How To Avoid Border Patrol Checkpoints In Texas, House Rent In Kuwait For Expats, Articles L

Your pension may not be sufficient to cover your entire annual income needs during retirement; therefore, your own assets may be needed to supply the difference. 36. Privacy Terms of Use EU and UK Data Protection Notice Cookies, Lockheed Martin Reduces Gross Pension Obligation by $4.3 Billion with Purchase of Group Annuity Contracts, For further information: Media Contact: Cailin Schmeer, spokesperson, Global Media Relations, +1 301-214-3030; media.relations@lmco.com; Investor Relations Contacts: Greg Gardner, vice president, Investor Relations, +1 301-897-6584; greg.m.gardner@lmco.com or David Weston, director, Investor Relations, +1 301-897-6455; david.weston@lmco.com. 34. 2023 Lockheed Martin Corporation. The company says there's nothing it can do. 44. 42. We are required to regularly review our benefits programs to ensure they meet all regulations. P.O. What happens to my pension benefit if I leave Lockheed Martin before the freeze takes full effect, i.e. upon the death of a retired executive. There can be no assurance that future events will occur as anticipated, if at all, or that actual results will be as expected. Weve intentionally outlined a lengthy transition period where our employees pension benefits will continue to grow. Our Complementary consultation and free report are for informational purposes only and provided free without any obligation to utilize or retain our investment advisory services. Taking action to help you protect what matters most. Contact the Lockheed Martin Employee Service Center (LMESC): By Phone: 866-562-2363 (toll-free) Overseas employees: 201-242-4397 TDD services: 800-TDD-TDD4 Hours: 8 a.m. - 8 p.m., Monday - Friday, ET. I said Bright House can send someone to look -- there's no remote cable box anywhere! It's just not fair. What current regulations require us to make changes to the pension plan in the next few years? Participant, on the form provided by the Corporation, to receive 12. to limit participation to employees who became an Eligible basis. Our Lockheed Martin clients in the Syracuse and Owego plants often ask for our recommendation on how to elect their pension payment. Your personalized website inside Lockheeds. But it's . There are no plans to offer any incentivized buyout. Overall Benefits and Compensations 4.0 based on 7k ratings and reviews on Indeed Benefits found on job postings Retirement plan If youre ready to start planning for a brighter financial future, Rockbridge is ready with the advice you need to achieve your goals. For more tips like these,click hereto sign up for our weekly email blog newsletter. We like to think of the 100% survivorship option as an insurance policy. Once you have identified your life expectancy, move onto Step Two. [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_global id=4495], Dual Lockheed Employee Couples and the Pension Survivor Decision. Privacy Terms of Use EU and UK Data Protection Notice Cookies, Review your current elections to the 401(k) Plan and make any changes, Assess what youve saved for retirement versus a savings estimate based on your age and income today, Read articles and financial market commentary on saving and investing for retirement. LMESC: 866-562-2363 Savings Plan Information Line:800-444-4015. We have invested in developing and demonstrating hypersonic technology for over 30 years. Ready for a math lesson? Introducing a unified retirement program ensures that were offering consistent and competitive retirement benefits to the majority of Lockheed Martin salaried employees. click hereto sign up for our weekly email blog newsletter. Lockheed Martin benefits and perks, including insurance benefits, retirement benefits, and vacation policy. Benefits Stf at Lockheed Martin Corp. Huntingtown, Maryland, United States. sponsored on March14, 1995 by Martin Marietta Corporation or 25. Lockheed Martin will continue to match up to 50 percent of the first 8 percent of your contributions to the 401(k) Plan. For example, the 100% survivorship option would provide a large death benefit if John were to pass away early (say, 5 years into retirement) and his spouse lived a long life. retirement age while at the same time enabling the Corporation to Bonus Reviews Logos provided by Benefits Summary for Lockheed Martin Corp Health & Insurance Benefits Health. Take the hypothetical example: John works at Lockheed Martin in Syracuse and his life only pension benefit is $5,000/month, or $60,000/year. Box 462. Our Multi-Domain Operations/Joint All-Domain Operations solutions provide a complete picture of the battlespace and empowers warfighters to quickly make decisions that drive action. 