<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml" xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office">
<head>
        <meta http-equiv="Content-Type" content="text/html; charset=utf-8">
                        <meta name="viewport" content="width=device-width, initial-scale=1">
        <title>
          Sage
        </title>
        <link rel="icon" type="image/x-icon" href="https://www.sage.com/favicon.ico">
        <link rel="shortcut icon" type="image/x-icon" href="https://www.sage.com/favicon.ico">
        <!--[if gte mso 9]>
          <xml>
          <o:OfficeDocumentSettings>
          <o:AllowPNG/>
          <o:PixelsPerInch>96</o:PixelsPerInch>
          </o:OfficeDocumentSettings>
          </xml>
          <style>
                li {
                text-indent: -1em; /* Normalise space between bullets and text */
                }
          </style>
        <![endif]-->

        <!--[if (gte mso 9)|(IE)]>
          <style type="text/css">
                table {
                border-collapse: collapse;
                border-spacing: 0;
                mso-line-height-rule: exactly;
                mso-margin-bottom-alt: 0;
                mso-margin-top-alt: 0;
                mso-table-lspace: 0pt; mso-table-rspace: 0pt;}
          </style>
        <![endif]-->

        <!--[if gte mso 9]>
        <xml>
          <o:OfficeDocumentSettings>
          <o:AllowPNG/>
          <o:PixelsPerInch>96</o:PixelsPerInch>
          </o:OfficeDocumentSettings>
          </xml>
        <![endif]-->

        <!--[if gt mso 15]>
          <style type="text/css" media="all">
                /* Outlook 2016 Height Fix */
                table, tr, td {border-collapse: collapse;}
                tr { font-size:0px; line-height:0px; border-collapse: collapse; }
          </style>
        <![endif]-->

        <style type="text/css">

                                  @font-face {
                                        font-family: Sage-Headline-Black;
                                        src: url(https://fonts.sage.com/Sage_Headline-Black.woff);
                                  }


                                        @font-face {
                                        font-family: Sage-Text;
                                        src: url(https://fonts.sage.com/Sage_Text-Regular.woff);
                                  }

                        @font-face {
                                        font-family: Sage-Text-Medium;
                                        src: url(https://fonts.sage.com/Sage_Text-Medium.woff);
                                  }

                        @import url('https://fonts.googleapis.com/css2?family=Roboto&display=swap');
                                  font-family: 'Roboto', sans-serif;

                        img + div {
                                        display: none;
                        }


          /* Client-specific styles */
          .ExternalClass {
                width: 100%;
          }
          .ExternalClass,
          .ExternalClass p,
          .ExternalClass span,
          .ExternalClass font,
          .ExternalClass td,
          .ExternalClass div {
                line-height: 100%;
          }
          body {
                background-image: none;
                background-repeat: repeat;
                background-position: top left;
                background-attachment: scroll;
                -ms-text-size-adjust: none;
                -webkit-text-size-adjust: none;
                -webkit-font-smoothing: antialiased;
                margin-top: 0;
                margin-bottom: 0;
                margin-right: 0;
                margin-left: 0;
                padding-top: 0;
                padding-bottom: 0;
                padding-right: 0;
                padding-left: 0;
                color: rgb(0, 0, 0,.9);
          }
          a[href^=tel] {
                color: #FFFFFF;
                text-decoration: none;
          }
          img {
                display: block;
                border: none;
                outline: none;
                text-decoration: none;
                -ms-interpolation-mode: bicubic;
          }
          p {
                margin:0px;
                padding:0px;
          }
          table td,  table th {
                border-collapse: collapse;
                                   border-spacing: 0 !important;
          }
          table {
                border-collapse: collapse;
                mso-table-lspace: 0pt;
                mso-table-rspace: 0pt;
                table-layout: fixed;
                                        border-spacing: 0;

          }
          tr {
                font-size:0px;
                line-height:0px;
                border-collapse: collapse;
          }
          table table {
                table-layout: auto;
          }
          a{
                color:#009900;
          }
          a:hover{
                color:#006234 !important;
          }
          a img {
                border: none;
          }
          @media print {
                body {
                  -webkit-print-color-adjust: exact;
                }
          }
          body, table, td, a {
                -webkit-text-size-adjust: 100%;
                -ms-text-size-adjust: 100%;
          }
          img {
                -ms-interpolation-mode: bicubic;
          }


          .footer_link a:hover {
                color: #00D639 !important;
          }

                         .footer_link:hover {
                color: #00D639 !important;
          }


          /* Reset styles */
          img {
                border: 0 !important;
                line-height: 100%;
                outline: none;
                text-decoration: none;
          }
          table td {
                border-collapse: collapse !important;
          }
          body {
                height: 100% !important;
                margin: 0 !important;
                padding: 0 !important;
                width: 100% !important;
          }

          /* iOS blue links */
          a[x-apple-data-detectors] {
                color: inherit !important;
                text-decoration: none !important;
                font-size: inherit !important;
                font-family: inherit !important;
                font-weight: inherit !important;
                line-height: inherit !important;
          }
          .content-calendar{
                padding: 15px 0 30px 4%;
          }

          /* Global styles */
          body, table, td {
                font-family:  'Sage-Headline-Black', Helvetica, Arial;
                font-size: 16px;
                font-weight: 300;
                line-height: 1.5;
                color: #000000
          }


                           /* ///////////////////////////////////////////////////////---------New Buttons ------/////////////////////////////////////////////////////////////////// */




