<div class="xblock xblock-public_view xblock-public_view-vertical" data-block-type="vertical" data-has-score="False" data-runtime-version="1" data-course-id="course-v1:MITx+11.405x+2T2020" data-init="VerticalStudentView" data-request-token="9c341eb403df11f099b002fa081815af" data-usage-id="block-v1:MITx+11.405x+2T2020+type@vertical+block@7c3fb92384334a9db377cbb0ce99cb30" data-graded="False" data-runtime-class="LmsRuntime">
<h2 class="hd hd-2 unit-title">Exclusion from the Banking Sector</h2>
<div class="vert-mod">
<div class="vert vert-0" data-id="block-v1:MITx+11.405x+2T2020+type@html+block@99e2d3bf41ea4ed9ae759e6ead296333">
<div class="xblock xblock-public_view xblock-public_view-html xmodule_display xmodule_HtmlBlock" data-block-type="html" data-has-score="False" data-runtime-version="1" data-course-id="course-v1:MITx+11.405x+2T2020" data-init="XBlockToXModuleShim" data-request-token="9c341eb403df11f099b002fa081815af" data-usage-id="block-v1:MITx+11.405x+2T2020+type@html+block@99e2d3bf41ea4ed9ae759e6ead296333" data-graded="False" data-runtime-class="LmsRuntime">
<script type="json/xblock-args" class="xblock-json-init-args">
{"xmodule-type": "HTMLModule"}
</script>
<p style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-align: left; direction: ltr; unicode-bidi: embed; mso-line-break-override: none; word-break: normal; punctuation-wrap: hanging;">The global financial crisis illustrated how banks can fail on a massive scale.<span style="mso-spacerun: yes;"> </span>Though this crisis was dramatic and well-publicized, it is not the only failure of the financial sector.<span style="mso-spacerun: yes;"> B</span>anks have a long history of excluding certain groups from accessing good-quality, non-predatory financial services.<span style="mso-spacerun: yes;"> </span>This type of failure both drives and exacerbates conditions of economic and social inequality.<span style="mso-spacerun: yes;"> </span></p>
<p style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-align: left; direction: ltr; unicode-bidi: embed; mso-line-break-override: none; word-break: normal; punctuation-wrap: hanging;"></p>
</div>
</div>
</div>
</div>
<div class="xblock xblock-public_view xblock-public_view-vertical" data-block-type="vertical" data-has-score="False" data-runtime-version="1" data-course-id="course-v1:MITx+11.405x+2T2020" data-init="VerticalStudentView" data-request-token="9c341eb403df11f099b002fa081815af" data-usage-id="block-v1:MITx+11.405x+2T2020+type@vertical+block@22ebdee189d845f28d1c1f4ccabedd3e" data-graded="False" data-runtime-class="LmsRuntime">
<h2 class="hd hd-2 unit-title">Interview with Brian Argrett</h2>
<div class="vert-mod">
<div class="vert vert-0" data-id="block-v1:MITx+11.405x+2T2020+type@html+block@40e59d5e655c4d60a8a1181065f10de5">