9. If I leave Lockheed Martin before the end of the freeze period and return at a later date, what happens to my pension benefit? More detailed information will be provided to you well in advance of the first contribution change. employment with any of its subsidiaries or affiliates shall not Lockheed Martin regularly reviews the benefits we offer to keep them competitive and ensure they continue to align with the needs of both our employees and the company. Corporation Post-Retirement Death Benefit Plan for Elected Will the new automatic company contributions be added to a new savings account? Accordingly, Management Incentive Compensation Plan payments paid to employees in 2016 will be credited to 2015 pension eligible pay and will be the final year the Management Incentive Compensation Plan is used in the pension formula. We are taking steps to encourage each of our employees to actively participate in that program. If youre not sure which plan(s) you participate in, please contact the Lockheed Martin Employee Service Center toll-free at 866-562-2363. To access the LMESC, please have your "Social Security number" and "PIN" available. Pension Plan benefits are determined by many variables based on service. He would have paid $60,000 of insurance premiums ($12,000/year x 5 years) and his spouse would receive $960,000 of pension payments if she lived for 20 years after Johns early death. phrases shall have the meanings hereinafter indicated: 1. If you have questions related to the 401 (k) Plan, please contact the Savings Plan Information Line. In the pension formula of our Pension Plan, the annual accrual of service is expected to be more valuable for the majority of employees. Contact the Lockheed Martin Employee Service Center (LMESC): 2023 Lockheed Martin Corporation. Learn how we are strengthening the economies, industries and communities of our global partner nations. Actual results may differ materially due to factors such as: the amount of the expected settlement charge, the accuracy of the Lockheed Martin's estimates and projections; timing and estimates regarding pension funding and movements of interest rates; and other changes that may affect pension plan assumptions, stockholders' equity, the level of the FAS/CAS adjustment and actual returns on pension plan assets and the impact of pension related legislation. To better understand the total impact to your retirement benefits, you can use the Retirement Income Modeler at LM People>Pay and Benefits>LM Employee Service Center. BENEFICIARY The person or When trying to determine the most appropriate pension benefit, keep in mind that they all yield a similar end result because they are based on actuarial tables for life expectancy. If you were grandfathered into Lockheed Martins pension plan before the freeze date, your benefits will be paid out as a set monthly amount occurring regularly. 11. 26. 37. The transition to an enhanced defined contribution plan will allow us to better manage our future financial obligations and ensure that we maintain our market competitiveness. ARTICLE I . Participant becomes a Participant, the Board of Directors Eligible Executive attains age 65; and, the separation Follow this path to get there: > Pay and Benefits > LM Employee Service Center. 41. Single Life Only - this is the amount you, the retiree, would receive for your lifetime and your pension payments would end at your death. Our pension program is a defined benefit program, which is a commitment by an employer to pay their workers a set monthly benefit after they retire. Does this change affect my Social Security benefit? Lockheed Martins objective was to design a plan that helps both current and future employees plan for retirement while managing the cost and services to our customers. Even after the changes, our retirement program remains competitive in the marketplace. The new company contribution will be credited to an eligible employees Salaried Savings Plan (SSP) account. If I am a part-time employee in the pension plan, how am I impacted by the changes? BOARD or BOARD OF DIRECTORS After a while, we told him to forget it, and he left without setting it up. In subsequent years, the amount to withdraw should be adjusted for inflation. Cheers! Lockheed Martin wants to make sure that our current and future employees have a consistent and competitive retirement program that will support them during retirement. This provides the same pension payment as the 100% survivorship option after the insurance premiums are paid. Which benefits does Lockheed Martin provide? The Pension Plan uses the highest three years of pay within the last 10-year period. ($1,000,000 x 0.04 equals $40,000.) succeeding subsection. 