                        /* ////////////////////large buttons ///////////////////////////*/




                        /* ////////////////////light buttons ///////////////////////////*/


                         /* default over light background - primary - large */
          .sage-button-lightbg-primary-large {
                background-color:#000000;
                display:inline-block;
                cursor:pointer;
                color:#ffffff;
                text-decoration:none;
                                  width: 516px;
           }
          .sage-button-lightbg-primary-large   a{
                color:#ffffff;
          }
          .sage-button-lightbg-primary-large:hover {
                background-color:#303030;
          }
          .sage-button-lightbg-primary-large a:hover {
                color:#ffffff !important;
                  }




          .sage-button-lightbg-secondary-large {
                background-color:#ffffff;
                display:inline-block;
                cursor:pointer;
                color:#000000;
                text-decoration:none;
                                  width: 516px;
           }
          .sage-button-lightbg-secondary-large a{
                color:#303030;
          }
          .sage-button-lightbg-secondary-large:hover {
                background-color:#303030;
          }
          .sage-button-lightbg-secondary-large a:hover {
                color:#ffffff!important;
                  }


          .sage-button-alternate-lightbg-primary-large {
                background-color:#008146;
                display:inline-block;
                cursor:pointer;
                color:#ffffff;
                text-decoration:none;
                                  width: 516px;
           }
          .sage-button-alternate-lightbg-primary-large a{
                color:#ffffff;
          }
          .sage-button-alternate-lightbg-primary-large:hover {
                background-color:#006234;
          }
          .sage-button-alternate-lightbg-primary-large a:hover {
                color:#ffffff!important;
                  }


          .sage-button-alternate-lightbg-secondary-large {
                background-color:#ffffff;
                display:inline-block;
                cursor:pointer;
                color:#008146;
                text-decoration:none;
                                  width: 516px;
           }
          .sage-button-alternate-lightbg-secondary-large a{
                color:#ffffff;
          }
          .sage-button-alternate-lightbg-secondary-large:hover {
                background-color:#006234;
          }
          .sage-button-alternate-lightbg-secondary-large a:hover {
                color:#ffffff!important;
                  }



                                /* ////////////////////dark buttons ///////////////////////////*/




          .sage-button-darkbg-primary-large {
                background-color:#ffffff;
                display:inline-block;
                cursor:pointer;
                color:#000000;
                text-decoration:none;
                                  width: 516px;
           }
          .sage-button-darkbg-primary-large a{
                color:#e2e2e2;
          }
          .sage-button-darkbg-primary-large:hover {
                background-color:#e2e2e2;
          }
          .sage-button-darkbg-primary-large a:hover {
                color:#000000!important;
                  }




                           .sage-button-darkbg-secondary-large {
                background-color:#000000;
                display:inline-block;
                cursor:pointer;
                color:#ffffff;
                text-decoration:none;
                                  width: 516px;
           }
          .sage-button-darkbg-secondary-large a{
                color:#e2e2e2;
          }
          .sage-button-darkbg-secondary-large:hover {
                background-color:#e2e2e2;
          }
          .sage-button-darkbg-secondary-large a:hover {
                color:#000000!important;
                  }



          .sage-button-alternate-darkbg-primary-large {
                background-color:#00d639;
                display:inline-block;
                cursor:pointer;
                color:#000000;
                text-decoration:none;
                                  width: 516px;
           }
          .sage-button-alternate-darkbgprimary-large a{
                color:#ffffff;
          }
          .sage-button-alternate-darkbg-primary-large:hover {
                background-color:#A4FBC2;
          }
          .sage-button-alternate-darkbg-primary-large a:hover {
                color:#000000!important;
                  }




          .sage-button-alternate-darkbg-secondary-large {
                background-color:#000000;
                display:inline-block;
                cursor:pointer;
                color:#ffffff;
                text-decoration:none;
                                  width: 516px;
           }
          .sage-button-alternate-darkbg-secondary-large a{
                color:#ffffff;
          }
          .sage-button-alternate-darkbg-secondary-large:hover {
                background-color:#A4FBC2;
          }
          .sage-button-alternate-darkbg-secondary-large a:hover {
                color:#000000!important;
                  }




                          /* ////////////////////248 buttons ///////////////////////////*/




                        /* ////////////////////light buttons ///////////////////////////*/


                         /* default over light background - primary - large */
          .sage-button-lightbg-primary-248 {
                background-color:#000000;
                display:inline-block;
                cursor:pointer;
                color:#ffffff;
                text-decoration:none;
                                  width: 184px;
           }
          .sage-button-lightbg-primary-248   a{
                color:#ffffff;
          }
          .sage-button-lightbg-primary-248:hover {
                background-color:#303030;
          }
          .sage-button-lightbg-primary-248 a:hover {
                color:#ffffff !important;
                  }




          .sage-button-lightbg-secondary-248 {
                background-color:#ffffff;
                display:inline-block;
                cursor:pointer;
                color:#000000;
                text-decoration:none;
                                  width: 184px;
           }
          .sage-button-lightbg-secondary-248 a{
                color:#303030;
          }
          .sage-button-lightbg-secondary-248:hover {
                background-color:#303030;
          }
          .sage-button-lightbg-secondary-248 a:hover {
                color:#ffffff!important;
                  }


          .sage-button-alternate-lightbg-primary-248 {
                background-color:#008146;
                display:inline-block;
                cursor:pointer;
                color:#ffffff;
                text-decoration:none;
                                  width: 184px;
           }
          .sage-button-alternate-lightbg-primary-248 a{
                color:#ffffff;
          }
          .sage-button-alternate-lightbg-primary-248:hover {
                background-color:#006234;
          }
          .sage-button-alternate-lightbg-primary-248 a:hover {
                color:#ffffff!important;
                  }


