{"id":424,"date":"2012-08-14T12:51:43","date_gmt":"2012-08-14T16:51:43","guid":{"rendered":"https:\/\/rossweb.bus.umich.edu\/academics\/academics\/bba\/"},"modified":"2026-04-09T08:40:35","modified_gmt":"2026-04-09T12:40:35","slug":"bba","status":"publish","type":"page","link":"https:\/\/rossweb.bus.umich.edu\/academics\/curriculum\/core-curriculum\/bba\/","title":{"rendered":"Core Course Requirements &#8211; BBA"},"content":{"rendered":"\n<p>Ross School of Business students will follow curriculum requirements based on when you enter the program.&nbsp; Please review the appropriate curriculum below that aligns with your admittance into the BBA degree program:<\/p>\n\n\n\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id424_9cace2-71 kt-accordion-has-2-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"none\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane424_b1d0dd-3c\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">BBA Curriculum for First Year and Preferred Admit Students Starting in Fall 2024-Fall 2026 and Sophomores Starting in Fall 2025 or Fall 2026<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id424_a5d933-ca kt-accordion-has-2-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-arrow kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"none\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane424_d5b82f-1f\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">BBA First Year and Preferred Admit Students Starting in Fall 2024-Fall 2026<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<h3 class=\"wp-block-heading\"><strong>CREDITS ACCEPTED FOR TRANSFER TO THE BBA PROGRAM<\/strong><\/h3>\n\n\n\n<p>For students who matriculate into Ross as BBA First Years: the BBA program will apply a maximum of 30.0 transferable credits earned prior to the start of the BBA program toward the 120.0 credits required for the BBA degree, even if a student has earned more than this. Individual courses may be applied to general degree requirements, such as distribution and the 54.0 non-business credit requirement beyond this 30.0 credit hour cap. <em>AP credits will <\/em><strong><em>not<\/em><\/strong><em> <\/em><em>count toward the Ross distribution requirements with the exception of some foreign language credits.<\/em><\/p>\n\n\n\n<p>For Preferred Admission (PA) students who matriculate into Ross at the start of Sophomore year: the BBA program will apply a maximum of 45.0 transferable credits earned prior to the start of the BBA program toward the 120.0 credits required for the BBA degree, even if you have earned more than this.&nbsp; Individual courses may be applied to general degree requirements, such as distribution and the 54.0 non-business credit requirement beyond this 45.0 credit hour cap. <em>AP credits will <\/em><strong><em>not<\/em><\/strong><em> count toward the Ross distribution requirements with the exception of some foreign language credits.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>BBA CORE COURSES AND SCHEDULE<\/strong><\/h3>\n\n\n\n<p>The BBA degree requires a minimum of 120.0 credits. 62.0 of these credits must be business credits, and 54.0 of the 120.0 total credits must be non-business credits (including credits used to meet distribution requirements). The remaining 4.0 credits may be either business or non-business coursework.<\/p>\n\n\n\n<p>First Year BBA and PA students: The BBA program is organized to include 46.0 credits of required core (fixed and floating) courses, 35.5 credits of which must be taken in the prescribed (fixed) order.&nbsp;All BBA students complete those fixed core courses in an assigned cohort (or section) of students and may not drop or complete required fixed core courses out of sequence. 10.5 credits of core coursework is designated as \u201cfloating core.\u201d Students may elect to complete the floating core coursework in any sequence between the Fall term of Sophomore year and the Fall term of Senior year. A required <a href=\"https:\/\/rossweb.bus.umich.edu\/academics\/bbacapstone\">capstone course<\/a> (credits vary) must also be completed in the Winter term of Senior year.<\/p>\n\n\n\n<p>Students who complete courses offered specifically for non-business students (typically catalog number 302), prior to entering the BBA program will NOT earn credit for those courses toward the BBA degree.<\/p>\n\n\n\n<p><a href=\"http:\/\/www.bus.umich.edu\/Courses\/default.aspx\">Please click here to browse course descriptions<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>FIRST YEAR<\/strong><\/h4>\n\n\n<div class=\"kb-table-container kb-table-container424_f227d6-84 wp-block-kadence-table\"><table class=\"kb-table kb-table424_f227d6-84\">\n<tr class=\"kb-table-row kb-table-row424_7a0ef7-7c\">\n<th class=\"kb-table-data kb-table-data424_d5807f-f8\">\n\n<p class=\"has-text-align-left\"><strong>Fall term courses<\/strong><\/p>\n\n<\/th>\n\n<th class=\"kb-table-data kb-table-data424_44e79e-75\">\n\n<p class=\"has-text-align-left\"><strong>Credits<\/strong><\/p>\n\n<\/th>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_f2639f-31\">\n<td class=\"kb-table-data kb-table-data424_b295b1-9f\">\n\n<p>BA 100: Introduction to Ross: Foundations in Learning Business<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_9f1a77-ce\">\n\n<p>3.0<\/p>\n\n<\/td>\n<\/tr>\n<\/table><\/div>\n\n<div class=\"kb-table-container kb-table-container424_514cb3-6c wp-block-kadence-table\"><table class=\"kb-table kb-table424_514cb3-6c\">\n<tr class=\"kb-table-row kb-table-row424_fd24e8-77\">\n<th class=\"kb-table-data kb-table-data424_24db25-b2\">\n\n<p class=\"has-text-align-left\"><strong>Winter term courses<\/strong><\/p>\n\n<\/th>\n\n<th class=\"kb-table-data kb-table-data424_0c1794-c6\">\n\n<p class=\"has-text-align-left\"><strong>Credits<\/strong><\/p>\n\n<\/th>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_8babcd-04\">\n<td class=\"kb-table-data kb-table-data424_58969e-9e\">\n\n<p>ACC 300: Financial Accounting<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_d03f8f-a4\">\n\n<p>3.0<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_c6e4a8-b5\">\n<td class=\"kb-table-data kb-table-data424_5a2a51-cb\">\n\n<p>BCOM 250: Introduction to Business Communication<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_1e973d-42\">\n\n<p>1.5<\/p>\n\n<\/td>\n<\/tr>\n<\/table><\/div>\n\n\n<h5 class=\"wp-block-heading\"><strong>Fall or Winter term courses<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>First Year courses: FYWR, ECON 101, Calc<\/li>\n\n\n\n<li>Non-business coursework (to meet distribution and\/or 54.0 required non-business credits)\u200b<\/li>\n\n\n\n<li>Complete first Inclusive Leaders Pathway Milestone through BA 100.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>SOPHOMORE YEAR<\/strong><\/h4>\n\n\n<div class=\"kb-table-container kb-table-container424_6e8330-aa wp-block-kadence-table\"><table class=\"kb-table kb-table424_6e8330-aa\">\n<tr class=\"kb-table-row kb-table-row424_ae884c-c7\">\n<th class=\"kb-table-data kb-table-data424_555243-aa\">\n\n<p class=\"has-text-align-left\"><strong>Fall term courses<\/strong><\/p>\n\n<\/th>\n\n<th class=\"kb-table-data kb-table-data424_6a428f-81\">\n\n<p class=\"has-text-align-left\"><strong>Credits<\/strong><\/p>\n\n<\/th>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_9fa84e-f9\">\n<td class=\"kb-table-data kb-table-data424_f0c15d-91\">\n\n<p>BA 200: Businesses &amp; Leaders: The Positive Differences<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_54eb53-84\">\n\n<p>3.0<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_b0c3d6-96\">\n<td class=\"kb-table-data kb-table-data424_afc76b-f7\">\n\n<p>TO 301: Business Analytics and Statistics<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_ecee3d-94\">\n\n<p>4.0<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_526077-b6\">\n<td class=\"kb-table-data kb-table-data424_ea3174-94\">\n\n<p>Optional: floating core course(s)<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_cfb5c9-5c\">\n\n<p>varies<\/p>\n\n<\/td>\n<\/tr>\n<\/table><\/div>\n\n<div class=\"kb-table-container kb-table-container424_9d3fb5-0a wp-block-kadence-table\"><table class=\"kb-table kb-table424_9d3fb5-0a\">\n<tr class=\"kb-table-row kb-table-row424_23cfb1-fa\">\n<th class=\"kb-table-data kb-table-data424_766494-12\">\n\n<p class=\"has-text-align-left\"><strong>Winter term courses<\/strong><\/p>\n\n<\/th>\n\n<th class=\"kb-table-data kb-table-data424_c9e01b-4d\">\n\n<p class=\"has-text-align-left\"><strong>Credits<\/strong><\/p>\n\n<\/th>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_ba5019-ad\">\n<td class=\"kb-table-data kb-table-data424_cc9f56-9d\">\n\n<p>ACC 301: Managerial Accounting<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_b80bcd-8f\">\n\n<p>3.0<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_eb4bca-3a\">\n<td class=\"kb-table-data kb-table-data424_f20fe8-95\">\n\n<p>STRATEGY 290: Business Strategy<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_cc9769-49\">\n\n<p>1.5<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_7a1c98-35\">\n<td class=\"kb-table-data kb-table-data424_ba2a1e-31\">\n\n<p>Optional: floating core course(s)<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_19b125-f5\">\n\n<p>varies<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_8f7298-51\">\n<td class=\"kb-table-data kb-table-data424_33f3b3-4b\">\n\n<p>Optional approved business elective(s)<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_d0da0a-fa\">\n\n<p>varies<\/p>\n\n<\/td>\n<\/tr>\n<\/table><\/div>\n\n\n<h5 class=\"wp-block-heading\"><strong>Fall or Winter term courses and additional requirements<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ECON 102: Principles of Economics II (Macroeconomics)\n<ul class=\"wp-block-list\">\n<li>ECON 102 must be completed (and grade posted to a student\u2019s transcript) by the start of Junior Fall term<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Non-business coursework (to count toward distribution and\/or 54.0 required non-business credits)<\/li>\n\n\n\n<li>Complete second Inclusive Leaders Pathway Milestone through BA 200<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>JUNIOR YEAR<\/strong><\/h4>\n\n\n<div class=\"kb-table-container kb-table-container424_1eb273-03 wp-block-kadence-table\"><table class=\"kb-table kb-table424_1eb273-03\">\n<tr class=\"kb-table-row kb-table-row424_fe2a26-5a\">\n<th class=\"kb-table-data kb-table-data424_9a1299-a4\">\n\n<p class=\"has-text-align-left\"><strong>Fall term courses \u2013 Ross Integrative Semester<\/strong><\/p>\n\n<\/th>\n\n<th class=\"kb-table-data kb-table-data424_3a88b4-3e\">\n\n<p class=\"has-text-align-left\"><strong>Credits<\/strong><\/p>\n\n<\/th>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_500239-0a\">\n<td class=\"kb-table-data kb-table-data424_00397c-ef\">\n\n<p>BCOM 350: Professional Communication Strategies<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_fd93ca-d7\">\n\n<p>1.5<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_0d065c-74\">\n<td class=\"kb-table-data kb-table-data424_c4bf30-09\">\n\n<p>BL 300: Business Law and Ethics<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_72e54e-87\">\n\n<p>3.0<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_b5048a-51\">\n<td class=\"kb-table-data kb-table-data424_b410d5-26\">\n\n<p>MO 300: Behavioral Theory in Management<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_d52f42-73\">\n\n<p>3.0<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_555aff-59\">\n<td class=\"kb-table-data kb-table-data424_ea4691-34\">\n\n<p>TO 313: Operations Management<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_7028a1-34\">\n\n<p>3.0<\/p>\n\n<\/td>\n<\/tr>\n<\/table><\/div>\n\n<div class=\"kb-table-container kb-table-container424_a5bc7b-64 wp-block-kadence-table\"><table class=\"kb-table kb-table424_a5bc7b-64\">\n<tr class=\"kb-table-row kb-table-row424_a88d39-f6\">\n<th class=\"kb-table-data kb-table-data424_947f27-b9\">\n\n<p class=\"has-text-align-left\"><strong>Winter term courses<\/strong><\/p>\n\n<\/th>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_a134ca-6c\">\n<td class=\"kb-table-data kb-table-data424_9bd63c-a3\">\n\n<p>UM-Ann Arbor coursework to meet degree requirements, or International Semester Exchange<\/p>\n\n<\/td>\n<\/tr>\n<\/table><\/div>\n\n\n<h5 class=\"wp-block-heading\"><strong>Fall or Winter term courses and additional requirements<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Non-business coursework (to count toward distribution and\/or 54.0 required non-business credits)<\/li>\n\n\n\n<li>Complete third Inclusive Leaders Pathway Milestone through Ross Integrative Semester (RIS)<\/li>\n\n\n\n<li>Business electives and floating core course(s)<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>SENIOR YEAR<\/strong><\/h4>\n\n\n<div class=\"kb-table-container kb-table-container424_825d1b-35 wp-block-kadence-table\"><table class=\"kb-table kb-table424_825d1b-35\">\n<tr class=\"kb-table-row kb-table-row424_3cda56-aa\">\n<th class=\"kb-table-data kb-table-data424_b07415-3e\">\n\n<p class=\"has-text-align-left\"><strong>Fall term courses<\/strong><\/p>\n\n<\/th>\n\n<th class=\"kb-table-data kb-table-data424_cf8a0b-7b\">\n\n<p class=\"has-text-align-left\"><strong>Credits<\/strong><\/p>\n\n<\/th>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_d644f4-c2\">\n<td class=\"kb-table-data kb-table-data424_c7edc4-f9\">\n\n<p>STRATEGY 390: Corporate Strategy<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_5e1719-bc\">\n\n<p>3.0<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_c9f2b8-55\">\n<td class=\"kb-table-data kb-table-data424_6314ae-ac\">\n\n<p>All remaining floating core course(s)<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_beb78d-5e\">\n\n<p>varies<\/p>\n\n<\/td>\n<\/tr>\n<\/table><\/div>\n\n<div class=\"kb-table-container kb-table-container424_6d9a81-8b wp-block-kadence-table\"><table class=\"kb-table kb-table424_6d9a81-8b\">\n<tr class=\"kb-table-row kb-table-row424_76c244-38\">\n<th class=\"kb-table-data kb-table-data424_2bd903-cc\">\n\n<p class=\"has-text-align-left\"><strong>Winter term courses<\/strong><\/p>\n\n<\/th>\n\n<th class=\"kb-table-data kb-table-data424_e985a8-52\">\n\n<p class=\"has-text-align-left\"><strong>Credits<\/strong><\/p>\n\n<\/th>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_6361e5-5f\">\n<td class=\"kb-table-data kb-table-data424_9e57fb-ac\">\n\n<p><a href=\"https:\/\/rossweb.bus.umich.edu\/academics\/bbacapstone\/\">Senior capstone course<\/a><\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_e8a011-7b\">\n\n<p>varies<\/p>\n\n<\/td>\n<\/tr>\n<\/table><\/div>\n\n\n<h5 class=\"wp-block-heading\"><strong>Fall or Winter term courses and additional requirements<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Non-business coursework (to count toward distribution and\/or 54.0 required non-business credits)<\/li>\n\n\n\n<li>Complete fourth Inclusive Leaders Pathway Milestone through STRATEGY 390<\/li>\n\n\n\n<li>Business electives<\/li>\n<\/ul>\n\n\n\n<p><strong>FLOATING CORE COURSES: <\/strong>must be completed Fall term of Sophomore year through Fall term of Senior year<\/p>\n\n\n<div class=\"kb-table-container kb-table-container424_e03c66-fe wp-block-kadence-table\"><table class=\"kb-table kb-table424_e03c66-fe\">\n<tr class=\"kb-table-row kb-table-row424_f61734-54\">\n<th class=\"kb-table-data kb-table-data424_cec022-88\">\n\n<p class=\"has-text-align-left\">Floating Core Course<\/p>\n\n<\/th>\n\n<th class=\"kb-table-data kb-table-data424_daa55a-06\">\n\n<p class=\"has-text-align-left\">Credits<\/p>\n\n<\/th>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_6f24d1-89\">\n<td class=\"kb-table-data kb-table-data424_0d1b4a-16\">\n\n<p>BE 300: Applied Economics<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_6a8b51-b4\">\n\n<p>3.0<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_8ef9af-02\">\n<td class=\"kb-table-data kb-table-data424_f122b3-fa\">\n\n<p>FIN 300: Financial Management<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_eafd52-ab\">\n\n<p>3.0<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_8e1165-55\">\n<td class=\"kb-table-data kb-table-data424_ac8dfe-0c\">\n\n<p>MKT 300: Marketing Management<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_304680-f3\">\n\n<p>3.0<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_4e642d-1c\">\n<td class=\"kb-table-data kb-table-data424_18afe6-1e\">\n\n<p>TO 300: Business Information Systems<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_697092-1a\">\n\n<p>1.5<\/p>\n\n<\/td>\n<\/tr>\n<\/table><\/div>\n\n\n<p><strong>Waiving Core Business Courses<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>BE 300:<\/strong> Effective Fall 2018, if a student has successfully completed ECON 401 at UM-Ann Arbor with a final grade of A- or higher, they can request to waive the BE 300 floating core requirement.&nbsp; To make such a request, the student must complete and submit a <a href=\"https:\/\/docs.google.com\/forms\/d\/e\/1FAIpQLSdBdZcX2Rhk7OU3iDnz3ixxKlgcrlT2BAPLDYwivakLLdzL5A\/viewform?pli=1\">BBA Waiver Request form<\/a> by the end of Winter term of their Junior year in the BBA program.&nbsp; Please note: a waiver signifies the student has met competency in the material and does not grant credit.&nbsp; Therefore, a student who waives BE 300 would need to complete additional business coursework toward the 62.0 credits required for a BBA degree.&nbsp; No BBA core (fixed or floating) course other than those listed in this section may be waived.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>ADDITIONAL DEGREE REQUIREMENTS<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ECON 102: ECON 102 must be completed (and the grade posted to the student\u2019s transcript) prior to the start of Junior Fall term and the Ross Integrative Semester (RIS) core.&nbsp; ECON 102 must be taken on a graded basis if completing the course at UM-Ann Arbor.&nbsp; Transfer courses that are equivalents based on the Office of Undergraduate Admissions transfer guide (<a href=\"http:\/\/www.ugadmiss.umich.edu\/TCE\/Public\/CT_TCESearch.aspx\">http:\/\/www.ugadmiss.umich.edu\/TCE\/Public\/CT_TCESearch.aspx<\/a>) will be accepted.\u200b&nbsp;&nbsp;<\/li>\n\n\n\n<li>BBA Distribution Requirements: Ross distribution is similar to the College of Literature, Science, and the Arts (LSA), with exceptions noted below. Students should refer to the LSA Course Guide (<a href=\"https:\/\/lsa.umich.edu\/cg\/\">https:\/\/lsa.umich.edu\/cg\/<\/a>) to see if a course meets the requirements for a distribution area.&nbsp; Courses may have one of the following designations:\n<ul class=\"wp-block-list\">\n<li>Foreign Language (Lang Req) \u200b<\/li>\n\n\n\n<li>Humanities (HU)&nbsp;<\/li>\n\n\n\n<li>Natural Science (NS)<\/li>\n\n\n\n<li>Mathematical and Symbolic Analysis (MSA)&nbsp;<\/li>\n\n\n\n<li>Social Science (SS) \u200b<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>Classes without one of the above designations may not be used toward an area distribution plan.&nbsp; Ross students must complete three of the following four requirements:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Foreign Language (fourth-term proficiency in a language other than English: Fourth-term proficiency in a foreign language is determined by successful completion of a proficiency examination administered by UM or by completion of a fourth-term college-level foreign language course. The language requirement cannot be satisfied by out-of-residence credit which is elected after the student has begun degree enrollment at the University of Michigan unless the appropriate language department has approved that plan in advance. AP, IB, A-level, and transfer coursework that meets fourth-term proficiency, as determined by the appropriate language department, fulfills this requirement. The final course in an elementary language sequence used to satisfy the language requirement must be elected on a graded basis.<\/td><td>0-20.0 credits<\/td><\/tr><tr><td>Humanities (HU)*<br>*Fourth term of a second foreign language may be used for HU credits (e.g., if an English-speaking student met Foreign Language requirement with Spanish and then took French classes through FR 232, FR 232 may count toward HU).&nbsp; The course must cover at least 4 credits of fourth-term material and be recognized as a course that fulfills the fourth-term foreign language proficiency to be accepted as HU.<\/td><td>9.0 credits<\/td><\/tr><tr><td>Natural Sciences (NS) and\/or Mathematical and Symbolic Analysis (MSA)&nbsp;<\/td><td>9.0 credits<\/td><\/tr><tr><td>Social Sciences (SS) (excludes ECON 101 &amp; 102)<\/td><td>9.0 credits<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The Inclusive Leaders Pathway is a degree requirement that is designed to introduce Ross students to the concepts of diversity, equity, inclusion, and belonging in the contexts of their business education and roles as future business leaders.&nbsp; Students must complete all four components of the milestone requirement to receive the BBA degree. This year, you will complete your first Inclusive Leaders Pathway Milestone through BA 100. Your BA 100 Canvas site will have information about how to fulfill the requirement. You can also reference the <a href=\"https:\/\/rossweb.bus.umich.edu\/academics\/student-resources\/michigan-ross-student-bulletins\">BBA Bulletin<\/a>, talk with your academic advisor, or reach out to BBAmilestone@umich.edu.<\/li>\n\n\n\n<li>Business Elective Credits: Students must complete enough business elective courses so that their fixed core, floating core, capstone, and business electives total 62.0 credits or more.&nbsp; Business elective courses cross-listed with other schools will count only as business credit.