{"id":114,"date":"2017-12-05T14:40:58","date_gmt":"2017-12-05T14:40:58","guid":{"rendered":"http:\/\/ladintax.com\/blog\/?p=114"},"modified":"2017-12-05T14:40:58","modified_gmt":"2017-12-05T14:40:58","slug":"travel-tips","status":"publish","type":"post","link":"http:\/\/ladintax.com\/blog\/2017\/12\/05\/travel-tips\/","title":{"rendered":"Travel Tips"},"content":{"rendered":"<p class=\"MsoNormal\"><span style=\"font-size: 12.0pt;\">Anthony Melchiorri, the host of the Travel Channel show &#8220;Hotel Impossible,&#8221; says he prefers to stay in a roadside motel <span style=\"mso-no-proof: yes;\">over<\/span> a luxury hotel &#8211; as long as it has good online reviews. In his opinion, the mom and pop ownership model often leads to painstaking efforts for cleanliness, fresh <span style=\"mso-no-proof: yes;\">flowers<\/span> and a home-cooked meal &#8211; not to mention personal recommendations for uniquely local places to visit in the area.<sup>1<\/sup><\/span><\/p>\n<p class=\"MsoNormal\"><span style=\"font-size: 12.0pt;\">&nbsp;<\/span><\/p>\n<p class=\"MsoNormal\"><span style=\"font-size: 12.0pt;\">After all, the accommodation industry is all about hospitality, and hospitality is about personal service. It doesn&#8217;t get more personal than running your own business. We feel the same way about working with our clients. We know you want to talk to familiar people when you call for information. <span style=\"mso-no-proof: yes;\">At the end of the day, we&#8217;re<\/span> all looking for that extra touch, the human connection, something that sets service above the rest. Please contact us anytime. We are here to help you with your retirement income strategy questions.<\/span><\/p>\n<p class=\"MsoNormal\"><span style=\"font-size: 12.0pt;\">&nbsp;<\/span><\/p>\n<p class=\"MsoNormal\"><span style=\"font-size: 12.0pt; mso-no-proof: yes;\">This desire for the personal touch remains true<\/span><span style=\"font-size: 12.0pt;\"> whether you&#8217;re at home or traveling. In a recent interview, Mr. Melchiorri offered some interesting advice for planning a vacation. For <span style=\"mso-no-proof: yes;\">example:<\/span><sup>2<\/sup><\/span><\/p>\n<p class=\"MsoNormal\"><span style=\"font-size: 12.0pt;\">&nbsp;<\/span><\/p>\n<p class=\"MsoListParagraphCxSpFirst\" style=\"text-indent: -.25in; mso-list: l1 level1 lfo2;\"><!--[if !supportLists]--><span style=\"font-size: 12.0pt; font-family: Symbol; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol;\"><span style=\"mso-list: Ignore;\">\u00b7<span style=\"font: 7.0pt 'Times New Roman';\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><!--[endif]--><span style=\"font-size: 12.0pt;\">If you&#8217;re booking a hotel, check out its most recent reviews online at sites like TripAdvisor and Yelp. Even large chains get bad reviews, and some of those roadside motels get <span style=\"mso-no-proof: yes;\">charming<\/span> ones. It pays to check before you book. <\/span><\/p>\n<p class=\"MsoListParagraphCxSpMiddle\" style=\"text-indent: -.25in; mso-list: l0 level1 lfo1;\"><!--[if !supportLists]--><span style=\"font-size: 12.0pt; font-family: Symbol; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol;\"><span style=\"mso-list: Ignore;\">\u00b7<span style=\"font: 7.0pt 'Times New Roman';\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><!--[endif]--><span style=\"font-size: 12.0pt; mso-no-proof: yes;\">While you may want to use one of those shop-and-compare websites to find a hotel, once you make a selection go to the hotel&#8217;s actual website to make your reservation.<\/span><span style=\"font-size: 12.0pt;\"> The <span style=\"color: #3e3e3e; background: white;\">hotel website is guaranteed to offer the lowest rate &#8211; Melchiorri says <span style=\"mso-no-proof: yes;\">a website<\/span> like <span style=\"mso-no-proof: yes;\">Expedia is not allowed to have a lower rate than the hotel.<\/span> <span style=\"mso-no-proof: yes;\">In addition<\/span>, <\/span>when you book through a third party, it can be more <span style=\"mso-no-proof: yes;\">difficult<\/span> to get your money back. <\/span><\/p>\n<p class=\"MsoListParagraphCxSpMiddle\" style=\"text-indent: -.25in; mso-list: l0 level1 lfo1;\"><!--[if !supportLists]--><span style=\"font-size: 12.0pt; font-family: Symbol; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol;\"><span style=\"mso-list: Ignore;\">\u00b7<span style=\"font: 7.0pt 'Times New Roman';\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><!--[endif]--><span style=\"font-size: 12.0pt; color: #3e3e3e; background: white;\">Remember that hotels and motels are in the hospitality industry, and the good ones want to ensure you are pleased with your stay. Melchiorri encourages travelers to ask for things they want &#8211; an upgrade, a poolside room, to be upstairs or downstairs, bottled water or fresh flowers in their room.&nbsp;If hotel staff can accommodate you, they most likely will.<\/span><span style=\"font-size: 12.0pt;\"><\/span><\/p>\n<p class=\"MsoListParagraphCxSpLast\" style=\"text-indent: -.25in; mso-list: l0 level1 lfo1;\"><!