadding="0" cellspacing="0" role="presentation"><tr class="layout-fixed-width" style="background-color: #ffffff;"><td style="width: 300px" valign="top" class="w260"><![endif]-->
          <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;max-width: 320px;min-width: 300px; width: 320px;width: calc(12300px - 2000%);Float: left;">
          
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;">
      <div style="mso-line-height-rule: exactly;line-height: 1px;font-size: 1px;">&nbsp;</div>
    </div>
          
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;" align="center">
          <img class="gnd-corner-image gnd-corner-image-center gnd-corner-image-bottom" style="border: 0;display: block;height: auto;width: 100%;max-width: 480px;" alt="" width="300" src="http://i9.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/GuyKrige-990000000003cf3c.jpg">
        </div>
      
          </div>
        <!--[if mso]></td><td style="width: 300px" valign="top" class="w260"><![endif]-->
          <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;max-width: 320px;min-width: 300px; width: 320px;width: calc(12300px - 2000%);Float: left;">
          
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;Margin-bottom: 24px;">
      <div style="mso-line-height-rule: exactly;mso-text-raise: 11px;vertical-align: middle;">
        <p style="Margin-top: 0;Margin-bottom: 0;"><strong>New IT Risk regulations for SA Financial Sector in 2024</strong></p><p class="size-14" style="Margin-top: 20px;Margin-bottom: 0;font-size: 14px;line-height: 21px;" lang="x-size-14">Guy Krige, Executive Risk Consultant at ESCROWSURE, discusses South Africa's financial sector's impending compliance deadline of 15 November 2024 for the new Joint Standard on IT Governance and Risk Management. He highlights the growing importance of software escrow in mitigating IT risks and ensuring business continuity.</p><p style="Margin-top: 20px;Margin-bottom: 0;"><a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail20.com/t/d-l-etlhuit-tuxkulyjy-d/"><em><strong>Read Article</strong></em></a></p>
      </div>
    </div>
          
          </div>
        <!--[if mso]></td></tr></table><![endif]-->
        </div>
      </div>
  
      <div class="layout two-col fixed-width stack" style="Margin: 0 auto;max-width: 600px;min-width: 320px; width: 320px;width: calc(28000% - 167400px);overflow-wrap: break-word;word-wrap: break-word;word-break: break-word;">
        <div class="layout__inner" style="border-collapse: collapse;display: table;width: 100%;background-color: #ffffff;">
        <!--[if mso]><table align="center" cellpadding="0" cellspacing="0" role="presentation"><tr class="layout-fixed-width" style="background-color: #ffffff;"><td style="width: 300px" valign="top" class="w260"><![endif]-->
          <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;max-width: 320px;min-width: 300px; width: 320px;width: calc(12300px - 2000%);Float: left;">
          
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;">
      <div style="mso-line-height-rule: exactly;line-height: 1px;font-size: 1px;">&nbsp;</div>
    </div>
          
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;" align="center">
          <img class="gnd-corner-image gnd-corner-image-center gnd-corner-image-bottom" style="border: 0;display: block;height: auto;width: 100%;max-width: 480px;" alt="" width="300" src="http://i10.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/JonnyBell-990000000003cf3c.jpg">
        </div>
      
          </div>
        <!--[if mso]></td><td style="width: 300px" valign="top" class="w260"><![endif]-->
          <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;max-width: 320px;min-width: 300px; width: 320px;width: calc(12300px - 2000%);Float: left;">
          
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;Margin-bottom: 24px;">
      <div style="mso-line-height-rule: exactly;mso-text-raise: 11px;vertical-align: middle;">
        <p style="Margin-top: 0;Margin-bottom: 0;"><strong>Navigating the Complex Terrain of Financial Crime Compliance&nbsp;</strong>&nbsp;</p><p style="Margin-top: 20px;Margin-bottom: 0;">Financial crime compliance has long been a thorn in the side of the financial industry, presenting challenges that demand innovative solutions.&nbsp;Jonny Bell, the Director of Financial Crime Compliance and Payments at LexisNexis Risk Solutions, delves into the intricacies of this ever-evolving landscape.&nbsp;</p><p style="Margin-top: 20px;Margin-bottom: 0;"><a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail20.com/t/d-l-etlhuit-tuxkulyjy-h/"><em><strong>Read Article</strong></em></a></p>
      </div>
    </div>
          
          </div>
        <!--[if mso]></td></tr></table><![endif]-->
        </div>
      </div>
  
      <div style="mso-line-height-rule: exactly;line-height: 20px;font-size: 20px;">&nbsp;</div>
  
      <div class="layout one-col fixed-width stack" style="Margin: 0 auto;max-width: 600px;min-width: 320px; width: 320px;width: calc(28000% - 167400px);overflow-wrap: break-word;word-wrap: break-word;word-break: break-word;">
        <div class="layout__inner" style="border-collapse: collapse;display: table;width: 100%;background-color: #abc4cc;">
        <!--[if mso]><table align="center" cellpadding="0" cellspacing="0" role="presentation"><tr class="layout-fixed-width" style="background-color: #abc4cc;"><td style="width: 600px" class="w560"><![endif]-->
          <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;">
        
