HTML – November 2026 #4 – LN

<center><table id="bodyTable" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; height: 100%; margin: 0; padding: 0; width: 100%; background-color: #f8f8f8;" border="0" width="100%" cellspacing="0" cellpadding="0" align="center" bgcolor="#f8f8f8"><tbody><tr><td id="bodyCell" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; height: 100%; margin: 0; padding: 0; width: 100%; border-top: 4px solid #202020;" align="center" valign="top" width="100%" height="100%"><table style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="center" valign="top"><table id="templatePreheader" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #f8f8f8; border-top: 0; border-bottom: 0;" border="0" width="100%" cellspacing="0" cellpadding="0" bgcolor="#f8f8f8"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="center" valign="top"><table class="templateContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="600" cellspacing="0" cellpadding="0"><tbody><tr><td class="preheaderContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 10px; padding-bottom: 10px;" valign="top"><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 12px; line-height: 125%; padding: 0px 18px 9px; text-align: left;" align="left" valign="top"><div style="text-align: center;"><em>Everything comes with trade-offs, but many still love 55+ communities</em></div></td></tr></tbody></table> </td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="center" valign="top"><table id="templateHeader" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #444444; border-top: 0; border-bottom: 0;" border="0" width="100%" cellspacing="0" cellpadding="0" bgcolor="#444444"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="center" valign="top"><table class="templateContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="600" cellspacing="0" cellpadding="0"><tbody><tr><td class="headerContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 10px; padding-bottom: 10px;" valign="top"><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #ffffff; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 15px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h1 class="null" style="display: block; margin: 0; padding: 0; font-family: 'Merriweather Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 32px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: left; color: #ffffff;">{TITLE:10}</h1>{SLOGAN:9}</td></tr></tbody></table> </td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="center" valign="top"><table id="templateColumns" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #eeeeee; border-top: 0; border-bottom: 0;" border="0" width="100%" cellspacing="0" cellpadding="0" bgcolor="#eeeeee"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 10px; padding-bottom: 10px;" align="center" valign="top"><table class="templateContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="600" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign="top"><table class="templateContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: right;" border="0" width="380" cellspacing="0" cellpadding="0" align="right"><tbody><tr><td class="columnsContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="left" valign="top"><table class="templateColumn" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="bodyContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign="top"><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h3 class="null" style="display: block; margin: 0; padding: 0; font-family: Helvetica; font-size: 17px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: left; color: #1381c0;">Is the 55+ Community Dream Losing Its Luster?</h3></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnImageBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnImageBlockOuter"><tr><td class="mcnImageBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0px;" valign="top"><table class="mcnImageContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnImageContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; text-align: center; padding: 0 0px 0 0px;" align="center" valign="top"><img class="mcnImage" style="border: 0; height: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 652px; padding-bottom: 0; vertical-align: bottom; display: inline;" src="https://mcusercontent.com/d176f34dd6765bd83c9030617/images/5b40b70e-4600-2574-a4e9-a0f8835c5a2e.png" alt="Senior at Empty 55+ Community" width="379.9951171875" align="center" /></td></tr></tbody></table></td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left; padding: 0px 18px 9px; font-style: normal; font-weight: normal;" align="left" valign="top"><strong>Picture this: </strong>You've finally retired, sold the family home, and moved into a beautiful 55+ community. There's a swimming pool, a clubhouse, walking trails, and neighbors who are always up for a game of pickleball. Life is good!<p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left; font-style: normal; font-weight: normal;"><strong>Until the HOA raises its fees and special assessments crop up to suck dry your savings.</strong></p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left; font-style: normal; font-weight: normal;"><strong>Or you realize the grandkids are growing up a thousand miles away,</strong> and you can't see them as often as you thought. Suddenly, living closer to the kids sounds a lot more appealing than having a golf course around the corner.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left; font-style: normal; font-weight: normal;"><strong>Or worse, you get older (ack!).</strong> What happens when you want to age in place and need a little help? Most 55+ communities are designed for active adults, not assisted living. Hiring help or moving again could put a huge dent in the retirement savings.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left; font-style: normal; font-weight: normal;">It's enough to make some baby boomers and even gen Xers rethink their retirement paradise.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left; font-style: normal; font-weight: normal;">Of course, plenty of retirees absolutely love their 55+ communities, and for good reason. The social connections, amenities, and low-maintenance lifestyle can be wonderful.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left; font-style: normal; font-weight: normal;">Before you embrace the 55+ life, consider the cons along with the pros. Compare alternatives, such as downsizing to a smaller home in a walking neighborhood, moving closer to family, or finding a condo community where you can enjoy the perks without the age restrictions and hefty lot fees.