          .sage-button-alternate-lightbg-secondary-248 {
                background-color:#ffffff;
                display:inline-block;
                cursor:pointer;
                color:#008146;
                text-decoration:none;
                                  width: 184px;
           }
          .sage-button-alternate-lightbg-secondary-248 a{
                color:#ffffff;
          }
          .sage-button-alternate-lightbg-secondary-248:hover {
                background-color:#006234;
          }
          .sage-button-alternate-lightbg-secondary-248 a:hover {
                color:#ffffff!important;
                  }



                                /* ////////////////////dark buttons ///////////////////////////*/




          .sage-button-darkbg-primary-248 {
                background-color:#ffffff;
                display:inline-block;
                cursor:pointer;
                color:#000000;
                text-decoration:none;
                                  width: 184px;
           }
          .sage-button-darkbg-primary-248 a{
                color:#e2e2e2;
          }
          .sage-button-darkbg-primary-248:hover {
                background-color:#e2e2e2;
          }
          .sage-button-darkbg-primary-248 a:hover {
                color:#000000!important;
                  }




                           .sage-button-darkbg-secondary-248 {
                background-color:#000000;
                display:inline-block;
                cursor:pointer;
                color:#ffffff;
                text-decoration:none;
                                  width: 184px;
           }
          .sage-button-darkbg-secondary-248 a{
                color:#e2e2e2;
          }
          .sage-button-darkbg-secondary-248:hover {
                background-color:#e2e2e2;
          }
          .sage-button-darkbg-secondary-248 a:hover {
                color:#000000!important;
                  }



          .sage-button-alternate-darkbg-primary-248 {
                background-color:#00d639;
                display:inline-block;
                cursor:pointer;
                color:#000000 !importantimportant;
                text-decoration:none;
                                  width: 184px;
           }
          .sage-button-alternate-darkbgprimary-248 a{
                color:#ffffff;
          }
          .sage-button-alternate-darkbg-primary-248:hover {
                background-color:#A4FBC2;
          }
          .sage-button-alternate-darkbg-primary-248 a:hover {
                color:#000000!important;
                  }




          .sage-button-alternate-darkbg-secondary-248 {
                background-color:#000000;
                display:inline-block;
                cursor:pointer;
                color:#ffffff;
                text-decoration:none;
                                  width: 184px;
           }
          .sage-button-alternate-darkbg-secondary-248 a{
                color:#ffffff;
          }
          .sage-button-alternate-darkbg-secondary-248:hover {
                background-color:#A4FBC2;
          }
          .sage-button-alternate-darkbg-secondary-248 a:hover {
                color:#000000!important;
                  }








                          /* ///////////////////////////////////////////////////////--




          /* Button style */
          .sage-button {
                background-color:#00D639;
                display:inline-block;
                cursor:pointer;
                color:#000000;
                text-decoration:none;
                                  width: 516px;
           }
          .sage-button a{
                color:#ffffff;
          }
          .sage-button:hover {
                background-color:#A4FBC2;
          }
          .sage-button a:hover {
                color:#000000!important;

          }
          .sage-button-white {
                background-color:#ffffff;
                display:inline-block;
                cursor:pointer;
                color:#000000;
                text-decoration:none;
                width:184px;
          }
           .sage-button-white a{
                background-color:#ffffff !important;
                                  color: #000000 !important;
          }
          .sage-button-white:hover a {
                background-color:#303030 !important;
                                  color: #ffffff !important;
          }

                         .sage-button-white:hover {
           background-color:#303030 !important;
                                  color: #ffffff !important;

          }
          .sage-button-white a:hover{
                background-color:#303030 !important;

          }

          .sage-button-black {
                background-color: #000000;
                display:inline-block;
                cursor:pointer;
                color:#ffffff;
                text-decoration:none;
                width:184px;
          }
          .sage-button-black a{
                color:#000000;
          }
          .sage-button-black:hover {
                background-color:#ffffff;
          color:#000000;
          }
          .sage-button-black a:hover{
                color:#000000 !important;
          }


          .sage-trans-button {
                background-color:transparent;
                display:inline-block;
                cursor:pointer;
                color:#009900;
                text-decoration:none;
                border-color: #009900;
                border-style: solid;
                border-width: 1px;
                width:232px;
          }

          .sage-button:active, .sage-button-white:active {
                position:relative;
                top:1px;
          }
          .SBC-icons{
                /*height:170px;*/
                height:125px;
                display: block!important;
                padding: 0px!important;
          }
          a.SBC-icon-title:link{
                text-align:center;
                color: #004b87;
                font-size: 20px;
                font-weight: 300;
          }
          .SBC-icon-title{
                text-align:center;
                color: #004b87;
                font-size: 20px;
                font-weight: 300;
          }

                        h4 {
                  font-size: 36px;
                  font-family: 'Sage-Headline-Medium', Helvetica, Roboto, Segoe UI, Arial, SansSerif;
                  line-height: 43.2px !important;
                }
                h5 {
                  font-size: 36px;
                  font-family: 'Sage-Headline-Medium', Helvetica, Roboto, Segoe UI, Arial, SansSerif;
                  line-height: 43.2px !important;

                                        padding: 0px;

                }

          /* Media query: scale from 600px to 480px break point */
          @media screen and (max-width: 600px) {

                                                  .text_center
                                                  {
                                                                  text-align: center !important;
                                                  }

                                                  .center
                                                  {
                                                                  margin-left: auto !important;
                                                                  margin-right: auto !important;
                                                                  text-align: center !important;
                                                  }

                                   .content {
                  padding-left: 40px !important;
                  padding-right: 40px !important;
                }

