Proposal and Bankruptcy Links

Use the link below if you have filed a bankruptcy or proposal and are scheduled for counselling:

Online Resources for 1st and 2nd Counselling

Newspaper Articles featuring Dr. Jacques Rusinek

Struggling with Debt – Article in Toronto Star

The Dilemma of Debt – Article in Toronto Star

Debt Stress – Article in Toronto Star

7 Steps to Become Debt-Free – Toronto Star

Interview with Dr. Jacques Rusinek – Guardian Toronto

Jacques Rusinek -expert opinion – Toronto Star Article

Free Budget Planner

Credit Repair

Checking for Errors on your Credit Report

Improving your Credit Score

Get a Fresh Start Today!

@media screen and (max-width: 650px){body{padding-bottom:60px;}}img.wp-smiley,img.emoji{display:inline !important;border:none !important;box-shadow:none !important;height:1em !important;width:1em !important;margin:0 .07em !important;vertical-align:-.1em !important;background:none !important;padding:0 !important;}.superbaddons-animated-heading-block{overflow:hidden;}.superbaddons-animated-heading-block .superb-animated-heading-letter{display:inline-block;}.superbaddons-authorbox{align-items:stretch;border-radius:10px;display:flex;flex-direction:row;gap:20px;padding:40px 20px;}.superbaddons-authorbox-alignment-left{justify-content:flex-start;}.superbaddons-authorbox-alignment-center{align-items:center;flex-direction:column;gap:0;justify-content:center;text-align:center;}.superbaddons-authorbox-alignment-right{flex-direction:row-reverse;text-align:right;}.superbaddons-authorbox-left{align-items:center;display:flex;flex:1;max-width:96px;}.superbaddons-authorbox-right{flex:1;}.superbaddons-authorbox-avatar{border-radius:50%;}.superbaddons-authorbox-authorname{color:#444;font-size:32px;font-style:normal;font-weight:800;line-height:40px;}.superbaddons-authorbox-authorbio{color:#7c7c7c;font-size:14px;font-style:normal;font-weight:600;line-height:19px;}.superbaddons-authorbox-authorbio,.superbaddons-authorbox-authorname{margin:0;}.superbaddons-authorbox-social-wrapper{align-items:flex-start;display:flex;flex-direction:row;gap:10px;}.superbaddons-authorbox-social-wrapper a{margin-top:15px;}.superbaddongs-ratings-overall-wrapper{display:flex;flex-direction:column;}.superbaddons-ratings-overall-label{font-style:normal;font-weight:700;}.superbaddons-ratings-overall-rating-wrapper{align-items:center;display:flex;flex-direction:row;gap:12px;}.superbaddons-ratings-overall-rating{align-items:center;display:flex;font-style:normal;font-weight:800;gap:5px;line-height:40px;}.superbaddons-ratings-stars-icons{display:flex;flex-wrap:wrap;gap:8px;position:relative;}.superbaddons-ratings-single-star{align-items:center;display:flex;position:relative;}.superbaddons-ratings-single-percentage-star{left:0;overflow:hidden;position:absolute;top:0;}.superbaddons-ratings-ratingbar-label{font-weight:700;margin:30px 0 16px;}.superbaddons-ratings-ratingbar-bar{border-radius:100px;overflow:hidden;width:100%;}.superbaddons-ratings-ratingbar-bar,.superbaddons-ratings-ratingbar-bar-fill{height:10px;}.superbaddons-ratings-alignment-center{text-align:center;}.superbaddons-ratings-alignment-center .superbaddons-ratings-overall-rating-wrapper{justify-content:center;}.superbaddons-ratings-alignment-right{text-align:right;}.superbaddons-ratings-alignment-right .superbaddons-ratings-overall-rating-wrapper{flex-direction:row-reverse;}.superbaddons-tableofcontents{display:flex;flex-direction:column;}.superbaddons-tableofcontents-alignment-center{align-items:center;text-align:center;}.superbaddons-tableofcontents-alignment-right{direction:rtl;}.superbaddons-tableofcontents-boxed{border-radius:10px;padding:40px 20px;}.superbaddons-tableofcontents-title{font-style:normal;font-weight:800;}.superbaddons-tableofcontents-text{font-style:normal;font-weight:600;}.superbaddons-tableofcontents-table ol{list-style-position:inside;margin:0;padding:0;}.superbaddons-tableofcontents-table