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;Margin-bottom: 24px;">
      <div style="mso-line-height-rule: exactly;mso-text-raise: 11px;vertical-align: middle;">
        <p class="size-20" style="Margin-top: 0;Margin-bottom: 0;font-size: 17px;line-height: 26px;text-align: center;" lang="x-size-20"><strong>Quote of the week&nbsp;</strong></p><blockquote style="Margin-top: 20px;Margin-bottom: 0;Margin-left: 0;Margin-right: 0;padding-left: 14px;border-left: 4px solid #ccc;"><p style="Margin-top: 20px;Margin-bottom: 0;text-align: center;">We are only a few catastrophic events away from insurers declaring some areas in South Africa uninsurable. This is why the need for data projects with innovative solutions is critically important.&nbsp;<strong style="Margin-top: 20px;"> - Ronald Richman, Chief Actuary at Old Mutual Insure</strong></p></blockquote>
      </div>
    </div>
        
          </div>
        <!--[if mso]></td></tr></table><![endif]-->
        </div>
      </div>
  
      <div style="mso-line-height-rule: exactly;line-height: 20px;font-size: 20px;">&nbsp;</div>
  
      <div class="layout one-col fixed-width stack" style="Margin: 0 auto;max-width: 600px;min-width: 320px; width: 320px;width: calc(28000% - 167400px);overflow-wrap: break-word;word-wrap: break-word;word-break: break-word;">
        <div class="layout__inner" style="border-collapse: collapse;display: table;width: 100%;background-color: #ffffff;">
        <!--[if mso]><table align="center" cellpadding="0" cellspacing="0" role="presentation"><tr class="layout-fixed-width" style="background-color: #ffffff;"><td style="width: 600px" class="w560"><![endif]-->
          <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;">
        
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;">
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;Margin-bottom: 20px;" align="center">
          <img style="border: 0;display: block;height: auto;width: 100%;max-width: 238px;" alt="Divider line" width="238" src="http://i1.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/line-990a2803cf028a3c.jpg">
        </div>
      </div>
        
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;" align="center">
          <a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail20.com/t/d-l-etlhuit-tuxkulyjy-k/"><img style="border: 0;display: block;height: auto;width: 100%;max-width: 728px;" alt="Cutting edge technology to grow and adapt with you - Profida" width="600" src="http://i2.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/ProfidaMay23-9900000000079e3c.png"></a>
        </div>
      
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 20px;Margin-bottom: 24px;">
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;" align="center">
          <img style="border: 0;display: block;height: auto;width: 100%;max-width: 238px;" alt="Divider line" width="238" src="http://i3.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/line-990a2803cf028a3c.jpg">
        </div>
      </div>
        
          </div>
        <!--[if mso]></td></tr></table><![endif]-->
        </div>
      </div>
  
      <div class="layout one-col fixed-width stack" style="Margin: 0 auto;max-width: 600px;min-width: 320px; width: 320px;width: calc(28000% - 167400px);overflow-wrap: break-word;word-wrap: break-word;word-break: break-word;">
        <div class="layout__inner" style="border-collapse: collapse;display: table;width: 100%;background-color: #ffffff;">
        <!--[if mso]><table align="center" cellpadding="0" cellspacing="0" role="presentation"><tr class="layout-fixed-width" style="background-color: #ffffff;"><td style="width: 600px" class="w560"><![endif]-->
          <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;">
        
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;Margin-bottom: 24px;">
      <div style="mso-line-height-rule: exactly;mso-text-raise: 11px;vertical-align: middle;">
        <h1 class="size-24" style="Margin-top: 0;Margin-bottom: 0;font-style: normal;font-weight: normal;color: #000;font-size: 20px;line-height: 28px;text-align: center;" lang="x-size-24"><span style="text-decoration: inherit;color: #0d464f;"><strong>READ OUR LATEST EDITION OF COVER</strong></span></h1>
      </div>
    </div>
        
          </div>
        <!--[if mso]></td></tr></table><![endif]-->
        </div>
      </div>
  
      <div class="layout fixed-width stack" style="Margin: 0 auto;max-width: 600px;min-width: 320px; width: 320px;width: calc(28000% - 167400px);overflow-wrap: break-word;word-wrap: break-word;word-break: break-word;">
        <div class="layout__inner" style="border-collapse: collapse;display: table;width: 100%;background-color: #ffffff;">
        <!--[if mso]><table align="center" cellpadding="0" cellspacing="0" role="presentation"><tr class="layout-fixed-width" style="background-color: #ffffff;"><td style="width: 200px" valign="top" class="w160"><![endif]-->
          <div class="column narrow" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;Float: left;max-width: 320px;min-width: 200px; width: 320px;width: calc(72200px - 12000%);">
          