                                  h1 {
                  font-size: 36px;
                  font-family:  'Sage-Headline-Black', Helvetica, Arial;
                  line-height: 43.2px !important;
                }
                h2 {
                  font-size: 36px;
                  font-family:  'Sage-Headline-Black', Helvetica, Arial;
                  line-height: 43.2px !important;
          font-weight: 900;
                                        padding: 0px;

                }
                h3 {
                  font-size: 16px;
                  font-family:  'Sage-Headline-Black', Helvetica, Arial;
                }

                                  h4 {
                  font-size: 36px;
                  font-family: 'Sage-Headline-Medium', Helvetica, Roboto, Segoe UI, Arial, SansSerif;
                  line-height: 43.2px !important;
                }
                h5 {
                  font-size: 36px;
                  font-family: 'Sage-Headline-Medium', Helvetica, Roboto, Segoe UI, Arial, SansSerif;
                  line-height: 43.2px !important;
          font-weight: 900;
                                        padding: 0px;

                }


                .img-max {
                  width: 100% !important;
                  max-width: 100% !important;
                  height: auto !important;
                  min-width: 100px !important;
                }
                .img-max-center {
                  width: 100% !important;
                  max-width: 100% !important;
                  height: auto !important;
                  min-width: 100px !important;
                  text-align: center !important;
                  float: none !important;
                  margin: 0 auto !important;
                  padding: 0 !important;
                }
                .img-max-pad-top {
                  width: 100% !important;
                  max-width: 100% !important;
                  height: auto !important;
                  min-width: 100px !important;
                  padding-top: 10px !important;
                }
                .container {
                  width: 100% !important;
                  max-width: 600px !important;
                  height: auto !important;
                  min-width: 0 !important;
                }
                .img-pad-top {
                  padding-top: 10px;
                }
                .pad-bottom {
                  padding-bottom: 20px;
                }
                .pad-bottom-center {
                  padding-bottom: 20px;
                  margin-left: auto !important;
                  margin-right: auto !important;
                }
                .extra-marg-bottom {
                  margin-bottom: 30px !important;
                }
                .no-pad-bottom {
                  padding-bottom: 0px !important;
                }
                .no-pad-bottom-center {
                  padding-bottom: 0px !important;
                  margin-left: auto !important;
                  margin-right: auto !important;
                  float: none !important;
                }
                .text-center-right {
                  text-align: center !important;
                  padding-right: 20px !important;
                  padding-left: 0px !important;
                }
                .text-center-right-pad {
                  text-align: center !important;
                  padding-left: 0px !important;
                }
                .center-table {
                  text-align: center !important;
                }
                .text-center {
                  text-align: center !important;
                }
                .text-center-75 {
                  text-align: center !important;
                  max-width: 75% !important;
                }
                .ul-style {
                  padding-left: 20px !important;
                }

                .max-width-remove-height {
                  max-width: 100% !important;
                  width: 100% !important;

                  height: auto !important;
                }
                .max-width-center {
                  max-width: 100% !important;
                  width: 100% !important;
                  text-align: center !important;
                  margin: 0 !important;
                  padding: 0 !important;
                }
                .max-width-pad {
                  max-width: 100% !important;
                  width: 100% !important;
                  margin-bottom: 12px !important;
                }



                                        .max-width-pad-no-margin {
                  max-width: 100% !important;
                  width: 100% !important;

                }



                .max-width-top-pad {
                  max-width: 100% !important;
                  width: 100% !important;
                  margin-top: 20px !important;
                }


                .max-width-no-pad-l {
                  max-width: 100% !important;
                  width: 100% !important;
                  padding-left:0 !important;
                }


                .max-width-no-pad-a {
                  max-width: 100% !important;
                  width: 100% !important;
                  padding-left:0 !important;
                  padding-right:0 !important;
                  padding-bottom:0 !important;
                }
                .max-width-center-pad {
                  max-width: 100% !important;
                  width: 100% !important;
                  text-align: center !important;
                  margin: 0 auto !important;
                  margin-bottom: 30px !important;
                }
                .mobile-wrapper {
                  width: 90% !important;
                  max-width: 90% !important;
                }
                .mobile-padding {
                  padding-left: 5% !important;
                  padding-right: 5% !important;
                }
                .fix-margin {
                  margin-top: 0px;
                  padding-top: 0px;
                }
                .mobile-center {
                  text-align: center !important;
                  padding-bottom: 5px !important;
                }
                .mobile-stacked {
                  padding-top: 12px !important;
                  padding-bottom: 12px !important;
                }
                .remove-height {
                  height: auto !important;
                }
                .remove-pad {
                  padding: 0px !important;
                }
                .content {
                  padding-left: 25px !important;
                  padding-right: 25px !important;
                }
                .sage_logo {
                  width: auto !important;
                  height: 32px !important;
                }
                .desktop-masthead {
                  width: 100% !important;
                  height: auto !important;
                }
                .img-center {
                  margin-left: auto !important;
                  margin-right: auto !important;
                }
                .two-col-icons{
                  width:50%!important;
                  height:50%!important;
                  display:block;
                }
                .quote-signature{
                  padding-left:10px!important;
                }
                .SBC-icons{
                  width:138px!important;
                  height:auto!important;
                }
                .content-SBC-icons {
                  padding-left: 40px !important;
                  padding-right: 40px !important;
                }
                .content-calendar{
                  padding: 15px 0 30px 14%;
                }

                /* Media query for mobile viewport
                * Developer:  hero graphics should be 2 x width for HD rendering.
                */
                @media only screen and (max-width: 480px){

                                                        .text_center
                                                  {
                                                                  text-align: center !important;
                                                  }

                                                  .center
                                                  {
                                                                  margin-left: auto !important;
                                                                  margin-right: auto !important;
                                                                  text-align: center !important;
                                                  }