--[if !supportLists]--><span style=\"font-size: 12.0pt; font-family: Symbol; mso-fareast-font-family: Symbol; mso-bidi-font-family: Symbol;\"><span style=\"mso-list: Ignore;\">\u00b7<span style=\"font: 7.0pt 'Times New Roman';\">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/span><\/span><\/span><!--[endif]--><span style=\"font-size: 12.0pt; color: #3e3e3e; background: white;\">If you encounter a problem, he suggests you first make <span style=\"mso-no-proof: yes;\">a polite<\/span> complaint, then escalate to a more direct aggressive <span style=\"mso-no-proof: yes;\">complaint<\/span>, and finally, express your displeasure with a scathing online review.<\/span><span style=\"font-size: 12.0pt;\"><\/span><\/p>\n<p class=\"MsoNormal\"><span style=\"font-size: 12.0pt;\">&nbsp;<\/span><\/p>\n<p class=\"MsoNormal\"><span style=\"font-size: 12.0pt; mso-no-proof: yes;\">One<\/span><span style=\"font-size: 12.0pt;\"> way to save money <span style=\"mso-no-proof: yes;\">on<\/span> accommodations is <span style=\"mso-no-proof: yes;\">on<\/span> parking. Many hotels charge for onsite parking or valet service. <span style=\"mso-no-proof: yes;\">Consider downloading an app to your smartphone to<\/span> help you find less expensive parking options. These apps look for parking based on your location and show the least expensive options, <span style=\"mso-no-proof: yes;\">which can yield as much as 50 percent<\/span> in savings. Other apps can find all available transportation options between your current location and your <span style=\"mso-no-proof: yes;\">destination, so<\/span> you can choose the most convenient with the best price.<sup>3<\/sup> <\/span><\/p>\n<p class=\"MsoNormal\"><span style=\"font-size: 12.0pt;\">&nbsp;<\/span><\/p>\n<p class=\"MsoNormal\"><span style=\"font-size: 12.0pt;\">If you want to learn about the history of an area you&#8217;re visiting, check out local museum deals. Some places offer free entrance either on certain days or all the time. For example, the Smithsonian in Washington D.C. and nearly every museum in London offer free admittance year-round.<sup>4<\/sup><\/span><\/p>\n<p class=\"MsoNormal\"><span style=\"font-size: 12.0pt;\">&nbsp;<\/span><\/p>\n<p class=\"MsoNormal\"><span style=\"font-size: 12.0pt;\">If you&#8217;re traveling <span style=\"mso-no-proof: yes;\">abroad,<\/span> before you leave home, make copies of your passport and driver&#8217;s license; <span style=\"mso-no-proof: yes;\">leave<\/span> one with a friend and tuck another into your bag. It&#8217;s also a good idea to take photos of them on your smartphone and load them up to a password protected cloud storage site. Having copies of <span style=\"mso-no-proof: yes;\">important<\/span> travel documents can alleviate a lot of hassle if the originals are lost or stolen.<sup>5<\/sup> <\/span><\/p>\n<p class=\"MsoNormal\"><span style=\"font-size: 12.0pt;\">&nbsp;<\/span><\/p>\n<p class=\"MsoNormal\"><span style=\"font-size: 12.0pt;\">You also may want to spread your cash in a few different places, such as your wallet, in zipper pockets and in your hotel safe. Should you lose your billfold or get robbed, you won&#8217;t be left <span style=\"mso-no-proof: yes;\">totally<\/span> without cash.<sup>6<\/sup><\/span><\/p>\n<p class=\"MsoNormal\"><span style=\"font-size: 12.0pt;\">&nbsp;<\/span><\/p>\n<p class=\"MsoNormal\"><strong><em><span style=\"font-family: 'Georgia',serif; mso-bidi-font-family: Georgia; color: black;\">Content prepared by Kara Stefan Communications.<\/span><\/em><\/strong><span style=\"font-size: 12.0pt;\"><\/span><\/p>\n<p class=\"MsoNormal\"><span style=\"font-size: 12.0pt;\">&nbsp;<\/span><\/p>\n<h1><sup><span style=\"font-weight: normal;\">1<\/span><\/sup><span style=\"font-weight: normal;\"> Beth J. Harpaz. Washington Times. Sept. 6, 2017. &#8220;<span style=\"mso-no-proof: yes;\">Why &#8216;Hotel Impossible&#8217; star likes a good roadside motel.<\/span>&#8221; <\/span><a href=\"http:\/\/www.washingtontimes.com\/news\/2017\/sep\/6\/why-hotel-impossible-star-likes-a-good-roadside-mo\/?utm_source=RSS_Feed&amp;utm_medium=RSS\"><span style=\"font-weight: normal; mso-no-proof: yes;\">http<\/span><span style=\"font-weight: normal;\">:\/\/www.washingtontimes.com\/news\/2017\/sep\/6\/why-hotel-impossible-star-likes-a-good-roadside-mo\/?utm_source=RSS_Feed&amp;utm_medium=RSS<\/span><\/a><span style=\"font-weight: normal;\">. Accessed Oct. 2, 2017.<\/span><\/h1>\n<h1><sup><span style=\"font-weight: normal;\">2<\/span><\/sup><span style=\"font-weight: normal;\"> Ibid.<\/span><\/h1>\n<h1><sup><span style=\"font-weight: normal;\">3<\/span><\/sup><span style=\"font-weight: normal;\"> Talia Avakian. Travel and Leisure. Sept. 30, 2017. &#8220;<span style=\"mso-no-proof: yes;\">These 18 Easy Tips Can Save You a Fortune on Your Next Trip.