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;">
      <div style="mso-line-height-rule: exactly;line-height: 46px;font-size: 1px;">&nbsp;</div>
    </div>
          
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;" align="center">
          <img class="gnd-corner-image gnd-corner-image-center gnd-corner-image-bottom" style="border: 0;display: block;height: auto;width: 100%;max-width: 480px;" alt="" width="200" src="http://i4.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/March20232-9900000000028a3c.jpg">
        </div>
      
          </div>
        <!--[if mso]></td><td style="width: 400px" valign="top" class="w360"><![endif]-->
          <div class="column wide" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;Float: left;max-width: 400px;min-width: 320px; width: 320px;width: calc(8000% - 47600px);">
          
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;">
      <div style="mso-line-height-rule: exactly;mso-text-raise: 11px;vertical-align: middle;">
        <p style="Margin-top: 0;Margin-bottom: 0;"><strong>April 2024 Edition&nbsp;</strong></p><p style="Margin-top: 20px;Margin-bottom: 20px;">Doing business in South Africa is challenging due to high crime, poor basic services, and slow economic growth, exacerbating unemployment. The insurance industry safeguards against unforeseen events, fostering small business sustainability and prosperity. Insurers also bear a social responsibility to expand comprehensive coverage, especially for SMMEs, as highlighted in our SMME feature in this edition.</p>
      </div>
    </div>
          
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-bottom: 24px;">
      <div class="btn btn--flat fullwidth btn--large" style="text-align: center;">
        <!--[if !mso]><!--><a style="border-radius: 4px;display: block;font-size: 14px;font-weight: bold;line-height: 24px;padding: 12px 24px;text-align: center;text-decoration: none !important;transition: opacity 0.1s ease-in;color: #000000 !important;background-color: #f7d701;font-family: sans-serif;" href="https://cover.cmail20.com/t/d-l-etlhuit-tuxkulyjy-u/">DOWNLOAD IT HERE</a><!--<![endif]-->
      <!--[if mso]><p style="line-height:0;margin:0;">&nbsp;</p><v:roundrect xmlns:v="urn:schemas-microsoft-com:vml" href="https://cover.cmail20.com/t/d-l-etlhuit-tuxkulyjy-u/" style="width:270pt" arcsize="9%" fillcolor="#F7D701" stroke="f"><v:textbox style="mso-fit-shape-to-text:t" inset="0pt,8.25pt,0pt,8.25pt"><center style="font-size:14px;line-height:24px;color:#000000;font-family:sans-serif;font-weight:bold;mso-line-height-rule:exactly;mso-text-raise:1.5px">DOWNLOAD IT HERE</center></v:textbox></v:roundrect><![endif]--></div>
    </div>
          
          </div>
        <!--[if mso]></td></tr></table><![endif]-->
        </div>
      </div>
  
      <div class="layout one-col fixed-width stack" style="Margin: 0 auto;max-width: 600px;min-width: 320px; width: 320px;width: calc(28000% - 167400px);overflow-wrap: break-word;word-wrap: break-word;word-break: break-word;">
        <div class="layout__inner" style="border-collapse: collapse;display: table;width: 100%;background-color: #ffffff;">
        <!--[if mso]><table align="center" cellpadding="0" cellspacing="0" role="presentation"><tr class="layout-fixed-width" style="background-color: #ffffff;"><td style="width: 600px" class="w560"><![endif]-->
          <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;">
        
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;Margin-bottom: 24px;">
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;" align="center">
          <img style="border: 0;display: block;height: auto;width: 100%;max-width: 238px;" alt="Divider line" width="238" src="http://i5.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/line-990a2803cf028a3c.jpg">
        </div>
      </div>
        
          </div>
        <!--[if mso]></td></tr></table><![endif]-->
        </div>
      </div>
  
      <div class="layout one-col fixed-width stack" style="Margin: 0 auto;max-width: 600px;min-width: 320px; width: 320px;width: calc(28000% - 167400px);overflow-wrap: break-word;word-wrap: break-word;word-break: break-word;">
        <div class="layout__inner" style="border-collapse: collapse;display: table;width: 100%;background-color: #ffffff;">
        <!--[if mso]><table align="center" cellpadding="0" cellspacing="0" role="presentation"><tr class="layout-fixed-width" style="background-color: #ffffff;"><td style="width: 600px" class="w560"><![endif]-->
          <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;">
        
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;Margin-bottom: 24px;">
      <div style="mso-line-height-rule: exactly;mso-text-raise: 11px;vertical-align: middle;">
        <h1 class="size-24" style="Margin-top: 0;Margin-bottom: 0;font-style: normal;font-weight: normal;color: #000;font-size: 20px;line-height: 28px;text-align: center;" lang="x-size-24"><span style="text-decoration: inherit;color: #0d464f;"><strong>TRENDING NEWS</strong></span></h1>
      </div>
    </div>
        
          </div>
        <!--[if mso]></td></tr></table><![endif]-->
        </div>
      </div>
  