                                        .content {
                  padding-left: 25px !important;
                  padding-right: 25px !important;
                }

                                        .remove-bold
                                        {
                                                   font-weight: 400;
                                        }
                  h1 {
                        font-size: 28px !important;
                        font-weight: 900;
                                  line-height: 33px !important;;
                  }
                  h2 {
                        font-size: 24px !important;
                        font-weight: 900;
                                  line-height: 28px !important;;
                  }
                  h3 {
                        font-size: 16px;
                        font-weight: bold;
                  }

                                         h4 {
                        font-size: 28px !important;
                        font-weight: 900;
                                  line-height: 33px !important;;
                  }
                  h5 {
                        font-size: 24px !important;
                        font-weight: 900;
                                  line-height: 28px !important;;
                  }

                                         .card2{
                                                   margin-right:auto !important;
                                                   margin-bottom: 40px !important;
                                                  margin-left:auto !important;
                                                   float: none !important;
                                   }

                                   .max-width-no-pad {
                  max-width: 100% !important;
                  width: 100% !important;
                  padding-left:0 !important;
                }

                  table[class=max-width-pad] {
                        max-width: 100% !important;
                        width: 100% !important;
                        padding-top: 15px !important;
                        height: auto !important;
                  }
                  table[class=max-width] {
                        max-width: 100% !important;
                        width: 100% !important;
                        height: auto !important;
                  }
                  table[class=container] {
                        margin: 0 auto !important;
                  }


                  .desktop-masthead {
                        display: none !important;
                  }
                  *[class].hidden. *[class=desktop-masthead] {
                        display: none !important;
                  }
                  *[class].elastic {
                        width: 100% !important;
                        height: auto !important;
                  }
                  *[class].centered {
                        text-align: center !important;
                  }
                  *[class].fluid, [class=fluid-mob] {
                        width: 100% !important;
                  }
                  [class=fluid-mob] {
                        position: relative;
                  }
                  .mobile-show {
                        display: table-cell !important;
                        width: auto !important;
                        height: auto !important;
                        max-height: none !important;
                        overflow: visible !important;
                        visibility: visible !important;
                        position: relative !important;
                        text-align: center !important;
                  }
                  .show-mob {
                        display: block !important;
                        max-height: none !important;
                        width: auto !important;
                        visibility: visible !important;
                  }
                  *[class].mob-masthead {
                        width: 100% !important;
                        display: block !important;
                        height: auto !important;
                        max-height: none !important;
                        padding: 0 !important;
                  }
                  *[class].mob-masthead-img {
                        position: absolute !important;
                        top: 0px !important;
                        display: block !important;
                        height: auto !important;
                        max-height: none !important;
                        padding: 0 !important;
                        width: auto !important;
                  }
                  [class=fluid-mob] {
                        display: table-cell !important;
                        width: auto !important;
                        height: auto !important;
                        max-height: none !important;
                        overflow: visible !important;
                        visibility: visible !important;
                        position: relative !important;
                        text-align: center !important;
                  }
                  .SBC-icons{
                        margin:2px;
                        height:auto!important;
                  }
                  .content-quote {
                        margin-top:20px
                  }
                  .quote-signature{
                        padding-left:0px!important;
                  }
                }


                .no-pad-bottom-center {
                  padding-bottom: 0px !important;
                  margin-left: auto !important;
                  margin-right: auto !important;
                  float: none !important;
                }


                .img-pad-top {
                  padding-top: 10px;
                }
                .no-pad-bottom-center {
                  padding-bottom: 0px !important;
                  margin-left: auto !important;
                  margin-right: auto !important;
                  float: none !important;
                }
                .no-pad-bottom-center {
                  padding-bottom: 0px !important;
                  margin-left: auto !important;
                  margin-right: auto !important;
                  float: none !important;
                }

                .text-center {
                  text-align: center !important;
                }
                .no-pad-bottom-center {
                  padding-bottom: 0px !important;
                  margin-left: auto !important;
                  margin-right: auto !important;
                  float: none !important;
                }

                .container {
                  width: 100% !important;
                  max-width: 600px !important;
                  height: auto !important;
                  min-width: 0 !important;
                }
                .img-center {
                  margin-left: auto !important;
                  margin-right: auto !important;
                }

                .remove-pad {
                  padding: 0px !important;
                }
                .sage_logo {
                  width: auto !important;
                  height: 32px !important;
                }
                .text-center-75 {
                  text-align: center !important;
                  max-width: 75% !important;
                }
                .ul-style {
                  padding-left: 20px !important;
                }






        </style>

        </head>
<body bgcolor="#1b1b1b" style="margin: 0 auto !important; padding: 0 !important; background-color: #1b1b1b; font-family: 'Sage-Headline-Black', Helvetica, Roboto, Segoe UI, Arial, SansSerif;  color:#000000; font-size: 16px"><div style="display:none;font-size:1px;color:#333333;line-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;">
    Dicas empresariais para não perder nada da atualidade empresarial
</div><div class="noView" style="text-align:center; color:#8E8A86; font-size:11px; font-family:Arial;">
<p align="center">Se tem problemas em visualizar este email, <a data-targettype="sysaction" href="https://app.go.sage.com/e/es?s=1265708786&e=9226905&elqTrackId=d3470e976688460f81940e354e9c2795&elq=de39139e3b3c40268f5575b37196a2b6&elqaid=111032&elqat=1&elqak=8AF57CBA9D0DAABCFF2CBC33A8857F42B5586192222887C88F9F182CB98DFE416547" style="color:#4178BE;" title="Ver la versión online"><span class="#aaaaaa hide_online" style="color:#aaaaaa !important;text-decoration:underline;">clique aqui</span></a>.</p>
</div>