ol ol{padding-left:20px;}.superbaddons-tableofcontents-alignment-center .superbaddons-tableofcontents-table ol ol{padding-left:0;}.superbaddons-tableofcontents-alignment-right .superbaddons-tableofcontents-table ol ol{padding-left:0;padding-right:20px;}.superbaddons-recentposts-alignment-center .superbaddons-recentposts-item-inner{flex-direction:column;justify-content:center;text-align:center;}.superbaddons-recentposts-alignment-right{direction:rtl;}.superbaddons-recentposts-list{list-style:none;margin:0;padding:0;}.superbaddons-recentposts-list a{text-decoration:none;}.superbaddons-recentposts-list a:active,.superbaddons-recentposts-list a:focus,.superbaddons-recentposts-list a:hover{color:inherit;}.superbaddons-recentposts-item{margin-bottom:10px;}.superbaddons-recentposts-item:last-of-type{margin-bottom:0;}.superbaddons-recentposts-item-inner{align-items:center;display:flex;gap:10px;}.superbaddons-recentposts-item-left,.superbaddons-recentposts-item-right{display:flex;flex-direction:column;}.superbaddons-coverimage-block{overflow:hidden;}.superbaddons-google-maps-block{overflow:hidden;}.superb-addons-reveal-button{box-sizing:border-box;font-size:18px;padding-right:30px;position:relative;}.superb-addons-reveal-button-element{background-color:var(--wp--preset--color--primary,#fff);border:1px solid var(--wp--preset--color--primary,#000);border-radius:5px;box-sizing:border-box;color:var(--wp--preset--color--contrast-light,#000);display:inline-block;line-height:1;margin:0;padding:15px 25px;position:relative;text-align:center;text-decoration:none;width:auto;z-index:1;}.superb-addons-reveal-button.superb-addons-reveal-button-width-25{width:calc(25% - var(--wp--style--block-gap,.5em) * .75);}.superb-addons-reveal-button.superb-addons-reveal-button-width-50{width:calc(50% - var(--wp--style--block-gap,.5em) * .5);}.superb-addons-reveal-button.superb-addons-reveal-button-width-75{width:calc(75% - var(--wp--style--block-gap,.5em) * .25);}.superb-addons-reveal-button.superb-addons-reveal-button-width-100{flex-basis:100%;width:100%;}.superb-has-custom-width .superb-addons-reveal-button-element{width:100%;}.superb-addons-reveal-button-has-reveal .superb-addons-reveal-button-element.superb-addons-reveal-button-cta{border-bottom-right-radius:0 !important;border-top-right-radius:0 !important;}.superb-addons-reveal-button-element.superb-addons-reveal-button-revealed{border-color:var(--wp--preset--color--primary,#000);border-style:dashed;display:inline-flex;gap:10px;margin-right:0;-webkit-user-select:all;-moz-user-select:all;user-select:all;}.superb-addons-reveal-button-element.superb-addons-reveal-button-revealed,.superb-addons-reveal-button-teaser{align-items:center;background-color:var(--wp--preset--color--contrast-light,#fff);color:var(--wp--preset--color--primary,#000);}.superb-addons-reveal-button-teaser{border:1px dashed #000;border:1px dashed var(--wp--preset--color--primary,#000);border-radius:0 8px 8px 0;box-sizing:border-box;display:none;height:100%;justify-content:flex-end;padding:0 10px;position:absolute;right:0;top:0;-webkit-user-select:none;-moz-user-select:none;user-select:none;width:50%;z-index:0;}.superb-addons-reveal-button-has-reveal .superb-addons-reveal-button-teaser{display:flex;}.superb-addons-reveal-button .superb-has-teaser-text-color{color:var(--superb-addons-reveal-button-teaser-text);}.superb-addons-reveal-button .superb-has-teaser-background-color{background-color:var(--superb-addons-reveal-button-teaser-background);}.superb-addons-reveal-button:active,.superb-addons-reveal-button:focus,.superb-addons-reveal-button:hover{text-decoration:none;}.superb-addons-reveal-button-element