-
Notifications
You must be signed in to change notification settings - Fork 0
/
post12.html
559 lines (487 loc) · 22.4 KB
/
post12.html
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
154
155
156
157
158
159
160
161
162
163
164
165
166
167
168
169
170
171
172
173
174
175
176
177
178
179
180
181
182
183
184
185
186
187
188
189
190
191
192
193
194
195
196
197
198
199
200
201
202
203
204
205
206
207
208
209
210
211
212
213
214
215
216
217
218
219
220
221
222
223
224
225
226
227
228
229
230
231
232
233
234
235
236
237
238
239
240
241
242
243
244
245
246
247
248
249
250
251
252
253
254
255
256
257
258
259
260
261
262
263
264
265
266
267
268
269
270
271
272
273
274
275
276
277
278
279
280
281
282
283
284
285
286
287
288
289
290
291
292
293
294
295
296
297
298
299
300
301
302
303
304
305
306
307
308
309
310
311
312
313
314
315
316
317
318
319
320
321
322
323
324
325
326
327
328
329
330
331
332
333
334
335
336
337
338
339
340
341
342
343
344
345
346
347
348
349
350
351
352
353
354
355
356
357
358
359
360
361
362
363
364
365
366
367
368
369
370
371
372
373
374
375
376
377
378
379
380
381
382
383
384
385
386
387
388
389
390
391
392
393
394
395
396
397
398
399
400
401
402
403
404
405
406
407
408
409
410
411
412
413
414
415
416
417
418
419
420
421
422
423
424
425
426
427
428
429
430
431
432
433
434
435
436
437
438
439
440
441
442
443
444
445
446
447
448
449
450
451
452
453
454
455
456
457
458
459
460
461
462
463
464
465
466
467
468
469
470
471
472
473
474
475
476
477
478
479
480
481
482
483
484
485
486
487
488
489
490
491
492
493
494
495
496
497
498
499
500
501
502
503
504
505
506
507
508
509
510
511
512
513
514
515
516
517
518
519
520
521
522
523
524
525
526
527
528
529
530
531
532
533
534
535
536
537
538
539
540
541
542
543
544
545
546
547
548
549
550
551
552
553
554
555
556
557
558
559
<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="utf-8">
<meta http-equiv="X-UA-Compatible" content="IE=edge">
<meta name="viewport" content="width=device-width, initial-scale=1">
<!-- The above 3 meta tags *must* come first in the head; any other head content must come *after* these tags -->
<meta name="description" content="">
<meta name="author" content="deveshbinjola">
<meta name="twitter:card" content="summary" />
<meta name="twitter:site" content="@deveshbinjola" />
<meta name="twitter:site" content="@thtravelstudent" />
<meta name="twitter:creator" content="@deveshbinjola" />
<meta property="og:type" content="website" />
<meta property="og:url" content="http://thetravelstudent.com/post12" />
<meta property="og:title" content="The Battle of the best" />
<meta property="og:description" content= "With American Express making changes to its Platinum Card now makes all the top three high end credit card companies to make changes to its top product in the last 1 year. Today I am trying to evaluate which one is the best card among the best. Check out the best high end credit cards."/>
<meta property="og:image" content="http://thetravelstudent.com/Image/top3.png" />
<link rel="alternate" type="application/rss+xml" title="TheTravelStudent » Feed" href="http://feeds.feedburner.com/TheTravelStudent" />
<meta property="fb:app_id" content="656115341234604" />
<link rel="icon" href="/favicon.ico" type="image/x-icon" />
<title>The Battle of the best</title>
<!-- Bootstrap core CSS -->
<link href="bootstrap.min.css" rel="stylesheet">
<link rel="stylesheet" href="http://maxcdn.bootstrapcdn.com/font-awesome/4.2.0/css/font-awesome.min.css">