21. Introducing a unified retirement program ensures that were offering consistent and competitive retirement benefits to the majority of Lockheed Martin salaried employees. The Capital Accumulation Plan, or CAP, is provided to salaried employees who joined Lockheed Martin after Dec. 31, 2005, and are not eligible for the Pension Plan. 20. To Jack in Orlando: I called that number. Most Lockheed Martin executives are eligible to receive significant pension benefits beginning at age 55. The pension-related impact for part-time employees is no different than full-time employees. For 401(k) Plan-related questions, first view the materials found here. 32. BETHESDA, Md., June 27, 2022 /PRNewswire/ -- Lockheed Martin Corporation (NYSE: LMT) today announced it has purchased group annuity contracts from Athene Holding Ltd. (NYSE: ATH), a leading retirement services company. the post-retirement death benefit provided under this Plan. terminate. Participants annualized base salary for the pay period You can probably give last rites to that $1,000 deposit you've been waiting for him to return. The words "believe," "estimate," "anticipate," "project," "intend," "expect," "plan," "outlook," "scheduled," "forecast," and similar expressions are intended to identify forward-looking statements. 4. According to the Associated Press. 2. the following requirements (or those requirements which have not If you would like to get better educated on Lockheed retirement strategies,click hereto download our Free Report titledRetire with Confidence: The Top 4 Things You Can Do Now to Maximize your Lockheed Retirement. Some things will remain the same. Once you have gathered your pension survivor benefit options, calculated your current assets and needs, and determined your life expectancy, youre ready to start analyzing your overall situation to see which survivor benefit option fits your best or youre ready to find a professional to analyze it for you. . Asked June 29, 2018. Does freezing the Pension Plan impact early retirement factors or other plan provisions? The financial impact will vary by individual based on many factors, including: which plans you participate in today, how close you are to retirement, the level of benefits youve already earned under the plans, how much you contribute to the 401(k) Plan, as well as many other factors. At the other extreme, his 100% survivorship benefit is $4,000/month, or $48,000/year; a $12,000/year difference between the benefits. The pay used in your pension calculation will be the highest three years out of the last 10-year period, with the end of that 10-year period being Jan. 1, 2016, or the date you leave, whichever is earlier. For CAP participants, starting on Jan. 1, 2016, you will receive an automatic company contribution of 2 percent of your salary into your new Lockheed Martin Retirement Savings Account, which will be posted weekly. 8. I smell a scam. If you have additional questions related to the Pension Plan, please contact the Lockheed Martin Employee Service Center (LMESC). From the site, you can: LM People > Pay and Benefits > LM Employee Service Center, 2023 Lockheed Martin Corporation. Yes. As financial planning nerds, we enjoy exploring all these unique strategies to determine whats best for each client. 2. Is Lockheed Martin making this change for financial reasons? These details are provided in your plans Summary Plan Description. result in commencement of entitlement to any benefit. . February15 of the year following the year in which the A less common, but interesting strategy, is using life insurance coupled with the life only benefit to provide protection for Johns spouse. May25, 1995. As of Jan. 1, 2016, when the pay component of your benefit formula will freeze, the plan will recognize pay for the years beginning in 2006 and ending in 2015. Based on current trends, we project that around the year 2020, our salaried pension plan will no longer meet the IRS requirements for a tax-deferred plan. 3. They are small though. Your Management Incentive Compensation Plan payment is credited to pension-eligible pay the year it is earned. Generally, you are eligible to participate in the Salaried Savings Plan if you are a non-represented salaried employee and you work at least 20 hours a week (refer to the Summary Plan Description available through LM People > Benefits Overview for more details). The Board of Directors of Lockheed Martin For Lockheed Martin Savings Plan (HSP) information and settlement, contact Empower at 833 562-4015. Its important to know what your pension survivor benefit options are. 14. Who is affected by the retirement program change? Answered June 29, 2018. How is my current pension benefit calculated? Predecessor Plan, to the extent the benefit under the Predecessor separation from employment with the Corporation in order to accept You can also use the Contact Us or Click to Chat features found on the LM Employee Service Center homepage. EMPLOYEE A person Will the pension plan be frozen for executives? The amount payable under 29. You should consult the plan's Summary Plan Description for details on how your current pension plan benefit is calculated. persons (including a trust or trusts) validly designated by a Retirement and continue during the lifetime of a Participant unless If you have questions related to the 401(k) Plan, please contact the Savings Plan Information Line. If you have less than five years of service, this will be an increase. If you leave before Jan. 1, 2020, your pension benefit will reflect your credited service as of the date you leave Lockheed Martin. Understanding Your New Retirement Benefits. Your Social Security benefit is a function of your contributions into Social Security over the course of your career. What Accidental Death & Dismemberment Insurance benefit do Lockheed Martin employees get? ELIGIBLE EXECUTIVE An Lockheed Martin, through its master retirement trust, purchased a group annuity contract from Metropolitan Tower Life Insurance Company in December 2020. 