&nbsp; Students who complete business courses offered specifically for non-business students (e.g., BA 201, ES 212, FIN 275, MKT 302, etc.) will NOT earn credit for those courses toward their 62.0 business credit requirement nor toward their 54.0 non-business requirement.&nbsp; The course(s) will count toward a student\u2019s 120.0 total degree credit requirement and their cumulative GPA.&nbsp;&nbsp;<\/li>\n\n\n\n<li>Ross Capstone Course Requirement: Students must elect one required Ross capstone course in the Winter term of their Senior or final year in the BBA program.&nbsp; Capstone courses make connections between academic learning and the professional world; they include topics that address complex concepts, require diverse skills and perspectives, and are relevant to future professional endeavors.&nbsp; Some capstone courses also include an Action-Based Learning (or ABL) component, allowing students to have a direct customer\/stakeholder interaction and a deliverable that integrates learning and analysis and applies it to a real-world situation.&nbsp; Students can discuss their course selection and planning for a capstone course with their academic advisor.&nbsp; See the <a href=\"https:\/\/rossweb.bus.umich.edu\/academics\/bbacapstone\">BBA capstone requirement website<\/a> for current course offerings.&nbsp; All fixed core and floating core business coursework must be completed prior to taking a capstone course, with the exception of BA 400 which is to be taken during the Winter term of Senior year, as well.<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-2 kt-pane424_84ecfc-85\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">BBA Sophomores Starting in Fall 2025 or Fall 2026<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<h3 class=\"wp-block-heading\"><strong>CREDITS ACCEPTED FOR TRANSFER TO THE BBA PROGRAM<\/strong><\/h3>\n\n\n\n<p>For students who matriculate into Ross at the start of Sophomore year: the BBA program will apply a maximum of 45.0 transferable credits earned prior to the start of the BBA program toward the 120.0 credits required for the BBA degree, even if you have earned more than this.\u00a0 Individual courses may be applied to general degree requirements, such as distribution and the 54.0 non-business credit requirement beyond this 45.0 credit hour cap. <em>AP credits will <\/em><strong><em>not<\/em><\/strong><em> <\/em><em>count toward the Ross distribution requirements with the exception of some foreign language credits.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>BBA CORE COURSES AND SCHEDULE<\/strong><\/h3>\n\n\n\n<p>The BBA degree requires a minimum of 120.0 credits. 62.0 of these credits must be business credits, and 54.0 of the 120.0 total credits must be non-business credits (including credits used to meet distribution requirements). The remaining 4.0 credits may be either business or non-business coursework.<\/p>\n\n\n\n<p>Students entering the BBA program as Sophomores (cross-campus and external transfer students): the BBA program is organized to include 44.0 credits of required core (fixed and floating) courses, 33.5 credits of which must be taken in the prescribed (fixed) order.  All BBA students complete those fixed core courses in an assigned cohort (or section) of students and may not drop or complete required fixed core courses out of sequence. 10.5 credits of core coursework is designated as \u201cfloating core.\u201d Students may elect to complete the floating core coursework in any sequence between the Fall term of Sophomore year and the Fall term of Senior year. A required <a href=\"https:\/\/rossweb.bus.umich.edu\/academics\/bbacapstone\">capstone course<\/a> (credits vary) must also be completed in the Winter term of Senior year. Sophomore admits will also complete the following core courses on a slightly different path from BBA First Year students:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You will complete BA 102 instead of BA 100.&nbsp; BA 102 may be completed prior to admission into the BBA program and, if not, will need to be completed in the Fall of Sophomore year.<\/li>\n\n\n\n<li>You will take BCOM 250 during Fall term of Sophomore year.<\/li>\n\n\n\n<li>You will also take ACC 300 during Fall term of Sophomore year.<\/li>\n<\/ul>\n\n\n\n<p>If a cross-campus transfer student completes a BBA course at the Ross School of Business prior to entering the BBA program and a minimum course grade of C was earned, those credits will count toward the Ross program requirements and the course may not be repeated for additional credit toward the BBA degree. Students who complete courses offered specifically for non-business students (typically catalog number 302), prior to entering the BBA program will NOT earn credit for those courses toward the BBA degree.<\/p>\n\n\n\n<p><a href=\"http:\/\/www.bus.umich.edu\/Courses\/default.aspx\">Please click here to browse course descriptions<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>SOPHOMORE YEAR<\/strong><\/h4>\n\n\n<div class=\"kb-table-container kb-table-container424_60900d-86 wp-block-kadence-table\"><table class=\"kb-table kb-table424_60900d-86\">\n<tr class=\"kb-table-row kb-table-row424_74abdc-62\">\n<th class=\"kb-table-data kb-table-data424_cbcf03-3e\">\n\n<p class=\"has-text-align-left\"><strong>Fall term courses<\/strong><\/p>\n\n<\/th>\n\n<th class=\"kb-table-data kb-table-data424_09ba31-a9\">\n\n<p class=\"has-text-align-left\"><strong>Credits<\/strong><\/p>\n\n<\/th>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_78fe5b-d8\">\n<td class=\"kb-table-data kb-table-data424_ab2c92-08\">\n\n<p>ACC 300: Financial Accounting<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_a75fd8-e5\">\n\n<p>3.0<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_4cabad-1d\">\n<td class=\"kb-table-data kb-table-data424_6ab48b-1f\">\n\n<p>BA 102: Business Foundations (if not already completed prior to admission)<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_3e589e-b8\">\n\n<p>1.0<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_a88d3f-84\">\n<td class=\"kb-table-data kb-table-data424_18b8fd-b0\">\n\n<p>BA 200: Businesses &amp; Leaders: The Positive Differences<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_371e83-5e\">\n\n<p>3.0<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_7acc92-df\">\n<td class=\"kb-table-data kb-table-data424_10b3a9-3d\">\n\n<p>BCOM 250: Introduction to Business Communication<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_610b67-b2\">\n\n<p>1.5<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_3f512c-5d\">\n<td class=\"kb-table-data kb-table-data424_85dacc-e9\">\n\n<p>TO 301: Business Analytics and Statistics<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_df3a14-be\">\n\n<p>4.0<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_42ac73-e4\">\n<td class=\"kb-table-data kb-table-data424_c7a0c7-e1\">\n\n<p>Optional: floating core course(s)<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_82a3d2-58\">\n\n<p>varies<\/p>\n\n<\/td>\n<\/tr>\n<\/table><\/div>\n\n<div class=\"kb-table-container kb-table-container424_ff5276-7f wp-block-kadence-table\"><table class=\"kb-table kb-table424_ff5276-7f\">\n<tr class=\"kb-table-row kb-table-row424_c6563b-1d\">\n<th class=\"kb-table-data kb-table-data424_440d17-31\">\n\n<p class=\"has-text-align-left\"><strong>Winter term courses<\/strong><\/p>\n\n<\/th>\n\n<th class=\"kb-table-data kb-table-data424_512ab1-01\">\n\n<p class=\"has-text-align-left\"><strong>Credits<\/strong><\/p>\n\n<\/th>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_13be23-d1\">\n<td class=\"kb-table-data kb-table-data424_4a3679-95\">\n\n<p>ACC 301: Managerial Accounting<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_f26633-bd\">\n\n<p>3.0<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_0651a6-f1\">\n<td class=\"kb-table-data kb-table-data424_ebd994-4d\">\n\n<p>STRATEGY 290: Business Strategy<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_446478-81\">\n\n<p>1.5<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_98a4c3-14\">\n<td class=\"kb-table-data kb-table-data424_1d92f3-66\">\n\n<p>Optional: floating core course(s)<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_6c1380-1f\">\n\n<p>varies<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_0e46d5-1d\">\n<td class=\"kb-table-data kb-table-data424_e525aa-72\">\n\n<p>Optional approved business elective(s)<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_19c0d1-64\">\n\n<p>varies<\/p>\n\n<\/td>\n<\/tr>\n<\/table><\/div>\n\n\n<h5 class=\"wp-block-heading\"><strong>Fall or Winter term courses and additional requirements<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ECON 102: Principles of Economics II (Macroeconomics)\n<ul class=\"wp-block-list\">\n<li>ECON 102 must be completed (and grade posted to a student\u2019s transcript) by the start of Junior Fall term<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Non-business coursework (to count toward distribution and\/or 54.0 required non-business credits)<\/li>\n\n\n\n<li>Complete first and second Inclusive Leaders Pathway Milestone through BA 102 (which may be completed prior to admission) and BA 200<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>JUNIOR YEAR<\/strong><\/h4>\n\n\n<div class=\"kb-table-container kb-table-container424_ebe690-e9 wp-block-kadence-table\"><table class=\"kb-table kb-table424_ebe690-e9\">\n<tr class=\"kb-table-row kb-table-row424_b77709-06\">\n<th class=\"kb-table-data kb-table-data424_36bb1e-bd\">\n\n<p class=\"has-text-align-left\"><strong>Fall term courses \u2013 Ross Integrative Semester<\/strong><\/p>\n\n<\/th>\n\n<th class=\"kb-table-data kb-table-data424_760d85-85\">\n\n<p class=\"has-text-align-left\"><strong>Credits<\/strong><\/p>\n\n<\/th>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_c1b217-8a\">\n<td class=\"kb-table-data kb-table-data424_5936fc-e5\">\n\n<p>BCOM 350: Professional Communication Strategies<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_1fa875-ac\">\n\n<p>1.5<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_624d82-20\">\n<td class=\"kb-table-data kb-table-data424_52ce37-7f\">\n\n<p>BL 300: Business Law and Ethics<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_318598-7a\">\n\n<p>3.0<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_e67b28-81\">\n<td class=\"kb-table-data kb-table-data424_dbe795-f0\">\n\n<p>MO 300: Behavioral Theory in Management<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_6a2444-19\">\n\n<p>3.0<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_a23480-15\">\n<td class=\"kb-table-data kb-table-data424_19bd71-28\">\n\n<p>TO 313: Operations Management<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_9e2653-97\">\n\n<p>3.0<\/p>\n\n<\/td>\n<\/tr>\n<\/table><\/div>\n\n<div class=\"kb-table-container kb-table-container424_b8f0f6-52 wp-block-kadence-table\"><table class=\"kb-table kb-table424_b8f0f6-52\">\n<tr class=\"kb-table-row kb-table-row424_a7bf49-4d\">\n<th class=\"kb-table-data kb-table-data424_ff2c54-4b\">\n\n<p class=\"has-text-align-left\"><strong>Winter term courses<\/strong><\/p>\n\n<\/th>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_be28cf-3a\">\n<td class=\"kb-table-data kb-table-data424_4fe3e0-54\">\n\n<p>UM-Ann Arbor coursework to meet degree requirements, or International Semester Exchange<\/p>\n\n<\/td>\n<\/tr>\n<\/table><\/div>\n\n\n<h5 class=\"wp-block-heading\"><strong>Fall or Winter term courses and additional requirements<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Non-business coursework (to count toward distribution and\/or 54.0 required non-business credits)<\/li>\n\n\n\n<li>Complete third Inclusive Leaders Pathway Milestone through Ross Integrative Semester (RIS)<\/li>\n\n\n\n<li>Business electives and floating core course(s)<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>SENIOR YEAR<\/strong><\/h4>\n\n\n<div class=\"kb-table-container kb-table-container424_c1e99a-dc wp-block-kadence-table\"><table class=\"kb-table kb-table424_c1e99a-dc\">\n<tr class=\"kb-table-row kb-table-row424_34858d-d5\">\n<td class=\"kb-table-data kb-table-data424_906f49-ff\">\n\n<p><strong>Fall term courses<\/strong><\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_1055a3-8e\">\n\n<p><strong>Credits<\/strong><\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_00571a-d5\">\n<td class=\"kb-table-data kb-table-data424_f6e507-0c\">\n\n<p>STRATEGY 390: Corporate Strategy<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_363ec2-46\">\n\n<p>3.0<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_dc0a67-e7\">\n<td class=\"kb-table-data kb-table-data424_af8efb-9c\">\n\n<p>All remaining floating core course(s)<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_9ca53f-b2\">\n\n<p>varies<\/p>\n\n<\/td>\n<\/tr>\n<\/table><\/div>\n\n<div class=\"kb-table-container kb-table-container424_814e42-58 wp-block-kadence-table\"><table class=\"kb-table kb-table424_814e42-58\">\n<tr class=\"kb-table-row kb-table-row424_18948a-57\">\n<th class=\"kb-table-data kb-table-data424_cd9557-48\">\n\n<p class=\"has-text-align-left\"><strong>Winter term courses<\/strong><\/p>\n\n<\/th>\n\n<th class=\"kb-table-data kb-table-data424_5e6b58-1f\">\n\n<p class=\"has-text-align-left\"><strong>Credits<\/strong><\/p>\n\n<\/th>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_93dc7f-83\">\n<td class=\"kb-table-data kb-table-data424_5e53ad-b3\">\n\n<p><a href=\"https:\/\/rossweb.bus.umich.edu\/academics\/bbacapstone\/\">Senior capstone course<\/a><\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_c3d563-9f\">\n\n<p>varies<\/p>\n\n<\/td>\n<\/tr>\n<\/table><\/div>\n\n\n<h5 class=\"wp-block-heading\"><strong>Fall or Winter term courses and additional requirements<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Non-business coursework (to count toward distribution and\/or 54.0 required non-business credits)<\/li>\n\n\n\n<li>Complete fourth Inclusive Leaders Pathway Milestone through STRATEGY 390<\/li>\n\n\n\n<li>Business electives<\/li>\n<\/ul>\n\n\n\n<p><strong>FLOATING CORE COURSES: <\/strong>must be completed Fall term of Sophomore year through Fall term of Senior year<\/p>\n\n\n<div class=\"kb-table-container kb-table-container424_e57339-ca wp-block-kadence-table\"><table class=\"kb-table kb-table424_e57339-ca\">\n<tr class=\"kb-table-row kb-table-row424_30cd22-85\">\n<th class=\"kb-table-data kb-table-data424_17013d-2c\">\n\n<p class=\"has-text-align-left\">Floating Core Course<\/p>\n\n<\/th>\n\n<th class=\"kb-table-data kb-table-data424_b227f0-2d\">\n\n<p class=\"has-text-align-left\">Credits<\/p>\n\n<\/th>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_c6d5a6-8b\">\n<td class=\"kb-table-data kb-table-data424_8b3c31-69\">\n\n<p>BE 300: Applied Economics<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_f27308-e1\">\n\n<p>3.0<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_c25de0-b3\">\n<td class=\"kb-table-data kb-table-data424_007726-7c\">\n\n<p>FIN 300: Financial Management<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_834cf9-3b\">\n\n<p>3.0<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_c3e1eb-4a\">\n<td class=\"kb-table-data kb-table-data424_a3b47e-d7\">\n\n<p>MKT 300: Marketing Management<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_053489-51\">\n\n<p>3.0<\/p>\n\n<\/td>\n<\/tr>\n\n<tr class=\"kb-table-row kb-table-row424_b1a6a7-7a\">\n<td class=\"kb-table-data kb-table-data424_3a9067-ee\">\n\n<p>TO 300: Business Information Systems<\/p>\n\n<\/td>\n\n<td class=\"kb-table-data kb-table-data424_841ebe-ec\">\n\n<p>1.5<\/p>\n\n<\/td>\n<\/tr>\n<\/table><\/div>\n\n\n<p><strong>Waiving Core Business Courses<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>BE 300:<\/strong> Effective Fall 2018, if a student has successfully completed ECON 401 at UM-Ann Arbor with a final grade of A- or higher, they can request to waive the BE 300 floating core requirement.&nbsp; To make such a request, the student must complete and submit a <a href=\"https:\/\/docs.google.com\/forms\/d\/e\/1FAIpQLSdBdZcX2Rhk7OU3iDnz3ixxKlgcrlT2BAPLDYwivakLLdzL5A\/viewform?pli=1\">BBA Waiver Request form<\/a> by the end of Winter term of their Junior year in the BBA program.&nbsp; Please note: a waiver signifies the student has met competency in the material and does not grant credit.&nbsp; Therefore, a student who waives BE 300 would need to complete additional business coursework toward the 62.0 credits required for a BBA degree.&nbsp; No BBA core (fixed or floating) course other than those listed in this section may be waived.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>ADDITIONAL DEGREE REQUIREMENTS<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ECON 102: ECON 102 must be completed (and the grade posted to the student\u2019s transcript) prior to the start of Junior Fall term and the Ross Integrative Semester (RIS) core.&nbsp; ECON 102 must be taken on a graded basis if completing the course at UM-Ann Arbor.&nbsp; Transfer courses that are equivalents based on the Office of Undergraduate Admissions transfer guide (<a href=\"http:\/\/www.ugadmiss.umich.edu\/TCE\/Public\/CT_TCESearch.aspx\">http:\/\/www.ugadmiss.umich.edu\/TCE\/Public\/CT_TCESearch.aspx<\/a>) will be accepted.\u200b&nbsp;&nbsp;<\/li>\n\n\n\n<li>BBA Distribution Requirements: Ross distribution is similar to the College of Literature, Science, and the Arts (LSA), with exceptions noted below. Students should refer to the LSA Course Guide (<a href=\"https:\/\/lsa.umich.edu\/cg\/\">https:\/\/lsa.umich.edu\/cg\/<\/a>) to see if a course meets the requirements for a distribution area.&nbsp; Courses may have one of the following designations:\n<ul class=\"wp-block-list\">\n<li>Foreign Language (Lang Req) \u200b<\/li>\n\n\n\n<li>Humanities (HU)&nbsp;<\/li>\n\n\n\n<li>Natural Science (NS)<\/li>\n\n\n\n<li>Mathematical and Symbolic Analysis (MSA)&nbsp;<\/li>\n\n\n\n<li>Social Science (SS) \u200b<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>Classes without one of the above designations may not be used toward an area distribution plan.&nbsp; Ross students must complete three of the following four requirements:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Foreign Language (fourth-term proficiency in a language other than English: Fourth-term proficiency in a foreign language is determined by successful completion of a proficiency examination administered by UM or by completion of a fourth-term college-level foreign language course. The language requirement cannot be satisfied by out-of-residence credit which is elected after the student has begun degree enrollment at the University of Michigan unless the appropriate language department has approved that plan in advance. AP, IB, A-level, and transfer coursework that meets fourth-term proficiency, as determined by the appropriate language department, fulfills this requirement. The final course in an elementary language sequence used to satisfy the language requirement must be elected on a graded basis.<\/td><td>0-20.0 credits<\/td><\/tr><tr><td>Humanities (HU)*<br>*Fourth term of a second foreign language may be used for HU credits (e.g., if an English-speaking student met Foreign Language requirement with Spanish and then took French classes through FR 232, FR 232 may count toward HU).&nbsp; The course must cover at least 4 credits of fourth-term material and be recognized as a course that fulfills the fourth-term foreign language proficiency to be accepted as HU.<\/td><td>9.0 credits<\/td><\/tr><tr><td>Natural Sciences (NS) and\/or Mathematical and Symbolic Analysis (MSA)&nbsp;<\/td><td>9.0 credits<\/td><\/tr><tr><td>Social Sciences (SS) (excludes ECON 101 &amp; 102)<\/td><td>9.0 credits<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The Inclusive Leaders Pathway is a degree requirement that is designed to introduce Ross students to the concepts of diversity, equity, inclusion, and belonging in the contexts of their business education and roles as future business leaders.&nbsp; Students must complete all four components of the milestone requirement to receive the BBA degree. This year, you will complete your first Inclusive Leaders Pathway Milestone through BA 100. Your BA 100 Canvas site will have information about how to fulfill the requirement. You can also reference the <a href=\"https:\/\/rossweb.bus.umich.edu\/academics\/student-resources\/michigan-ross-student-bulletins\">BBA Bulletin<\/a>, talk with your academic advisor, or reach out to BBAmilestone@umich.edu.<\/li>\n\n\n\n<li>Business Elective Credits: Students must complete enough business elective courses so that their fixed core, floating core, capstone, and business electives total 62.0 credits or more.&nbsp; Business elective courses cross-listed with other schools will count only as business credit.&nbsp; Students who complete business courses offered specifically for non-business students (e.g., BA 201, ES 212, FIN 275, MKT 302, etc.) will NOT earn credit for those courses toward their 62.0 business credit requirement nor toward their 54.0 non-business requirement.&nbsp; The course(s) will count toward a student\u2019s 120.0 total degree credit requirement and their cumulative GPA.&nbsp;&nbsp;<\/li>\n\n\n\n<li>Ross Capstone Course Requirement: Students must elect one required Ross capstone course in the Winter term of their Senior or final year in the BBA program.&nbsp; Capstone courses make connections between academic learning and the professional world; they include topics that address complex concepts, require diverse skills and perspectives, and are relevant to future professional endeavors.&nbsp; Some capstone courses also include an Action-Based Learning (or ABL) component, allowing students to have a direct customer\/stakeholder interaction and a deliverable that integrates learning and analysis and applies it to a real-world situation.&nbsp; Students can discuss their course selection and planning for a capstone course with their academic advisor.