<!-- WEB FONTS -->
	<link href="https://fonts.googleapis.com/css?family=Oswald:400,700" rel="stylesheet">

	<style type="text/css">

	[style*="Oswald"] {
	  font-family: 'Oswald', Arial, sans-serif !important;
	}
	[style*="Oswald-Bold"] {
	  font-family: 'Oswald', 'Arial Black', Arial, sans-serif !important;
	  font-weight:700;
	}
	.bottomPadding30 {
	}
	</style>

	<!--[if gt mso 9]>
	<style type="text/css">
		[style*="Oswald"] {font-family: 'Oswald', Arial, sans-serif !important;}
		[style*="Oswald-Bold"] {font-family: 'Arial Black', Arial, sans-serif !important;}
	</style>
	<![endif]-->

	<style type="text/css">
	* {
	  -webkit-text-size-adjust: none;
	}

	/* prevent iOS font upsizing */
	.ExternalClass * {
	  line-height: 100%;
	}

	/* force Outlook.com to honor line-height */
	td {
	  mso-line-height-rule: exactly;
	}

	a[x-apple-data-detectors] {
	  color: inherit !important;
	  text-decoration: none !important;
	  font-size: inherit !important;
	  font-family: inherit !important;
	  font-weight: inherit !important;
	  line-height: inherit !important;
	}

	/* CTA hover effect */
	.hoverPrimaryCTA:hover {
	  background-color: #ffffff !important;
	  color: #a1784d !important;
	}
	.hoverPrimaryCTA:hover a {
	  border-color: #a1784d !important;
	  background-color: #ffffff !important;
	  color: #a1784d !important;
	}
	.hoverSecondaryCTA:hover {
	  background-color: #a1784d !important;
	  color: #ffffff !important;
	}
	.hoverSecondaryCTA:hover a {
	  border-color: #ffffff !important;
	  background-color: #a1784d !important;
	  color: #ffffff !important;
	}
	.hoverTertiaryCTA:hover {
	  color: #000000 !important;
	  background-color: #ffffff !important;
	}
	.hoverTertiaryCTA:hover a {
	  border-color: #ffffff !important;
	  background-color: #ffffff !important;
	  color: #000000 !important;
	}

	/*** Responsive CSS ***/
	@media only screen and (max-width: 414px) {
	/*** Layout ***/
	body {
	  width: 100%;
	  min-width: 100%;
	  position: relative;
	  top: 0;
	  left: 0;
	  right: 0;
	  margin: 0;
	  padding: 0;
	}
	.marginFix {
	  position: relative;
	  top: 0;
	  left: 0;
	  right: 0;
	}
	.full-width-container {
	  width: 100% !important;
	  min-width: 320px !important;
	}
	.full-width-container-inner {
	  width: 100% !important;
	  min-width: 100% !important;
	  padding: 0px 10px 0px 10px !important;
	}
	.hide {
	  width: 0px !important;
	  height: 0px !important;
	  display: none !important;
	}
	.display {
	  display: block !important;
	}
	.show {
	  display: table-cell !important;
	  height: auto !important;
	  max-height: inherit !important;
	  overflow: visible !important;
	  float: none !important;
	}
	.show img {
	  width: auto;
	  display: block !important;
	  height: auto;
	  margin: 0 0 0 0 !important;
	}
	.full-width {
	  width: 100% !important;
	  min-width: 100% !important;
	}
	.responsiveCell {
	  width: 100% !important;
	  display: block !important;
	}
	.stackTbl {
	  width: 100% !important;
	  display: table !important;
	}
	.stackTblMarginTop {
	  width: 100% !important;
	  display: table !important;
	  margin-top: 60px !important;
	}
	.stackTblMarginTop40 {
	  width: 100% !important;
	  display: table !important;
	  margin-top: 40px !important;
	}
	.stackTblMarginTop20 {
	  width: 100% !important;
	  display: table !important;
	  margin-top: 20px !important;
	}
	.center {
	  margin: 0px auto !important;
	  text-align: center !important;
	}
	.align-center {
	  text-align: center !important;
	}
	.alignLeft {
	  text-align: left !important;
	}
	.autoHeight {
	  height: auto !important;
	}
	.height380 {
	  height: 380px !important;
	}
	.height320 {
	  height: 320px !important;
	}
	.height20 {
	  height: 20px !important;
	}	
	.height414 {
	  height: 414px !important;
	}
	.showme {
	  display: block !important;
	  width: auto !important;
	  overflow: visible !important;
	  float: none !important;
	  max-height: inherit !important;
	  max-width: inherit !important;
	  line-height: auto !important;
	  margin-top: 0px !important;
	  visibility: inherit !important;
	}
	.noborder {
	  border: none !important;
	}