<link href="blog.css" rel="stylesheet">
</head>
<body>
<script>
window.fbAsyncInit = function() {
FB.init({
appId : '656115341234604',
xfbml : true,
version : 'v2.8'
});
FB.AppEvents.logPageView();
};
(function(d, s, id){
var js, fjs = d.getElementsByTagName(s)[0];
if (d.getElementById(id)) {return;}
js = d.createElement(s); js.id = id;
js.src = "http://connect.facebook.net/en_US/sdk.js";
fjs.parentNode.insertBefore(js, fjs);
}(document, 'script', 'facebook-jssdk'));
</script>
<nav class="navbar navbar-default navbar-inverse">
<div class="container">
<div class="container-fluid">
<!-- Brand and toggle get grouped for better mobile display -->
<div class="navbar-header">
<button type="button" class="navbar-toggle collapsed" data-toggle="collapse" data-target="#bs-example-navbar-collapse-1" aria-expanded="false">
<span class="sr-only">Toggle navigation</span>
<span class="icon-bar"></span>
<span class="icon-bar"></span>
<span class="icon-bar"></span>
</button>
<a class="navbar-brand" href="index">The Travel Student</a>
</div>
<!-- Collect the nav links, forms, and other content for toggling -->
<div class="collapse navbar-collapse" id="bs-example-navbar-collapse-1">
<ul class="nav navbar-nav navbar-right">
<li><a href="students">Students</a>
<li><a href="top">Credit Cards</a></li>
<li><a href="travelreports">Travel Reports</a></li>
<li><a href="about">About</a></li>
</ul>
</div><!-- /.navbar-collapse -->
</div><!-- /.container-fluid -->
</div>
</nav>
<div class="container">
<div class="blog-header">
<h1 class="blog-title">The battle of the best.</h1>
</div>
<div class="row">
<div class="col-sm-8 blog-main">
<div class="blog-post">
<h2 class="blog-post-title">Check out the best high end credit cards.</h2>
<p class="blog-post-meta">March 03, 2017 by <a href="index">The Travel Student</a></p>
<!-- Sharing Buttons -->
<a href="https://twitter.com/share" class="twitter-share-button" data-show-count="false">Tweet</a><script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>
<div
class="fb-like"
data-share="true"
data-width="450"
data-show-faces="true">
</div>
<!-- Sharing buttons END -->
<a href="http://feeds.feedburner.com/TheTravelStudent" rel="alternate" type="application/rss+xml"><img src="http://feedburner.google.com/fb/images/pub/feed-icon16x16.png" alt="" style="vertical-align:middle;border:0"/></a> <a href="http://feeds.feedburner.com/TheTravelStudent" rel="alternate" type="application/rss+xml">Subscribe RSS</a>
<p>With American Express making changes to its Platinum Card now makes all the top three high end credit card companies to make changes to its top product in the last 1 year. Today I am trying to evaluate which one is the best card among the best.
<br>
<h4><b>Which cards are being evaluated?</b></h4>
<ul>
<li><a href="https://creditcards.chase.com/credit-cards/chase-sapphire-reserve?CELL=6TKX">Chase Sapphire Reserve</a></li>
<li><a href="https://www.americanexpress.com/us/credit-cards/card/platinum/25330?linknav=US-Acq-CCSG-Cardmember-VAC-Platinum-ViewCardDetails">Platinum Card by American Express</a></li>
<li><a href="https://www.citi.com/credit-cards/credit-card-details/citi.action?ID=citi-thankyou-premier-credit-card&category=view-all-credit-cards&afc=1C2&intc=7~7~67~1~MCT~1~CMSDefaultOffer~4MMZ5QD711C2111111W">Citi Prestige Card</a></li>
</ul>
<br>
<center><img src="Image/top3.png" class="img-responsive">
<div class="lower">
The battle of the best.