button{align-items:center;background:none;border:none;color:inherit;cursor:pointer;display:inline-flex;font-family:inherit;font-size:18px;font-weight:inherit;margin:0;padding:0;text-align:center;text-decoration:none;-webkit-user-select:none;-moz-user-select:none;user-select:none;}.jetpack-sharing-buttons__services-list{display:flex;flex-direction:row;flex-wrap:wrap;gap:0;list-style-type:none;margin:5px;padding:0;}.jetpack-sharing-buttons__services-list.has-small-icon-size{font-size:12px;}.jetpack-sharing-buttons__services-list.has-normal-icon-size{font-size:16px;}.jetpack-sharing-buttons__services-list.has-large-icon-size{font-size:24px;}.jetpack-sharing-buttons__services-list.has-huge-icon-size{font-size:36px;}@media print{.jetpack-sharing-buttons__services-list{display:none !important;}}.editor-styles-wrapper .wp-block-jetpack-sharing-buttons{gap:0;padding-inline-start:0;}ul.jetpack-sharing-buttons__services-list.has-background{padding:1.25em 2.375em;}.wp-block-button__link{color:#fff;background-color:#32373c;border-radius:9999px;box-shadow:none;text-decoration:none;padding:calc(.667em + 2px) calc(1.333em + 2px);font-size:1.125em;}.wp-block-file__button{background:#32373c;color:#fff;text-decoration:none;}:root{--wp--preset--aspect-ratio--square:1;--wp--preset--aspect-ratio--4-3:4/3;--wp--preset--aspect-ratio--3-4:3/4;--wp--preset--aspect-ratio--3-2:3/2;--wp--preset--aspect-ratio--2-3:2/3;--wp--preset--aspect-ratio--16-9:16/9;--wp--preset--aspect-ratio--9-16:9/16;--wp--preset--color--black:#000;--wp--preset--color--cyan-bluish-gray:#abb8c3;--wp--preset--color--white:#fff;--wp--preset--color--pale-pink:#f78da7;--wp--preset--color--vivid-red:#cf2e2e;--wp--preset--color--luminous-vivid-orange:#ff6900;--wp--preset--color--luminous-vivid-amber:#fcb900;--wp--preset--color--light-green-cyan:#7bdcb5;--wp--preset--color--vivid-green-cyan:#00d084;--wp--preset--color--pale-cyan-blue:#8ed1fc;--wp--preset--color--vivid-cyan-blue:#0693e3;--wp--preset--color--vivid-purple:#9b51e0;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple:linear-gradient(135deg,rgba(6,147,227,1) 0%,#9b51e0 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan:linear-gradient(135deg,#7adcb4 0%,#00d082 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange:linear-gradient(135deg,rgba(252,185,0,1) 0%,rgba(255,105,0,1) 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red:linear-gradient(135deg,rgba(255,105,0,1) 0%,#cf2e2e 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray:linear-gradient(135deg,#eee 0%,#a9b8c3 100%);--wp--preset--gradient--cool-to-warm-spectrum:linear-gradient(135deg,#4aeadc 0%,#9778d1 20%,#cf2aba 40%,#ee2c82 60%,#fb6962 80%,#fef84c 100%);--wp--preset--gradient--blush-light-purple:linear-gradient(135deg,#ffceec 0%,#9896f0 100%);--wp--preset--gradient--blush-bordeaux:linear-gradient(135deg,#fecda5 0%,#fe2d2d 50%,#6b003e 100%);--wp--preset--gradient--luminous-dusk:linear-gradient(135deg,#ffcb70 0%,#c751c0 50%,#4158d0 100%);--wp--preset--gradient--pale-ocean:linear-gradient(135deg,#fff5cb 0%,#b6e3d4 50%,#33a7b5 100%);--wp--preset--gradient--electric-grass:linear-gradient(135deg,#caf880 0%,#71ce7e 100%);--wp--preset--gradient--midnight:linear-gradient(135deg,#020381 0%,#2874fc 100%);--wp--preset--font-size--small:13px;--wp--preset--font-size--medium:20px;--wp--preset--font-size--large:36px;--wp--preset--font-size--x-large:42px;--wp--preset--spacing--20:.44rem;--wp--preset--spacing--30:.67rem;--wp--preset--spacing--40:1rem;--wp--preset--spacing--50:1.5rem;--wp--preset--spacing--60:2.25rem;--wp--preset--spacing--70:3.38rem;--wp--preset--spacing--80:5.06rem;--wp--preset--shadow--natural:6px 6px 9px rgba(0,0,0,.2);--wp--preset--shadow--deep:12px 12px 50px rgba(0,0,0,.4);--wp--preset--shadow--sharp:6px 6px 0px rgba(0,0,0,.2);--wp--preset--shadow--outlined:6px 6px 0px -3px rgba(255,255,255,1),6px 6px rgba(0,0,0,1);--wp--preset--shadow--crisp:6px 6px 0px rgba(0,0,0,1);}:where(.is-layout-flex){gap:.5em;}:where(.is-layout-grid){gap:.5em;}body .is-layout-flex{display:flex;}.is-layout-flex{flex-wrap:wrap;align-items:center;}.is-layout-flex > :is(*,div){margin:0;}body .is-layout-grid{display:grid;}.is-layout-grid > :is(*,div){margin:0;}:where(.wp-block-columns.is-layout-flex){gap:2em;}:where(.wp-block-columns.is-layout-grid){gap:2em;}:where(.wp-block-post-template.is-layout-flex){gap:1.25em;}:where(.wp-block-post-template.is-layout-grid){gap:1.25em;}.has-black-color{color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color:var(--wp--preset--color--white) !important;}.has-pale-pink-color{color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color:var(--wp--preset--color--vivid-purple) !important;}.has-black-background-color{background-color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color:var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color:var(--wp--preset--color--vivid-purple) !important;}.has-black-border-color{border-color:var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color:var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color:var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color:var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color:var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color:var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color:var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color:var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color:var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color:var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color:var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color:var(--wp--preset--color--vivid-purple) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background:var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background:var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background:var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background:var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background:var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background:var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background:var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background:var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background:var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background:var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background:var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size:var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size:var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size:var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size:var(--wp--preset--font-size--x-large) !important;}:where(.wp-block-post-template.is-layout-flex){gap:1.25em;}:where(.wp-block-post-template.is-layout-grid){gap:1.25em;}:where(.wp-block-columns.is-layout-flex){gap:2em;}:where(.wp-block-columns.is-layout-grid){gap:2em;}:root :where(.wp-block-pullquote){font-size:1.5em;line-height:1.6;}#site-header{background-image:url("");}.related-posts .related-posts-no-img h5.title.front-view-title,#tabber .inside li .meta b,footer .widget li a:hover,.fn a,.reply a,#tabber .inside li div.info .entry-title a:hover,#navigation ul ul a:hover,.single_post a,a:hover,.sidebar.c-4-12 .textwidget a,#site-footer .textwidget a,#commentform a,#tabber .inside li a,.copyrights a:hover,a,.sidebar.c-4-12 a:hover,.top a:hover,footer .tagcloud a:hover,.sticky-text{color:#35c6a2;}.total-comments span:after,span.sticky-post,.nav-previous a:hover,.nav-next a:hover,#commentform input#submit,#searchform input[type='submit'],.home_menu_item,.currenttext,.pagination a:hover,.readMore a,.onepageily-subscribe input[type='submit'],.pagination .current,.woocommerce nav.woocommerce-pagination ul li a:focus,.woocommerce nav.woocommerce-pagination ul li a:hover,.woocommerce nav.woocommerce-pagination ul li span.current,.woocommerce-product-search input[type="submit"],.woocommerce a.button,.woocommerce-page a.button,.woocommerce button.button,.woocommerce-page