</p><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left; font-style: normal; font-weight: normal;">Want suggestions about local 55+ communities, or to discuss downsizing to a condo or small home? Call anytime. ~{OWNERFIRST:4}, {PHONE:15}</p></td></tr></tbody></table> </td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table class="templateContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left;" border="0" width="200" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="columnsContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="left" valign="top"><table class="templateColumn" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: right;" border="0" width="100%" cellspacing="0" cellpadding="0" align="right"><tbody><tr><td class="sidebarContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" valign="top"><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><div align="center"><span style="color: #ff0000;"><img class="mcnImage" style="border: 0; vertical-align: bottom; display: block; border-radius: 6px; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 130px; height: auto;" src="{OWNERIMG:12}" alt="{OWNERFIRST:4} {OWNERLAST:11}" width="130" height="" align="MIDDLE" data-file-id="4123549" /></span></div></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13px; line-height: 150%; padding: 0px 18px 9px; text-align: center;" align="center" valign="top"><strong>{OWNERFIRST:4} {OWNERLAST:11}<br /> {PHONE:15}</strong></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnImageBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnImageBlockOuter"><tr><td class="mcnImageBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px;" valign="top"><table class="mcnImageContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnImageContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; text-align: center; padding: 0 9px 0 9px;" align="center" valign="top"><img class="mcnImage" style="border: 0; height: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 196px; padding-bottom: 0; vertical-align: bottom; display: inline;" src="{LOGO:8}" alt="" width="160.7180111694336" align="center" /></td></tr></tbody></table></td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13px; line-height: 150%; padding: 0px 18px 9px; text-align: center;" align="center" valign="top"><span style="color: #696969;"><em>{COMPANY:17}</em></span></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnButtonBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnButtonBlockOuter"><tr><td class="mcnButtonBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0 18px 18px 18px;" align="center" valign="top"><table class="mcnButtonContentContainer" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; border-radius: 17px; background-color: #343434; border-collapse: separate;" border="0" width="100%" cellspacing="0" cellpadding="0" bgcolor="#343434"><tbody><tr><td class="mcnButtonContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; font-family: Arial; font-size: 12px; padding: 11px;" align="center" valign="middle"><a class="mcnButton " style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; display: block; font-weight: bold; letter-spacing: normal; line-height: 100%; text-align: center; text-decoration: none; color: #ffffff;" title="SEARCH HOMES" href="{WEBSITE:14}" target="_blank" rel="noopener">SEARCH HOMES</a></td></tr></tbody></table></td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 13px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h3 class="null" style="display: block; margin: 0; padding: 0; font-family: Helvetica; font-size: 17px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: left; color: #1381c0;">Refer a friend</h3><em>If you know someone thinking about moving, please ask them to reach out to me for a no-obligation consultation. You can send them this newsletter or text them my phone number. Thank you. {PHONE:15}</em></td></tr></tbody></table> </td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-bottom: 40px;" align="center" valign="top"><table id="templateFooter" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #f8f8f8; border-top: 0; border-bottom: 0;" border="0" width="100%" cellspacing="0" cellpadding="0" bgcolor="#f8f8f8"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="center" valign="top"><table class="templateContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="600" cellspacing="0" cellpadding="0"><tbody><tr><td class="footerContainer" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 10px; padding-bottom: 10px;" valign="top"><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h2 class="null" style="display: block; margin: 0; padding: 0; font-family: 'Merriweather Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 18px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: center; color: #202020;">HOUSEHOLD &amp; LIFE HACKS</h2></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnImageGroupBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnImageGroupBlockOuter"><tr><td class="mcnImageGroupBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px;" valign="top"><table class="mcnImageGroupContentContainer mcnBlockFloatLeft" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left;" border="0" width="272.9969482421875" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnImageGroupContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-left: 9px; padding-top: 0; padding-bottom: 0;" valign="top"><img class="mcnImage" style="border: 0; height: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; vertical-align: bottom; max-width: 470px; padding-bottom: 0;" src="https://mcusercontent.com/d176f34dd6765bd83c9030617/images/2bc07309-d78b-0b62-f322-be9627ca1ac4.png" alt="Topanga Tower" width="263" /></td></tr></tbody></table><table class="mcnImageGroupContentContainer mcnBlockFloatRight" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: right;" border="0" width="272.9969482421875" cellspacing="0" cellpadding="0" align="right"><tbody><tr><td class="mcnImageGroupContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-right: 9px; padding-top: 0; padding-bottom: 0;" valign="top"><img class="mcnImage" style="border: 0; height: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; vertical-align: bottom; max-width: 465px; padding-bottom: 0;" src="https://mcusercontent.com/d176f34dd6765bd83c9030617/images/4bfd7712-e2cb-6734-643d-5fd097882630.png" alt="Topanga Tower Interior" width="263" /></td></tr></tbody></table></td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h3 class="null" style="display: block; margin: 0; padding: 0; font-family: Helvetica; font-size: 17px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: left; color: #1381c0;">The Ugly Beauty of Brutalist Architecture</h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left;">Rising out of the Santa Monica Mountains, the concrete bunker of the Topanga Tower proves that architectural beauty is truly in the eye of the beholder. While critics often dismiss Brutalist architecture as harsh or imposing, this transformed radio relay station reveals its unexpected charms. Its massive, raw concrete walls&mdash;once meant for nuclear survival&mdash;now frame a striking, open-concept home. There is a rugged, timeless poetry in how this industrial monolith harmonizes with the surrounding wild landscape. See more images, and even book a stay at&nbsp;<strong>peerspace.com.