</div>
</center>
<br>
<h4><b>Annual Fee vs Earning?</b></h4>
<p>The annual fees of the top cards is $450 for CSR and Prestige whereas annual fee of Platinum has been increased to $550. All three cards have different bonus categories.</p>
<table class="table table-striped">
<thead class="thead">
<tr>
<th></th>
<th><center>Chase Sapphire Reserve</center></th>
<th><center>AMEX Platinum Card</center></th>
<th><center>Citi Prestige</center></th>
</tr>
</thead>
<tbody>
<tr>
<th scope="row">Annual Fee</th>
<td><center>$450</center></td>
<td><center>$550</center></td>
<td><center>$450</center></td>
</tr>
<tr>
<th scope="row">Airfare & Hotels</th>
<td><center>3x (Includes all travel purchases)</center></td>
<td><center>5x (purchased through airlines/ Amex portal)</center></td>
<td><center>3x (Includes all travel purchases)</center></td>
</tr>
<tr>
<th scope="row">Dining</th>
<td><center>3x</center></td>
<td><center>1x</center></td>
<td><center>2x</center></td>
</tr>
<tr>
<th scope="row">Entertainment</th>
<td><center>1x</center></td>
<td><center>1x</center></td>
<td><center>2x</center></td>
</tr>
<tr>
<th scope="row">Others</th>
<td><center>1x (1.5x with Freedom Unlimited)</center></td>
<td><center>1x</center></td>
<td><center>1x</center></td>
</tr>
</tbody>
</table>
<p>I believe CSR has the best bonus earning ratios among all three cards pre-dominantly because of its 3x points on travel (includes hotels, public transport, flights, car rentals, Uber/Lyft and more) and dining. Though CSR has one more unique feature of linking with <b>Chase Freedom Unlimited</b>, which gives 1.5 points on all the purchases.<br>AMEX Platinum has a nice 5x of Airfare and Hotels but that should be purchased directly with airlines or from the AMEX travel portal which I believe is rubbish as there are very few people who book flights/hotels directly through their websites. AMEX also have a disadvantage on having $550 as their annual fee(which they changed recently).<br>Citi almost have the same rewards like CSR but have 2x on dining though they 2x on entertainment purchases as well.</p>
<p><b>Winner:</b> Chase Sapphire Reserve</p>
<p><b>Runner Up:</b> AMEX Platinum Card</p>
<br>
<center><img src="Image/chasereserve.jpg" class="img-responsive">
<div class="lower">
Chase Sapphire Reserve.
</div>
</center>
<br>
<p>Lets compare these bonus categories on purchases, assuming $5000 on travel, $2500 on dining, $1000 on entertainment and $10000 on other expenses.</p>
<table class="table table-striped">
<thead class="thead">
<tr>
<th></th>
<th><center>Chase Sapphire Reserve</center></th>
<th><center>AMEX Platinum Card</center></th>
<th><center>Citi Prestige</center></th>
</tr>
</thead>
<tbody>
<tr>
<th scope="row">Airfare & Hotels</th>
<td><center>15000 </center></td>
<td><center>25000 </center></td>
<td><center>15000 </center></td>
</tr>
<tr>
<th scope="row">Dining</th>
<td><center>15000</center></td>
<td><center>5000</center></td>
<td><center>10000</center></td>
</tr>
<tr>
<th scope="row">Entertainment</th>
<td><center>1000</center></td>
<td><center>1000</center></td>
<td><center>2000</center></td>
</tr>
<tr>
<th scope="row">Others</th>
<td><center>15000 </center></td>
<td><center>10000</center></td>
<td><center>10000</center></td>
</tr>
<tr>
<th scope="row">Total</th>
<td><center><b>46000</b></center></td>
<td><center>41000</center></td>
<td><center>37000</center></td>
</tr>
</tbody>
</table>
<p><b>Winner:</b> Chase Sapphire Reserve</p>
<p><b>Runner Up:</b> AMEX Platinum Card</p>
<br>
<center><img src="Image/premier.png" class="img-responsive">
<div class="lower">
Citi Premier.