&nbsp; See the <a href=\"https:\/\/rossweb.bus.umich.edu\/academics\/bbacapstone\">BBA capstone requirement website<\/a> for current course offerings.&nbsp; All fixed core and floating core business coursework must be completed prior to taking a capstone course, with the exception of BA 400 which is to be taken during the Winter term of Senior year, as well.<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id424_0cf4c7-d0 kt-accordion-has-2-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"none\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane424_e35468-97\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">BBA Curriculum for Students Admitted as First Year BBAs or Preferred Admits in Fall 2022 or Fall 2023 and Sophomore Admits in Fall 2023 or Fall 2024<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id424_cfab79-f4 kt-accordion-has-2-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-arrow kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"none\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane424_f7a48a-b7\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">BBA First Year and Preferred Admission Students Starting in Fall 2022 or Fall 2023<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<h3 class=\"wp-block-heading\">CREDITS ACCEPTED FOR TRANSFER TO THE BBA PROGRAM<\/h3>\n\n\n\n<p>For students who matriculate into&nbsp;Ross as BBA First Years: the BBA program will apply&nbsp;a maximum of 30.0 transferable&nbsp;credits earned prior to the start of the BBA program toward the 120.0 credits required for the BBA degree, even if a student has earned more than this.&nbsp;Individual courses may be applied to general degree requirements, such as distribution and the 54.0 non-business credit requirement beyond this 30.0 credit hour cap. <em>AP credits will <strong>not<\/strong> count toward the Ross distribution requirements with the exception of some foreign language credits.<\/em><\/p>\n\n\n\n<p>For Preferred Admission (PA) students who matriculate into Ross at the start of Sophomore year: the BBA program will apply a maximum of 45.0 transferable credits earned prior to the start of the BBA program toward the 120.0 credits required for the BBA degree, even if you have earned more than this.&nbsp; Individual courses may be applied to general degree requirements, such as distribution and the 54.0 non-business credit requirement beyond this 45.0 credit hour cap. <em>AP credits will <strong>not<\/strong> count toward the Ross distribution requirements with the exception of some foreign language credits.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">BBA CORE COURSES AND SCHEDULE<\/h3>\n\n\n\n<p>The BBA degree requires a minimum of 120.0 credits. 61.0 of these credits must be business credits, and 54.0 of the 120.0 total credits must be non-business credits (including credits used to meet distribution requirements). The remaining 5.0 credits may be either business or non-business coursework.<\/p>\n\n\n\n<p>First Year BBA and PA students: The BBA program is organized to include 45.0 credits of required core (fixed and floating) courses, 34.5 credits of which must be taken in the prescribed (fixed) order.&nbsp; All BBA students complete those fixed core courses in an assigned cohort (or section) of students and may not drop or complete required fixed core courses out of sequence.&nbsp;10.5 credits of core coursework is designated as \u201cfloating core.\u201d Students may elect to complete the floating core coursework in any sequence between the Winter term of Sophomore year and the Fall term of Senior year.&nbsp;A required <a href=\"\/academics\/bbacapstone\">capstone course<\/a> (credits vary) must also be completed in the Winter term of Senior year.<\/p>\n\n\n\n<p>Students who complete courses offered specifically for non-business students (typically catalog number 302), prior to entering the BBA program will NOT earn credit for those courses toward&nbsp;the BBA degree.<\/p>\n\n\n\n<p><a href=\"http:\/\/www.bus.umich.edu\/Courses\/default.aspx\">Please click here to browse course descriptions<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>FIRST-YEAR<\/strong><\/h4>\n\n\n<div class=\"kb-row-layout-wrap kb-row-layout-id424_b721c7-98 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n\n<div class=\"wp-block-kadence-column kadence-column424_ef038b-4e inner-column-1\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th><strong>Fall term courses<\/strong><\/th><th><strong>Credits<\/strong><\/th><\/tr><\/thead><tbody><tr><td>BA 100: Introduction to Ross: Foundations in Learning Business*<\/td><td>0.5 (if taken in Fall 2018 or earlier)<br><br>1.0 (if taken in Fall 2019 or later)<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-column kadence-column424_69600a-99 inner-column-2\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th><strong>Winter term courses<\/strong><\/th><th><strong>Credits<\/strong><\/th><\/tr><\/thead><tbody><tr><td>BA 100: Introduction to Ross: Foundations in Learning Business*<\/td><td>0.5 (if taken in Winter&nbsp;2019&nbsp;or earlier)<br><br>1.0 (if taken in Winter&nbsp;2020&nbsp;or later)<\/td><\/tr><tr><td>BCOM 250: Introduction to Business Communication**<\/td><td>1.5<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h5 class=\"wp-block-heading\">Fall or Winter term courses<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>First Year courses: Calculus, FYWR, ECON 101<\/li>\n\n\n\n<li>Non-business coursework (to meet distribution and\/or 54.0 required non-business credits)\u200b<\/li>\n\n\n\n<li>Complete first Inclusive Leaders Pathway milestone through BA 100 <\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>SOPHOMORE YEAR<\/strong><\/h4>\n\n\n<div class=\"kb-row-layout-wrap kb-row-layout-id424_97f873-ba alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n\n<div class=\"wp-block-kadence-column kadence-column424_492db5-94 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th><strong>Fall term courses<\/strong><\/th><th><strong>Credits<\/strong><\/th><\/tr><\/thead><tbody><tr><td>ACC 300: Financial Accounting<\/td><td>3.0<\/td><\/tr><tr><td>BA 200: Businesses &amp; Leaders: The Positive Differences<\/td><td>3.0<\/td><\/tr><tr><td>TO 301: Business Analytics and Statistics<\/td><td>4.0<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-column kadence-column424_67060e-fc inner-column-2\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th><strong>Winter term courses<\/strong><\/th><th><strong>Credits<\/strong><\/th><\/tr><\/thead><tbody><tr><td>ACC 301: Managerial Accounting<\/td><td>3.0<\/td><\/tr><tr><td>STRATEGY 290: Business Strategy<\/td><td>1.5<\/td><\/tr><tr><td>Optional: floating core course(s)<\/td><td>varies<\/td><\/tr><tr><td>Optional approved business elective(s)<\/td><td>varies<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h5 class=\"wp-block-heading\">Fall or Winter term courses and additional requirements<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ECON 102: Principles of Economics II (Macroeconomics)\n<ul class=\"wp-block-list\">\n<li>ECON 102 must be completed (and grade posted to a student&#8217;s transcript) by the start of Junior Fall term<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Non-business coursework (to count toward distribution and\/or 54.0 required non-business credits)<\/li>\n\n\n\n<li>Complete second Inclusive Leaders Pathway milestone through BA 200 <\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>JUNIOR YEAR<\/strong><\/h4>\n\n\n<div class=\"kb-row-layout-wrap kb-row-layout-id424_f128d5-b4 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n\n<div class=\"wp-block-kadence-column kadence-column424_eb4032-1c inner-column-1\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Fall term courses &#8211; Ross Integrative Semester<\/th><th>Credits<\/th><\/tr><\/thead><tbody><tr><td>BCOM 350: Professional Communication Strategies<\/td><td>1.5<\/td><\/tr><tr><td>BL 300: Business Law and Ethics<\/td><td>3.0<\/td><\/tr><tr><td>MO 300: Behavioral Theory in Management<\/td><td>3.0<\/td><\/tr><tr><td>TO 313: Operations Management<\/td><td>3.0<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-column kadence-column424_ad73a9-a0 inner-column-2\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Winter term courses<\/th><\/tr><\/thead><tbody><tr><td>UM-Ann Arbor coursework to meet degree requirements, or International Semester Exchange<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h5 class=\"wp-block-heading\">Fall or&nbsp;Winter term courses and additional requirements<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Non-business coursework (to count toward distribution and\/or 54.0 required non-business credits)<\/li>\n\n\n\n<li>Complete third Inclusive Leaders Pathway milestone through RIS<\/li>\n\n\n\n<li>Business electives and floating core course(s)<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>SENIOR YEAR<\/strong><\/h4>\n\n\n<div class=\"kb-row-layout-wrap kb-row-layout-id424_5a09c6-b1 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n\n<div class=\"wp-block-kadence-column kadence-column424_856892-5c inner-column-1\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Fall term courses<\/th><th>Credits<\/th><\/tr><\/thead><tbody><tr><td>STRATEGY 390: Corporate Strategy<\/td><td>3.0<\/td><\/tr><tr><td>All remaining floating core course(s)<\/td><td>varies<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-column kadence-column424_c1868c-3b inner-column-2\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Winter term courses<\/th><th>Credits<\/th><\/tr><\/thead><tbody><tr><td><a href=\"https:\/\/rossweb.bus.umich.edu\/academics\/bbacapstone\/\" title=\"BBA Capstone Requirement\">Senior capstone course<\/a><\/td><td>varies<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h5 class=\"wp-block-heading\">Fall or&nbsp;Winter term courses and additional requirements<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Non-business coursework (to count toward distribution and\/or 54.0 required non-business credits)<\/li>\n\n\n\n<li>Complete fourth Inclusive Leaders Pathway milestone through STRATEGY 390<\/li>\n\n\n\n<li>Business electives<\/li>\n<\/ul>\n\n\n\n<p><strong>FLOATING CORE COURSES:&nbsp;<\/strong>must be completed Winter term of Sophomore year through Fall term of Senior year<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td>BE 300: Applied Economics<\/td><td>3.0<\/td><\/tr><tr><td>FIN 300: Financial Management<\/td><td>3.0<\/td><\/tr><tr><td>MKT 300: Marketing Management<\/td><td>3.0<\/td><\/tr><tr><td>TO 300: Business Information Systems<\/td><td>1.5<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Waiving Core Business Courses<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>BE 300:<\/strong> Effective Fall 2018, if a student has successfully completed ECON 401 at UM-Ann Arbor with a final grade of A- or higher, they can request to waive the BE 300 floating core requirement.&nbsp; To make such a request, the student must complete and submit a <a href=\"https:\/\/docs.google.com\/forms\/d\/e\/1FAIpQLSdBdZcX2Rhk7OU3iDnz3ixxKlgcrlT2BAPLDYwivakLLdzL5A\/viewform?pli=1\">BBA Waiver Request form<\/a> by the end of Winter term of their Junior year in the BBA program.&nbsp; Please note: a waiver signifies the student has met competency in the material and does not grant credit.&nbsp; Therefore, a student who waives BE 300 would need to complete additional business coursework toward the 62.0 credits required for a BBA degree.&nbsp; No BBA core (fixed or floating) course other than those listed in this section may be waived.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><a name=\"2014Additional\"><\/a>ADDITIONAL DEGREE REQUIREMENTS<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ECON 102:&nbsp;ECON 102 must be completed (and the grade posted ot the student&#8217;s transcript) prior to the start of Junior Fall term and the Ross Integrative Semester (RIS) core.&nbsp; ECON 102 must be taken on a graded basis if completing the course at UM-Ann Arbor.&nbsp; Transfer courses that are equivalents based on the Office of Undergraduate Admissions transfer guide (<a href=\"http:\/\/www.ugadmiss.umich.edu\/TCE\/Public\/CT_TCESearch.aspx\">http:\/\/www.ugadmiss.umich.edu\/TCE\/Public\/CT_TCESearch.aspx<\/a>) will be accepted.\u200b&nbsp;&nbsp;<\/li>\n\n\n\n<li>BBA Distribution&nbsp;Requirements: Ross distribution is similar to the College of Literature, Science, and the Arts (LSA), with exceptions noted below.&nbsp;Students should refer to the LSA Course Guide (<a href=\"https:\/\/lsa.umich.edu\/cg\/\">https:\/\/lsa.umich.edu\/cg\/<\/a>) to see if a course meets the requirements for a distribution area.&nbsp; Courses may have one of the following designations:\n<ul class=\"wp-block-list\">\n<li>Foreign Language (Lang Req)&nbsp;\u200b<\/li>\n\n\n\n<li>Humanities (HU)&nbsp;<\/li>\n\n\n\n<li>Natural Science (NS)<\/li>\n\n\n\n<li>Mathematical and Symbolic Analysis (MSA)&nbsp;<\/li>\n\n\n\n<li>Social Science (SS)&nbsp;\u200b<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>Classes without one of the above designations may not be used toward an area distribution plan.&nbsp;&nbsp;Ross students must complete&nbsp;three&nbsp;of the following four requirements:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td>\n<p>Foreign Language (fourth-term proficiency in a language other than English: Fourth-term proficiency in a foreign language is determined by successful completion of a proficiency examination administered by UM or by completion of a fourth-term college-level foreign language course. The language requirement cannot be satisfied by out-of-residence credit which is elected after the student has begun degree enrollment at the University of Michigan unless the appropriate language department has approved that plan in advance. AP, IB, A-level, and transfer coursework that meets fourth-term proficiency, as determined by the appropriate language department, fulfills this requirement. The final course in an elementary language sequence used to satisfy the language requirement must be elected on a graded basis.<\/p>\n<\/td><td>\n<p>0-20.0 credits<\/p>\n<\/td><\/tr><tr><td>\n<p>Humanities (HU)*<br>*Fourth term of a second foreign language may be used for HU credits (e.g., if an English-speaking student met Foreign Language requirement with Spanish and then took French classes through FR 232, FR 232 may count toward HU).&nbsp; The course must cover at least 4 credits of fourth-term material and be recognized as a course that fulfills the fourth-term foreign language proficiency to be accepted as HU.<\/p>\n<\/td><td>\n<p>9.0 credits<\/p>\n<\/td><\/tr><tr><td>\n<p>Natural Sciences (NS) and\/or Mathematical and Symbolic Analysis (MSA)&nbsp;<\/p>\n<\/td><td>\n<p>9.0 credits<\/p>\n<\/td><\/tr><tr><td>\n<p>Social Sciences (SS)&nbsp;(excludes ECON 101 &amp; 102)<\/p>\n<\/td><td>\n<p>9.0 credits<\/p>\n<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The Inclusive Leaders Pathway is a degree requirement that is designed to introduce Ross students to the concepts of diversity, equity, inclusion, and belonging in the contexts of their business education and roles as future business leaders.&nbsp; Students must complete all four&nbsp;components of the milestone requirement to receive the BBA degree. This year, you will complete your first Inclusive Leaders Pathway Milestone through BA 100. Your BA 100 Canvas site will have information about how to fulfill the requirement. You can also reference the&nbsp;<a href=\"https:\/\/rossweb.bus.umich.edu\/academics\/student-resources\/michigan-ross-student-bulletins\" target=\"_blank\" rel=\"noreferrer noopener\">BBA Bulletin<\/a>, talk with your academic advisor, or reach out to&nbsp;<a href=\"mailto:bbamilestone@umich.edu\" target=\"_blank\" rel=\"noreferrer noopener\">BBAmilestone@umich.edu<\/a>.<\/li>\n\n\n\n<li>Business Elective Credits: Students must complete enough business elective courses so that their fixed core, floating core, capstone, and business electives total 61.0 credits or more.&nbsp; Business elective courses cross-listed with other schools will count only as business credit.&nbsp; Students who complete business courses offered specifically for non-business students (e.g., BA 201, ES 212, FIN 275, MKT 302, etc.) prior to entering the BBA program will NOT earn credit for those courses toward their 61.0 business credit requirement nor toward their 54.0 non-business requirement.&nbsp; The course(s) will count toward a student&#8217;s 120.0 total degree credit requirement and their cumulative GPA.&nbsp;&nbsp;<\/li>\n\n\n\n<li>Ross Capstone Course Requirement:&nbsp;Students must elect one required Ross capstone course in the Winter term of their Senior or final year in the BBA program.&nbsp; Capstone courses make connections between academic learning and the professional world; they include topics that address complex concepts, require diverse skills and perspectives, and are relevant to future professional endeavors.&nbsp; Some capstone courses also include an Action-Based Learning (or ABL) component, allowing students to have a direct customer\/stakeholder interaction and a deliverable that integrates learning and analysis and applies it to a real-world situation.&nbsp; Students can discuss their course selection and planning for a capstone course with their academic advisor.&nbsp; See the <a href=\"\/academics\/bbacapstone\">BBA capstone requirement website<\/a> for current course offerings.&nbsp; All fixed core and floating core business coursework must be completed prior to taking a capstone course, with the exception of BA 400 which is to be taken during the Winter term of Senior year, as well.<a id=\"2017\" name=\"2017\"><\/a><\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-2 kt-pane424_98224d-3f\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">BBA Sophomores Starting in Fall 2023 or Fall 2024<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<h3 class=\"wp-block-heading\">CREDITS ACCEPTED FOR TRANSFER TO THE BBA PROGRAM<\/h3>\n\n\n\n<p>For students who matriculate into&nbsp;Ross as BBA First Years: the BBA program will apply&nbsp;a maximum of 30.0 transferable&nbsp;credits earned prior to the start of the BBA program toward the 120.0 credits required for the BBA degree, even if a student has earned more than this.&nbsp;Individual courses may be applied to general degree requirements, such as distribution and the 54.0 non-business credit requirement beyond this 30.0 credit hour cap. <em>AP credits will <strong>not<\/strong> count toward the Ross distribution requirements with the exception of some foreign language credits.<\/em><\/p>\n\n\n\n<p>For PA students who matriculate into Ross at the start of Sophomore year: the BBA program will apply a maximum of 45.0 transferable credits earned prior to the start of the BBA program toward the 120.0 credits required for the BBA degree, even if you have earned more than this.&nbsp; Individual courses may be applied to general degree requirements, such as distribution and the 54.0 non-business credit requirement beyond this 45.0 credit hour cap. <em>AP credits will <strong>not<\/strong> count toward the Ross distribution requirements with the exception of some foreign language credits.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">BBA CORE COURSES AND SCHEDULE<\/h3>\n\n\n\n<p>The BBA degree requires a minimum of 120.0 credits. 61.0 of these credits must be business credits, and 54.0 of the 120.0 total credits must be non-business credits (including credits used to meet distribution requirements). The remaining 5.0 credits may be either business or non-business coursework.<\/p>\n\n\n\n<p>Students Admitted as Sophomores: The BBA program is organized to include 44.0 credits of required core (fixed and floating) courses, 33.5 credits of which must be taken in the prescribed (fixed) order.&nbsp; All BBA students complete those fixed core courses in an assigned cohort (or section) of students and may not drop or complete required fixed core courses out of sequence.&nbsp;10.5 credits of core coursework is designated as \u201cfloating core.\u201d Students may elect to complete the floating core coursework in any sequence between the Winter term of Sophomore year and the Fall term of Senior year.&nbsp;A required <a href=\"\/academics\/bbacapstone\">capstone course<\/a> (credits vary) must also be completed in the Winter term of Senior year. Students who enter the BBA program at the start of Fall term Sophomore year will take a specialized version of BA 100 (BA 102 for 1.0 credit) and will take BCOM 250 during the Winter term of Sophomore year.<\/p>\n\n\n\n<p>If a cross-campus transfer student completes a BBA&nbsp;course at the Ross School of Business prior to entering the BBA program and a minimum course grade of C&nbsp;was earned, those credits will count toward the Ross program requirements and the&nbsp;course may not be repeated for additional credit toward the BBA degree. Students who complete courses offered specifically for non-business students (typically catalog number 302), prior to entering the BBA program will NOT earn credit for those courses toward&nbsp;the BBA degree.