      <div class="layout two-col fixed-width stack" style="Margin: 0 auto;max-width: 600px;min-width: 320px; width: 320px;width: calc(28000% - 167400px);overflow-wrap: break-word;word-wrap: break-word;word-break: break-word;">
        <div class="layout__inner" style="border-collapse: collapse;display: table;width: 100%;background-color: #ffffff;">
        <!--[if mso]><table align="center" cellpadding="0" cellspacing="0" role="presentation"><tr class="layout-fixed-width" style="background-color: #ffffff;"><td style="width: 300px" valign="top" class="w260"><![endif]-->
          <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;max-width: 320px;min-width: 300px; width: 320px;width: calc(12300px - 2000%);Float: left;">
          
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;">
      <div style="mso-line-height-rule: exactly;line-height: 1px;font-size: 1px;">&nbsp;</div>
    </div>
          
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;" align="center">
          <a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="mailto:michael.clack@renasa.co.za"><img style="border: 0;display: block;height: auto;width: 100%;max-width: 300px;" alt="With more muscle now, Renasa is the Brokers even better best friend" width="300" src="http://i6.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/Renasa-300x400px-990000000003cf3c.png"></a>
        </div>
      
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 20px;Margin-bottom: 24px;">
      <div style="mso-line-height-rule: exactly;mso-text-raise: 11px;vertical-align: middle;">
        <p style="Margin-top: 0;Margin-bottom: 0;"><strong>African equity markets deliver a lost decade</strong></p><p class="size-14" style="Margin-top: 20px;Margin-bottom: 0;font-size: 14px;line-height: 21px;" lang="x-size-14">Rory Kutisker-Jacobson, fund manager of the Allan Gray Africa ex-SA Equity Fund, discusses the &quot;eventful and volatile&quot; first quarter of 2024 in African markets, highlighting deteriorating current accounts, fiscal deficits, and a shortage of hard currency that led to market liberalization efforts on many currencies. - <a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail20.com/t/d-l-etlhuit-tuxkulyjy-o/"><em><strong>Read Article</strong></em></a></p>
      </div>
    </div>
          
          </div>
        <!--[if mso]></td><td style="width: 300px" valign="top" class="w260"><![endif]-->
          <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;max-width: 320px;min-width: 300px; width: 320px;width: calc(12300px - 2000%);Float: left;">
          
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;">
      <div style="mso-line-height-rule: exactly;mso-text-raise: 11px;vertical-align: middle;">
        <p style="Margin-top: 0;Margin-bottom: 0;"><strong>Munich Re starts out strong in 2024; Q1 net result increases to &#8364;2.1bn</strong></p><p style="Margin-top: 20px;Margin-bottom: 20px;">Munich Re has begun the new financial year in excellent shape. Thanks to below-average major-loss expenditure, a high return on investment, and very good operational performance in all business segments, the Q1 net result increased significantly to &#8364;2,140m (1,271m).&nbsp;- <a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail20.com/t/d-l-etlhuit-tuxkulyjy-b/"><em><strong>Read Article</strong></em></a></p>
      </div>
    </div>
          
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-bottom: 24px;">
      <div style="mso-line-height-rule: exactly;mso-text-raise: 11px;vertical-align: middle;">
        <p style="Margin-top: 0;Margin-bottom: 0;"><strong>Bonitas excels at the Titanium Awards for the third year running</strong></p><p style="Margin-top: 20px;Margin-bottom: 0;">This year&#8217;s Titanium Awards marked a special occasion for Bonitas Medical Fund when the Scheme was honoured with two distinguished awards by the Board of Healthcare Funders (BHF).&nbsp;For the third year running Bonitas was presented with the Titanium Award for Service to Membership: Operational Performance and the Fund also received the award for Best Integrated Annual Report.&nbsp;- <a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail20.com/t/d-l-etlhuit-tuxkulyjy-n/"><em><strong>Read Article</strong></em></a></p>
      </div>
    </div>
          
          </div>
        <!--[if mso]></td></tr></table><![endif]-->
        </div>
      </div>
  
      <div class="layout one-col fixed-width stack" style="Margin: 0 auto;max-width: 600px;min-width: 320px; width: 320px;width: calc(28000% - 167400px);overflow-wrap: break-word;word-wrap: break-word;word-break: break-word;">
        <div class="layout__inner" style="border-collapse: collapse;display: table;width: 100%;background-color: #ffffff;">
        <!--[if mso]><table align="center" cellpadding="0" cellspacing="0" role="presentation"><tr class="layout-fixed-width" style="background-color: #ffffff;"><td style="width: 600px" class="w560"><![endif]-->
          <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;">
        
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;">
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;Margin-bottom: 20px;" align="center">
          <img style="border: 0;display: block;height: auto;width: 100%;max-width: 238px;" alt="Divider line" width="238" src="http://i7.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/line-990a2803cf028a3c.jpg">
        </div>
      </div>
        