</div>
</center>
<br>
<h4><b>Sign Up Bonus, APR and Additional Card Fee</b></h4>
<p>Sign up bonuses are a big factor for choosing the best cards. AMEX Platinum and Citi Prestige have always been on the slow side here. Though we sometimes see huge sign up bouses for Platinum cards but its very rare. CSR had 100,000 points offer till January 12,2017 and still has it in branch till Mar 12,2017. </p>
<table class="table table-striped">
<thead class="thead">
<tr>
<th></th>
<th><center>Chase Sapphire Reserve</center></th>
<th><center>AMEX Platinum Card</center></th>
<th><center>Citi Prestige</center></th>
</tr>
</thead>
<tbody>
<tr>
<th scope="row">Sign up Bonus</th>
<td><center><b>50,000 (100,000 in branch)</b></center></td>
<td><center>40,000</center></td>
<td><center>40,000</center></td>
</tr>
<tr>
<th scope="row">APR</th>
<td><center>16.49% to 23.49%</center></td>
<td><center>0 (Have to pay in full)</center></td>
<td><center>15.74%</center></td>
</tr>
<tr>
<th scope="row">Additional Card Fee</th>
<td><center>$75</center></td>
<td><center>$175 (for upto 3 cards)</center></td>
<td><center><b>$50</b></center></td>
</tr>
</tbody>
</table>
<p><b>Winner:</b> Chase Sapphire Reserve</p>
<p><b>Runner Up:</b> AMEX Platinum Card</p>
<br>
<br>
<h4><b>Annual Travel Credit and Lounge Pass</b></h4>
<p>The high end credit card gives some huge perks on travel. <b>CSR</b> offers $300 travel credit which can be redeemed for any travel purchase. Amex Platinum and Citi Prestige offers $200 and $250 in Airline fee credit which can be redeemed in anything purchased directly with airlines you choose or <a href="post6">Check this way to redeem it.</a> Amex Platinum now also offers $200 in Uber Credits ($15/month and $20 at the end of the year), which is good for someone who uses Uber a lot. But I am afraid, people having Amex Platinum Card uses Uber that often unless they live in big city like San Francisco or New York.</p>
<table class="table table-striped">
<thead class="thead">
<tr>
<th></th>
<th><center>Chase Sapphire Reserve</center></th>
<th><center>AMEX Platinum Card</center></th>
<th><center>Citi Prestige</center></th>
</tr>
</thead>
<tbody>
<tr>
<th scope="row">Annual Travel Credit</th>
<td><center>$300 (on any travel purchase)</center></td>
<td><center><b>$200 (Uber) + $200 (Air Travel Credit)</b></center></td>
<td><center>$250 (Air Travel Credit)</center></td>
</tr>
<tr>
<th scope="row">VIP Lounges Membership</th>
<td><center>Priority Pass Select</center></td>
<td><center>Global Lounge collection</center></td>
<td><center>Priority Pass Select</center></td>
</tr>
<tr>
<th scope="row">No. of Lounges</th>
<td><center>900+</center></td>
<td><center><b>1000+</b></center></td>
<td><center>900+</center></td>
</tr>
<tr>
<th scope="row">Guest Free Access</th>
<td><center>All guests in your travel party</center></td>
<td><center><b>2</b></center></td>
<td><center>2</center></td>
</tr>
</tbody>
</table>
<p><b>Winner:</b> AMEX Platinum Card</p>
<p><b>Runner Up:</b> Chase Sapphire Reserve</p>
<br>
<center><img src="Image/newplatinum.png" class="img-responsive">
<div class="lower">
The new AMEX Platinum Card with metal design.
</div>
</center>
<br>
<h4><b>Travel Partners</b></h4>
<p>By travel partners I mean, to which airlines or hotels you can transfer your points.</p>
<table class="table table-striped">
<thead class="thead">
<tr>
<th><center>Chase Sapphire Reserve</center></th>
<th><center>AMEX Platinum Card</center></th>
<th><center>Citi Prestige</center></th>
</tr>
</thead>
<tbody>
<tr>
<td><center>British Airways</center></td>
<td><center>British Airways</center></td>
<td><center>Eva Air</center></td>
</tr>
<tr>
<td><center>Singapore Airlines</center></td>
<td><center>Singapore Airlines</center></td>
<td><center>Singapore Airlines</center></td>
</tr>
<tr>
<td><center>Flying Blue</center></td>
<td><center>Flying Blue</center></td>