</strong></p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnCaptionBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnCaptionBlockOuter"><tr><td class="mcnCaptionBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px;" valign="top"><table class="mcnCaptionRightContentOuter" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td class="mcnCaptionRightContentInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0 9px;" valign="top"><table class="mcnCaptionRightImageContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left;" border="0" width="175" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnCaptionRightImageContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" align="center" valign="top"><img class="mcnImage" style="border: 0; height: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; vertical-align: bottom; max-width: 400px;" src="https://mcusercontent.com/d176f34dd6765bd83c9030617/images/a274172f-5f4f-ee1d-22ff-c429ae3748a3.jpg" alt="Bathroom Remodel Idea" width="175" /></td></tr></tbody></table><table class="mcnCaptionRightTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: right;" border="0" width="352" cellspacing="0" cellpadding="0" align="right"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left;" align="left" valign="top"><h3 style="display: block; margin: 0; padding: 0; font-family: Helvetica; font-size: 17px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: left; color: #1381c0;">Is It Time to Redecorate Your Bathroom?</h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left;">Since COVID-19, you might have seen more of your bathroom than you used to. If you&rsquo;re getting tired of the same old scene, why not try your hand at redecorating? The bath is a small canvas that can be easy and inexpensive to revitalize. Explore 50 ideas for remodeling a small bathroom at <strong>apartmenttherapy.com/<br /> small-bathroom-ideas-36643530</strong></p></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table><table class="mcnDividerBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; table-layout: fixed;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnDividerBlockOuter"><tr><td class="mcnDividerBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; padding: 18px;"><table class="mcnDividerContent" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; border-top: 2px solid #EAEAEA;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td></tr></tbody></table></td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h2 class="null" style="display: block; margin: 0; padding: 0; font-family: 'Merriweather Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 18px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: center; color: #202020;">JUST FOR FUN</h2></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top"><h3 class="null" style="display: block; margin: 0; padding: 0; font-family: Helvetica; font-size: 17px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: center; color: #1381c0;">Word Search - Family Game Night</h3><p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: center;">No login or registration needed.&nbsp;<a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #4caad8; font-weight: normal; text-decoration: none;" href="https://members.fastnewsletters.com/november-4-word-search-family-game-night/" target="_blank" rel="noopener">Just click to play now!</a></p></td></tr></tbody></table> </td></tr></tbody></table><table class="mcnImageBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnImageBlockOuter"><tr><td class="mcnImageBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px;" valign="top"><table class="mcnImageContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnImageContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; text-align: center; padding: 0 9px 0 9px;" align="center" valign="top"><a class="" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" title="" href="https://members.fastnewsletters.com/november-4-word-search-family-game-night/" target="_blank" rel="noopener"> <img class="mcnImage" style="-ms-interpolation-mode: bicubic; border: 0; height: auto; outline: none; text-decoration: none; max-width: 1200px; padding-bottom: 0; vertical-align: bottom; display: inline;" src="https://mcusercontent.com/d176f34dd6765bd83c9030617/images/4ebf3951-8cdd-639c-635d-ac66f07d2490.png" alt="Family Game Night Word Search" width="563.993896484375" align="center" /> </a></td></tr></tbody></table></td></tr></tbody></table><table class="mcnDividerBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; table-layout: fixed;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnDividerBlockOuter"><tr><td class="mcnDividerBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; padding: 18px 18px 20px;"><table class="mcnDividerContent" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; border-top: 5px dotted #C9C9C9;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td></tr></tbody></table></td></tr></tbody></table><table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnTextBlockOuter"><tr><td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top"> <table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; padding: 0px 18px 9px; text-align: center;" align="center" valign="top"><strong>{OWNERFIRST:4} {OWNERLAST:11}</strong><br /> <strong>{PHONE:15}</strong><br /> {EMAIL:16}<br /> {COMPANY:17}</td></tr></tbody></table> </td></tr></tbody></table><table class="mcnImageBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnImageBlockOuter"><tr><td class="mcnImageBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px;" valign="top"><table class="mcnImageContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left"><tbody><tr><td class="mcnImageContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; text-align: center; padding: 0 9px 0 9px;" align="center" valign="top"><img class="mcnImage" style="border: 0; height: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 196px; padding-bottom: 0; vertical-align: bottom; display: inline;" src="{LOGO:8}" alt="" width="176.4" align="center" /></td></tr></tbody></table></td></tr></tbody></table><table class="mcnDividerBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; table-layout: fixed;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody class="mcnDividerBlockOuter"><tr><td class="mcnDividerBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; padding: 68px 18px 48px;"><table class="mcnDividerContent" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0"><tbody><tr><td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></center>