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;" align="center">
          <a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail20.com/t/d-l-etlhuit-tuxkulyjy-p/"><img style="border: 0;display: block;height: auto;width: 100%;max-width: 728px;" alt="Reimagine your retirement. Let certainty and flexibility meet - Momentum" width="600" src="http://i8.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/COVER-MWRetirementBanners-728x90px-9900000000079e3c.jpg"></a>
        </div>
      
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 20px;Margin-bottom: 24px;">
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;" align="center">
          <img style="border: 0;display: block;height: auto;width: 100%;max-width: 238px;" alt="Divider line" width="238" src="http://i9.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/line-990a2803cf028a3c.jpg">
        </div>
      </div>
        
          </div>
        <!--[if mso]></td></tr></table><![endif]-->
        </div>
      </div>
  
      <div class="layout two-col fixed-width stack" style="Margin: 0 auto;max-width: 600px;min-width: 320px; width: 320px;width: calc(28000% - 167400px);overflow-wrap: break-word;word-wrap: break-word;word-break: break-word;">
        <div class="layout__inner" style="border-collapse: collapse;display: table;width: 100%;background-color: #ffffff;">
        <!--[if mso]><table align="center" cellpadding="0" cellspacing="0" role="presentation"><tr class="layout-fixed-width" style="background-color: #ffffff;"><td style="width: 300px" valign="top" class="w260"><![endif]-->
          <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;max-width: 320px;min-width: 300px; width: 320px;width: calc(12300px - 2000%);Float: left;">
          
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;">
      <div style="mso-line-height-rule: exactly;line-height: 1px;font-size: 1px;">&nbsp;</div>
    </div>
          
            <div style="Margin-left: 20px;Margin-right: 20px;">
      <div style="mso-line-height-rule: exactly;mso-text-raise: 11px;vertical-align: middle;">
        <p style="Margin-top: 0;Margin-bottom: 0;"><strong>Mother&#8217;s Day is for thinking about me (and my money)</strong></p><p style="Margin-top: 20px;Margin-bottom: 20px;">Ther&#232;se Havenga, of Momentum Investo, reflects on the importance of balancing family responsibilities with financial planning. Recent reports show concerning trends in women's retirement readiness compared to men's. - <a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail20.com/t/d-l-etlhuit-tuxkulyjy-x/"><em><strong>Read Article</strong></em></a></p>
      </div>
    </div>
          
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-bottom: 24px;">
      <div style="mso-line-height-rule: exactly;mso-text-raise: 11px;vertical-align: middle;">
        <p style="Margin-top: 0;Margin-bottom: 0;"><strong>2024 FPI Retirement and Investment Masterclass</strong></p><p style="Margin-top: 20px;Margin-bottom: 0;">The FPI are pleased to invite you to an informative online masterclass focused on Retirement and Investment. The session will take place on <strong>May 23, 2024</strong>, and will be led by experienced subject matter experts.&nbsp; The full-day session will give you the opportunity to gain valuable insights&nbsp;and has&nbsp;5 verifiable CPD hours <em>(4 technical | 0.5 General | 0.5 Ethics)</em> -&nbsp;<a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail20.com/t/d-l-etlhuit-tuxkulyjy-m/"><em><strong>Read Article</strong></em></a></p>
      </div>
    </div>
          
          </div>
        <!--[if mso]></td><td style="width: 300px" valign="top" class="w260"><![endif]-->
          <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;max-width: 320px;min-width: 300px; width: 320px;width: calc(12300px - 2000%);Float: left;">
          
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;">
      <div style="mso-line-height-rule: exactly;line-height: 2px;font-size: 1px;">&nbsp;</div>
    </div>
          
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;" align="center">
          <a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail20.com/t/d-l-etlhuit-tuxkulyjy-c/"><img style="border: 0;display: block;height: auto;width: 100%;max-width: 300px;" alt="The only all-inclusive end-to-end cloud-native administration system built to increase productivity - Owls Software" width="300" src="http://i10.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/OWLSCLOUDSquareBannerWIP2GIF-990000000003cf3c.gif"></a>
        </div>
      
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 20px;Margin-bottom: 24px;">
      <div style="mso-line-height-rule: exactly;mso-text-raise: 11px;vertical-align: middle;">
        <p style="Margin-top: 0;Margin-bottom: 0;"><strong>Root and TFG win Insurance Implementation Leader award</strong></p><p class="size-14" style="Margin-top: 20px;Margin-bottom: 0;font-size: 14px;line-height: 21px;" lang="x-size-14">Insurtech Root platform and its customer TFG (The Foschini Group) have won the Insurance Implementation Leader category of the Intelligent ICT Awards Africa 2024.Announcing the joint winners, event host Arthur Goldstuck said it had taken courage for a large enterprise like TFG to bet on a start-up to facilitate its digital insurance transformation. - <a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail20.com/t/d-l-etlhuit-tuxkulyjy-q/"><em><strong>Read Article</strong></em></a></p>
      </div>
    </div>
          
          </div>
        <!--[if mso]></td></tr></table><![endif]-->
        </div>
      </div>
  