<div class="xblock xblock-public_view xblock-public_view-html xmodule_display xmodule_HtmlBlock" data-block-type="html" data-has-score="False" data-runtime-version="1" data-course-id="course-v1:MITx+11.405x+2T2020" data-init="XBlockToXModuleShim" data-request-token="9c341eb403df11f099b002fa081815af" data-usage-id="block-v1:MITx+11.405x+2T2020+type@html+block@40e59d5e655c4d60a8a1181065f10de5" data-graded="False" data-runtime-class="LmsRuntime">
<script type="json/xblock-args" class="xblock-json-init-args">
{"xmodule-type": "HTMLModule"}
</script>
<p style="margin-top: 0pt; margin-bottom: 0pt; margin-left: 0in; text-align: left; direction: ltr; unicode-bidi: embed; mso-line-break-override: none; word-break: normal; punctuation-wrap: hanging;"><span style="color: #000000;">In this video, we will hear from Brian <span style="font-size: 12pt;">Argrett</span><span style="font-size: 12pt;">, President and CEO of City First Bank of DC about how his bank works to build wealth equitably in a neighborhood of Washington D.C. that was long excluded from the banking sector.</span></span></p>
</div>
</div>
<div class="vert vert-1" data-id="block-v1:MITx+11.405x+2T2020+type@video+block@88f6d3850cc442a580bba475be4784d9">
<div class="xblock xblock-public_view xblock-public_view-video xmodule_display xmodule_VideoBlock" data-block-type="video" data-has-score="False" data-runtime-version="1" data-course-id="course-v1:MITx+11.405x+2T2020" data-init="XBlockToXModuleShim" data-request-token="9c341eb403df11f099b002fa081815af" data-usage-id="block-v1:MITx+11.405x+2T2020+type@video+block@88f6d3850cc442a580bba475be4784d9" data-graded="False" data-runtime-class="LmsRuntime">
<script type="json/xblock-args" class="xblock-json-init-args">
{"xmodule-type": "Video"}
</script>
<h3 class="hd hd-2">Interview with Brian Argrett</h3>
<div
id="video_88f6d3850cc442a580bba475be4784d9"
class="video closed"
data-metadata='{"saveStateEnabled": false, "autoplay": false, "publishCompletionUrl": "/courses/course-v1:MITx+11.405x+2T2020/xblock/block-v1:MITx+11.405x+2T2020+type@video+block@88f6d3850cc442a580bba475be4784d9/handler/publish_completion", "start": 0.0, "prioritizeHls": false, "saveStateUrl": "/courses/course-v1:MITx+11.405x+2T2020/xblock/block-v1:MITx+11.405x+2T2020+type@video+block@88f6d3850cc442a580bba475be4784d9/handler/xmodule_handler/save_user_state", "recordedYoutubeIsAvailable": true, "streams": "1.00:8WNJwFjMMGs", "autoAdvance": false, "transcriptAvailableTranslationsUrl": "/courses/course-v1:MITx+11.405x+2T2020/xblock/block-v1:MITx+11.405x+2T2020+type@video+block@88f6d3850cc442a580bba475be4784d9/handler/transcript/available_translations", "captionDataDir": null, "ytMetadataEndpoint": "", "showCaptions": "true", "lmsRootURL": "https://openlearninglibrary.mit.edu", "transcriptTranslationUrl": "/courses/course-v1:MITx+11.405x+2T2020/xblock/block-v1:MITx+11.405x+2T2020+type@video+block@88f6d3850cc442a580bba475be4784d9/handler/transcript/translation/__lang__", "ytApiUrl": "https://www.youtube.com/iframe_api", "transcriptLanguages": {"en": "English", "fr": "Fran\u00e7ais", "de": "German", "it": "Italian", "pt": "Portuguese", "es": "Spanish"}, "speed": null, "autohideHtml5": false, "generalSpeed": 