<\/p>\n\n\n\n<p><a href=\"http:\/\/www.bus.umich.edu\/Courses\/default.aspx\">Please click here to browse course descriptions<\/a><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>SOPHOMORE YEAR<\/strong><\/h4>\n\n\n<div class=\"kb-row-layout-wrap kb-row-layout-id424_c3dcb3-72 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n\n<div class=\"wp-block-kadence-column kadence-column424_46eecd-f5 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th><strong>Fall term courses<\/strong><\/th><th><strong>Credits<\/strong><\/th><\/tr><\/thead><tbody><tr><td>ACC 300: Financial Accounting<\/td><td>3.0<\/td><\/tr><tr><td>BA 102: Business Foundations<\/td><td>1.0<\/td><\/tr><tr><td>BA 200: Businesses &amp; Leaders: The Positive Differences<\/td><td>3.0<\/td><\/tr><tr><td>TO 301: Business Analytics and Statistics<\/td><td>4.0<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-column kadence-column424_e61ecd-36 inner-column-2\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th><strong>Winter term courses<\/strong><\/th><th><strong>Credits<\/strong><\/th><\/tr><\/thead><tbody><tr><td>ACC 301: Managerial Accounting<\/td><td>3.0<\/td><\/tr><tr><td>STRATEGY 290: Business Strategy<\/td><td>1.5<\/td><\/tr><tr><td>Optional: floating core course(s)<\/td><td>varies<\/td><\/tr><tr><td>Optional approved business elective(s)<\/td><td>varies<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h5 class=\"wp-block-heading\">Fall or Winter term courses and additional requirements<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ECON 102: Principles of Economics II (Macroeconomics)\n<ul class=\"wp-block-list\">\n<li>ECON 102 must be completed (and grade posted to a student&#8217;s transcript) by the start of Junior Fall term<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Non-business coursework (to count toward distribution and\/or 54.0 required non-business credits)<\/li>\n\n\n\n<li>Complete first and second Inclusive Leaders Pathway milestones<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>JUNIOR YEAR<\/strong><\/h4>\n\n\n<div class=\"kb-row-layout-wrap kb-row-layout-id424_aad2d1-20 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n\n<div class=\"wp-block-kadence-column kadence-column424_5087a9-fd inner-column-1\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Fall term courses &#8211; Ross Integrative Semester<\/th><th>Credits<\/th><\/tr><\/thead><tbody><tr><td>BCOM 350: Professional Communication Strategies<\/td><td>1.5<\/td><\/tr><tr><td>BL 300: Business Law and Ethics<\/td><td>3.0<\/td><\/tr><tr><td>MO 300: Behavioral Theory in Management<\/td><td>3.0<\/td><\/tr><tr><td>TO 313: Operations Management<\/td><td>3.0<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-column kadence-column424_621231-1d inner-column-2\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Winter term courses<\/th><\/tr><\/thead><tbody><tr><td>UM-Ann Arbor coursework to meet degree requirements, or International Semester Exchange<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h5 class=\"wp-block-heading\">Fall or&nbsp;Winter term courses and additional requirements<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Non-business coursework (to count toward distribution and\/or 54.0 required non-business credits)<\/li>\n\n\n\n<li>Complete third Inclusive Leaders Pathway milestone<\/li>\n\n\n\n<li>Business electives and floating core course(s)<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>SENIOR YEAR<\/strong><\/h4>\n\n\n<div class=\"kb-row-layout-wrap kb-row-layout-id424_4234c8-1c alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n\n<div class=\"wp-block-kadence-column kadence-column424_317dd7-3c inner-column-1\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Fall term courses<\/th><th>Credits<\/th><\/tr><\/thead><tbody><tr><td>STRATEGY 390: Corporate Strategy<\/td><td>3.0<\/td><\/tr><tr><td>All remaining floating core course(s)<\/td><td>varies<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-column kadence-column424_575894-65 inner-column-2\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Winter term courses<\/th><th>Credits<\/th><\/tr><\/thead><tbody><tr><td><a href=\"https:\/\/rossweb.bus.umich.edu\/academics\/bbacapstone\/\" title=\"BBA Capstone Requirement\">Senior capstone course<\/a><\/td><td>varies<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h5 class=\"wp-block-heading\">Fall or&nbsp;Winter term courses and additional requirements<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Non-business coursework (to count toward distribution and\/or 54.0 required non-business credits)<\/li>\n\n\n\n<li>Complete fourth Inclusive Leaders Pathway milestone<\/li>\n\n\n\n<li>Business electives<\/li>\n<\/ul>\n\n\n\n<p><strong>FLOATING CORE COURSES:&nbsp;<\/strong>must be completed Winter term of Sophomore year through Fall term of Senior year<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td>BE 300: Applied Economics<\/td><td>3.0<\/td><\/tr><tr><td>FIN 300: Financial Management<\/td><td>3.0<\/td><\/tr><tr><td>MKT 300: Marketing Management<\/td><td>3.0<\/td><\/tr><tr><td>TO 300: Business Information Systems<\/td><td>1.5<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Waiving Core Business Courses<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>BE 300:<\/strong> Effective Fall 2018, if a student has successfully completed ECON 401 at UM-Ann Arbor with a final grade of A- or higher, they can request to waive the BE 300 floating core requirement.&nbsp; To make such a request, the student must complete and submit a <a href=\"https:\/\/docs.google.com\/forms\/d\/e\/1FAIpQLSdBdZcX2Rhk7OU3iDnz3ixxKlgcrlT2BAPLDYwivakLLdzL5A\/viewform?pli=1\">BBA Waiver Request form<\/a> by the end of Winter term of their Junior year in the BBA program.&nbsp; Please note: a waiver signifies the student has met competency in the material and does not grant credit.&nbsp; Therefore, a student who waives BE 300 would need to complete additional business coursework toward the 62.0 credits required for a BBA degree.&nbsp; No BBA core (fixed or floating) course other than those listed in this section may be waived.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><a name=\"2014Additional\"><\/a>ADDITIONAL DEGREE REQUIREMENTS<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ECON 102:&nbsp;ECON 102 must be completed (and the grade posted ot the student&#8217;s transcript) prior to the start of Junior Fall term and the Ross Integrative Semester (RIS) core.&nbsp; ECON 102 must be taken on a graded basis if completing the course at UM-Ann Arbor.&nbsp; Transfer courses that are equivalents based on the Office of Undergraduate Admissions transfer guide (<a href=\"http:\/\/www.ugadmiss.umich.edu\/TCE\/Public\/CT_TCESearch.aspx\">http:\/\/www.ugadmiss.umich.edu\/TCE\/Public\/CT_TCESearch.aspx<\/a>) will be accepted.\u200b&nbsp;&nbsp;<\/li>\n\n\n\n<li>BBA Distribution&nbsp;Requirements: Ross distribution is similar to the College of Literature, Science, and the Arts (LSA), with exceptions noted below.&nbsp;Students should refer to the LSA Course Guide (<a href=\"https:\/\/lsa.umich.edu\/cg\/\">https:\/\/lsa.umich.edu\/cg\/<\/a>) to see if a course meets the requirements for a distribution area.&nbsp; Courses may have one of the following designations:\n<ul class=\"wp-block-list\">\n<li>Foreign Language (Lang Req)&nbsp;\u200b<\/li>\n\n\n\n<li>Humanities (HU)&nbsp;<\/li>\n\n\n\n<li>Natural Science (NS)<\/li>\n\n\n\n<li>Mathematical and Symbolic Analysis (MSA)&nbsp;<\/li>\n\n\n\n<li>Social Science (SS)&nbsp;\u200b<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>Classes without one of the above designations may not be used toward an area distribution plan.&nbsp;&nbsp;Ross students must complete&nbsp;three&nbsp;of the following four requirements:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td>\n<p>Foreign Language (fourth-term proficiency in a language other than English: Fourth-term proficiency in a foreign language is determined by successful completion of a proficiency examination administered by UM or by completion of a fourth-term college-level foreign language course. The language requirement cannot be satisfied by out-of-residence credit which is elected after the student has begun degree enrollment at the University of Michigan unless the appropriate language department has approved that plan in advance. AP, IB, A-level, and transfer coursework that meets fourth-term proficiency, as determined by the appropriate language department, fulfills this requirement. The final course in an elementary language sequence used to satisfy the language requirement must be elected on a graded basis.<\/p>\n<\/td><td>\n<p>0-20.0 credits<\/p>\n<\/td><\/tr><tr><td>\n<p>Humanities (HU)*<br>*Fourth term of a second foreign language may be used for HU credits (e.g., if an English-speaking student met Foreign Language requirement with Spanish and then took French classes through FR 232, FR 232 may count toward HU).&nbsp; The course must cover at least 4 credits of fourth-term material and be recognized as a course that fulfills the fourth-term foreign language proficiency to be accepted as HU.<\/p>\n<\/td><td>\n<p>9.0 credits<\/p>\n<\/td><\/tr><tr><td>\n<p>Natural Sciences (NS) and\/or Mathematical and Symbolic Analysis (MSA)&nbsp;<\/p>\n<\/td><td>\n<p>9.0 credits<\/p>\n<\/td><\/tr><tr><td>\n<p>Social Sciences (SS)&nbsp;(excludes ECON 101 &amp; 102)<\/p>\n<\/td><td>\n<p>9.0 credits<\/p>\n<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The Inclusive Leaders Pathway is a degree requirement that is designed to introduce Ross students to the concepts of diversity, equity, inclusion, and belonging in the contexts of their business education and roles as future business leaders.&nbsp; Students must complete all four&nbsp;components of the milestone requirement to receive the BBA degree. For more information, you can talk with your academic advisor, or reach out to&nbsp;<a href=\"mailto:bbamilestone@umich.edu\" target=\"_blank\" rel=\"noreferrer noopener\">BBAmilestone@umich.edu<\/a>.<\/li>\n\n\n\n<li>Business Elective Credits: Students must complete enough business elective courses so that their fixed core, floating core, capstone, and business electives total 61.0 credits or more.&nbsp; Business elective courses cross-listed with other schools will count only as business credit.&nbsp; Students who complete business courses offered specifically for non-business students (e.g., BA 201, ES 212, FIN 275, MKT 302, etc.) prior to entering the BBA program will NOT earn credit for those courses toward their 61.0 business credit requirement nor toward their 54.0 non-business requirement.&nbsp; The course(s) will count toward a student&#8217;s 120.0 total degree credit requirement and their cumulative GPA.&nbsp;&nbsp;<\/li>\n\n\n\n<li>Ross Capstone Course Requirement:&nbsp;Students must elect one required Ross capstone course in the Winter term of their Senior or final year in the BBA program.&nbsp; Capstone courses make connections between academic learning and the professional world; they include topics that address complex concepts, require diverse skills and perspectives, and are relevant to future professional endeavors.&nbsp; Some capstone courses also include an Action-Based Learning (or ABL) component, allowing students to have a direct customer\/stakeholder interaction and a deliverable that integrates learning and analysis and applies it to a real-world situation.&nbsp; Students can discuss their course selection and planning for a capstone course with their academic advisor.&nbsp; See the <a href=\"\/academics\/bbacapstone\">BBA capstone requirement website<\/a> for current course offerings.&nbsp; All fixed core and floating core business coursework must be completed prior to taking a capstone course, with the exception of BA 400 which is to be taken during the Winter term of Senior year, as well.<a id=\"2017\" name=\"2017\"><\/a><\/li>\n<\/ul>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id424_b82776-76 kt-accordion-has-2-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basic kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"none\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane424_e191b0-4a\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">BBA Curriculum for Students Admitted as First Year BBAs and Preferred Admits in Fall 2021 or Sophomore Admits in Fall 2022<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<div class=\"wp-block-kadence-accordion alignnone\"><div class=\"kt-accordion-wrap kt-accordion-id424_4dc11b-e0 kt-accordion-has-2-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-arrow kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"none\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane424_eabc4d-bf\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">First Year BBAs and Preferred Admission Students in Fall 2021<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<h3 class=\"wp-block-heading\">CREDITS ACCEPTED FOR TRANSFER TO THE BBA PROGRAM<\/h3>\n\n\n\n<p>For students who matriculate into&nbsp;Ross as BBA First Years: the BBA program will apply&nbsp;a maximum of 30.0 transferable&nbsp;credits earned prior to the start of the BBA program toward the 120.0 credits required for the BBA degree, even if a student has earned more than this.&nbsp;Individual courses may be applied to general degree requirements, such as distribution and the 54.0 non-business credit requirement beyond this 30.0 credit hour cap.<\/p>\n\n\n\n<p>For PA students who matriculate into Ross at the start of Sophomore year: the BBA program will apply a maximum of 45.0 transferable credits earned prior to the start of the BBA program toward the 120.0 credits required for the BBA degree, even if you have earned more than this.&nbsp; Individual courses may be applied to general degree requirements, such as distribution and the 54.0 non-business credit requirement beyond this 45.0 credit hour cap.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">BBA CORE COURSES AND SCHEDULE<\/h3>\n\n\n\n<p>The BBA degree requires a minimum of 120.0 credits. 58.0 of these credits must be business credits, and 54.0 of the 120.0 total credits must be non-business credits (including credits used to meet distribution requirements). The remaining 8.0 credits may be either business or non-business coursework.<\/p>\n\n\n\n<p>First Year BBA and PA students: The BBA program is organized to include 42.0 credits of required core (fixed and floating) courses, 31.5 credits of which must be taken in the prescribed (fixed) order.&nbsp; All BBA students complete those fixed core courses in an assigned cohort (or section) of students and may not drop or complete required fixed core courses out of sequence.&nbsp;10.5 credits of core coursework is designated as \u201cfloating core.\u201d Students may elect to complete the floating core coursework in any sequence between the Winter term of Sophomore year and the Fall term of Senior year.&nbsp;A required <a href=\"\/academics\/bbacapstone\">capstone course<\/a> (credits vary) must also be completed in the Winter term of Senior year.<\/p>\n\n\n\n<p>Students who complete courses offered specifically for non-business students (typically catalog number 302), prior to entering the BBA program will NOT earn credit for those courses toward&nbsp;the BBA degree.<\/p>\n\n\n\n<p><a href=\"http:\/\/www.bus.umich.edu\/Courses\/default.aspx\">Please click here to browse course descriptions<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>FIRST-YEAR<\/strong><\/h4>\n\n\n<div class=\"kb-row-layout-wrap kb-row-layout-id424_b2f6d1-d2 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n\n<div class=\"wp-block-kadence-column kadence-column424_166032-69 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th><strong>Fall term courses<\/strong><\/th><th><strong>Credits<\/strong><\/th><\/tr><\/thead><tbody><tr><td>BA 100: Introduction to Ross: Foundations in Learning Business*<\/td><td>0.5 (if taken in Fall 2018 or earlier)<br><br>1.0 (if taken in Fall 2019 or later)<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-column kadence-column424_3331dc-76 inner-column-2\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th><strong>Winter term courses<\/strong><\/th><th><strong>Credits<\/strong><\/th><\/tr><\/thead><tbody><tr><td>BA 100: Introduction to Ross: Foundations in Learning Business*<\/td><td>0.5 (if taken in Winter&nbsp;2019&nbsp;or earlier)<br><br>1.0 (if taken in Winter&nbsp;2020&nbsp;or later)<\/td><\/tr><tr><td>BCOM 250: Introduction to Business Communication**<\/td><td>1.5<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h5 class=\"wp-block-heading\">Fall or Winter term courses<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>First Year courses: Calculus, FYWR, ECON 101<\/li>\n\n\n\n<li>Non-business coursework (to meet distribution and\/or 54.0 required non-business credits)\u200b<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>SOPHOMORE YEAR<\/strong><\/h4>\n\n\n<div class=\"kb-row-layout-wrap kb-row-layout-id424_1d2ac8-7b alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n\n<div class=\"wp-block-kadence-column kadence-column424_56d1df-f4 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th><strong>Fall term courses<\/strong><\/th><th><strong>Credits<\/strong><\/th><\/tr><\/thead><tbody><tr><td>ACC 300: Financial Accounting<\/td><td>3.0<\/td><\/tr><tr><td>BA 200: Businesses &amp; Leaders: The Positive Differences<\/td><td>3.0<\/td><\/tr><tr><td>TO 301: Business Analytics and Statistics<\/td><td>4.0<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-column kadence-column424_780b90-eb inner-column-2\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th><strong>Winter term courses<\/strong><\/th><th><strong>Credits<\/strong><\/th><\/tr><\/thead><tbody><tr><td>ACC 301: Managerial Accounting<\/td><td>3.0<\/td><\/tr><tr><td>STRATEGY 290: Business Strategy<\/td><td>1.5<\/td><\/tr><tr><td>Optional: floating core course(s)<\/td><td>varies<\/td><\/tr><tr><td>Optional approved business elective(s)<\/td><td>varies<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h5 class=\"wp-block-heading\">Fall or Winter term courses and additional requirements<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ECON 102: Principles of Economics II (Macroeconomics)\n<ul class=\"wp-block-list\">\n<li>ECON 102 must be completed (and grade posted to a student&#8217;s transcript) by the start of Junior Fall term.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Non-business coursework (to count toward distribution and\/or 54.0 required non-business credits)<\/li>\n\n\n\n<li>Complete &#8220;Identity&#8221; milestone toward Identity and Diversity in Organizations (IDO) milestone requirements<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>JUNIOR YEAR<\/strong><\/h4>\n\n\n<div class=\"kb-row-layout-wrap kb-row-layout-id424_8db10e-9c alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n\n<div class=\"wp-block-kadence-column kadence-column424_f362d3-ce inner-column-1\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Fall term courses &#8211; Ross Integrative Semester<\/th><th>Credits<\/th><\/tr><\/thead><tbody><tr><td>BCOM 350: Professional Communication Strategies<\/td><td>1.5<\/td><\/tr><tr><td>BL 300: Business Law and Ethics<\/td><td>3.0<\/td><\/tr><tr><td>MO 300: Behavioral Theory in Management<\/td><td>3.0<\/td><\/tr><tr><td>TO 313: Operations Management<\/td><td>3.0<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-column kadence-column424_50d5c2-e6 inner-column-2\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Winter term courses<\/th><\/tr><\/thead><tbody><tr><td>UM-Ann Arbor coursework to meet degree requirements, or International Semester Exchange<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h5 class=\"wp-block-heading\">Fall or&nbsp;Winter term courses and additional requirements<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Non-business coursework (to count toward distribution and\/or 54.0 required non-business credits)<\/li>\n\n\n\n<li>Complete &#8220;Diversity&#8221;&nbsp;milestone toward Identity and Diversity in Organizations (IDO) milestone requirements<\/li>\n\n\n\n<li>Business electives and floating core course(s)<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>SENIOR YEAR<\/strong><\/h4>\n\n\n<div class=\"kb-row-layout-wrap kb-row-layout-id424_78698b-04 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n\n<div class=\"wp-block-kadence-column kadence-column424_22d4d8-79 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Fall term courses<\/th><th>Credits<\/th><\/tr><\/thead><tbody><tr><td>STRATEGY 390: Corporate Strategy<\/td><td>3.0<\/td><\/tr><tr><td>All remaining floating core course(s)<\/td><td>varies<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-column kadence-column424_e38292-78 inner-column-2\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Winter term courses<\/th><th>Credits<\/th><\/tr><\/thead><tbody><tr><td><a href=\"https:\/\/rossweb.bus.umich.edu\/academics\/bbacapstone\/\" title=\"BBA Capstone Requirement\">Senior capstone course<\/a><\/td><td>varies<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h5 class=\"wp-block-heading\">Fall or&nbsp;Winter term courses and additional requirements<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Non-business coursework (to count toward distribution and\/or 54.0 required non-business credits)<\/li>\n\n\n\n<li>Complete &#8220;Organizations&#8221; milestone toward Identity and Diversity in Organizations (IDO) milestone requirements<\/li>\n\n\n\n<li>Business electives<\/li>\n<\/ul>\n\n\n\n<p><strong>FLOATING CORE COURSES:&nbsp;<\/strong>must be completed Winter term of Sophomore year through Fall term of Senior year<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td>BE 300: Applied Economics<\/td><td>3.0<\/td><\/tr><tr><td>FIN 300: Financial Management<\/td><td>3.0<\/td><\/tr><tr><td>MKT 300: Marketing Management<\/td><td>3.0<\/td><\/tr><tr><td>TO 300: Business Information Systems<\/td><td>1.5<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Waiving Core Business Courses<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>BE 300:<\/strong> Effective Fall 2018, if a student has successfully completed ECON 401 at UM-Ann Arbor with a final grade of A- or higher, they can request to waive the BE 300 floating core requirement.&nbsp; To make such a request, the student must complete and submit a <a href=\"https:\/\/docs.google.com\/forms\/d\/e\/1FAIpQLSdBdZcX2Rhk7OU3iDnz3ixxKlgcrlT2BAPLDYwivakLLdzL5A\/viewform?pli=1\">BBA Waiver Request form<\/a> by the end of Winter term of their Junior year in the BBA program.