4. after these executives reach retirement age. Corporation. During 2014, the plan recognizes pay for the years beginning in 2004 and ending in 2013. death. Specifically, in order for a retirement benefit to remain qualified for tax-deferred status, the IRS requires a company to maintain a balance between participants that fall into the highly-compensated category and those that do not, within each plan. 6. While the formula is a bit of a head-scratcher, it helps provide insight on how your Lockheed pension benefit is calculated and what factors are involved. By proactively making this decision now, it gives our employees time to plan for the changes. These are only some of the factors that may affect the forward-looking statements contained in this news release. Plan shall commence immediately on termination of employment for The court affirmed a 2011 ruling of the U.S. District Court for the Northern District of California, which held . 23. Plus, employees will benefit from an enhanced company contribution. Our Multi-Domain Operations/Joint All-Domain Operations solutions provide a complete picture of the battlespace and empowers warfighters to quickly make decisions that drive action. Employees based internationally have different retirement benefits programs, which are subject to country-specific laws and regulations, and assessed against local market practices and conditions. service: the Eligible 8. We have invested in developing and demonstrating hypersonic technology for over 30 years. However, the years of service component of the calculation will be recognized through Jan. 1, 2020 (or the date you retire or leave the company, if earlier). Officers, as in effect at any time and from time to If you have additional questions related to the Pension Plan, please contact the Lockheed Martin Employee Service Center (LMESC). 1. For example, if you want to withdraw $40,000 per year from your retirement portfolio, you need $1 million dollars in your retirement portfolio. Although we closed the defined benefit pension plan to new participants in 2006, nearly half of our current salaried workforce continues to participate, and our financial liability for this plan continues to increase substantially. As part of your benefits information, you will receive a pension estimate with the varying amounts for the survivorship options. The Lockheed Martin Corporation The primary difference is the formula used to calculate your pension benefit. However, this option has little value if John and his spouse pass away around the same time or Johns spouse predeceases him (assuming no pop-up provision). Participant shall otherwise be entitled under this Plan shall Slightly different definitions of pay may apply for employees with prior plan benefits. Can you tell me about my new retirement benefits? experienced executives to remain with the Corporation until Copyright 2023 RPCD Holdings LLC. Lockheed Martin Pension Benefits Session Timeout. As is the case today, if you leave and are rehired you will not be able to earn additional service under the pension formula. constitute Retirement under the terms of the Plan and shall not Our expertise comes from working with LMT employees for several years and helping them to retire with confidence. This news release contains statements that, to the extent they are not recitations of historical fact, constitute forward-looking statements within the meaning of the federal securities laws, including the expected non-cash settlement charge, and are based on Lockheed Martin's current expectations and assumptions. [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container], This isnt the most fun thing to do but a necessity. About Lockheed MartinHeadquartered in Bethesda, Maryland, Lockheed Martin Corporation is a global security and aerospace company that employs approximately 114,000 people worldwide and is principally engaged in the research, design, development, manufacture, integration and sustainment of advanced technology systems, products and services. We took action now to ensure our plan does not become non-qualified for IRS tax-deferred status and to avoid our employees and the company incurring significant tax penalties. Managing the cost growth of our pension fund is important to ensuring we remain a strong and competitive company for the long term. shall be considered Retirement from the Corporation except that While Elizabeth's qualified pay (her salary) is $280,000, her annual total compensation is $600,000. Beginning in 2020, we will be able to pass some of the expected savings on to our customers. 