<td><center>Flying Blue</center></td>
</tr>
<tr>
<td><center>Korean Air</center></td>
<td><center>Air Canada</center></td>
<td><center>Asia Miles</center></td>
</tr>
<tr>
<td><center>Southwest</center></td>
<td><center>ANA</center></td>
<td><center>Virgin America</center></td>
</tr>
<tr>
<td><center>United</center></td>
<td><center>Emirates</center></td>
<td><center>Malaysia Airlines</center></td>
</tr>
<tr>
<td><center>Virgin Atlantic</center></td>
<td><center>Etihad</center></td>
<td><center>Etihad</center></td>
</tr>
<tr>
<td><center>Hyatt</center></td>
<td><center>Air Mexico</center></td>
<td><center>Qatar Airways</center></td>
</tr>
<tr>
<td><center>IHG</center></td>
<td><center>Virgin America</center></td>
<td><center>Garuda Indonesia</center></td>
</tr>
<tr>
<td><center>Marriott</center></td>
<td><center>Jet Blue</center></td>
<td><center>Royal Orchid Plus</center></td>
</tr>
<tr>
<td><center>Ritz Carlton</center></td>
<td><center>Hilton</center></td>
<td><center>Hilton</center></td>
</tr>
<tr>
<td><center></center></td>
<td><center>SPG</center></td>
<td><center></center></td>
</tr>
</tbody>
</table>
<h3><b>Conclusion:</b></h3>
<p>At last, it all depends on what categories you spend most. Analysing all the feautures and benefits of the three cards, I believe best high end credit card will be <b>Chase Sapphire Reserve</b> for regular users. Mostly because of its $300 travel credit, which brings the annual fee to almost $150. <b>Also having Chase Freedom Unlimited with CSR will make it the best card available.</b> <br>Although American Express have made some great changes to Platinum Card which brings it close enough to CSR. But their 5x bonus on airfare is rubbish as there are very few people who book flights directly through airlines. I also believe that Citi Prestige is far away from the race of the best as to compete with Chase and AMEX, Citi has to make some big changes to its card.</p>
<p><b>Winner:</b> Chase Sapphire Reserve </p>
<p><b>Runner Up:</b> AMEX Platinum Card</p>
</div><!-- /.blog-post -->
<nav>
<ul class="pager">
<li><a href="post10">Previous</a></li>
<li><a href="post12">Next</a></li>
</ul>
</nav>
<div id="disqus_thread"></div>
</div><!-- /.blog-main -->
<div class="col-sm-4 blog-sidebar">
<div class="sidebar-module sidebar-module-inset">
<form style="padding:3px;text-align:center;" action="https://feedburner.google.com/fb/a/mailverify" method="post" target="popupwindow" onsubmit="window.open('https://feedburner.google.com/fb/a/mailverify?uri=TheTravelStudent', 'popupwindow', 'scrollbars=yes,width=550,height=520');return true"><p>Enter your email address:</p><p><input type="text" style="width:180px" name="email"/></p><input type="hidden" value="TheTravelStudent" name="uri"/><input type="hidden" name="loc" value="en_US"/><input type="submit" value="Subscribe" /><p>Delivered by <a href="https://feedburner.google.com" target="_blank">FeedBurner</a></p></form>
</div>
<div class="sidebar-module sidebar-module-inset">
<h4>About</h4>
<p>The main purpose of this website is to tell people how they can Travel around the world at a minimum price using points and miles and other useful offers. Also helping out students in building and understanding credit and do things that you would have never imagined.</p>
</div>
<!-- Hot Deals-->
<div class="sidebar-module sidebar-module-inset">
<div class ="myPanel">
<a href="top10cards"><div class ="heading"><p> TOP SIGNUP BONUS </p></div></a>
<div class ="body">
<a href="https://creditcards.chase.com/credit-cards/chase-sapphire-reserve?CELL=6TKX">
<div class="cards"><img src="Image/chasereserve.jpg" align="left" alt="Card Type" width="70" /><b>Chase Sapphire Reserve</b><br />
100,000 Ultimate Rewards</div>
</a>
<hr>
<a href="https://applynow.chase.com/FlexAppWeb/renderApp.do?PID=CFFD2&SPID=FHRJ&CELL=600G&MSC=1523617955">