&nbsp; Please note: a waiver signifies the student has met competency in the material and does not grant credit.&nbsp; Therefore, a student who waives BE 300 would need to complete additional business coursework toward the 62.0 credits required for a BBA degree.&nbsp; No BBA core (fixed or floating) course other than those listed in this section may be waived.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><a name=\"2014Additional\"><\/a>ADDITIONAL DEGREE REQUIREMENTS<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ECON 102:&nbsp;ECON 102 must be completed (and the grade posted ot the student&#8217;s transcript) prior to the start of Junior Fall term and the Ross Integrative Semester (RIS) core.&nbsp; ECON 102 must be taken on a graded basis if completing the course at UM-Ann Arbor.&nbsp; Transfer courses that are equivalents based on the Office of Undergraduate Admissions transfer guide (<a href=\"http:\/\/www.ugadmiss.umich.edu\/TCE\/Public\/CT_TCESearch.aspx\">http:\/\/www.ugadmiss.umich.edu\/TCE\/Public\/CT_TCESearch.aspx<\/a>) will be accepted.\u200b&nbsp;&nbsp;<\/li>\n\n\n\n<li>BBA Distribution&nbsp;Requirements: Ross distribution is similar to the College of Literature, Science, and the Arts (LSA), with exceptions noted below.&nbsp;Students should refer to the LSA Course Guide (<a href=\"https:\/\/lsa.umich.edu\/cg\/\">https:\/\/lsa.umich.edu\/cg\/<\/a>) to see if a course meets the requirements for a distribution area.&nbsp; Courses may have one of the following designations:\n<ul class=\"wp-block-list\">\n<li>Foreign Language (Lang Req)&nbsp;\u200b<\/li>\n\n\n\n<li>Humanities (HU)&nbsp;<\/li>\n\n\n\n<li>Natural Science (NS)<\/li>\n\n\n\n<li>Mathematical and Symbolic Analysis (MSA)&nbsp;<\/li>\n\n\n\n<li>Social Science (SS)&nbsp;\u200b<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>Classes without one of the above designations may not be used toward an area distribution plan.&nbsp;&nbsp;Ross students must complete&nbsp;three&nbsp;of the following four requirements:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td>\n<p>Foreign Language (fourth-term proficiency in a language other than English: Fourth-term proficiency in a foreign language is determined by successful completion of a proficiency examination administered by UM or by completion of a fourth-term college-level foreign language course. The language requirement cannot be satisfied by out-of-residence credit which is elected after the student has begun degree enrollment at the University of Michigan unless the appropriate language department has approved that plan in advance. AP, IB, A-level, and transfer coursework that meets fourth-term proficiency, as determined by the appropriate language department, fulfills this requirement. The final course in an elementary language sequence used to satisfy the language requirement must be elected on a graded basis.<\/p>\n<\/td><td>\n<p>0-20.0 credits<\/p>\n<\/td><\/tr><tr><td>\n<p>Humanities (HU)*<br>*Fourth term of a second foreign language may be used for HU credits (e.g., if an English-speaking student met Foreign Language requirement with Spanish and then took French classes through FR 232, FR 232 may count toward HU).&nbsp; The course must cover at least 4 credits of fourth-term material and be recognized as a course that fulfills the fourth-term foreign language proficiency to be accepted as HU.<\/p>\n<\/td><td>\n<p>9.0 credits<\/p>\n<\/td><\/tr><tr><td>\n<p>Natural Sciences (NS) and\/or Mathematical and Symbolic Analysis (MSA)&nbsp;<\/p>\n<\/td><td>\n<p>9.0 credits<\/p>\n<\/td><\/tr><tr><td>\n<p>Social Sciences (SS)&nbsp;(excludes ECON 101 &amp; 102)<\/p>\n<\/td><td>\n<p>9.0 credits<\/p>\n<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>IDO: Identity and Diversity in Organizations (2015 admits and beyond):&nbsp;This requirement has instructional and assessment components.&nbsp; For the&nbsp;instructional component, each student must attend and write corresponding reflection papers for IDO-certified experiences.&nbsp; The first experience must address identity and is due by the end of the student&#8217;s Sophomore year in the BBA program.&nbsp;&nbsp;The second experience must address diversity and is due by the end of the student&#8217;s Junior year in the BBA program.&nbsp; The third experience and all of its components (i.e., attending a session, submitting the reflection paper, and having the reflection paper approved) must address organizations and be completed by March 1 of the student&#8217;s Senior year.&nbsp; Each experience must be completed in order &#8211; Identity before Diversity, and Diversity before Organizations.&nbsp; Students who fail to complete the IDO milestone segment during the required academic year will be placed on Academic Probation.&nbsp; Students must have all parts of IDO complete in order to receive the BBA degree.&nbsp; Each IDO experience will highlight one of the following topics:\n<ul class=\"wp-block-list\">\n<li>Identity:&nbsp;This multifaceted concept includes a person or group&#8217;s conception and expression of who they are and how society describes and affects them.&nbsp; Understanding intersectionality, individuality, saliency, and self-awareness are key features of this topic.&nbsp;<\/li>\n\n\n\n<li>Diversity:&nbsp;A compilation of various identities that, together, contribute to the unique makeup of individuals and groups.&nbsp; In business, recognizing and promoting diversity allows organizations to better-serve their clients\/customers, employees, and other stakeholders.<\/li>\n\n\n\n<li>Organizations:&nbsp;Units composed of individuals who share common goals.&nbsp; These IDO programs will address how identity and diversity affect organizational performance and how firms leverage them for success.&nbsp;<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>In order to gain access to the follow-up writing assignment, students must attend the IDO experience in full (i.e., students will not be allowed to arrive late or leave early).&nbsp; The corresponding reflection paper must address the points presented in the <a href=\"\/academics\/identity-and-diversity-organizations-ido\">IDO Reflection Paper Guidelines<\/a> and will be due no later than two weeks after the start date and time of the IDO experience attended.&nbsp; Reflection papers will be reviewed by a Ross trained evaluator.&nbsp; By following a standard rubric, these evaluators have the authority to approve or not approve the completion of this milestone requirement.&nbsp; If a student&#8217;s paper is not satisfactory, they will be notified of specific follow-up steps they need to complete in order to satisfy this requirement.&nbsp; A student&#8217;s &#8220;I&#8221; milestone will be marked as complete on their transcript when that student has completed the first CQ Assessment, described below, in addition to attending an &#8220;I&#8221; experience and having that &#8220;I&#8221; experience&#8217;s reflection paper submitted and approved.&nbsp; After a student has completed the &#8220;D&#8221; experience and had the corresponding reflection paper approved, that milestone will be marked as complete on the student&#8217;s transcript.&nbsp; A student&#8217;s &#8220;O&#8221; milestone will be marked as complete on their transcript when that student has completed the second CQ Assessment, described below, in addition to attending an &#8220;O&#8221; experience and having that &#8220;O&#8221; experience&#8217;s reflection paper submitted and approved.&nbsp;For more information, see the <a href=\"\/academics\/identity-and-diversity-organizations-ido\">IDO webpage<\/a>.<\/p>\n\n\n\n<p>The&nbsp;assessment component&nbsp;of the IDO milestone requirement has students completing a Cultural Intelligence (CQ) Assessment during the summer before Sophomore year.&nbsp; Students will then be required to complete a second CQ Assessment upon completion of the Organizations milestone, as described above, or when instructed by the Office of Undergraduate Programs in the event of 5-year and off-cycle students.&nbsp; Please note that the CQ Assessment taken through the BBA program is separate from the CQ Assessment that students may complete through Global Initiatives&#8217; programs.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u200b\u200bBusiness Elective Credits: Students must complete enough business elective courses so that their fixed core, floating core, capstone, and business electives total 58.0 credits or more.&nbsp; Business elective courses cross-listed with other schools will count only as business credit.&nbsp; Students who complete business courses offered specifically for non-business students (e.g., BA 201, ES 212, FIN 275, MKT 302, etc.) prior to entering the BBA program will NOT earn credit for those courses toward their 58.0 business credit requirement nor toward their 54.0 non-business requirement.&nbsp; The course(s) will count toward a student&#8217;s 120.0 total degree credit requirement and their cumulative GPA.&nbsp;&nbsp;<\/li>\n\n\n\n<li>Ross Capstone Course Requirement:&nbsp;Students must elect one required Ross capstone course in the Winter term of their Senior or final year in the BBA program.&nbsp; Capstone courses make connections between academic learning and the professional world; they include topics that address complex concepts, require diverse skills and perspectives, and are relevant to future professional endeavors.&nbsp; Some capstone courses also include an Action-Based Learning (or ABL) component, allowing students to have a direct customer\/stakeholder interaction and a deliverable that integrates learning and analysis and applies it to a real-world situation.&nbsp; Students can discuss their course selection and planning for a capstone course with their academic advisor.&nbsp; See the <a href=\"\/academics\/bbacapstone\">BBA capstone requirement website<\/a> for current course offerings.&nbsp; All fixed core and floating core business coursework must be completed prior to taking a capstone course.<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-2 kt-pane424_d088fc-99\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Sophomore Admits in Fall 2022<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\">\n<h3 class=\"wp-block-heading\">PREREQUISITES FOR ADMISSION AND CREDITS ACCEPTED FOR TRANSFER TO THE BBA PROGRAM<\/h3>\n\n\n\n<p>In preparation for admission to Ross, students must have a minimum of 27.0 transferable credit hours, including a C or better in the following prerequisites: 1) any course in Calculus I, II, or III [includes AP credit for MATH 120 or 121 or IB, A-level or transfer credit for an exact UM course equivalent (not departmental credit, e.g., MATH&nbsp;101X)], 2) Economics 101 [includes IB, A-level, or transfer credit for the exact UM course equivalent (not departmental credit, e.g., ECON&nbsp;101X)], and 3) any course approved as First Year Writing in LSA&nbsp;[includes transfer credit for any course approved as First Year Writing at UM (not departmental credit, e.g., ENGLISH&nbsp;101X or ENGCMPTC 101X)]. See&nbsp;<a href=\"http:\/\/www.bus.umich.edu\/Admissions\/UndergraduatePrograms\/\">Ross Admissions<\/a>&nbsp;for more details regarding prerequisites.<\/p>\n\n\n\n<p>The BBA program will transfer in a maximum of&nbsp;45.0 transferable credits&nbsp;earned prior to start of BBA program, although a student may have earned more than this. Review our&nbsp;<a href=\"\/academics\/transfer-credit-hours\">Transfer Credit<\/a>&nbsp;page for details on what courses are accepted by Ross.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">BBA CORE COURSES AND SCHEDULE<\/h3>\n\n\n\n<p>The BBA degree requires a minimum of 120.0 credits. 58.0 of these credits must be business credits, and 54.0 of the 120.0 total credits must be non-business credits (including credits used to meet distribution requirements). The remaining 8.0 credits may be either business or non-business coursework.<\/p>\n\n\n\n<p>The BBA program is organized to include 40.0 credits of required core (fixed and floating) courses, 29.5 credits of which must be taken in the prescribed (fixed) order. Students complete those fixed core courses in an assigned cohort (or section) of students and may not drop or complete required fixed core courses out of sequence.<\/p>\n\n\n\n<p>10.5 credits of core coursework is designated as \u201cfloating core.\u201d Students may elect to complete the floating core coursework in any sequence between the Winter term of Sophomore year and the Fall term of Senior year.<\/p>\n\n\n\n<p>A required <a href=\"\/academics\/bbacapstone\">capstone course<\/a> (credits vary) must also be completed in the Winter term of Senior year.<\/p>\n\n\n\n<p>If a BBA core course (e.g., ACC 300) was completed at the Ross School of Business prior to entering the BBA program and a minimum course grade of C&nbsp;was earned, those credits will transfer into the Ross program requirements and the course may not be repeated for additional credit toward the BBA degree. Students who complete courses offered specifically for non-business students (typically catalog number 302), prior to entering the BBA program will NOT earn credit for those courses toward&nbsp;the BBA degree.<\/p>\n\n\n\n<p><a href=\"http:\/\/www.bus.umich.edu\/Courses\/default.aspx\">Please click here to browse course descriptions<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>SOPHOMORE YEAR<\/strong><\/h4>\n\n\n<div class=\"kb-row-layout-wrap kb-row-layout-id424_890a36-7e alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n\n<div class=\"wp-block-kadence-column kadence-column424_921185-37 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Fall term courses<\/th><th>Credits<\/th><\/tr><\/thead><tbody><tr><td>ACC 300: Financial Accounting<\/td><td>3.0<\/td><\/tr><tr><td>BA 200: Businesses &amp; Leaders: The Positive Differences<\/td><td>3.0<\/td><\/tr><tr><td>TO 301: Business Analytics and Statistics<\/td><td>4.0<\/td><\/tr><tr><td>BA 102: Introduction to Ross: Foundations of Learning Business<\/td><td>0.5 (FA17-19<br>1.0 (FA20 and beyond)<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-column kadence-column424_a1c182-b0 inner-column-2\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Winter term courses<\/th><th>Credits<\/th><\/tr><\/thead><tbody><tr><td>ACC 301: Managerial Accounting<\/td><td>3.0<\/td><\/tr><tr><td>BCOM 250: Introduction to Business Communication<br>(formerly LHC&nbsp;250)<\/td><td>1.5<\/td><\/tr><tr><td>STRATEGY 290: Business Strategy<\/td><td>1.5<\/td><\/tr><tr><td>Optional: floating core course(s)<\/td><td>varies<\/td><\/tr><tr><td>Optional: approved business elective(s)<\/td><td>varies<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h5 class=\"wp-block-heading\">Fall or Winter term courses and additional requirements<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>BA 102: Business Foundations&nbsp;is a required course for students who enter the BBA program at the start of Fall term Sophomore year (FA17 and beyond).&nbsp; This course will begin prior to the start of classes and there will also be two additional meetings during the Fall term to complete this requirement.<\/li>\n\n\n\n<li>ECON 102: Principles of Economics II (Macroeconomics) must be completed before the start of Junior Fall term.<\/li>\n\n\n\n<li>Non-business coursework (to count toward distribution and\/or 54.0 required non-business credits)<\/li>\n\n\n\n<li>Complete &#8220;Identity&#8221; milestone toward&nbsp;Identity and Diversity in Organizations (IDO) milestone requirements<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>JUNIOR YEAR<\/strong><\/h4>\n\n\n<div class=\"kb-row-layout-wrap kb-row-layout-id424_e2c330-97 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n\n<div class=\"wp-block-kadence-column kadence-column424_16a7c2-3e inner-column-1\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Fall term courses &#8211; Ross Integrative Semester<\/th><th>Credits<\/th><\/tr><\/thead><tbody><tr><td>BCOM 350: Professional Communication Strategies<\/td><td>1.5<\/td><\/tr><tr><td>BL 300: Business Law and Ethics<\/td><td>3.0<\/td><\/tr><tr><td>MO 300: Behavioral Theory in Management<\/td><td>3.0<\/td><\/tr><tr><td>TO 313: Operations Management<\/td><td>3.0<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-column kadence-column424_744651-a3 inner-column-2\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Winter term courses<\/th><th>Credits<\/th><\/tr><\/thead><tbody><tr><td>UM-Ann Arbor coursework to meet degree requirements, or International Semester Exchange<\/td><td><\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h5 class=\"wp-block-heading\">Fall or Winter term courses and additional requirements<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Non-business coursework (to count toward distribution and\/or 54.0 required non-business credits)<\/li>\n\n\n\n<li>Complete &#8220;Diversity&#8221; milestone toward Identity and Diversity in Organizations (IDO) milestone requirements<\/li>\n\n\n\n<li>Business electives and floating core course(s)<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>SENIOR YEAR<\/strong><\/h4>\n\n\n<div class=\"kb-row-layout-wrap kb-row-layout-id424_509d3d-6b alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n\n<div class=\"wp-block-kadence-column kadence-column424_7b2bd6-eb inner-column-1\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Fall term courses<\/th><th><\/th><\/tr><\/thead><tbody><tr><td>STRATEGY 390: Corporate Strategy<\/td><td>3.0<\/td><\/tr><tr><td>All remaining floating core course(s)<\/td><td>varies<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-column kadence-column424_37ec97-ba inner-column-2\"><div class=\"kt-inside-inner-col\">\n<figure class=\"wp-block-table is-style-regular\"><table><thead><tr><th>Winter term courses<\/th><th>Credits<\/th><\/tr><\/thead><tbody><tr><td><a href=\"https:\/\/rossweb.bus.umich.edu\/academics\/bbacapstone\/\" title=\"BBA Capstone Requirement\">Senior capstone course<\/a><\/td><td>varies<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h5 class=\"wp-block-heading\">Fall or&nbsp;Winter term courses and additional requirements<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Non-business coursework (to count toward distribution and\/or 54.0 required non-business credits)<\/li>\n\n\n\n<li>Complete &#8220;Organizations&#8221; milestone&nbsp;toward Identity and Diversity in Organizations (IDO) milestone requirements<\/li>\n\n\n\n<li>Business electives<\/li>\n<\/ul>\n\n\n\n<p><strong>FLOATING CORE COURSES:<\/strong>&nbsp;must be completed Winter term of Sophomore year through Fall term of Senior year<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td>\n<p>BE 300: Applied Economics<\/p>\n<\/td><td>\n<p>3.0<\/p>\n<\/td><\/tr><tr><td>\n<p>FIN 300: Financial Management<\/p>\n<\/td><td>\n<p>3.0<\/p>\n<\/td><\/tr><tr><td>\n<p>MKT 300: Marketing Management<\/p>\n<\/td><td>\n<p>3.0<\/p>\n<\/td><\/tr><tr><td>\n<p>TO 300: Business Information Systems<\/p>\n<\/td><td>\n<p>1.5<\/p>\n<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><a name=\"2014Additional\"><\/a>ADDITIONAL DEGREE REQUIREMENTS<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Effective Fall 2018, if a student has successfully completed ECON 401 at UM-Ann Arbor with a final grade of A- or higher, they can request to waive the BE 300 floating core requirement.&nbsp; To make such a request, the student must complete and submit a <a href=\"https:\/\/docs.google.com\/forms\/d\/e\/1FAIpQLSdBdZcX2Rhk7OU3iDnz3ixxKlgcrlT2BAPLDYwivakLLdzL5A\/viewform?pli=1\">BBA Waiver Request form<\/a> by the end of Winter term of their Junior year in the BBA program.&nbsp; Please note: a waiver signifies the student has met competency in the material and does not grant credit.&nbsp; Therefore, a student who waives BE 300 would need to complete additional business coursework toward the 62.0 credits required for a BBA degree.&nbsp; No BBA core (fixed or floating) course other than those listed in this section may be waived.<\/li>\n\n\n\n<li>BBA Distribution&nbsp;Requirements: Ross distribution is similar to the College of Literature, Science, and the Arts (LSA), with exceptions noted below.&nbsp;Students should refer to the LSA Course Guide (<a href=\"https:\/\/lsa.umich.edu\/cg\/\">https:\/\/lsa.umich.edu\/cg\/<\/a>) to see if a course meets the requirements for a distribution area.&nbsp; Courses may have one of the following designations:\n<ul class=\"wp-block-list\">\n<li>Foreign Language (Lang Req)&nbsp;\u200b<\/li>\n\n\n\n<li>Humanities (HU)&nbsp;<\/li>\n\n\n\n<li>Natural Science (NS)<\/li>\n\n\n\n<li>Mathematical and Symbolic Analysis (MSA)&nbsp;<\/li>\n\n\n\n<li>Social Science (SS)&nbsp;\u200b<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>Classes without one of the above designations may not be used toward an area distribution plan.&nbsp;&nbsp;Ross students must complete&nbsp;three&nbsp;of the following four requirements:&nbsp;\u200b\u200b\u200b<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-regular\"><table><tbody><tr><td>\n<p>Foreign Language (fourth-term proficiency in a language other than English: Fourth-term proficiency in a foreign language is determined by successful completion of a proficiency examination administered by UM or by completion of a fourth-term college-level foreign language course. The language requirement cannot be satisfied by out-of-residence credit which is elected after the student has begun degree enrollment at the University of Michigan unless the appropriate language department has approved that plan in advance. AP, IB, A-level, and transfer coursework that meets fourth-term proficiency, as determined by the appropriate language department, fulfills this requirement. The final course in an elementary language sequence used to satisfy the language requirement must be elected on a graded basis.