      <div style="mso-line-height-rule: exactly;line-height: 18px;font-size: 18px;">&nbsp;</div>
  
      <div class="layout one-col fixed-width stack" style="Margin: 0 auto;max-width: 600px;min-width: 320px; width: 320px;width: calc(28000% - 167400px);overflow-wrap: break-word;word-wrap: break-word;word-break: break-word;">
        <div class="layout__inner" style="border-collapse: collapse;display: table;width: 100%;background-color: #ffffff;">
        <!--[if mso]><table align="center" cellpadding="0" cellspacing="0" role="presentation"><tr class="layout-fixed-width" style="background-color: #ffffff;"><td style="width: 600px" class="w560"><![endif]-->
          <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;">
        
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;">
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;Margin-bottom: 20px;" align="center">
          <img style="border: 0;display: block;height: auto;width: 100%;max-width: 231px;" alt="Divider line" width="231" src="http://i1.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/line-99014503cf028a3c.jpg">
        </div>
      </div>
        
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;" align="center">
          <a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #000;" href="https://cover.cmail20.com/t/d-l-etlhuit-tuxkulyjy-g/"><img style="border: 0;display: block;height: auto;width: 100%;max-width: 900px;" alt="" width="600" src="http://i2.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/CIB_20240426_CIB_SA_Fact_202400001-9900000000079e3c.jpg"></a>
        </div>
      
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 20px;Margin-bottom: 24px;">
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;" align="center">
          <img style="border: 0;display: block;height: auto;width: 100%;max-width: 231px;" alt="Divider line" width="231" src="http://i3.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/line-99014503cf028a3c.jpg">
        </div>
      </div>
        
          </div>
        <!--[if mso]></td></tr></table><![endif]-->
        </div>
      </div>
  
      <div style="mso-line-height-rule: exactly;line-height: 20px;font-size: 20px;">&nbsp;</div>
  
      <div class="layout one-col fixed-width stack" style="Margin: 0 auto;max-width: 600px;min-width: 320px; width: 320px;width: calc(28000% - 167400px);overflow-wrap: break-word;word-wrap: break-word;word-break: break-word;">
        <div class="layout__inner" style="border-collapse: collapse;display: table;width: 100%;background-color: #abc4cc;">
        <!--[if mso]><table align="center" cellpadding="0" cellspacing="0" role="presentation"><tr class="layout-fixed-width" style="background-color: #abc4cc;"><td style="width: 600px" class="w560"><![endif]-->
          <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;">
        
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;Margin-bottom: 24px;">
      <div style="mso-line-height-rule: exactly;mso-text-raise: 11px;vertical-align: middle;">
        <p class="size-20" style="Margin-top: 0;Margin-bottom: 0;font-size: 17px;line-height: 26px;text-align: center;" lang="x-size-20"><strong>Insurance in numbers&nbsp;</strong></p><p style="Margin-top: 20px;Margin-bottom: 0;">The Insurances market in South Africa is&nbsp;<strong>projected to reach a gross written premium of US$82.07bn in 2024</strong>. The market is dominated by Life insurances, with a projected market volume of US$52.59bn in the same year. On average, individuals in South Africa are expected to spend US$1.35k per capita on insurance in 2024.</p>
      </div>
    </div>
        
          </div>
        <!--[if mso]></td></tr></table><![endif]-->
        </div>
      </div>
  
      <div style="mso-line-height-rule: exactly;line-height: 20px;font-size: 20px;">&nbsp;</div>
  
      <div class="layout one-col fixed-width stack" style="Margin: 0 auto;max-width: 600px;min-width: 320px; width: 320px;width: calc(28000% - 167400px);overflow-wrap: break-word;word-wrap: break-word;word-break: break-word;">
        <div class="layout__inner" style="border-collapse: collapse;display: table;width: 100%;background-color: #ffffff;">
        <!--[if mso]><table align="center" cellpadding="0" cellspacing="0" role="presentation"><tr class="layout-fixed-width" style="background-color: #ffffff;"><td style="width: 600px" class="w560"><![endif]-->
          <div class="column" style="text-align: left;color: #000;font-size: 15px;line-height: 23px;font-family: sans-serif;">
        
            <div style="Margin-left: 20px;Margin-right: 20px;Margin-top: 24px;Margin-bottom: 24px;">
        <div style="font-size: 12px;font-style: normal;font-weight: normal;line-height: 19px;" align="center">
          <img style="border: 0;display: block;height: auto;width: 100%;max-width: 231px;" alt="Divider line" width="231" src="http://i4.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/line-99014503cf028a3c.jpg">
        </div>
      </div>
        
          </div>
        <!--[if mso]></td></tr></table><![endif]-->
        </div>
      </div>
  