<\/span>&#8221; <\/span><a href=\"http:\/\/www.travelandleisure.com\/travel-tips\/save-money-while-traveling\"><span style=\"font-weight: normal;\">http:\/\/www.travelandleisure.com\/travel-tips\/save-money-while-traveling<\/span><\/a><span style=\"font-weight: normal;\">. Accessed Oct. 2, 2017.<\/span><\/h1>\n<h1><sup><span style=\"font-weight: normal;\">4<\/span><\/sup> <span style=\"font-weight: normal;\">Ibid.<\/span> <span style=\"font-weight: normal;\"><\/span><\/h1>\n<p class=\"MsoNormal\"><sup>5<\/sup> Mike Shubic. Travelocity. Oct. 2, 2017. &#8220;12 Genius Travel Planning Tips.&#8221; <a href=\"https:\/\/www.travelocity.com\/inspire\/12-genius-travel-planning-tips\/\">https:\/\/www.travelocity.com\/inspire\/12-genius-travel-planning-tips\/<\/a>. Accessed Oct. 2, 2017.<\/p>\n<p class=\"MsoNormal\"><sup>6<\/sup> Ibid.<\/p>\n<p class=\"MsoNormal\">&nbsp;<\/p>\n<p class=\"MsoNormal\">&nbsp;<\/p>\n<p class=\"MsoNormal\"><em style=\"mso-bidi-font-style: normal;\"><span style=\"font-family: 'Georgia',serif; mso-no-proof: yes;\">We are an independent firm helping individuals create retirement strategies using a variety of insurance products to custom suit their needs and objectives. This material is intended to provide general information to help you understand basic retirement income strategies and should not be construed as financial advice.<\/p>\n<p> The information contained in this material is believed to be reliable, but accuracy and completeness cannot be guaranteed; it is not intended to be used as the sole basis for financial decisions. 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QFormat=\"true\" Name=\"Emphasis\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Document Map\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Plain Text\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"E-mail Signature\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"HTML Top of Form\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"HTML Bottom of Form\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Normal (Web)\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"HTML Acronym\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"HTML Address\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"HTML Cite\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"HTML Code\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"HTML Definition\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"HTML Keyboard\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"HTML Preformatted\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"HTML Sample\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"HTML Typewriter\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"HTML Variable\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Normal Table\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"annotation subject\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"No List\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Outline List 1\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Outline List 2\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Outline List 3\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Simple 1\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Simple 2\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Simple 3\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Classic 1\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Classic 2\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Classic 3\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Classic 4\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Colorful 1\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Colorful 2\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Colorful 3\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Columns 1\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Columns 2\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Columns 3\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Columns 4\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Columns 5\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Grid 1\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Grid 2\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Grid 3\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Grid 4\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Grid 5\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Grid 6\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Grid 7\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Grid 8\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table List 1\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table List 2\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table List 3\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table List 4\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table List 5\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table List 6\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table List 7\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table List 8\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table 3D effects 