        

                        <!--[if mso]>
                <style type="text/css">
                  body,
                  table,
                  td {
                        font-family:  Helvetica, Arial, sans-serif !important;
                  }
                </style>
          <![endif]-->

          <table border="0" bgcolor="#1b1b1b" cellpadding="0" cellspacing="0" width="100%" style="padding-top:0;padding-right:0px;padding-bottom:0px;padding-left:0px; mso-cellspacing: 0px; mso-padding-alt: 0px 0px 0px 0px; border-collapse:collapse; mso-table-lspace:0pt;mso-table-rspace:0pt; background-color: #1b1b1b">  <!-- This controls the BG color -->
                <tbody>
                  <tr>
                        <td align="center" style="text-align: center" class="">
                                                  <table bgcolor="#909090" border="0" cellpadding="0" cellspacing="0" align="center" width="600" style="display: table; width: 600px; background-color: #909090; margin: 0 auto !important; padding-top: 0px; padding: 0px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-collapse:collapse; " class="container">
                                <tbody>
                                  <tr>
                                        <td align="center" valign="top" class="max-width" width="100%" style=" font-size:0; padding-top: 0px; mso-padding-alt: 0px 0px 0px 0px;  !important;">
                                          <table bgcolor="#ffffff" border="0" cellpadding="0" cellspacing="0" align="center" width="600" style=" width: 600px;  background-color: #ffffff; mso-padding-alt: 0px 0px 0px 0px; margin: 0 auto !important; padding: 0px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-collapse:collapse; " class="container">
                                                <tbody>

                                                                                                   <!-- start of logo -->

                                                <tr>
                                                        <td bgcolor="#000000" align="center" style="background-color: #000000; padding: 16px 30px 16px 30px; mso-padding-alt: 18px 30px 18px 30px; line-height: 44px;" class="content">
                                                           <table cellspacing="0" border="0" align="center" style="background-color: #000000; padding: 0; margin: 0; padding-top:0;padding-right:0px;padding-bottom:0px;padding-left:0px; mso-cellspacing: 0px; mso-padding-alt: 0px 0px 0px 0px; border-collapse:collapse; mso-table-lspace:0pt;mso-table-rspace:0" bgcolor="#000000">
                                        <tbody><tr>
                                          <td align="center" valign="top">
                                                <a href="https://app.go.sage.com/e/er?utm_campaign=NPS_2607_NCA_PT_NewsletterSageAdviceApril_Email01NONSTO&utm_medium=email&utm_source=Eloqua&s=1265708786&lid=7401&elqTrackId=b3f9f3d1d3814d3ea55eed61bc9e5b1c&elq=de39139e3b3c40268f5575b37196a2b6&elqaid=111032&elqat=1&elqak=8AF5416329D3B38613EB7F5545284350EEDE6192222887C88F9F182CB98DFE416547" target="_blank">
                                                  <img src="https://images.go.sage.com/EloquaImages/clients/SageGlobalInstance/%7Bcb0ebe35-eb40-4b11-ba83-72f57b341ed4%7D_Sage_Logo_Brilliant_Green_RGB.png" width="120" border="0" alt="Sage" style="max-width: 120px; margin-left: auto !important; margin-right: auto !important; border-collapse:collapse; line-height: 44px;">
                                                </a>
                                          </td>
                                        </tr>
                                  </tbody></table>
                                                        </td>
                                                  </tr>

                                                                                  <!-- end of logo --><!-- Start: Q2 Hero - Photography with Headline & Primary CTA Below -->

                                                  <tr>
                                                        <td>
                                                          <table width="100%" cellpadding="0" cellspacing="0" border="0" class="fluid" style="margin: 0;padding-top:0;padding-right:0px;padding-bottom:0px;padding-left:0px; mso-cellspacing: 0px; mso-padding-alt: 0px 0px 0px 0px; border-collapse:collapse; mso-table-lspace:0pt;mso-table-rspace:0pt; background-color:#000000;">
                                                                <tbody>
                                                                  <tr>
                                                                        <td style="margin: 0;padding-top:0;padding-right:0px;padding-bottom:0px;padding-left:0px; mso-cellspacing: 0px; mso-padding-alt: 0px 0px 0px 0px; border-collapse:collapse; mso-table-lspace:0pt;mso-table-rspace:0pt">
                                                                        </td>
                                                                  </tr>
                                                                  <tr>
                                                                        <td align="center" valign="top" class="max-width" width="100%" style="font-size:0;  padding: 0px 0px 0px 0px; mso-padding-alt: 0px 0px 0px 0px;">