1.0, "transcriptLanguage": "en", "savedVideoPosition": 0.0, "poster": "https://mitx-edx-video-meta-storage.s3.amazonaws.com/media/video-images/1c716883797d49f08aae71f8029d0a23.jpeg?Signature=UGIeKGvV2CnNnKk4gE5TdFkJDto%3D&AWSAccessKeyId=ASIA4QDFFSUR6ZN7KOE3&Expires=1742292238&x-amz-security-token=IQoJb3JpZ2luX2VjEAIaCXVzLWVhc3QtMSJGMEQCIC89Bxms0RVoj2ANtzCOo4zHcRNk4QP3Cc6P75dascGtAiAx0ooesS2tXBKGnOlJ7FqHfERWNiOj2heN6q4b1AapbSq6BQhaEAMaDDg1OTIwNTYzNzQxMSIMRl%2F8FRi6bbw6G%2B%2FnKpcFakOpn48lYxe85%2FJSx23qgebJ7eYT%2F4%2B6kQZ17m4lMm%2FwXlwUQEMoQiL4WqV4XsX%2FdWws4YdowQYBvgjtbjcNFQ5K12P%2BM7KdktIEt2%2FSXEqyLq%2FBqyMm6QLBnrc9hKVZ4Av6OcWK%2B0WKeDv%2BzoGqBgw3Ywx%2Fc4kIR%2FiPcPf3n2Q32%2FT225ihEx3cXZDoq8WXGp%2BE3xGzv6eUBZL1JmyXG7SKevyR9TClcANOTDLID6aDaYm5oECOlSRlPmOsINaLZyuOFDcWXmeNBbhvaUHeCf7I2wKsR3dXgqq%2BuYrRC6nRNOOCyn%2BcS1sTwh7C%2BERMC2KqmejrVqgQcD62tMAUp2XbdOnMoMRN6gMR2N%2BmLJR%2BsPZg1UKRLbedWlPug07KS9No2OfJ4bknhXGgR4zfiHG2ZWkQoS2h%2FERnAQsgVv%2Bs2YqFdGkdqGBnCN9N75%2BnjteBuWSrnw5iMVHfMGmLt2Flj20hOLgVhiPR7kukY90zOcQpKbEqnmfc8ML3OhZ%2FUs5Ysh07Gz9mvgEvYDuwLrqyQLVVSMsPd%2FrCkQ7OI8%2FIe4UDriujX2aofJULq3r4Pg%2F5fkuu9Ozk62Cf3hZ0%2FGKFlbGhl4cAYuA4eVcLdOIEvolzV371uRtVVEpqt17Na%2FJ2mNzPKwo%2Bb2EB4wwuACwovzAAdEHFHSIc0Rp%2B3iPRnAkN7zcrSsSudjFEezYJLybuS11PMDDm5929GLBHRDjpXnLLP3leP0QlzzFTBW0rEBgFCfb%2FRgFotuuUaj%2FE3d%2B9TsM8e2Y4%2Bjkb7fOJ1iPjyuM4x%2F6ab%2FUoRLVVuhNzhFFsC5rDOOiozaIbSStoHD119ZFBFJZPFJacxTINrtIl3zpuv4ztluQN1xSM0Q%2BUIhx6LTmyMIbw5L4GOrIBmSP6F%2F9tzZ26Rs5qfEVPwW6JClxBn6KLgxJy02qrLV0v61%2ByH1aOZV%2BMz5rNXKzicj6IplJBIEfMRRIzREbjF%2F9cqksJV7Ecp4oWidqvZVzVmdfWSh7DcG8hwTX6FqxDRgcI79Un5SLHOwhtuzAZgeVs3PEcrKdU%2BdNkVJLPf66ojAd0KAevrk%2FeP5G8ebyzHtxngsnxF1ljZhccobQzaYzPgCP6TvAoTRGp5oGDVJhldw%3D%3D", "sources": ["https://d2f1egay8yehza.cloudfront.net/MIT11405/MIT114052016-V001600_DTH.mp4", "https://d2f1egay8yehza.cloudfront.net/MIT114052016-V001600/MIT114052016-V001600.m3u8"], "duration": 615.17, "end": 0.0, "completionEnabled": false, "completionPercentage": 0.95, "ytTestTimeout": 1500}'
data-bumper-metadata='null'
data-autoadvance-enabled="False"
data-poster='null'
tabindex="-1"
>
<div class="focus_grabber first"></div>
<div class="tc-wrapper">
<div class="video-wrapper">
<span tabindex="0" class="spinner" aria-hidden="false" aria-label="Loading video player"></span>
<span tabindex="-1" class="btn-play fa fa-youtube-play fa-2x is-hidden" aria-hidden="true" aria-label="Play video"></span>
<div class="video-player-pre"></div>
<div class="video-player">
<div id="88f6d3850cc442a580bba475be4784d9"></div>
<h4 class="hd hd-4 video-error is-hidden">No playable video sources found.</h4>
<h4 class="hd hd-4 video-hls-error is-hidden">
Your browser does not support this video format. Try using a different browser.