      </div>
      <div role="contentinfo"><div style="line-height:4px;font-size:4px;" id="footer-top-spacing">&nbsp;</div><div class="layout email-flexible-footer email-footer" style="Margin: 0 auto;max-width: 600px;min-width: 320px; width: 320px;width: calc(28000% - 167400px);overflow-wrap: break-word;word-wrap: break-word;word-break: break-word;" id="footer-content">
      <div class="layout__inner left-aligned-footer" style="border-collapse: collapse;display: table;width: 100%;">
        <!--[if mso]><table align="center" cellpadding="0" cellspacing="0" role="presentation"><tr class="layout-email-footer"><![endif]-->
        <!--[if mso]><td><table cellpadding="0" cellspacing="0"><![endif]-->
        <!--[if mso]><td valign="top"><![endif]-->
          <div class="column" style="text-align: left;font-size: 12px;line-height: 19px;color: #999;font-family: sans-serif;">
      <div class="footer-logo emb-logo-margin-box" style="font-size: 26px;line-height: 32px;Margin-top: 10px;Margin-bottom: 20px;color: #7b663d;font-family: Roboto,Tahoma,sans-serif;" align="center">
        <div style="margin-right: 20px;" emb-flexible-footer-logo align="center"><a style="text-decoration: none;transition: opacity 0.1s ease-in;color: #7b663d;" href="https://cover.cmail20.com/t/d-l-etlhuit-tuxkulyjy-w/"><img style="border: 0;display: block;height: auto;width: 100%;max-width: 141px;" src="http://i1.cmail20.com/ei/d/C5/BB0/62D/220712/csfinal/brackets.png" alt="COVER - Knowledge Shared" width="141"></a></div>
      </div>
    </div>
        <!--[if mso]></td><![endif]-->
        <!--[if mso]><td valign="top"><![endif]-->
          <div class="column" style="text-align: left;font-size: 12px;line-height: 19px;color: #999;font-family: sans-serif;">
      <div style="margin-left: 0;margin-right: 0;Margin-top: 10px;Margin-bottom: 10px;">
        <div class="footer__share-button">
          <div class="flexible-footer__share-button__container" style="Margin-bottom: 6px;mso-line-height-rule: exactly;margin-right: 20px;">
            <a class="icon-white" style="text-decoration: none;transition: opacity 0.1s ease-in;color: white;border-radius: 2px;display: inline-block;font-size: 11px;font-weight: bold;line-height: 19px;text-align: left;border-style: solid;border-width: 4px 0 4px 4px;mso-border-width-alt: 4px 8px 8px 8px;background-color: #0d464f;border-color: #0d464f;mso-border-color-alt: #0d464f;width: 81px;box-sizing: content-box;" href="https://cover.cmail20.com/t/d-fb-etlhuit-tuxkulyjy-yu/">
              &nbsp;<img style="border: 0;display: inline-block;margin-right: 2px;vertical-align: -3px;" src="http://i1.cmail20.com//static/eb/master/13-the-blueprint-3/images/fblike-white-flex@2x.png" width="16" height="16" border="0" alt="">
              <span style="font-size: 11px;mso-text-raise: 3px;">Share&nbsp;</span>
            </a>
          </div>
          <div class="flexible-footer__share-button__container" style="Margin-bottom: 6px;mso-line-height-rule: exactly;margin-right: 20px;">
            <a class="icon-white" style="text-decoration: none;transition: opacity 0.1s ease-in;color: white;border-radius: 2px;display: inline-block;font-size: 11px;font-weight: bold;line-height: 19px;text-align: left;border-style: solid;border-width: 4px 0 4px 4px;mso-border-width-alt: 4px 8px 8px 8px;background-color: #0d464f;border-color: #0d464f;mso-border-color-alt: #0d464f;width: 81px;box-sizing: content-box;" href="https://cover.cmail20.com/t/d-tw-etlhuit-tuxkulyjy-jl/">
              &nbsp;<img style="border: 0;display: inline-block;margin-right: 2px;vertical-align: -3px;" src="http://i2.cmail20.com//static/eb/master/13-the-blueprint-3/images/tweet-white-flex@2x.png" width="16" height="16" border="0" alt="">
              <span style="font-size: 11px;mso-text-raise: 3px;">Tweet&nbsp;</span>
            </a>
          </div>
          <div class="flexible-footer__share-button__container" style="Margin-bottom: 6px;mso-line-height-rule: exactly;margin-right: 20px;">
            <a class="icon-white" style="text-decoration: none;transition: opacity 0.1s ease-in;color: white;border-radius: 2px;display: inline-block;font-size: 11px;font-weight: bold;line-height: 19px;text-align: left;border-style: solid;border-width: 4px 0 4px 4px;mso-border-width-alt: 4px 8px 8px 8px;background-color: #0d464f;border-color: #0d464f;mso-border-color-alt: #0d464f;width: 81px;box-sizing: content-box;" href="https://cover.cmail20.com/t/d-li-etlhuit-tuxkulyjy-jr/">
              &nbsp;<img style="border: 0;display: inline-block;margin-right: 2px;vertical-align: -3px;" src="http://i3.cmail20.com//static/eb/master/13-the-blueprint-3/images/linkedinshare-white-flex@2x.png" width="16" height="16" border="0" alt="">
              <span style="font-size: 11px;mso-text-raise: 3px;">Share&nbsp;</span>
            </a>
          </div>
          <div class="flexible-footer__share-button__container" style="Margin-bottom: 6px;mso-line-height-rule: exactly;margin-right: 20px;">
            <a class="icon-white" style="text-decoration: none;transition: opacity 0.1s ease-in;color: white;border-radius: 2px;display: inline-block;font-size: 11px;font-weight: bold;line-height: 19px;text-align: left;border-style: solid;border-width: 4px 0 4px 4px;mso-border-width-alt: 4px 8px 8px 8px;background-color: #0d464f;border-color: #0d464f;mso-border-color-alt: #0d464f;width: 81px;box-sizing: content-box;" href="https://cover.forwardtomyfriend.com/d-tuxkulyjy-E0F23179-etlhuit-l-jy" lang="en">
              &nbsp;<img style="border: 0;display: inline-block;margin-right: 2px;vertical-align: -3px;" src="http://i4.cmail20.com//static/eb/master/13-the-blueprint-3/images/forwardtoafriend-white-flex@2x.png" width="16" height="16" border="0" alt="">
              <span style="font-size: 11px;mso-text-raise: 3px;">Forward&nbsp;</span>
            </a>
          </div>
        </div>
      </div>
    </div>
        <!--[if mso]></td><![endif]-->
        <!--[if mso]><td valign="top"><![endif]-->
          <table style="border-collapse: collapse;table-layout: fixed;display: inline-block;width: 334px;" cellpadding="0" cellspacing="0"><tbody><tr><td><div class="column js-footer-additional-info" style="text-align: left;font-size: 12px;line-height: 19px;color: #999;font-family: sans-serif;width: 334px;">
      <div style="margin-left: 0;margin-right: 0;Margin-top: 10px;Margin-bottom: 10px;">
        <div class="email-footer__additional-info" style="font-size: 12px;line-height: 19px;margin-bottom: 18px;margin-top: 0px;">
          <div bind-to="address"><p class="email-flexible-footer__additionalinfo--center" style="Margin-top: 0;Margin-bottom: 0;">COVER Magazine | 25 Harbour Heights Drive, Simons Town, 7975</p></div>
        </div>
        