                                                                          <div data-cl-component="Banner21" data-cl-component-type="linked_image">
                                                                                <a href="https://app.go.sage.com/e/er?utm_campaign=NPS_2607_NCA_PT_NewsletterSageAdviceApril_Email01NONSTO&utm_medium=email&utm_source=Eloqua&s=1265708786&lid=39140&elqTrackId=181d94cf3cc14495b05df798bfb6a0b1&elq=de39139e3b3c40268f5575b37196a2b6&elqaid=111032&elqat=1&elqak=8AF566310F7043F64620FDBDDEA5ACA2A2AA6192222887C88F9F182CB98DFE416547" target="_blank"><img alt="Sage" border="0" src="https://images.go.sage.com/EloquaImages/clients/SageGlobalInstance/%7B895c97a1-cb08-4ff7-a019-8cb33bb3141c%7D_1200x600-Sage_33554.jpg" style="width:100%; max-width: 600px; height: auto; display: block; border-collapse:collapse;" width="600" class=""> </a>
                                                                          </div>
                                                                        </td>
                                                                  </tr>
                                                                </tbody>
                                                          </table>
                                                        </td>
                                                  </tr>
                                                  <tr bgcolor="#000000">
                                                        <td align="center" valign="top" style="padding: 32px 40px 24px 40px;  mso-padding-alt: 32px 40px 24px 40px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-collapse:collapse; background-color:#000000;" class="content">
                                                          <table align="left" border="0" cellpadding="0" cellspacing="0" width="100%" style="mso-cellspacing: 0px; mso-padding-alt: 0px; border-collapse:collapse">
                                                                <tbody>
                                                                  <tr>
                                                                        <td valign="top" align="left" style="font-family: font-family: 'Sage-Headline-Black', Helvetica, Roboto, Segoe UI, Arial, SansSerif;  ">
                                                                          <div class="">
                                                                                <div data-cl-component="C1" data-cl-component-type="restricted_text">
                                                                                  <h2 style=" text-align: center; font-weight: 900; font-size: 28px; line-height: 43.2px; color: #ffffff; display: block; margin: 0px" class=""> Esteja a par das últimas&nbsp;novidades </h2>
                                                                                </div>
                                                                          </div>
                                                                        </td>
                                                                  </tr>
                                                                </tbody>
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                                                        </td>
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  <strong><a href="https://app.go.sage.com/e/er?utm_campaign=NPS_2607_NCA_PT_NewsletterSageAdviceApril_Email01NONSTO&utm_medium=email&utm_source=Eloqua&s=1265708786&lid=39140&elqTrackId=b3dcd59289dc4e7a9841096c9339c741&elq=de39139e3b3c40268f5575b37196a2b6&elqaid=111032&elqat=1&elqak=8AF5538DD4326F5143B13EDD6C9D79A62D286192222887C88F9F182CB98DFE416547" target="_blank" style="font-size: 16px; color: #000000; text-decoration: none">Visite o blogue</a></strong>
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                                                 <!-- Start: C2 Standard Headline / Subhead / Paragraph Text with Bullets & Secondary CTA -->

                                                  <tr>
                                                        <td align="center" valign="top" style="padding: 32px 40px 32px 40px; mso-padding-alt: 32px 40px 32px 40px; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-collapse:collapse; background-color: #ffffff" class="content">
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                                                                        <td valign="top" align="left" style="font-family: 'Sage-Headline-Black', Helvetica, Roboto, Segoe UI, Arial, SansSerif; font-weight: 300; color: #000000; font-size: 16px; line-height: 30px;" class="">
                                                                          <div data-cl-component="C10" data-cl-component-type="restricted_text">
                                                                                <h2 style="font-size: 28px; font-weight: 900; margin: 0px 0px 16px 0px; line-height:33px; color: #000000; display: block" class="">Dicas empresariais para não perder nada da atualidade&nbsp;empresarial</h2>
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                                                                        </td>
                                                                  </tr>
                                                                  <tr>
                                                                        <td valign="top" align="left" style="line-height: 24px; font-family:  'Sage-Text', Helvetica, Arial; font-weight: 400; color: #000000; font-size: 16px;">
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                                                                                 <span>Olá </span><br><br>
                                                <span>Bem-vindo (a) à edição de 
abril da Newsletter Sage Advice. Nesta edição, vai encontrar ótimos conselhos incluindo :</span> <!--[if mso]>
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  <![endif]-->
                                                                                <ul class="ul-style" style="padding: 5px 0px 0px 0px; Margin: 10px 5px 20px 20px; text-align: left;  font-weight: 300;">
  <!-- END: HeaderStart -->
  <!-- START: StandardHeadlines -->
<li class="adjust-text"
        style="Margin: 10px 0 5px 10px; font-family: font-size: 16px; line-height: 22px; color: #000000">
        <!-- Start: SageArticleLink. -->
        <a href="https://app.go.sage.com/e/er?utm_campaign=NPS_2607_NCA_PT_NewsletterSageAdviceApril_Email01NONSTO&utm_medium=email&utm_source=Eloqua&s=1265708786&lid=97200&elqTrackId=b02b90fdeaa94469b0d7af459987abf8&elq=de39139e3b3c40268f5575b37196a2b6&elqaid=111032&elqat=1&elqak=8AF5369754A1ADB6D57D79AA17B6A44E9DB26192222887C88F9F182CB98DFE416547" style="font-size: 16px; font-weight: bold;  text-decoration: underline; color:#008146;" target="_blank">
                Como evitar erros centrais na entrega da declaração Modelo 22   </a>
        <!-- End: SageArticleLink. -->
</li>
<li class="adjust-text"
        style="Margin: 0px 0 5px 10px; font-family: font-size: 16px; line-height: 22px; color: #000000">
        <!-- Start: SageArticleLink. -->
        <a href="https://app.go.sage.com/e/er?utm_campaign=NPS_2607_NCA_PT_NewsletterSageAdviceApril_Email01NONSTO&utm_medium=email&utm_source=Eloqua&s=1265708786&lid=97199&elqTrackId=eaccadc4ac6d446f881ef9ca79d3a7fa&elq=de39139e3b3c40268f5575b37196a2b6&elqaid=111032&elqat=1&elqak=8AF5D76EAE9C7345CE9A549270E365674BF46192222887C88F9F182CB98DFE416547" style="font-size: 16px; font-weight: bold;  text-decoration: underline; color:#008146;" target="_blank">
                Gestão de horários: Como organizar turnos de forma eficiente na sua empresa     </a>
        <!-- End: SageArticleLink. -->
</li>
<!-- END: StandardHeadlines -->
<!-- START: HeaderEnd -->
</ul>
<!--[if mso]>
</div>
<![endif]--> <span>Boas leituras!<br><br>