2. Unless you took out a student loan in 1989 -- not likely at your age -- I don't think you owe them $6,800. Another important factor is the change to our workforce. The best thing to do is to look at your family history and see at what age your parents, grandparents, etc. 481 followers . No. As a result, current regulations will require us to make changes in the pension plan in the next few years or employees and the company will incur significant tax penalties. We develop laser weapon systems, radio frequency and other directed energy technologies for air, ground and sea platforms to provide an affordable countermeasure alternative. 75% Survivor this is the amount you, the retiree, would receive for your lifetime and if your spouse survives you, then he or she would continue to receive 75% of your pension payment until his or her death. These statements are not guarantees of future performance and are subject to risks and uncertainties. We do not expect to see any significant cost savings for the company until after 2020. What happens if I leave Lockheed Martin before I reach retirement age? In both scenarios John would have been much better off if he elected the life only option. management of a business, whether as owner, controlling Is Lockheed Martin planning to fully freeze the Pension Plan on Jan. 1, 2020? Since we closed the pension plan to new participants in 2006, we expect that by 2016 the majority of our employees will not be pension participants. Our Lockheed Martin clients in the Syracuse and Owego plants often ask for our recommendation on how to elect their pension payment. How is pay defined under the revised Pension Plan? Reported anonymously by Lockheed Martin employees. Beginning Jan. 1, 2020, the 2 percent contribution will increase to 6 percent to align with the full freeze of the Pension Plan. 5. This option is more common than life-only as it provides protection for Johns spouse in the event he predeceases her, especially early in retirement. In connection with this transaction, the company expects to recognize a non-cash, non-operating settlement charge of approximately $1.5 billion ($1.2 billion, or $4.50 per share, after tax) in the second quarter of 2022, related to the accelerated recognition of actuarial losses for the affected plans that were included in stockholders' equity. A less common, but interesting strategy, is using life insurance coupled with the life only benefit to provide protection for Johns spouse. Single Life Only this is the amount you, the retiree, would receive for your lifetime and your pension payments would end at your death. otherwise, for the purposes of this Plan, the following words and You can use two basic rules of thumbs as a starting place to figure this out. This information was lost and might have stayed lost for a long time if not for Carolyn Aldorfer, manager of employee benefits at Lockheed Martin Orlando. If John elects the 100% survivorship option, he is essentially purchasing a $12,000/year insurance policy (difference between life only and 100% survivorship option) with an unknown, declining death benefit for his spouse. is confidential, or shall be found by the Board of Directors to Investment products are not FDIC insured, have no bank guarantee, and may gain or lose value. No, this change will have no impact to your accrued benefit earned to date. For more details, please refer to the plans Summary Plan Description found on LM People>Pay and Benefits>LM Employee Service Center. LM People> Pay and Benefits > LM Employee Service Center. You are here: Home Search Search Results Document. I haven't called him 57 times yet, as you did, but I think I got the (non)message. If you are currently accruing a benefit under the pension plan, you can find a pension estimate in the history of your Pension Estimating Tool. The earnings component of the pension plan will freeze as of Jan. 1, 2016, regardless of employment status. Will this change affect the pension benefit Ive already earned? That means the percentage of participants in the plan who the IRS considers highly-compensated is increasing each year as our employees advance in their careers. Not to worry, there is no grade and this involves the money you will receive upon retirement (woohoo!). Eligible Executive attains age 55; the Eligible 27. The deceased participant's Social Security number. Option 3: Pension Maximization Strategy. 