</h4>
</div>
<div class="video-player-post"></div>
<div class="closed-captions"></div>
<div class="video-controls is-hidden">
<div>
<div class="vcr"><div class="vidtime">0:00 / 0:00</div></div>
<div class="secondary-controls"></div>
</div>
</div>
</div>
</div>
<div class="focus_grabber last"></div>
<h3 class="hd hd-4 downloads-heading sr" id="video-download-transcripts_88f6d3850cc442a580bba475be4784d9">Downloads and transcripts</h3>
<div class="wrapper-downloads" role="region" aria-labelledby="video-download-transcripts_88f6d3850cc442a580bba475be4784d9">
<div class="wrapper-download-transcripts">
<h4 class="hd hd-5">Transcripts</h4>
<ul class="list-download-transcripts">
<li class="transcript-option">
<a class="btn btn-link" href="/courses/course-v1:MITx+11.405x+2T2020/xblock/block-v1:MITx+11.405x+2T2020+type@video+block@88f6d3850cc442a580bba475be4784d9/handler/transcript/download" data-value="srt">Download SubRip (.srt) file</a>
</li>
<li class="transcript-option">
<a class="btn btn-link" href="/courses/course-v1:MITx+11.405x+2T2020/xblock/block-v1:MITx+11.405x+2T2020+type@video+block@88f6d3850cc442a580bba475be4784d9/handler/transcript/download" data-value="txt">Download Text (.txt) file</a>
</li>
</ul>
</div>
</div>
</div>
</div>
</div>
<div class="vert vert-2" data-id="block-v1:MITx+11.405x+2T2020+type@html+block@039be1ffdddf482093300abbb6ca45cc">
<div class="xblock xblock-public_view xblock-public_view-html xmodule_display xmodule_HtmlBlock" data-block-type="html" data-has-score="False" data-runtime-version="1" data-course-id="course-v1:MITx+11.405x+2T2020" data-init="XBlockToXModuleShim" data-request-token="9c341eb403df11f099b002fa081815af" data-usage-id="block-v1:MITx+11.405x+2T2020+type@html+block@039be1ffdddf482093300abbb6ca45cc" data-graded="False" data-runtime-class="LmsRuntime">
<script type="json/xblock-args" class="xblock-json-init-args">
{"xmodule-type": "HTMLModule"}
</script>
<p><strong>Biography</strong></p>
<p><span style="font-size: 1em; line-height: 1.6em;">Brian E. Argrett, a Director since 2011, is currently President and Chief Executive Officer of the Corporation and the Bank and a member of the Executive Committee. Formerly Mr. Argrett was founder and managing partner of both Fulcrum Capital Group, an investment manager, and Fulcrum Capital Partners, L.P., a traditional, institutionally-backed private equity limited partnership. </span></p>
<p><a href="https://www.cityfirstbank.com/node/84" target="[object Object]">Read more</a></p>
<!-- [if gte mso 9]><xml>
<o:OfficeDocumentSettings>
<o:AllowPNG/>
</o:OfficeDocumentSettings>
</xml><![endif]-->
<p></p>
<!-- [if gte mso 9]><xml>
<w:WordDocument>
<w:View>Normal</w:View>
<w:Zoom>0</w:Zoom>
<w:TrackMoves/>
<w:TrackFormatting/>
<w:PunctuationKerning/>
<w:ValidateAgainstSchemas/>
<w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid>
<w:IgnoreMixedContent>false</w:IgnoreMixedContent>
<w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText>
<w:DoNotPromoteQF/>
<w:LidThemeOther>EN-US</w:LidThemeOther>
<w:LidThemeAsian>JA</w:LidThemeAsian>
<w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript>
<w:Compatibility>
<w:BreakWrappedTables/>
<w:SnapToGridInCell/>
<w:WrapTextWithPunct/>
<w:UseAsianBreakRules/>
<w:DontGrowAutofit/>
<w:SplitPgBreakAndParaMark/>
<w:EnableOpenTypeKerning/>
<w:DontFlipMirrorIndents/>
<w:OverrideTableStyleHps/>
<w:UseFELayout/>
</w:Compatibility>
<m:mathPr>
<m:mathFont m:val="Cambria Math"/>
<m:brkBin m:val="before"/>
<m:brkBinSub m:val="--"/>
<m:smallFrac m:val="off"/>
<m:dispDef/>
<m:lMargin m:val="0"/>
<m:rMargin m:val="0"/>
<m:defJc m:val="centerGroup"/>
<m:wrapIndent m:val="1440"/>
<m:intLim m:val="subSup"/>
<m:naryLim m:val="undOvr"/>
</m:mathPr></w:WordDocument>
</xml><![endif]--><!-- [if gte mso 9]><xml>
<w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
DefSemiHidden="true" DefQFormat="false" DefPriority="99"
LatentStyleCount="276">