	/*** Padding Styles ***/
	.padding0 {
	  padding: 0px !important;
	}
	.padding40 {
	  padding: 40px 40px 40px 40px !important;
	}
	.topPadding0 {
	  padding-top: 0px !important;
	}
	.topPadding5 {
	  padding-top: 5px !important;
	}
	.topPadding10 {
	  padding-top: 10px !important;
	}
	.topPadding20 {
	  padding-top: 20px !important;
	}
	.topPadding30 {
	  padding-top: 30px !important;
	}
	.topPadding40 {
	  padding-top: 40px !important;
	}
	.topPadding50 {
	  padding-top: 50px !important;
	}
	.bottomPadding0 {
	  padding-bottom: 0px !important;
	}
	.bottomPadding5 {
	  padding-bottom: 5px !important;
	}
	.bottomPadding10 {
	  padding-bottom: 10px !important;
	}
	.bottomPadding20 {
	  padding-bottom: 20px !important;
	}
	.bottomPadding30 {
	  padding-bottom: 30px !important;
	}
	.bottomPadding40 {
	  padding-bottom: 40px !important;
	}
	.bottomPadding50 {
	  padding-bottom: 50px !important;
	}
	.rightPadding0 {
	  padding-right: 0px !important;
	}
	.rightPadding10 {
	  padding-right: 10px !important;
	}
	.rightPadding20 {
	  padding-right: 20px !important;
	}
	.rightPadding30 {
	  padding-right: 30px !important;
	}
	.leftPadding0 {
	  padding-left: 0px !important;
	}	
	.leftPadding10 {
	  padding-left: 10px !important;
	}
	.leftPadding20 {
	  padding-left: 20px !important;
	}
	.leftPadding30 {
	  padding-left: 30px !important;
	}
	.mobileSidePadding10 {
	  padding-left: 10px !important;
	  padding-right: 10px !important;
	}	
	.mobileSidePadding20 {
	  padding-left: 20px !important;
	  padding-right: 20px !important;
	}
	.mobileSidePadding30 {
	  padding-left: 30px !important;
	  padding-right: 30px !important;
	}

	/*** Mobile Font Size ***/
	.fontSize36 {
	  font-size: 36px !important;
	  line-height: 40px !important;
	}
	.fontSize25 {
	  font-size: 25px !important;
	  line-height: 29px !important;
	}
	.fontSize20 {
	  font-size: 20px !important;
	  line-height: 24px !important;
	}

	/*** Text/Divider/Image Styles ***/
	.noBackground {
	  background: none !important;
	  height: auto !important;
	}
	.fullWidthImg {
	  width: 100% !important;
	  height: auto !important;
	  min-width: 100% !important;
	}