<\/p>\n<\/td><td>\n<p>0-20.0 credits<\/p>\n<\/td><\/tr><tr><td>\n<p>Humanities (HU)*<br>*Fourth term of a second foreign language may be used for HU credits (e.g., if an English-speaking student met Foreign Language requirement with Spanish and then took French classes through FR 232, FR 232 may count toward HU).&nbsp; The course must cover at least 4 credits of fourth-term material and be recognized as a course that fulfills the fourth-term foreign language proficiency to be accepted as HU.<\/p>\n<\/td><td>\n<p>9.0 credits<\/p>\n<\/td><\/tr><tr><td>\n<p>Natural Sciences (NS) and\/or Mathematical and Symbolic Analysis (MSA)&nbsp;<\/p>\n<\/td><td>\n<p>9.0 credits<\/p>\n<\/td><\/tr><tr><td>\n<p>Social Sciences (SS)&nbsp;(excludes ECON 101 &amp; 102)<\/p>\n<\/td><td>\n<p>9.0 credits<\/p>\n<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>IDO: Identity and Diversity in Organizations (2015 admits and beyond):&nbsp;<\/li>\n\n\n\n<li>This requirement has instructional and assessment components.&nbsp; For the&nbsp;instructional component, each student must attend and write corresponding reflection papers for IDO-certified experiences.&nbsp; The first experience must address identity and is due by the end of the student&#8217;s Sophomore year in the BBA program.&nbsp;&nbsp;The second experience must address diversity and is due by the end of the student&#8217;s Junior year in the BBA program.&nbsp; The third experience and all of its components (i.e., attending a session, submitting the reflection paper, and having the reflection paper approved) must address organizations and be completed by March 1 of the student&#8217;s Senior year.&nbsp; Each experience must be completed in order &#8211; Identity before Diversity, and Diversity before Organizations.&nbsp; Students who fail to complete the IDO milestone segment during the required academic year will be placed on Academic Probation.&nbsp; Students must have all parts of IDO complete in order to receive the BBA degree.&nbsp; Each IDO experience will highlight one of the following topics:\n<ul class=\"wp-block-list\">\n<li>Identity:&nbsp;This multifaceted concept includes a person or group&#8217;s conception and expression of who they are and how society describes and affects them.&nbsp; Understanding intersectionality, individuality, saliency, and self-awareness are key features of this topic.&nbsp;<\/li>\n\n\n\n<li>Diversity:&nbsp;A compilation of various identities that, together, contribute to the unique makeup of individuals and groups.&nbsp; In business, recognizing and promoting diversity allows organizations to better-serve their clients\/customers, employees, and other stakeholders.<\/li>\n\n\n\n<li>Organizations:&nbsp;Units composed of individuals who share common goals.&nbsp; These IDO programs will address how identity and diversity affect organizational performance and how firms leverage them for success.&nbsp;<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>In order to gain access to the follow-up writing assignment, students must attend the IDO experience in full (i.e., students will not be allowed to arrive late or leave early).&nbsp; The corresponding reflection paper must address the points presented in the <a href=\"\/academics\/identity-and-diversity-organizations-ido\">IDO Reflection Paper Guidelines<\/a> and will be due no later than two weeks after the start date and time of the IDO experience attended.&nbsp; Reflection papers will be reviewed by a Ross trained evaluator.&nbsp; By following a standard rubric, these evaluators have the authority to approve or not approve the completion of this milestone requirement.&nbsp; If a student&#8217;s paper is not satisfactory, they will be notified of specific follow-up steps they need to complete in order to satisfy this requirement.&nbsp; A student&#8217;s &#8220;I&#8221; milestone will be marked as complete on their transcript when that student has completed the first CQ Assessment, described below, in addition to attending an &#8220;I&#8221; experience and having that &#8220;I&#8221; experience&#8217;s reflection paper submitted and approved.&nbsp; After a student has completed the &#8220;D&#8221; experience and had the corresponding reflection paper approved, that milestone will be marked as complete on the student&#8217;s transcript.&nbsp; A student&#8217;s &#8220;O&#8221; milestone will be marked as complete on their transcript when that student has completed the second CQ Assessment, described below, in addition to attending an &#8220;O&#8221; experience and having that &#8220;O&#8221; experience&#8217;s reflection paper submitted and approved.&nbsp;For more information, see the <a href=\"\/academics\/identity-and-diversity-organizations-ido\">IDO webpage<\/a>.<\/p>\n\n\n\n<p>The&nbsp;assessment component&nbsp;of the IDO milestone requirement has students completing a Cultural Intelligence (CQ) Assessment during the summer before Sophomore year.&nbsp; Students will then be required to complete a second CQ Assessment upon completion of the Organizations milestone, as described above, or when instructed by the Office of Undergraduate Programs in the event of 5-year and off-cycle students.&nbsp; Please note that the CQ Assessment taken through the BBA program is separate from the CQ Assessment that students may complete through Global Initiatives&#8217; programs.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u200b\u200bBusiness Elective Credits: Students must complete enough business elective courses so that their fixed core, floating core, capstone, and business electives total 58 credits or more.&nbsp; Business elective courses cross-listed with other schools will count only as business credit.&nbsp; Students who complete business courses offered specifically for non-business students (e.g., BA 201, ES 212, FIN 275, MKT 302, etc.) prior to entering the BBA program will NOT earn credit for those courses toward their 58 business credit requirement nor toward their 54 non-business requirement.&nbsp; The course(s) will count toward a student&#8217;s 120 total degree credit requirement and their cumulative GPA.<\/li>\n\n\n\n<li>Ross Capstone Course Requirement:&nbsp;Students must elect one required Ross capstone course in the Winter term of their Senior or final year in the BBA program.&nbsp; Capstone courses make connections between academic learning and the professional world; they include topics that address complex concepts, require diverse skills and perspectives, and are relevant to future professional endeavors.&nbsp; Some capstone courses also include an Action-Based Learning (or ABL) component, allowing students to have a direct customer\/stakeholder interaction and a deliverable that integrates learning and analysis and applies it to a real-world situation.&nbsp; Most capstone courses are three (3) credits.&nbsp; Students can discuss their course selection and planning for a capstone course with their academic advisor.&nbsp; See the <a href=\"\/academics\/bbacapstone\">BBA capstone requirement website<\/a> for current course offerings.&nbsp; All fixed core and floating core business coursework must be completed prior to taking a capstone course.<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>For BBA Curriculum for students admitted in any year not listed above, please see the <a href=\"\/academics\/michigan-ross-student-bulletins\/#Archived-Bulletins\">Archived Bulletins<\/a> for your class year.<\/p>\n<style class=\"advgb-styles-renderer\">.kt-accordion-id424_9cace2-71 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:10px;}.kt-accordion-id424_9cace2-71 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;background:#ffffff;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id424_9cace2-71 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:0px solid #f2f2f2;border-left:0px solid #f2f2f2;border-top-left-radius:6px;border-top-right-radius:6px;border-bottom-right-radius:6px;border-bottom-left-radius:6px;background:#f2f2f2;color:#555555;padding-top:14px;padding-right:16px;padding-bottom:14px;padding-left:16px;}.kt-accordion-id424_9cace2-71:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_9cace2-71:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:#555555;}.kt-accordion-id424_9cace2-71:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#555555;}.kt-accordion-id424_9cace2-71:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_9cace2-71:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:#f2f2f2;}.kt-accordion-id424_9cace2-71 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id424_9cace2-71 .kt-blocks-accordion-header:focus-visible{color:#444444;background:#eeeeee;border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}.kt-accordion-id424_9cace2-71:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_9cace2-71:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id424_9cace2-71:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id424_9cace2-71:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id424_9cace2-71:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id424_9cace2-71:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id424_9cace2-71:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_9cace2-71:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id424_9cace2-71:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id424_9cace2-71:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#eeeeee;}.kt-accordion-id424_9cace2-71 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id424_9cace2-71 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:#ffffff;background:#BE530B;border-top-color:#BE530B;border-top-style:solid;border-right-color:#BE530B;border-right-style:solid;border-bottom-color:#BE530B;border-bottom-style:solid;border-left-color:#BE530B;border-left-style:solid;}.kt-accordion-id424_9cace2-71:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_9cace2-71:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id424_9cace2-71:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#ffffff;}.kt-accordion-id424_9cace2-71:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_9cace2-71:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#BE530B;}@media all and (max-width: 1024px){.kt-accordion-id424_9cace2-71 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}@media all and (max-width: 1024px){.kt-accordion-id424_9cace2-71 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:0px solid #f2f2f2;border-left:0px solid #f2f2f2;}}@media all and (max-width: 1024px){.kt-accordion-id424_9cace2-71 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id424_9cace2-71 .kt-blocks-accordion-header:focus-visible{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}}@media all and (max-width: 1024px){.kt-accordion-id424_9cace2-71 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id424_9cace2-71 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#BE530B;border-top-style:solid;border-right-color:#BE530B;border-right-style:solid;border-bottom-color:#BE530B;border-bottom-style:solid;border-left-color:#BE530B;border-left-style:solid;}}@media all and (max-width: 767px){.kt-accordion-id424_9cace2-71 .kt-accordion-inner-wrap{display:block;}.kt-accordion-id424_9cace2-71 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:10px;}.kt-accordion-id424_9cace2-71 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}.kt-accordion-id424_9cace2-71 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:0px solid #f2f2f2;border-left:0px solid #f2f2f2;}.kt-accordion-id424_9cace2-71 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id424_9cace2-71 .kt-blocks-accordion-header:focus-visible{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}.kt-accordion-id424_9cace2-71 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id424_9cace2-71 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#BE530B;border-top-style:solid;border-right-color:#BE530B;border-right-style:solid;border-bottom-color:#BE530B;border-bottom-style:solid;border-left-color:#BE530B;border-left-style:solid;}}.kt-accordion-id424_a5d933-ca .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:10px;}.kt-accordion-id424_a5d933-ca .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:1px solid transparent;border-bottom:1px solid transparent;border-left:1px solid transparent;background:#ffffff;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id424_a5d933-ca > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid #eeeeee;border-right:1px solid #eeeeee;border-bottom:1px solid #eeeeee;border-left:2px solid #eeeeee;border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;background:#ffffff;color:#444444;padding-top:14px;padding-right:16px;padding-bottom:14px;padding-left:16px;}.kt-accordion-id424_a5d933-ca:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_a5d933-ca:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id424_a5d933-ca:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id424_a5d933-ca:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_a5d933-ca:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id424_a5d933-ca > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id424_a5d933-ca .kt-blocks-accordion-header:focus-visible{color:#444444;background:#ffffff;border-top-color:#d4d4d4;border-top-style:solid;border-right-color:#d4d4d4;border-right-style:solid;border-bottom-color:#d4d4d4;border-bottom-style:solid;border-left-color:#d4d4d4;border-left-style:solid;}.kt-accordion-id424_a5d933-ca:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_a5d933-ca:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id424_a5d933-ca:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id424_a5d933-ca:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id424_a5d933-ca:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id424_a5d933-ca:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id424_a5d933-ca:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_a5d933-ca:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id424_a5d933-ca:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id424_a5d933-ca:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id424_a5d933-ca .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id424_a5d933-ca > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:#444444;background:#ffffff;border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#0e9cd1;border-left-style:solid;}.kt-accordion-id424_a5d933-ca:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_a5d933-ca:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id424_a5d933-ca:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id424_a5d933-ca:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_a5d933-ca:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}@media all and (max-width: 1024px){.kt-accordion-id424_a5d933-ca .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:1px solid transparent;border-bottom:1px solid transparent;border-left:1px solid transparent;}}@media all and (max-width: 1024px){.kt-accordion-id424_a5d933-ca > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid #eeeeee;border-right:1px solid #eeeeee;border-bottom:1px solid #eeeeee;border-left:2px solid #eeeeee;}}@media all and (max-width: 1024px){.kt-accordion-id424_a5d933-ca > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id424_a5d933-ca .kt-blocks-accordion-header:focus-visible{border-top-color:#d4d4d4;border-top-style:solid;border-right-color:#d4d4d4;border-right-style:solid;border-bottom-color:#d4d4d4;border-bottom-style:solid;border-left-color:#d4d4d4;border-left-style:solid;}}@media all and (max-width: 1024px){.kt-accordion-id424_a5d933-ca .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id424_a5d933-ca > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#0e9cd1;border-left-style:solid;}}@media all and (max-width: 767px){.kt-accordion-id424_a5d933-ca .kt-accordion-inner-wrap{display:block;}.kt-accordion-id424_a5d933-ca .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:10px;}.kt-accordion-id424_a5d933-ca .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:1px solid transparent;border-bottom:1px solid transparent;border-left:1px solid transparent;}.kt-accordion-id424_a5d933-ca > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid #eeeeee;border-right:1px solid #eeeeee;border-bottom:1px solid #eeeeee;border-left:2px solid #eeeeee;}.kt-accordion-id424_a5d933-ca > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id424_a5d933-ca .kt-blocks-accordion-header:focus-visible{border-top-color:#d4d4d4;border-top-style:solid;border-right-color:#d4d4d4;border-right-style:solid;border-bottom-color:#d4d4d4;border-bottom-style:solid;border-left-color:#d4d4d4;border-left-style:solid;}.kt-accordion-id424_a5d933-ca .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id424_a5d933-ca > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#0e9cd1;border-left-style:solid;}}.kb-table-container424_f227d6-84{overflow-x:auto;}.kb-table424_f227d6-84 td:nth-of-type(1), .kb-table424_f227d6-84 th:nth-of-type(1){width:90%;}.kb-table424_f227d6-84 td:nth-of-type(2), .kb-table424_f227d6-84 th:nth-of-type(2){width:10%;}.kb-table424_f227d6-84{table-layout:fixed;width:100%;}.kb-table-container .kb-table424_f227d6-84 th{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:center;}.kb-table-container .kb-table424_f227d6-84 caption{text-align:center;}.kb-table-container .kb-table424_f227d6-84 td{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:left;}.kb-table-container .kb-table424_f227d6-84 tr{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}@media all and (max-width: 1024px){.kb-table-container .kb-table424_f227d6-84 tr{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}}@media all and (max-width: 767px){.kb-table-container .kb-table424_f227d6-84 tr{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}}.kb-table-container .kb-table tr.kb-table-row424_7a0ef7-7c{background-color:rgba(43,108,176,0.3);}.kb-table-container .kb-table tr.kb-table-row424_f2639f-31{background-color:var(--global-palette9, #ffffff);}.kb-table-container  .kb-table tr.kb-table-row424_f2639f-31:hover{background-color:#fff4a3;}.kb-table-container424_514cb3-6c{overflow-x:auto;}.kb-table424_514cb3-6c td:nth-of-type(1), .kb-table424_514cb3-6c 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td:nth-of-type(1), .kb-table424_60900d-86 th:nth-of-type(1){width:90%;}.kb-table424_60900d-86 td:nth-of-type(2), .kb-table424_60900d-86 th:nth-of-type(2){width:10%;}.kb-table424_60900d-86{table-layout:fixed;width:100%;}.kb-table-container .kb-table424_60900d-86 th{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:center;}.kb-table-container .kb-table424_60900d-86 caption{text-align:center;}.kb-table-container .kb-table424_60900d-86 td{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:left;}.kb-table-container .kb-table424_60900d-86 tr{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}@media all and (max-width: 1024px){.kb-table-container .kb-table424_60900d-86 tr{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}}@media all and (max-width: 767px){.kb-table-container .kb-table424_60900d-86 tr{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}}.kb-table-container .kb-table tr.kb-table-row424_74abdc-62{background-color:rgba(43,108,176,0.3);}.kb-table-container  .kb-table tr.kb-table-row424_78fe5b-d8:hover{background-color:#fff4a3;}.kb-table-container  .kb-table tr.kb-table-row424_4cabad-1d:hover{background-color:#fff4a3;}.kb-table-container  .kb-table tr.kb-table-row424_a88d3f-84:hover{background-color:#fff4a3;}.kb-table-container  .kb-table tr.kb-table-row424_7acc92-df:hover{background-color:#fff4a3;}.kb-table-container  .kb-table tr.kb-table-row424_3f512c-5d:hover{background-color:#fff4a3;}.kb-table-container  .kb-table tr.kb-table-row424_42ac73-e4:hover{background-color:#fff4a3;}.kb-table-container424_ff5276-7f{overflow-x:auto;}.kb-table424_ff5276-7f td:nth-of-type(1), .kb-table424_ff5276-7f th:nth-of-type(1){width:90%;}.kb-table424_ff5276-7f td:nth-of-type(2), .kb-table424_ff5276-7f th:nth-of-type(2){width:10%;}.kb-table424_ff5276-7f{table-layout:fixed;width:100%;}.kb-table-container .kb-table424_ff5276-7f th{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:center;}.kb-table-container .kb-table424_ff5276-7f caption{text-align:center;}.kb-table-container .kb-table424_ff5276-7f td{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:left;}.kb-table-container .kb-table424_ff5276-7f tr{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}@media all and (max-width: 1024px){.kb-table-container .kb-table424_ff5276-7f tr{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}}@media all and (max-width: 767px){.kb-table-container .kb-table424_ff5276-7f tr{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}}.kb-table-container .kb-table tr.kb-table-row424_c6563b-1d{background-color:rgba(43,108,176,0.3);}.kb-table-container  .kb-table tr.kb-table-row424_13be23-d1:hover{background-color:#fff4a3;}.kb-table-container  .kb-table tr.kb-table-row424_0651a6-f1:hover{background-color:#fff4a3;}.kb-table-container  .kb-table tr.kb-table-row424_98a4c3-14:hover{background-color:#fff4a3;}.kb-table-container  .kb-table tr.kb-table-row424_0e46d5-1d:hover{background-color:#fff4a3;}.kb-table-container424_ebe690-e9{overflow-x:auto;}.kb-table424_ebe690-e9 td:nth-of-type(1), .kb-table424_ebe690-e9 th:nth-of-type(1){width:90%;}.kb-table424_ebe690-e9 td:nth-of-type(2), .kb-table424_ebe690-e9 th:nth-of-type(2){width:10%;}.kb-table424_ebe690-e9{table-layout:fixed;width:100%;}.kb-table-container .kb-table424_ebe690-e9 th{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:center;}.kb-table-container .kb-table424_ebe690-e9 caption{text-align:center;}.kb-table-container .kb-table424_ebe690-e9 td{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:left;}.kb-table-container .kb-table424_ebe690-e9 tr{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}@media all and (max-width: 1024px){.kb-table-container .kb-table424_ebe690-e9 tr{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid 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var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}}@media all and (max-width: 767px){.kb-table-container .kb-table424_b8f0f6-52 tr{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}}.kb-table-container .kb-table tr.kb-table-row424_a7bf49-4d{background-color:rgba(43,108,176,0.3);}.kb-table-container  .kb-table tr.kb-table-row424_be28cf-3a:hover{background-color:#fff4a3;}.kb-table-container424_c1e99a-dc{overflow-x:auto;}.kb-table424_c1e99a-dc td:nth-of-type(1), .kb-table424_c1e99a-dc th:nth-of-type(1){width:90%;}.kb-table424_c1e99a-dc td:nth-of-type(2), .kb-table424_c1e99a-dc th:nth-of-type(2){width:10%;}.kb-table424_c1e99a-dc{table-layout:fixed;width:100%;}.kb-table-container .kb-table424_c1e99a-dc th{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:center;}.kb-table-container .kb-table424_c1e99a-dc caption{text-align:center;}.kb-table-container .kb-table424_c1e99a-dc td{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:left;}.kb-table-container .kb-table424_c1e99a-dc tr{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}@media all and (max-width: 1024px){.kb-table-container .kb-table424_c1e99a-dc tr{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}}@media all and (max-width: 767px){.kb-table-container .kb-table424_c1e99a-dc tr{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}}.kb-table-container .kb-table tr.kb-table-row424_34858d-d5{background-color:rgba(43,108,176,0.3);}.kb-table-container  .kb-table tr.kb-table-row424_00571a-d5:hover{background-color:#fff4a3;}.kb-table-container  .kb-table tr.kb-table-row424_dc0a67-e7:hover{background-color:#fff4a3;}.kb-table-container424_814e42-58{overflow-x:auto;}.kb-table424_814e42-58 td:nth-of-type(1), .kb-table424_814e42-58 th:nth-of-type(1){width:90%;}.kb-table424_814e42-58 td:nth-of-type(2), .kb-table424_814e42-58 th:nth-of-type(2){width:10%;}.kb-table424_814e42-58{table-layout:fixed;width:100%;}.kb-table-container .kb-table424_814e42-58 th{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:center;}.kb-table-container .kb-table424_814e42-58 caption{text-align:center;}.kb-table-container .kb-table424_814e42-58 td{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:left;}.kb-table-container .kb-table424_814e42-58 tr{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}@media all and (max-width: 1024px){.kb-table-container .kb-table424_814e42-58 tr{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}}@media all and (max-width: 767px){.kb-table-container .kb-table424_814e42-58 tr{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}}.kb-table-container .kb-table tr.kb-table-row424_18948a-57{background-color:rgba(43,108,176,0.3);}.kb-table-container  .kb-table tr.kb-table-row424_93dc7f-83:hover{background-color:#fff4a3;}.kb-table-container424_e57339-ca{overflow-x:auto;}.kb-table424_e57339-ca td:nth-of-type(1), .kb-table424_e57339-ca th:nth-of-type(1){width:90%;}.kb-table424_e57339-ca td:nth-of-type(2), .kb-table424_e57339-ca th:nth-of-type(2){width:10%;}.kb-table424_e57339-ca{table-layout:fixed;width:100%;}.kb-table-container .kb-table424_e57339-ca th{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:center;}.kb-table-container .kb-table424_e57339-ca caption{text-align:center;}.kb-table-container .kb-table424_e57339-ca td{padding-top:var(--global-kb-spacing-xxs, 0.5rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);text-align:left;}.kb-table-container .kb-table424_e57339-ca tr{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}@media all and (max-width: 1024px){.kb-table-container .kb-table424_e57339-ca tr{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}}@media all and (max-width: 767px){.kb-table-container .kb-table424_e57339-ca tr{border-top:1px solid var(--global-palette3, #1A202C);border-right:1px solid var(--global-palette3, #1A202C);border-bottom:1px solid var(--global-palette3, #1A202C);border-left:1px solid var(--global-palette3, #1A202C);}}.kb-table-container .kb-table tr.kb-table-row424_30cd22-85{background-color:rgba(43,108,176,0.3);}.kb-table-container  .kb-table tr.kb-table-row424_c6d5a6-8b:hover{background-color:#fff4a3;}.kb-table-container  .kb-table tr.kb-table-row424_c25de0-b3:hover{background-color:#fff4a3;}.kb-table-container  .kb-table tr.kb-table-row424_c3e1eb-4a:hover{background-color:#fff4a3;}.kb-table-container  .kb-table tr.kb-table-row424_b1a6a7-7a:hover{background-color:#fff4a3;}.kt-accordion-id424_0cf4c7-d0 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:10px;}.kt-accordion-id424_0cf4c7-d0 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;background:#ffffff;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id424_0cf4c7-d0 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:0px solid #f2f2f2;border-left:0px solid #f2f2f2;border-top-left-radius:6px;border-top-right-radius:6px;border-bottom-right-radius:6px;border-bottom-left-radius:6px;background:#f2f2f2;color:#555555;padding-top:14px;padding-right:16px;padding-bottom:14px;padding-left:16px;}.kt-accordion-id424_0cf4c7-d0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_0cf4c7-d0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:#555555;}.kt-accordion-id424_0cf4c7-d0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#555555;}.kt-accordion-id424_0cf4c7-d0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_0cf4c7-d0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:#f2f2f2;}.kt-accordion-id424_0cf4c7-d0 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id424_0cf4c7-d0 .kt-blocks-accordion-header:focus-visible{color:#444444;background:#eeeeee;border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}.kt-accordion-id424_0cf4c7-d0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_0cf4c7-d0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id424_0cf4c7-d0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id424_0cf4c7-d0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id424_0cf4c7-d0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id424_0cf4c7-d0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id424_0cf4c7-d0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_0cf4c7-d0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id424_0cf4c7-d0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id424_0cf4c7-d0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#eeeeee;}.kt-accordion-id424_0cf4c7-d0 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id424_0cf4c7-d0 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:#ffffff;background:#BE530B;border-top-color:#BE530B;border-top-style:solid;border-right-color:#BE530B;border-right-style:solid;border-bottom-color:#BE530B;border-bottom-style:solid;border-left-color:#BE530B;border-left-style:solid;}.kt-accordion-id424_0cf4c7-d0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_0cf4c7-d0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id424_0cf4c7-d0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#ffffff;}.kt-accordion-id424_0cf4c7-d0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_0cf4c7-d0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#BE530B;}@media all and (max-width: 1024px){.kt-accordion-id424_0cf4c7-d0 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}@media all and (max-width: 1024px){.kt-accordion-id424_0cf4c7-d0 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:0px solid #f2f2f2;border-left:0px solid #f2f2f2;}}@media all and (max-width: 1024px){.kt-accordion-id424_0cf4c7-d0 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id424_0cf4c7-d0 .kt-blocks-accordion-header:focus-visible{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}}@media all and (max-width: 1024px){.kt-accordion-id424_0cf4c7-d0 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id424_0cf4c7-d0 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#BE530B;border-top-style:solid;border-right-color:#BE530B;border-right-style:solid;border-bottom-color:#BE530B;border-bottom-style:solid;border-left-color:#BE530B;border-left-style:solid;}}@media all and (max-width: 767px){.kt-accordion-id424_0cf4c7-d0 .kt-accordion-inner-wrap{display:block;}.kt-accordion-id424_0cf4c7-d0 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:10px;}.kt-accordion-id424_0cf4c7-d0 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}.kt-accordion-id424_0cf4c7-d0 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:0px solid #f2f2f2;border-left:0px solid #f2f2f2;}.kt-accordion-id424_0cf4c7-d0 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id424_0cf4c7-d0 .kt-blocks-accordion-header:focus-visible{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}.kt-accordion-id424_0cf4c7-d0 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id424_0cf4c7-d0 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#BE530B;border-top-style:solid;border-right-color:#BE530B;border-right-style:solid;border-bottom-color:#BE530B;border-bottom-style:solid;border-left-color:#BE530B;border-left-style:solid;}}.kt-accordion-id424_cfab79-f4 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:10px;}.kt-accordion-id424_cfab79-f4 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:1px solid transparent;border-bottom:1px solid transparent;border-left:1px solid transparent;background:#ffffff;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id424_cfab79-f4 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid #eeeeee;border-right:1px solid #eeeeee;border-bottom:1px solid #eeeeee;border-left:2px solid #eeeeee;border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;background:#ffffff;color:#444444;padding-top:14px;padding-right:16px;padding-bottom:14px;padding-left:16px;}.kt-accordion-id424_cfab79-f4:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_cfab79-f4:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id424_cfab79-f4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id424_cfab79-f4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_cfab79-f4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id424_cfab79-f4 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id424_cfab79-f4 .kt-blocks-accordion-header:focus-visible{color:#444444;background:#ffffff;border-top-color:#d4d4d4;border-top-style:solid;border-right-color:#d4d4d4;border-right-style:solid;border-bottom-color:#d4d4d4;border-bottom-style:solid;border-left-color:#d4d4d4;border-left-style:solid;}.kt-accordion-id424_cfab79-f4:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_cfab79-f4:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id424_cfab79-f4:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id424_cfab79-f4:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id424_cfab79-f4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id424_cfab79-f4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id424_cfab79-f4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_cfab79-f4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id424_cfab79-f4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id424_cfab79-f4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id424_cfab79-f4 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id424_cfab79-f4 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:#444444;background:#ffffff;border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#0e9cd1;border-left-style:solid;}.kt-accordion-id424_cfab79-f4:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_cfab79-f4:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id424_cfab79-f4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id424_cfab79-f4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_cfab79-f4:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}@media all and (max-width: 1024px){.kt-accordion-id424_cfab79-f4 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:1px solid transparent;border-bottom:1px solid transparent;border-left:1px solid transparent;}}@media all and (max-width: 1024px){.kt-accordion-id424_cfab79-f4 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid #eeeeee;border-right:1px solid #eeeeee;border-bottom:1px solid #eeeeee;border-left:2px solid #eeeeee;}}@media all and (max-width: 1024px){.kt-accordion-id424_cfab79-f4 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id424_cfab79-f4 .kt-blocks-accordion-header:focus-visible{border-top-color:#d4d4d4;border-top-style:solid;border-right-color:#d4d4d4;border-right-style:solid;border-bottom-color:#d4d4d4;border-bottom-style:solid;border-left-color:#d4d4d4;border-left-style:solid;}}@media all and (max-width: 1024px){.kt-accordion-id424_cfab79-f4 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id424_cfab79-f4 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#0e9cd1;border-left-style:solid;}}@media all and (max-width: 767px){.kt-accordion-id424_cfab79-f4 .kt-accordion-inner-wrap{display:block;}.kt-accordion-id424_cfab79-f4 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:10px;}.kt-accordion-id424_cfab79-f4 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:1px solid transparent;border-bottom:1px solid transparent;border-left:1px solid transparent;}.kt-accordion-id424_cfab79-f4 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid #eeeeee;border-right:1px solid #eeeeee;border-bottom:1px solid #eeeeee;border-left:2px solid #eeeeee;}.kt-accordion-id424_cfab79-f4 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id424_cfab79-f4 .kt-blocks-accordion-header:focus-visible{border-top-color:#d4d4d4;border-top-style:solid;border-right-color:#d4d4d4;border-right-style:solid;border-bottom-color:#d4d4d4;border-bottom-style:solid;border-left-color:#d4d4d4;border-left-style:solid;}.kt-accordion-id424_cfab79-f4 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id424_cfab79-f4 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#0e9cd1;border-left-style:solid;}}.kb-row-layout-id424_b721c7-98 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id424_b721c7-98 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id424_b721c7-98 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id424_b721c7-98 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id424_b721c7-98 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id424_b721c7-98 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}.kadence-column424_ef038b-4e > .kt-inside-inner-col,.kadence-column424_ef038b-4e > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_ef038b-4e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_ef038b-4e > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_ef038b-4e > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_ef038b-4e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_ef038b-4e{position:relative;}@media all and (max-width: 1024px){.kadence-column424_ef038b-4e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_ef038b-4e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kadence-column424_69600a-99 > .kt-inside-inner-col,.kadence-column424_69600a-99 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_69600a-99 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_69600a-99 > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_69600a-99 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_69600a-99 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_69600a-99{position:relative;}@media all and (max-width: 1024px){.kadence-column424_69600a-99 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_69600a-99 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kb-row-layout-id424_97f873-ba > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id424_97f873-ba > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id424_97f873-ba > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id424_97f873-ba > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id424_97f873-ba > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id424_97f873-ba > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}.kadence-column424_492db5-94 > .kt-inside-inner-col,.kadence-column424_492db5-94 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_492db5-94 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_492db5-94 > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_492db5-94 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_492db5-94 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_492db5-94{position:relative;}@media all and (max-width: 1024px){.kadence-column424_492db5-94 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_492db5-94 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kadence-column424_67060e-fc > .kt-inside-inner-col,.kadence-column424_67060e-fc > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_67060e-fc > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_67060e-fc > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_67060e-fc > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_67060e-fc > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_67060e-fc{position:relative;}@media all and (max-width: 1024px){.kadence-column424_67060e-fc > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_67060e-fc > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kb-row-layout-id424_f128d5-b4 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id424_f128d5-b4 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id424_f128d5-b4 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id424_f128d5-b4 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id424_f128d5-b4 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id424_f128d5-b4 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}.kadence-column424_eb4032-1c > .kt-inside-inner-col,.kadence-column424_eb4032-1c > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_eb4032-1c > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_eb4032-1c > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_eb4032-1c > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_eb4032-1c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_eb4032-1c{position:relative;}@media all and (max-width: 1024px){.kadence-column424_eb4032-1c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_eb4032-1c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kadence-column424_ad73a9-a0 > .kt-inside-inner-col,.kadence-column424_ad73a9-a0 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_ad73a9-a0 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_ad73a9-a0 > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_ad73a9-a0 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_ad73a9-a0 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_ad73a9-a0{position:relative;}@media all and (max-width: 1024px){.kadence-column424_ad73a9-a0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_ad73a9-a0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kb-row-layout-id424_5a09c6-b1 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id424_5a09c6-b1 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id424_5a09c6-b1 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id424_5a09c6-b1 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id424_5a09c6-b1 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id424_5a09c6-b1 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}.kadence-column424_856892-5c > .kt-inside-inner-col,.kadence-column424_856892-5c > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_856892-5c > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_856892-5c > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_856892-5c > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_856892-5c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_856892-5c{position:relative;}@media all and (max-width: 1024px){.kadence-column424_856892-5c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_856892-5c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kadence-column424_c1868c-3b > .kt-inside-inner-col,.kadence-column424_c1868c-3b > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_c1868c-3b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_c1868c-3b > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_c1868c-3b > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_c1868c-3b > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_c1868c-3b{position:relative;}@media all and (max-width: 1024px){.kadence-column424_c1868c-3b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_c1868c-3b > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kb-row-layout-id424_c3dcb3-72 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id424_c3dcb3-72 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id424_c3dcb3-72 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id424_c3dcb3-72 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id424_c3dcb3-72 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id424_c3dcb3-72 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}.kadence-column424_46eecd-f5 > .kt-inside-inner-col,.kadence-column424_46eecd-f5 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_46eecd-f5 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_46eecd-f5 > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_46eecd-f5 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_46eecd-f5 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_46eecd-f5{position:relative;}@media all and (max-width: 1024px){.kadence-column424_46eecd-f5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_46eecd-f5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kadence-column424_e61ecd-36 > .kt-inside-inner-col,.kadence-column424_e61ecd-36 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_e61ecd-36 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_e61ecd-36 > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_e61ecd-36 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_e61ecd-36 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_e61ecd-36{position:relative;}@media