<w:LsdException Locked="false" Priority="0" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Normal"/>
<w:LsdException Locked="false" Priority="9" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="heading 1"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 2"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 3"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 4"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 5"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 6"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 7"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 8"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 9"/>
<w:LsdException Locked="false" Priority="39" Name="toc 1"/>
<w:LsdException Locked="false" Priority="39" Name="toc 2"/>
<w:LsdException Locked="false" Priority="39" Name="toc 3"/>
<w:LsdException Locked="false" Priority="39" Name="toc 4"/>
<w:LsdException Locked="false" Priority="39" Name="toc 5"/>
<w:LsdException Locked="false" Priority="39" Name="toc 6"/>
<w:LsdException Locked="false" Priority="39" Name="toc 7"/>
<w:LsdException Locked="false" Priority="39" Name="toc 8"/>
<w:LsdException Locked="false" Priority="39" Name="toc 9"/>
<w:LsdException Locked="false" Priority="35" QFormat="true" Name="caption"/>
<w:LsdException Locked="false" Priority="10" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" Priority="1" Name="Default Paragraph Font"/>
<w:LsdException Locked="false" Priority="11" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" Priority="22" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" Priority="59" SemiHidden="false"
UnhideWhenUsed="false" Name="Table Grid"/>
<w:LsdException Locked="false" UnhideWhenUsed="false" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" SemiHidden="false"
UnhideWhenUsed="false" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" SemiHidden="false"
UnhideWhenUsed="false" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" SemiHidden="false"
UnhideWhenUsed="false" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" UnhideWhenUsed="false" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" SemiHidden="false"
UnhideWhenUsed="false" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" SemiHidden="false"
UnhideWhenUsed="false" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" SemiHidden="false"
UnhideWhenUsed="false" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" SemiHidden="false"
UnhideWhenUsed="false" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" SemiHidden="false"
UnhideWhenUsed="false" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" SemiHidden="false"
UnhideWhenUsed="false" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" SemiHidden="false"
UnhideWhenUsed="false" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" SemiHidden="false"
UnhideWhenUsed="false" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" SemiHidden="false"
UnhideWhenUsed="false" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" SemiHidden="false"
UnhideWhenUsed="false" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" SemiHidden="false"
UnhideWhenUsed="false" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" QFormat="true" Name="TOC Heading"/>
</w:LatentStyles>
</xml><![endif]-->
<p></p>
<!-- [if gte mso 10]>
<style>
/* Style Definitions */
table.MsoNormalTable
{mso-style-name:"Table Normal";
mso-tstyle-rowband-size:0;
mso-tstyle-colband-size:0;
mso-style-noshow:yes;
mso-style-priority:99;
mso-style-parent:"";
mso-padding-alt:0in 5.4pt 0in 5.4pt;
mso-para-margin:0in;
mso-para-margin-bottom:.0001pt;
mso-pagination:widow-orphan;
font-size:12.0pt;
font-family:Cambria;
mso-ascii-font-family:Cambria;
mso-ascii-theme-font:minor-latin;
mso-hansi-font-family:Cambria;
mso-hansi-theme-font:minor-latin;}
</style>
<![endif]-->
<p></p>
<!--StartFragment-->
<p class="MsoNormal"></p>
<p class="MsoNormal"></p>
<!--EndFragment-->
</div>
</div>
</div>
</div>