1\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table 3D effects 2\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table 3D effects 3\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Contemporary\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Elegant\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Professional\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Subtle 1\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Subtle 2\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Web 1\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Web 2\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Web 3\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Balloon Text\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"39\" Name=\"Table Grid\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Table Theme\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Note Level 1\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Note Level 2\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Note Level 3\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Note Level 4\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Note Level 5\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Note Level 6\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Note Level 7\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Note Level 8\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" UnhideWhenUsed=\"true\"\n   Name=\"Note Level 9\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" Name=\"Placeholder Text\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"1\" QFormat=\"true\" Name=\"No Spacing\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"60\" Name=\"Light Shading\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"61\" Name=\"Light List\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"62\" Name=\"Light Grid\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"63\" Name=\"Medium Shading 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"64\" Name=\"Medium Shading 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"65\" Name=\"Medium List 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"66\" Name=\"Medium List 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"67\" Name=\"Medium Grid 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"68\" Name=\"Medium Grid 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"69\" Name=\"Medium Grid 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"70\" Name=\"Dark List\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"71\" Name=\"Colorful Shading\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"72\" Name=\"Colorful List\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"73\" Name=\"Colorful Grid\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"60\" Name=\"Light Shading Accent 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"61\" Name=\"Light List Accent 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"62\" Name=\"Light Grid Accent 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"63\" Name=\"Medium Shading 1 Accent 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"64\" Name=\"Medium Shading 2 Accent 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"65\" Name=\"Medium List 1 Accent 1\"\/>\n  <w:LsdException Locked=\"false\" SemiHidden=\"true\" Name=\"Revision\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"34\" QFormat=\"true\"\n   Name=\"List Paragraph\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"29\" QFormat=\"true\" Name=\"Quote\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"30\" QFormat=\"true\"\n   Name=\"Intense Quote\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"66\" Name=\"Medium List 2 Accent 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"67\" Name=\"Medium Grid 1 Accent 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"68\" Name=\"Medium Grid 2 Accent 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"69\" Name=\"Medium Grid 3 Accent 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"70\" Name=\"Dark List Accent 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"71\" Name=\"Colorful Shading Accent 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"72\" Name=\"Colorful List Accent 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"73\" Name=\"Colorful Grid Accent 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"60\" Name=\"Light Shading Accent 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"61\" Name=\"Light List Accent 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"62\" Name=\"Light Grid Accent 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"63\" Name=\"Medium Shading 1 Accent 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"64\" Name=\"Medium Shading 2 Accent 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"65\" Name=\"Medium List 1 Accent 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"66\" Name=\"Medium List 2 Accent 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"67\" Name=\"Medium Grid 1 Accent 