	/* IMAGE SWAPS */
	/* background image resize scalable height */
	.imgReplaceF1 {
	  background-image: url(http://media.4at5.net/email_domains/yrd/229534/images/f1_background_m.jpg) !important;
	  width: 100% !important;
	  height: 380px !important;
	  /* update height here */
	  background-size: cover !important;
	  background-position: center top !important;
	  background-repeat: no-repeat !important;
	  display: block !important;
	}
	.imgReplaceF2 {
	  background-image:url(http://media.4at5.net/email_domains/yrd/229534/images/f2_background_m.jpg) !important; 
	  width:100% !important; 
	  /* update height here */
	  height:320px !important;
	  background-size:cover !important;
	  background-color:#666666 !important;
	  background-position:center top !important;
	  background-repeat:no-repeat !important;
	  display:block !important;
	}
	.imgReplaceF3 {
	  background-image:url(http://media.4at5.net/email_domains/yrd/229534/images/f2_background_m.jpg) !important; 
	  width:100% !important; 
	  /* update height here */
	  height:320px !important;
	  background-size:cover !important;
	  background-color:#666666 !important;
	  background-position:center top !important;
	  background-repeat:no-repeat !important;
	  display:block !important;
	}
	.imgReplaceF4 {
	  background-image:url(http://media.4at5.net/email_domains/yrd/229534/images/f2_background_m.jpg) !important; 
	  width:100% !important; 
	  /* update height here */
	  height:320px !important;
	  background-size:cover !important;
	  background-color:#666666 !important;
	  background-position:center top !important;
	  background-repeat:no-repeat !important;
	  display:block !important;
	}
	.imgReplaceF5 {
	  background-image:url(http://media.4at5.net/email_domains/yrd/229534/images/f2_background_m.jpg) !important; 
	  width:100% !important; 
	  /* update height here */
	  height:320px !important;
	  background-size:cover !important;
	  background-color:#666666 !important;
	  background-position:center top !important;
	  background-repeat:no-repeat !important;
	  display:block !important;
	}
	.imgReplaceF6 {
	  background-image:url(http://media.4at5.net/email_domains/yrd/229534/images/f2_background_m.jpg) !important; 
	  width:100% !important; 
	  /* update height here */
	  height:320px !important;
	  background-size:cover !important;
	  background-color:#666666 !important;
	  background-position:center top !important;
	  background-repeat:no-repeat !important;
	  display:block !important;
	}
	.imgReplaceS5-1 {
	  background-image:url(http://media.4at5.net/email_domains/yrd/229534/images/f2_background_m.jpg) !important; 
	  width:100% !important; 
	  /* update height here */
	  height:200px !important;
	  background-size:cover !important;
	  background-color:#666666 !important;
	  background-position:center top !important;
	  background-repeat:no-repeat !important;
	  display:block !important;
	}
	.imgReplaceS5-2 {
	  background-image:url(http://media.4at5.net/email_domains/yrd/229534/images/f2_background_m.jpg) !important; 
	  width:100% !important; 
	  /* update height here */
	  height:200px !important;
	  background-size:cover !important;
	  background-color:#666666 !important;
	  background-position:center top !important;
	  background-repeat:no-repeat !important;
	  display:block !important;
	}
	.imgResize {
	  background-image: url(http://media.4at5.net/email_domains/yrd/229534/images/transparent.png) !important;
	  width: 100% !important;
	  height: auto !important;
	  /* update height here */
	  background-size: cover !important;
	  background-position: center top !important;
	  background-repeat: no-repeat !important;
	  display: block !important;
	}

	/*** navigation ***/
	.footer-nav {
	  padding: 0px 5px 0px 5px !important;
	}
	/*** END Responsive CSS ***/
	}