7. Instead of choosing a survivorship option, John elects the life only option and purchases life insurance to protect his spouse if he were to predecease her. person or persons entitled by will or the laws of descent and Participants employment which would have justified the Does this change affect my non-qualified pension benefit? Does this change affect my Non-Qualified Salaried Savings Plan (NQSSP) account? The actual settlement charge will depend on finalization of the actuarial assumptions, including discount rate and investment rate of return, as of the measurement date. LMESC: 866-562-2363 Savings Plan Information Line: 800-444-4015 Plan for Your Future Retirement Income Modeler 13. For pension-related questions, first view the Retirement Income Modeler and Pension Estimating Tool, which allow you to run various scenarios using your personal information. Lockheed Martin's filings may be accessed through the Investor Relations page of its website, www.lockheedmartin.com/investor, or through the website maintained by the SEC at www.sec.gov. [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=no hundred_percent_height=no hundred_percent_height_scroll=no hundred_percent_height_center_content=yes equal_height_columns=no menu_anchor= hide_on_mobile=small-visibility,medium-visibility,large-visibility status=published publish_date= class= id= link_color= link_hover_color= border_color= border_style=solid margin_top= margin_bottom= padding_top= padding_right= padding_bottom= padding_left= gradient_start_color= gradient_end_color= gradient_start_position=0 gradient_end_position=100 gradient_type=linear radial_direction=center center linear_angle=180 background_color= background_image= background_position=center center background_repeat=no-repeat fade=no background_parallax=none enable_mobile=no parallax_speed=0.3 background_blend_mode=none video_mp4= video_webm= video_ogv= video_url= video_aspect_ratio=16:9 video_loop=yes video_mute=yes video_preview_image= filter_hue=0 filter_saturation=100 filter_brightness=100 filter_contrast=100 filter_invert=0 filter_sepia=0 filter_opacity=100 filter_blur=0 filter_hue_hover=0 filter_saturation_hover=100 filter_brightness_hover=100 filter_contrast_hover=100 filter_invert_hover=0 filter_sepia_hover=0 filter_opacity_hover=100 filter_blur_hover=0 type=legacy][fusion_builder_row][fusion_builder_column type=1_4 layout=1_4 spacing= center_content=no link= target=_self min_height= hide_on_mobile=large-visibility class=side-bar id= background_image_id= hover_type=none border_color= border_style=solid border_position=all border_radius_top_left= border_radius_top_right= border_radius_bottom_right= border_radius_bottom_left= box_shadow=no box_shadow_vertical= box_shadow_horizontal= box_shadow_blur=0 box_shadow_spread=0 box_shadow_color= box_shadow_style= padding_top= padding_right= padding_bottom= padding_left= margin_top= margin_bottom= background_type=single gradient_start_color= gradient_end_color= gradient_start_position=0 gradient_end_position=100 gradient_type=linear radial_direction=center center linear_angle=180 background_color= background_image= background_position=left top background_repeat=no-repeat background_blend_mode=none animation_type= animation_direction=left animation_speed=0.3 animation_offset= filter_type=regular filter_hue=0 filter_saturation=100 filter_brightness=100 filter_contrast=100 filter_invert=0 filter_sepia=0 filter_opacity=100 filter_blur=0 filter_hue_hover=0 filter_saturation_hover=100 filter_brightness_hover=100 filter_contrast_hover=100 filter_invert_hover=0 filter_sepia_hover=0 filter_opacity_hover=100 filter_blur_hover=0 last=false border_sizes_top=0 border_sizes_bottom=0 border_sizes_left=0 border_sizes_right=0 first=true spacing_right=][fusion_title title_type=text rotation_effect=bounceIn display_time=1200 highlight_effect=circle loop_animation=off highlight_width=9 highlight_top_margin=0 before_text= rotation_text= highlight_text= after_text= hide_on_mobile=small-visibility,medium-visibility,large-visibility class= id= content_align=left size=4 font_size= animated_font_size= fusion_font_family_title_font= fusion_font_subset_title_font= fusion_font_variant_title_font= line_height= letter_spacing= margin_top= margin_bottom= margin_top_mobile= margin_bottom_mobile= text_color= animated_text_color= highlight_color= style_type=none sep_color= animation_type= animation_direction=left animation_speed=0.3 animation_offset= margin_top_small= margin_bottom_small=], [/fusion_title][fusion_recent_posts layout=default picture_size=fixed hover_type=none columns=1 number_posts=3 post_status= offset=1 pull_by=category cat_slug=lockheed-martin-blog exclude_cats= tag_slug= exclude_tags= thumbnail=no title=yes meta=no meta_author=no meta_categories=no meta_date=yes meta_comments=yes meta_tags=no content_alignment=left excerpt=no excerpt_length=35 strip_html=yes scrolling=no hide_on_mobile=small-visibility,medium-visibility,large-visibility class=side-content-posts id= animation_type= animation_direction=left animation_speed=0.3 animation_offset= /][/fusion_builder_column][fusion_builder_column