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"68\" Name=\"Medium Grid 2 Accent 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"69\" Name=\"Medium Grid 3 Accent 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"70\" Name=\"Dark List Accent 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"71\" Name=\"Colorful Shading Accent 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"72\" Name=\"Colorful List Accent 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"73\" Name=\"Colorful Grid Accent 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"60\" Name=\"Light Shading Accent 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"61\" Name=\"Light List Accent 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"62\" Name=\"Light Grid Accent 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"63\" Name=\"Medium Shading 1 Accent 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"64\" Name=\"Medium Shading 2 Accent 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"65\" Name=\"Medium List 1 Accent 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"66\" Name=\"Medium List 2 Accent 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"67\" Name=\"Medium Grid 1 Accent 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"68\" Name=\"Medium Grid 2 Accent 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"69\" Name=\"Medium Grid 3 Accent 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"70\" Name=\"Dark List Accent 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"71\" Name=\"Colorful Shading Accent 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"72\" Name=\"Colorful List Accent 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"73\" Name=\"Colorful Grid Accent 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"60\" Name=\"Light Shading Accent 4\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"61\" Name=\"Light List Accent 4\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"62\" Name=\"Light Grid Accent 4\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"63\" Name=\"Medium Shading 1 Accent 4\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"64\" Name=\"Medium Shading 2 Accent 4\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"65\" Name=\"Medium List 1 Accent 4\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"66\" Name=\"Medium List 2 Accent 4\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"67\" Name=\"Medium Grid 1 Accent 4\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"68\" Name=\"Medium Grid 2 Accent 4\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"69\" Name=\"Medium Grid 3 Accent 4\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"70\" Name=\"Dark List Accent 4\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"71\" Name=\"Colorful Shading Accent 4\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"72\" Name=\"Colorful List Accent 4\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"73\" Name=\"Colorful Grid Accent 4\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"60\" Name=\"Light Shading Accent 5\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"61\" Name=\"Light List Accent 5\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"62\" Name=\"Light Grid Accent 5\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"63\" Name=\"Medium Shading 1 Accent 5\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"64\" Name=\"Medium Shading 2 Accent 5\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"65\" Name=\"Medium List 1 Accent 5\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"66\" Name=\"Medium List 2 Accent 5\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"67\" Name=\"Medium Grid 1 Accent 5\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"68\" Name=\"Medium Grid 2 Accent 5\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"69\" Name=\"Medium Grid 3 Accent 5\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"70\" Name=\"Dark List Accent 5\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"71\" Name=\"Colorful Shading Accent 5\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"72\" Name=\"Colorful List Accent 5\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"73\" Name=\"Colorful Grid Accent 5\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"60\" Name=\"Light Shading Accent 6\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"61\" Name=\"Light List Accent 6\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"62\" Name=\"Light Grid Accent 6\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"63\" Name=\"Medium Shading 1 Accent 6\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"64\" Name=\"Medium Shading 2 Accent 6\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"65\" Name=\"Medium List 1 Accent 6\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"66\" Name=\"Medium List 2 Accent 6\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"67\" Name=\"Medium Grid 1 Accent 6\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"68\" Name=\"Medium Grid 2 Accent 