	/*** Carousel CSS ***/
	@media screen and (-webkit-min-device-pixel-ratio: 0) {
	/* bugfix for Android 4.4 to support e ~ y */
	body {
	  -webkit-animation: bugfix infinite 1s;
	}
	@-webkit-keyframes bugfix {
	from {
	  padding: 0;
	}
	to {
	  padding: 0;
	}
	}
	/* Hide Fallback content first */
	.fallback {
	  display: none;
	}
	.carousel {
	  display: block !important;
	  max-height: none !important;
	  position: relative;
	}
	/* 
	Selective blocking for clients.
	- Samsung (#MessageViewBody) - no absolute positioning
	- Comcast/Zimbra (body.MsgBody) - inconsistent CSS support
	*/
	#MessageViewBody .fallback, body.MsgBody .fallback {
	  display: block;
	}
	#MessageViewBody .carousel, body.MsgBody .carousel {
	  display: none !important;
	}
	input {
	  display: none;
	}
	.carousel a {
	  width: 100%;
	  display: block;
	  overflow: hidden;
	}
	.carousel .car-frames img {
	  display: block!important;
	  width: 100% !important;
	  height: auto !important;
	}
	.carousel.responsive {
	  width: 100% !important;
	}
	.carousel.slide a {
	  position: absolute;
	  top: 0px;
	  left: 0px;
	  opacity: 1;
	  width: 100%;
	  -webkit-animation: slide-anim 16s linear infinite;
	}
	.carousel.slide a:nth-child(1) {
	  position: relative;
	  -webkit-animation-delay: -17s;
	}
	.carousel.slide a:nth-child(2) {
	  -webkit-animation-delay: -13s;
	}
	.carousel.slide a:nth-child(3) {
	  -webkit-animation-delay: -9s;
	}
	.carousel.slide a:nth-child(4) {
	  -webkit-animation-delay: -5s;
	}	
	/* iOS doesn't like negative delay with translates (transform:translateX(100%);) */
	/* So we use margin although it is less "smooth" */
	@-webkit-keyframes slide-anim {
	/* start slide in */
	0% {
	  margin-left:100%;
	}
	5% {
	  margin-left:0%;
	}
	25% {
	  margin-left:0%;
	}
	30% {
	  margin-left:-100%;
	}
	100% {
	  margin-left:-100%;
	}
	}
	.carousel.slide .car-radio:checked~.car-cont .car-frames {
	  position: relative;
	  left: 0px;
	  top: 0px;
	  width: 400% !important;
	  transition: left 1s;
	}
	.carousel.slide .car-radio2:checked~.car-cont .car-frames {
	  left: -100%;
	}
	.carousel.slide .car-radio3:checked~.car-cont .car-frames {
	  left: -200%;
	}
	.carousel.slide .car-radio4:checked~.car-cont .car-frames {
	  left: -300%;
	}	
	.carousel.slide .car-radio:checked~.car-cont a {
	  width: 25%;
	}
	.carousel.slide .car-radio:checked~.car-cont a:nth-child(2) {
	  position: absolute;
	  left: 25%;
	  top: 0px;
	}
	.carousel.slide .car-radio:checked~.car-cont a:nth-child(3) {
	  position: absolute;
	  left: 50%;
	  top: 0px;
	}
	.carousel.slide .car-radio:checked~.car-cont a:nth-child(4) {
	  position: absolute;
	  left: 75%;
	  top: 0px;
	}
	/* Navigation arrows */
	.carousel .car-ltn, .carousel .car-rtn {
	  z-index: 100;
	  display: none;
	  width: 10%;
	  height: 100%;
	  position: absolute;
	  background-color: transparent;
	  top: 0px;
	  cursor: pointer;
	}
	.car-ltn {
	  left: 0px;
	}
	.car-rtn {
	  right: 0px;
	}
	.carousel .car-ltn::after {
	  content: url(http://media.4at5.net/email_domains/cho/2001/leftArrow.png);
	  width: 0;
	  height: 0;
	  position: absolute;
	  top: 50%;
	  margin-top: -8px;
	  -webkit-filter: drop-shadow(1px 1.5px 1px rgba(0, 0, 0, .4));
	  transform: scale(.65);
	}
	.carousel .car-rtn::after {