A equipa de Sage Advice
</span>
</div>
</td>
</tr>

</tbody>
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                                                                                                <img src="https://www.sage.com/pt-pt/blog/wp-content/uploads/sites/15/2024/03/Sage_BrandShootNC_Feb2024_HR-Professionals_2126-350x350.jpg" style="width:100%; max-width: 252px;" alt="Sage" class="img-max" width="252" border="0">
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                                                        <tbody>
                                                                <tr>
                                                                        <td style="font-family: 'Sage-Text', Helvetica, Roboto, Segoe UI, Arial, SansSerif; color: #000000; font-size: 16px; line-height: 24px; font-weight: 400;" class="max-width-no-pad-l" width="100%" valign="top">
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                                                                                        <!-- Start: SageArticleTitle. -->
                                                                                        <h3 style="font-size: 16px; font-weight: 700; margin: 0px 0px; line-height: 24px; border-style: none; ">Como evitar erros centrais na entrega da declaração Modelo 22</h3>
                                                                                        <!-- Start: SageArticleTitle. -->
                                                                                        <br>
                                                                                        <!-- Start: SageArticleExcerpt. -->
                                                                                        <span>Evite erros na declaração Modelo 22. Saiba como corrigi-los e garantir a aceitação da sua entrega pela AT. Evite coimas e penalizações.</span>
                                                                                        <!-- End: SageArticleExcerpt. -->
                                                                                        <br>
                                                                                        <br>
                                                                                        <!-- Start: SageArticleLink. -->
                                                                                        <a href="https://app.go.sage.com/e/er?utm_campaign=NPS_2607_NCA_PT_NewsletterSageAdviceApril_Email01NONSTO&utm_medium=email&utm_source=Eloqua&s=1265708786&lid=97200&elqTrackId=fd7976e123dd452e99147ba7b3b1f679&elq=de39139e3b3c40268f5575b37196a2b6&elqaid=111032&elqat=1&elqak=8AF561D54D6B05CB3DE845A9FD83A5645A1D6192222887C88F9F182CB98DFE416547" style="font-size: 16px; font-weight: bold;  text-decoration: underline; color:#008146;" target="_blank">Saiba mais</a>
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                                                        <tbody>
                                                                <tr>
                                                                        <td style="font-family: 'Sage-Headline-Black', Helvetica, Roboto, Segoe UI, Arial, SansSerif;  font-weight: 300; color: #000000; font-size: 16px; " class="text-center" width="100%" valign="top" align="left">
                                                                                <!-- image width should be no greater than 252px -->
                                                                                <div data-cl-component="Banner10" data-cl-component-type="linked_image">
                                                                                        <a href="https://app.go.sage.com/e/er?utm_campaign=NPS_2607_NCA_PT_NewsletterSageAdviceApril_Email01NONSTO&utm_medium=email&utm_source=Eloqua&s=1265708786&lid=97199&elqTrackId=14eb6719554d42e68ef79268e2cb2088&elq=de39139e3b3c40268f5575b37196a2b6&elqaid=111032&elqat=1&elqak=8AF5BE15619F9309C8B2AD3F8F5F53CDE1016192222887C88F9F182CB98DFE416547" target="_blank">
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                                                                                        </a>
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                                                        <tbody>
                                                                <tr>
                                                                        <td style="font-family: 'Sage-Text', Helvetica, Roboto, Segoe UI, Arial, SansSerif; color: #000000; font-size: 16px; line-height: 24px;  mso-padding-alt: 0px 0px 0px 8px; padding: 0px 0px 0px 8px;" class="max-width-no-pad-l" width="100%" valign="top">
                                                                                <div data-cl-component="C118" data-cl-component-type="restricted_text">
                                                                                        <!-- Start: SageArticleTitle. -->
                                                                                        <h3 style="font-size: 16px; font-weight: 700; margin: 0px 0px; line-height: 24px; border-style: none; ">Gestão de horários: Como organizar turnos de forma eficiente na sua empresa</h3>
                                                                                        <!-- Start: SageArticleTitle. -->
                                                                                        <br>
                                                                                        <!-- Start: SageArticleExcerpt. -->
                                                                                        <span>Melhore a gestão de horários da sua empresa com estratégias práticas para organizar turnos e aumentar a eficiência do seu negócio.</span>
                                                                                        <!-- End: SageArticleExcerpt. -->
                                                                                        <br>
                                                                                        <br>
                                                                                        <!-- Start: SageArticleLink. -->
                                                                                        <a class="ab_editable" href="https://app.go.sage.com/e/er?utm_campaign=NPS_2607_NCA_PT_NewsletterSageAdviceApril_Email01NONSTO&utm_medium=email&utm_source=Eloqua&s=1265708786&lid=97199&elqTrackId=8f559ea82bcb4d34a2558c853491d503&elq=de39139e3b3c40268f5575b37196a2b6&elqaid=111032&elqat=1&elqak=8AF567F17BD38DC3FA269EB75CD697B3B6DC6192222887C88F9F182CB98DFE416547" style="font-size: 16px; font-weight: bold;  text-decoration: underline; color:#008146;" target="_blank">Saiba mais</a>
                                                                                        <!-- End: SageArticleLink. -->
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                                                                                        <h3 style="font-size: 16px; font-weight: 700; margin: 0px 0px; line-height: 24px; border-style: none; ">Software de gestão ou software de faturação: 5 perguntas essenciais para entender as diferenças</h3>
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                                                                                        <span>Descubra as diferenças entre software de gestão e software de faturação e qual se adequa melhor ao seu caso.</span>
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