6\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"69\" Name=\"Medium Grid 3 Accent 6\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"70\" Name=\"Dark List Accent 6\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"71\" Name=\"Colorful Shading Accent 6\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"72\" Name=\"Colorful List Accent 6\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"73\" Name=\"Colorful Grid Accent 6\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"19\" QFormat=\"true\"\n   Name=\"Subtle Emphasis\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"21\" QFormat=\"true\"\n   Name=\"Intense Emphasis\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"31\" QFormat=\"true\"\n   Name=\"Subtle Reference\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"32\" QFormat=\"true\"\n   Name=\"Intense Reference\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"33\" QFormat=\"true\" Name=\"Book Title\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"37\" SemiHidden=\"true\"\n   UnhideWhenUsed=\"true\" Name=\"Bibliography\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"39\" SemiHidden=\"true\"\n   UnhideWhenUsed=\"true\" QFormat=\"true\" Name=\"TOC Heading\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"41\" Name=\"Plain Table 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"42\" Name=\"Plain Table 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"43\" Name=\"Plain Table 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"44\" Name=\"Plain Table 4\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"45\" Name=\"Plain Table 5\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"40\" Name=\"Grid Table Light\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"46\" Name=\"Grid Table 1 Light\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"47\" Name=\"Grid Table 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"48\" Name=\"Grid Table 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"49\" Name=\"Grid Table 4\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"50\" Name=\"Grid Table 5 Dark\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"51\" Name=\"Grid Table 6 Colorful\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"52\" Name=\"Grid Table 7 Colorful\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"46\"\n   Name=\"Grid Table 1 Light Accent 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"47\" Name=\"Grid Table 2 Accent 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"48\" Name=\"Grid Table 3 Accent 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"49\" Name=\"Grid Table 4 Accent 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"50\" Name=\"Grid Table 5 Dark Accent 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"51\"\n   Name=\"Grid Table 6 Colorful Accent 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"52\"\n   Name=\"Grid Table 7 Colorful Accent 1\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"46\"\n   Name=\"Grid Table 1 Light Accent 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"47\" Name=\"Grid Table 2 Accent 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"48\" Name=\"Grid Table 3 Accent 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"49\" Name=\"Grid Table 4 Accent 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"50\" Name=\"Grid Table 5 Dark Accent 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"51\"\n   Name=\"Grid Table 6 Colorful Accent 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"52\"\n   Name=\"Grid Table 7 Colorful Accent 2\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"46\"\n   Name=\"Grid Table 1 Light Accent 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"47\" Name=\"Grid Table 2 Accent 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"48\" Name=\"Grid Table 3 Accent 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"49\" Name=\"Grid Table 4 Accent 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"50\" Name=\"Grid Table 5 Dark Accent 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"51\"\n   Name=\"Grid Table 6 Colorful Accent 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"52\"\n   Name=\"Grid Table 7 Colorful Accent 3\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"46\"\n   Name=\"Grid Table 1 Light Accent 4\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"47\" Name=\"Grid Table 2 Accent 4\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"48\" Name=\"Grid Table 3 Accent 4\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"49\" Name=\"Grid Table 4 Accent 4\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"50\" Name=\"Grid Table 5 Dark Accent 4\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"51\"\n   Name=\"Grid Table 6 Colorful Accent 4\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"52\"\n   Name=\"Grid Table 7 Colorful Accent 4\"\/>\n  <w:LsdException Locked=\"false\" Priority=\"46\"\n   Name=\"Grid Table 1 Light Accent 5\"\/>\n  <w:LsdException 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