<div class="cards"><img src="Image/sapphire.png" align="left" alt="Card Type" width="70" /><b> Chase Sapphire Preferred</b><br />
50,000 Ultimate Rewards</div>
</a>
<hr>
<a href="https://www.americanexpress.com/us/credit-cards/card/starwood-preferred-guest/25330?linknav=US-Acq-CCSG-Cardmember-VAC-SPG-ViewCardDetails">
<div class="cards"><img src="Image/spg.png" align="left" alt="Card Type" width="70" /><b>Starwood Preferred Guest</b><br />
35,000 SPG Points</div>
</a>
<hr>
<a href="https://creditcards.chase.com/credit-cards/chase-freedom-unlimited?CELL=6TKX">
<div class="cards"><img src="Image/freedomunlimited.png" align="left" alt="Card Type" width="70" /><b>Chase Freedom Unlimited</b><br />
15,000 Ultimate Rewards/$150</div>
</a>
<hr>
<a href="https://creditcards.chase.com/credit-cards/small-business/ink-business-preferred?CELL=6TKX">
<div class="cards"><img src="Image/inkplus.png" align="left" alt="Card Type" width="70" /><b>Chase Ink Business Preferred Card</b><br />
80,000 Ultimate Rewards</div>
</a>
</div>
</div>
</div>
</div>
<!-- End Hot Deals-->
</div><!-- /.blog-sidebar -->
</div><!-- /.row -->
</div><!-- /.container -->
<!-- Footer -->
<footer class="footer-distributed">
<div class="footer-left">
<h3>The<span>TravelStudent</span></h3>
<p class="footer-links">
<a href="index">Home</a>
<a href="students">Beginners </a>
<a href="top"> Credit Cards </a>
<a href="travelreports"> Travel Reports </a>
<a href="about"> About Us</a>
</p>
<p class="footer-company-name">The Travel Student© 2016</p>
</div>
<div class="footer-center">
<p class="footer-company-about">
<span>Follow Us</span>
<a href="http://www.facebook.com/thetravelstudent"><i class="fa fa-facebook"></i></a>
<a href="http://www.twitter.com/thtravelstudent"><i class="fa fa-twitter"></i></a>
<a href="http://www.pinterest.com/thetravelstudent"><i class="fa fa-pinterest"></i></a>
<a href="https://www.instagram.com/deveshbinjola"> <i class="fa fa-instagram"></i></a>
<a href="http://feeds.feedburner.com/TheTravelStudent" rel="alternate" type="application/rss+xml"><img src="http://feedburner.google.com/fb/images/pub/feed-icon32x32.png" alt="" style="vertical-align:middle;border:0"/></a> <a href="http://feeds.feedburner.com/TheTravelStudent" rel="alternate" type="application/rss+xml"></a>
</p><br>
<p class="footer-company-about">
<span>Our Friends</span>
<br><br>
<p><a href="http://www.doctorofcredit.com" target="_blank">Doctor of Credit</a></p>
</p>
</div>
</div>
<div class="footer-right">
<p class="footer-company-about">
<span>Disclaimer</span>
The opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
</p>
</div>
</footer>
<script src="https://ajax.googleapis.com/ajax/libs/jquery/1.12.4/jquery.min.js"></script>
<script>window.jQuery || document.write('<script src="../../assets/js/vendor/jquery.min.js"><\/script>')</script>
<script src="bootstrap.min.js"></script>
<!-- Bootstrap core JavaScript
================================================== -->
<!-- Placed at the end of the document so the pages load faster -->
<script>
(function(i,s,o,g,r,a,m){i['GoogleAnalyticsObject']=r;i[r]=i[r]||function(){
(i[r].q=i[r].q||[]).push(arguments)},i[r].l=1*new Date();a=s.createElement(o),
m=s.getElementsByTagName(o)[0];a.async=1;a.src=g;m.parentNode.insertBefore(a,m)
})(window,document,'script','https://www.google-analytics.com/analytics.js','ga');
ga('create', 'UA-82402078-1', 'auto');
ga('send', 'pageview');
</script>
<!-- Disqus Start-->
<script>
(function() { // DON'T EDIT BELOW THIS LINE
var d = document, s = d.createElement('script');
s.src = '//www-thetravelstudent-com.disqus.com/embed.js';
s.setAttribute('data-timestamp', +new Date());
(d.head || d.body).appendChild(s);
})();
</script>
<noscript>Please enable JavaScript to view the <a href="https://disqus.com/?ref_noscript">comments powered by Disqus.</a></noscript>
<!-- Disqus End-->
</body>
</html>