	  content: url(http://media.4at5.net/email_domains/cho/2001/rightArrow.png);
	  background-size: 20px !important;
	  width: 0;
	  height: 0;
	  position: absolute;
	  top: 50%;
	  left: 10%;
	  margin-top: -8px;
	  -webkit-filter: drop-shadow(1px 1.5px 1px rgba(0, 0, 0, .4));
	  transform: scale(.65);
	}
	.car-ltn::after {
	  border-right: 8px solid #ffffff;
	  left: 30%;
	}
	.car-rtn::after {
	  border-left: 8px solid #ffffff;
	  right: 30%;
	}
	.carousel #car-cbox-support:checked~.car-cont .car-nav-1 {
	  display: block;
	}
	.car-radio2:checked~.car-cont .car-controls .car-nav-2, 
	.car-radio3:checked~.car-cont .car-controls .car-nav-3, 
	.car-radio4:checked~.car-cont .car-controls .car-nav-4 {
	  display: block;
	}
	.carousel .car-radio:checked~.car-cont, .carousel .car-radio:checked~.car-cont *, .carousel .car-radio:checked~.car-thumbnails * {
	  -webkit-animation: none;
	}
	/* Thumbnails Carousel 4 Thumb */
	.carousel #car-cbox-support:checked~.car-thumbnails {
	  display: block!important;
	  text-align: center;
	  position: relative;
	}
	.carousel .car-thumb {
	  width: 24.5%;
	  opacity: 0.5;
	  z-index: 100;
	  cursor: pointer;
	  display: inline-block;
	  margin: 20px 0px;
	}
	.carousel .car-thumb img {
	  width: 99%;
	  height: auto;
	}
	@-webkit-keyframes focus3-anim {
	0% {
	  opacity: 1;
	}
	25% {
	  opacity: 1;
	}
	26% {
	  opacity: 0.5;
	}	
	}
	/* to eliminate use of delay */
	@-webkit-keyframes focus3-anim-2 {
	25% {
	  opacity: 0.5;
	}
	26% {
	  opacity: 1;
	}
	50% {
	  opacity: 1;
	}
	51% {
	  opacity: 0.5;
	}
	}
	@-webkit-keyframes focus3-anim-3 {
	50% {
	  opacity: 0.5;
	}
	51% {
	  opacity: 1;
	}
	100% {
	  opacity: 0.5;
	}
	}
	@-webkit-keyframes focus3-anim-4 {
	75% {
	  opacity: 0.5;
	}
	76% {
	  opacity: 1;
	}
	100% {
	  opacity: 1;
	}
	}		
	/* Thumbnails Carousel 4 Thumb */	
	.car-thumb:nth-child(1) {
	  -webkit-animation: focus3-anim 15s linear infinite;
	  padding-left: 0px !important;		
	}
	.car-thumb:nth-child(2) {
	  /*-webkit-animation: focus3-anim 15s linear  5s infinite;*/
	  -webkit-animation: focus3-anim-2 15s linear infinite;
	}
	.car-thumb:nth-child(3) {
	  /*-webkit-animation: focus3-anim 15s linear  10s infinite;*/
	  -webkit-animation: focus3-anim-3 15s linear infinite;
	}
	.car-thumb:nth-child(4) {
	  /*-webkit-animation: focus3-anim 15s linear  10s infinite;*/
	  -webkit-animation: focus3-anim-4 15s linear infinite;
	  padding-right: 0px !important;
	}
	.car-radio:checked~.car-thumbnails .car-thumb:nth-child(1) {
	  opacity: 0.5 !important;
	}
	.car-radio1:checked~.car-thumbnails .car-thumb:nth-child(1) {
	  opacity: 1 !important;
	}
	.car-radio2:checked~.car-thumbnails .car-thumb:nth-child(2), .car-radio3:checked~.car-thumbnails .car-thumb:nth-child(3), .car-radio4:checked~.car-thumbnails .car-thumb:nth-child(4) {
	  opacity: 1;
	}
	}
	@media all {
	.ow100 {
	  width: 100% !important;
	}
	}
	@media only screen and (max-width: 414px) {
	/* Thumbnails Carousel 4 Thumb */	
	.carousel .car-thumb {
	  width: 43%;
	  opacity: 0.5;
	  z-index: 100;
	  cursor: pointer;
	  display: inline-block;
	  margin: 15px 7px 0px 7px;
	}
	}
	@media all {
	.ow100 {
	  width: 100% !important;
	}
	}
	/* END CAROUSEL CSS - DELETE IF NOT NEEDED */

	</style>