        <div class="email-footer__additional-info" style="font-size: 12px;line-height: 19px;margin-bottom: 15px;Margin-top: 18px;">
          <div bind-to="permission"><p class="email-flexible-footer__additionalinfo--center" style="Margin-top: 0;Margin-bottom: 0;">You are receiving this communication as a subscriber to COVER or as a member of one of the associations we partner with to provide their members with expert industry updates.</p></div>
        </div>
        <div class="email-footer__additional-info" style="font-size: 12px;line-height: 19px;margin-bottom: 15px;">
          <span><a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #999;" href="https://cover.updatemyprofile.com/d-etlhuit-E0F23179-tuxkulyjy-jj" lang="en">Preferences</a>&nbsp;&nbsp;|&nbsp;&nbsp;</span><a style="text-decoration: underline;transition: opacity 0.1s ease-in;color: #999;" href="https://cover.cmail20.com/t/d-u-etlhuit-tuxkulyjy-jt/" lang="en">Unsubscribe</a>
        </div>
        <!--[if mso]>&nbsp;<![endif]-->
      </div>
    </div></td></tr></tbody></table>
        <!--[if mso]></table></td><![endif]-->
        <!--[if mso]></td></tr></table><![endif]-->
      </div>
    </div><div style="line-height:40px;font-size:40px;" id="footer-bottom-spacing">&nbsp;</div></div>
      
    </td></tr></tbody></table>
  <style type="text/css">
@media (max-width:619px){.email-flexible-footer .left-aligned-footer .column,.email-flexible-footer .center-aligned-footer,.email-flexible-footer .right-aligned-footer .column{max-width:100% !important;text-align:center !important;width:100% !important}.flexible-footer-logo{margin-left:0px !important;margin-right:0px !important}.email-flexible-footer .left-aligned-footer .flexible-footer__share-button__container,.email-flexible-footer .center-aligned-footer .flexible-footer__share-button__container,.email-flexible-footer .right-aligned-footer .flexible-footer__share-button__container{display:inline-block;margin-left:5px !important;margin-right:5px !important}.email-flexible-footer__additionalinfo--center{text-align:center !important}.email-flexible-footer .left-aligned-footer table,.email-flexible-footer .center-aligned-footer table,.email-flexible-footer .right-aligned-footer 
table{display:table !important;width:100% !important}.email-flexible-footer .footer__share-button,.email-flexible-footer .email-footer__additional-info{margin-left:20px;margin-right:20px}}
</style><img style="visibility: hidden !important; display: block !important; height:1px !important; width:1px !important; border: 0 !important; margin: 0 !important; padding: 0 !important" src="https://cover.cmail20.com/t/d-o-etlhuit-tuxkulyjy/o.gif" width="1" height="1" border="0" alt="">
</body></html>