type=3_4 layout=3_4 spacing= center_content=no link= target=_self min_height= hide_on_mobile=small-visibility,medium-visibility,large-visibility class= id= hover_type=none border_color= border_style=solid border_position=all border_radius= box_shadow=no dimension_box_shadow= box_shadow_blur=0 box_shadow_spread=0 box_shadow_color= box_shadow_style= padding_top= padding_right= padding_bottom= padding_left= margin_top= margin_bottom= background_type=single gradient_start_color= gradient_end_color= gradient_start_position=0 gradient_end_position=100 gradient_type=linear radial_direction=center center linear_angle=180 background_color= background_image= background_image_id= background_position=left top background_repeat=no-repeat background_blend_mode=none animation_type= animation_direction=left animation_speed=0.3 animation_offset= filter_type=regular filter_hue=0 filter_saturation=100 filter_brightness=100 filter_contrast=100 filter_invert=0 filter_sepia=0 filter_opacity=100 filter_blur=0 filter_hue_hover=0 filter_saturation_hover=100 filter_brightness_hover=100 filter_contrast_hover=100 filter_invert_hover=0 filter_sepia_hover=0 filter_opacity_hover=100 filter_blur_hover=0 last=true border_sizes_top=0 border_sizes_bottom=0 border_sizes_left=0 border_sizes_right=0 first=false spacing_right=][fusion_text columns= column_min_width= column_spacing= rule_style=default rule_size= rule_color= content_alignment_medium= content_alignment_small= content_alignment= hide_on_mobile=small-visibility,medium-visibility,large-visibility sticky_display=normal,sticky class= id= margin_top= margin_right= margin_bottom= margin_left= font_size= fusion_font_family_text_font= fusion_font_variant_text_font= line_height= letter_spacing= text_color= animation_type= animation_direction=left animation_speed=0.3 animation_offset=], [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=no hundred_percent_height=no hundred_percent_height_scroll=no hundred_percent_height_center_content=yes equal_height_columns=no menu_anchor= hide_on_mobile=small-visibility,medium-visibility,large-visibility status=published publish_date= class= id= link_color= link_hover_color= border_color= border_style=solid margin_top= margin_bottom= padding_top= padding_right= padding_bottom= padding_left= gradient_start_color= gradient_end_color= gradient_start_position=0 gradient_end_position=100 gradient_type=linear radial_direction=center center linear_angle=180 background_color= background_image= background_position=center center background_repeat=no-repeat fade=no background_parallax=none enable_mobile=no parallax_speed=0.3 background_blend_mode=none video_mp4= video_webm= video_ogv= video_url= video_aspect_ratio=16:9 video_loop=yes video_mute=yes video_preview_image= filter_hue=0 filter_saturation=100 filter_brightness=100 filter_contrast=100 filter_invert=0 filter_sepia=0 filter_opacity=100 filter_blur=0 filter_hue_hover=0 filter_saturation_hover=100 filter_brightness_hover=100 filter_contrast_hover=100 filter_invert_hover=0 filter_sepia_hover=0 filter_opacity_hover=100 filter_blur_hover=0 type=legacy][fusion_builder_row][fusion_builder_column type=1_1 layout=1_1 spacing= center_content=no link= target=_self min_height= hide_on_mobile=small-visibility,medium-visibility,large-visibility class= id= hover_type=none border_color= border_style=solid border_position=all border_radius= box_shadow=no dimension_box_shadow= box_shadow_blur=0 box_shadow_spread=0 box_shadow_color= box_shadow_style= padding_top= padding_right= padding_bottom= padding_left= margin_top= margin_bottom= background_type=single gradient_start_color= gradient_end_color= gradient_start_position=0 gradient_end_position=100 gradient_type=linear radial_direction=center center linear_angle=180 background_color= background_image= background_image_id= background_position=left top background_repeat=no-repeat background_blend_mode=none animation_type= animation_direction=left animation_speed=0.3 animation_offset= filter_type=regular filter_hue=0 filter_saturation=100 filter_brightness=100 filter_contrast=100 filter_invert=0 filter_sepia=0 filter_opacity=100 filter_blur=0 filter_hue_hover=0 filter_saturation_hover=100 filter_brightness_hover=100 filter_contrast_hover=100 filter_invert_hover=0 filter_sepia_hover=0 filter_opacity_hover=100 filter_blur_hover=0 last=true border_sizes_top=0 border_sizes_bottom=0 border_sizes_left=0 border_sizes_right=0 first=true][fusion_text columns= column_min_width= column_spacing= rule_style=default rule_size= rule_color= content_alignment_medium= content_alignment_small= content_alignment= hide_on_mobile=small-visibility,medium-visibility,large-visibility sticky_display=normal,sticky class= id= margin_top= margin_right= margin_bottom= margin_left= font_size= fusion_font_family_text_font= fusion_font_variant_text_font= line_height= letter_spacing= text_color= animation_type= animation_direction=left animation_speed=0.3 animation_offset=].