all and (max-width: 1024px){.kadence-column424_e61ecd-36 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_e61ecd-36 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kb-row-layout-id424_aad2d1-20 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id424_aad2d1-20 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id424_aad2d1-20 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id424_aad2d1-20 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id424_aad2d1-20 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id424_aad2d1-20 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}.kadence-column424_5087a9-fd > .kt-inside-inner-col,.kadence-column424_5087a9-fd > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_5087a9-fd > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_5087a9-fd > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_5087a9-fd > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_5087a9-fd > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_5087a9-fd{position:relative;}@media all and (max-width: 1024px){.kadence-column424_5087a9-fd > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_5087a9-fd > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kadence-column424_621231-1d > .kt-inside-inner-col,.kadence-column424_621231-1d > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_621231-1d > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_621231-1d > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_621231-1d > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_621231-1d > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_621231-1d{position:relative;}@media all and (max-width: 1024px){.kadence-column424_621231-1d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_621231-1d > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kb-row-layout-id424_4234c8-1c > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id424_4234c8-1c > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id424_4234c8-1c > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id424_4234c8-1c > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id424_4234c8-1c > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id424_4234c8-1c > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}.kadence-column424_317dd7-3c > .kt-inside-inner-col,.kadence-column424_317dd7-3c > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_317dd7-3c > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_317dd7-3c > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_317dd7-3c > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_317dd7-3c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_317dd7-3c{position:relative;}@media all and (max-width: 1024px){.kadence-column424_317dd7-3c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_317dd7-3c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kadence-column424_575894-65 > .kt-inside-inner-col,.kadence-column424_575894-65 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_575894-65 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_575894-65 > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_575894-65 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_575894-65 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_575894-65{position:relative;}@media all and (max-width: 1024px){.kadence-column424_575894-65 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_575894-65 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kt-accordion-id424_b82776-76 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:10px;}.kt-accordion-id424_b82776-76 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;background:#ffffff;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id424_b82776-76 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:0px solid #f2f2f2;border-left:0px solid #f2f2f2;border-top-left-radius:6px;border-top-right-radius:6px;border-bottom-right-radius:6px;border-bottom-left-radius:6px;background:#f2f2f2;color:#555555;padding-top:14px;padding-right:16px;padding-bottom:14px;padding-left:16px;}.kt-accordion-id424_b82776-76:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_b82776-76:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:#555555;}.kt-accordion-id424_b82776-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#555555;}.kt-accordion-id424_b82776-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_b82776-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:#f2f2f2;}.kt-accordion-id424_b82776-76 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id424_b82776-76 .kt-blocks-accordion-header:focus-visible{color:#444444;background:#eeeeee;border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}.kt-accordion-id424_b82776-76:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_b82776-76:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id424_b82776-76:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id424_b82776-76:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id424_b82776-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id424_b82776-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id424_b82776-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_b82776-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id424_b82776-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id424_b82776-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#eeeeee;}.kt-accordion-id424_b82776-76 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id424_b82776-76 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:#ffffff;background:#BE530B;border-top-color:#BE530B;border-top-style:solid;border-right-color:#BE530B;border-right-style:solid;border-bottom-color:#BE530B;border-bottom-style:solid;border-left-color:#BE530B;border-left-style:solid;}.kt-accordion-id424_b82776-76:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_b82776-76:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id424_b82776-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#ffffff;}.kt-accordion-id424_b82776-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_b82776-76:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#BE530B;}@media all and (max-width: 1024px){.kt-accordion-id424_b82776-76 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}}@media all and (max-width: 1024px){.kt-accordion-id424_b82776-76 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:0px solid #f2f2f2;border-left:0px solid #f2f2f2;}}@media all and (max-width: 1024px){.kt-accordion-id424_b82776-76 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id424_b82776-76 .kt-blocks-accordion-header:focus-visible{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}}@media all and (max-width: 1024px){.kt-accordion-id424_b82776-76 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id424_b82776-76 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#BE530B;border-top-style:solid;border-right-color:#BE530B;border-right-style:solid;border-bottom-color:#BE530B;border-bottom-style:solid;border-left-color:#BE530B;border-left-style:solid;}}@media all and (max-width: 767px){.kt-accordion-id424_b82776-76 .kt-accordion-inner-wrap{display:block;}.kt-accordion-id424_b82776-76 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:10px;}.kt-accordion-id424_b82776-76 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;}.kt-accordion-id424_b82776-76 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:0px solid #f2f2f2;border-right:0px solid #f2f2f2;border-bottom:0px solid #f2f2f2;border-left:0px solid #f2f2f2;}.kt-accordion-id424_b82776-76 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id424_b82776-76 .kt-blocks-accordion-header:focus-visible{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#eeeeee;border-left-style:solid;}.kt-accordion-id424_b82776-76 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id424_b82776-76 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#BE530B;border-top-style:solid;border-right-color:#BE530B;border-right-style:solid;border-bottom-color:#BE530B;border-bottom-style:solid;border-left-color:#BE530B;border-left-style:solid;}}.kt-accordion-id424_4dc11b-e0 .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:10px;}.kt-accordion-id424_4dc11b-e0 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:1px solid transparent;border-bottom:1px solid transparent;border-left:1px solid transparent;background:#ffffff;padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-sm, 1.5rem);}.kt-accordion-id424_4dc11b-e0 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid #eeeeee;border-right:1px solid #eeeeee;border-bottom:1px solid #eeeeee;border-left:2px solid #eeeeee;border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;background:#ffffff;color:#444444;padding-top:14px;padding-right:16px;padding-bottom:14px;padding-left:16px;}.kt-accordion-id424_4dc11b-e0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_4dc11b-e0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id424_4dc11b-e0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id424_4dc11b-e0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_4dc11b-e0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id424_4dc11b-e0 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id424_4dc11b-e0 .kt-blocks-accordion-header:focus-visible{color:#444444;background:#ffffff;border-top-color:#d4d4d4;border-top-style:solid;border-right-color:#d4d4d4;border-right-style:solid;border-bottom-color:#d4d4d4;border-bottom-style:solid;border-left-color:#d4d4d4;border-left-style:solid;}.kt-accordion-id424_4dc11b-e0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_4dc11b-e0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id424_4dc11b-e0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id424_4dc11b-e0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id424_4dc11b-e0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id424_4dc11b-e0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id424_4dc11b-e0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_4dc11b-e0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id424_4dc11b-e0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id424_4dc11b-e0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}.kt-accordion-id424_4dc11b-e0 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id424_4dc11b-e0 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:#444444;background:#ffffff;border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#0e9cd1;border-left-style:solid;}.kt-accordion-id424_4dc11b-e0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_4dc11b-e0:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#444444;}.kt-accordion-id424_4dc11b-e0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#444444;}.kt-accordion-id424_4dc11b-e0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id424_4dc11b-e0:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#ffffff;}@media all and (max-width: 1024px){.kt-accordion-id424_4dc11b-e0 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:1px solid transparent;border-bottom:1px solid transparent;border-left:1px solid transparent;}}@media all and (max-width: 1024px){.kt-accordion-id424_4dc11b-e0 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid #eeeeee;border-right:1px solid #eeeeee;border-bottom:1px solid #eeeeee;border-left:2px solid #eeeeee;}}@media all and (max-width: 1024px){.kt-accordion-id424_4dc11b-e0 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id424_4dc11b-e0 .kt-blocks-accordion-header:focus-visible{border-top-color:#d4d4d4;border-top-style:solid;border-right-color:#d4d4d4;border-right-style:solid;border-bottom-color:#d4d4d4;border-bottom-style:solid;border-left-color:#d4d4d4;border-left-style:solid;}}@media all and (max-width: 1024px){.kt-accordion-id424_4dc11b-e0 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id424_4dc11b-e0 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#0e9cd1;border-left-style:solid;}}@media all and (max-width: 767px){.kt-accordion-id424_4dc11b-e0 .kt-accordion-inner-wrap{display:block;}.kt-accordion-id424_4dc11b-e0 .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:10px;}.kt-accordion-id424_4dc11b-e0 .kt-accordion-panel-inner{border-top:0px solid transparent;border-right:1px solid transparent;border-bottom:1px solid transparent;border-left:1px solid transparent;}.kt-accordion-id424_4dc11b-e0 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid #eeeeee;border-right:1px solid #eeeeee;border-bottom:1px solid #eeeeee;border-left:2px solid #eeeeee;}.kt-accordion-id424_4dc11b-e0 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id424_4dc11b-e0 .kt-blocks-accordion-header:focus-visible{border-top-color:#d4d4d4;border-top-style:solid;border-right-color:#d4d4d4;border-right-style:solid;border-bottom-color:#d4d4d4;border-bottom-style:solid;border-left-color:#d4d4d4;border-left-style:solid;}.kt-accordion-id424_4dc11b-e0 .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id424_4dc11b-e0 > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top-color:#eeeeee;border-top-style:solid;border-right-color:#eeeeee;border-right-style:solid;border-bottom-color:#eeeeee;border-bottom-style:solid;border-left-color:#0e9cd1;border-left-style:solid;}}.kb-row-layout-id424_b2f6d1-d2 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id424_b2f6d1-d2 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id424_b2f6d1-d2 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id424_b2f6d1-d2 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id424_b2f6d1-d2 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id424_b2f6d1-d2 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}.kadence-column424_166032-69 > .kt-inside-inner-col,.kadence-column424_166032-69 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_166032-69 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_166032-69 > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_166032-69 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_166032-69 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_166032-69{position:relative;}@media all and (max-width: 1024px){.kadence-column424_166032-69 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_166032-69 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kadence-column424_3331dc-76 > .kt-inside-inner-col,.kadence-column424_3331dc-76 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_3331dc-76 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_3331dc-76 > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_3331dc-76 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_3331dc-76 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_3331dc-76{position:relative;}@media all and (max-width: 1024px){.kadence-column424_3331dc-76 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_3331dc-76 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kb-row-layout-id424_1d2ac8-7b > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id424_1d2ac8-7b > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id424_1d2ac8-7b > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id424_1d2ac8-7b > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id424_1d2ac8-7b > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id424_1d2ac8-7b > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}.kadence-column424_56d1df-f4 > .kt-inside-inner-col,.kadence-column424_56d1df-f4 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_56d1df-f4 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_56d1df-f4 > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_56d1df-f4 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_56d1df-f4 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_56d1df-f4{position:relative;}@media all and (max-width: 1024px){.kadence-column424_56d1df-f4 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_56d1df-f4 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kadence-column424_780b90-eb > .kt-inside-inner-col,.kadence-column424_780b90-eb > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_780b90-eb > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_780b90-eb > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_780b90-eb > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_780b90-eb > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_780b90-eb{position:relative;}@media all and (max-width: 1024px){.kadence-column424_780b90-eb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_780b90-eb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kb-row-layout-id424_8db10e-9c > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id424_8db10e-9c > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id424_8db10e-9c > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id424_8db10e-9c > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id424_8db10e-9c > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id424_8db10e-9c > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}.kadence-column424_f362d3-ce > .kt-inside-inner-col,.kadence-column424_f362d3-ce > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_f362d3-ce > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_f362d3-ce > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_f362d3-ce > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_f362d3-ce > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_f362d3-ce{position:relative;}@media all and (max-width: 1024px){.kadence-column424_f362d3-ce > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_f362d3-ce > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kadence-column424_50d5c2-e6 > .kt-inside-inner-col,.kadence-column424_50d5c2-e6 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_50d5c2-e6 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_50d5c2-e6 > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_50d5c2-e6 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_50d5c2-e6 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_50d5c2-e6{position:relative;}@media all and (max-width: 1024px){.kadence-column424_50d5c2-e6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_50d5c2-e6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kb-row-layout-id424_78698b-04 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id424_78698b-04 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id424_78698b-04 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id424_78698b-04 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id424_78698b-04 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id424_78698b-04 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}.kadence-column424_22d4d8-79 > .kt-inside-inner-col,.kadence-column424_22d4d8-79 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_22d4d8-79 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_22d4d8-79 > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_22d4d8-79 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_22d4d8-79 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_22d4d8-79{position:relative;}@media all and (max-width: 1024px){.kadence-column424_22d4d8-79 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_22d4d8-79 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kadence-column424_e38292-78 > .kt-inside-inner-col,.kadence-column424_e38292-78 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_e38292-78 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_e38292-78 > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_e38292-78 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_e38292-78 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_e38292-78{position:relative;}@media all and (max-width: 1024px){.kadence-column424_e38292-78 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_e38292-78 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kb-row-layout-id424_890a36-7e > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id424_890a36-7e > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id424_890a36-7e > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id424_890a36-7e > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id424_890a36-7e > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id424_890a36-7e > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}.kadence-column424_921185-37 > .kt-inside-inner-col,.kadence-column424_921185-37 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_921185-37 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_921185-37 > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_921185-37 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_921185-37 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_921185-37{position:relative;}@media all and (max-width: 1024px){.kadence-column424_921185-37 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_921185-37 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kadence-column424_a1c182-b0 > .kt-inside-inner-col,.kadence-column424_a1c182-b0 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column424_a1c182-b0 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column424_a1c182-b0 > .kt-inside-inner-col{flex-direction:column;}.kadence-column424_a1c182-b0 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column424_a1c182-b0 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column424_a1c182-b0{position:relative;}@media all and (max-width: 1024px){.kadence-column424_a1c182-b0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column424_a1c182-b0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}.kb-row-layout-id424_e2c330-97 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id424_e2c330-97 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id424_e2c330-97 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id424_e2c330-97 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id424_e2c330-97 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id424_e2c330-97 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}.kadence-column424_16a7c2-3e > .kt-inside-inner-col,.kadence-column424_16a7c2-3e > 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