button.button,.woocommerce input.button,.woocommerce-page input.button,.woocommerce #respond input#submit,.woocommerce-page #respond input#submit,.woocommerce #content input.button,.woocommerce-page #content input.button,#sidebars h3.widget-title:after,.postauthor h4:after,.related-posts h3:after,.archive .postsby span:after,.comment-respond h4:after,.single_post header:after,#cancel-comment-reply-link,.upper-widgets-grid h3:after,.thumbnail-post-content .entry-meta:after{background-color:#35c6a2;}#sidebars .widget h3,#sidebars .widget h3 a{border-left-color:#35c6a2;}.related-posts-no-img,#navigation ul li.current-menu-item a,.woocommerce nav.woocommerce-pagination ul li span.current,.woocommerce-page nav.woocommerce-pagination ul li span.current,.woocommerce #content nav.woocommerce-pagination ul li span.current,.woocommerce-page #content nav.woocommerce-pagination ul li span.current,.woocommerce nav.woocommerce-pagination ul li a:hover,.woocommerce-page nav.woocommerce-pagination ul li a:hover,.woocommerce #content nav.woocommerce-pagination ul li a:hover,.woocommerce-page #content nav.woocommerce-pagination ul li a:hover,.woocommerce nav.woocommerce-pagination ul li a:focus,.woocommerce-page nav.woocommerce-pagination ul li a:focus,.woocommerce #content nav.woocommerce-pagination ul li a:focus,.woocommerce-page #content nav.woocommerce-pagination ul li a:focus,.pagination .current,.tagcloud a{border-color:#35c6a2;}.corner{border-color:transparent transparent #35c6a2 transparent;}#site-header.nitro-lazy{background-image:none !important;}img#wpstats{display:none;}.header-button-solid,.header-button-solid:hover,.header-button-solid:active,.header-button-solid:focus{color:#fff;}.header-button-solid,.header-button-solid:hover,.header-button-solid:active,.header-button-solid:focus{background:#ef0202;}.header-button-border,.header-button-border:hover,.header-button-border:active,.header-button-border:focus{}.header-button-border,.header-button-border:hover,.header-button-border:active,.header-button-border:focus{}.pagination a,.pagination2,.pagination .dots,.post.excerpt{}#content,#comments,#commentsAdd,.related-posts,.single-post .post.excerpt,.postauthor{}#sidebars .widget{}.upper-widgets-grid{}footer{background:#283440;}.copyrights{background:#283440;}#site-header{background-color:#bdd6ad;}.primary-navigation,.primary-navigation,#navigation ul ul li{background-color:#eded76;}a#pull,#navigation .menu a,#navigation .menu a:hover,#navigation .menu .fa > a,#navigation .menu .fa > a,#navigation .toggle-caret,#navigation span.site-logo a,#navigation.mobile-menu-wrapper .site-logo a,.primary-navigation.header-activated #navigation ul ul li a{color:#000;}#sidebars .widget h3,#sidebars .widget h3 a,#sidebars h3{}#sidebars .widget a,#sidebars a,#sidebars li a{}#sidebars .widget,#sidebars,#sidebars .widget li{}.post.excerpt .post-content,.pagination a,.pagination2,.pagination .dots{}.post.excerpt h2.title a{}.pagination a,.pagination2,.pagination .dots{}span.entry-meta{}.article h1,.article h2,.article h3,.article h4,.article h5,.article h6,.total-comments,.article th{}.article,.article p,.related-posts .title,.breadcrumb,.article #commentform textarea{}.article a,.breadcrumb a,#commentform a{}#commentform input#submit,#commentform input#submit:hover{}.post-date-one,.comment time{}.footer-widgets #searchform input[type='submit'],.footer-widgets #searchform input[type='submit']:hover{}.footer-widgets h3:after{}.footer-widgets h3,.footer-widgets h3 a,footer .widget.widget_rss h3 a{}.footer-widgets .widget li,.footer-widgets .widget,#copyright-note,footer p{}footer .widget a,#copyright-note a,#copyright-note a:hover,footer .widget a:hover,footer .widget li a:hover{}.top-column-widget a,.top-column-widget a:hover,.top-column-widget a:active,.top-column-widget a:focus{}.top-column-widget,.upper-widgets-grid{}.top-column-widget .widget.widget_rss h3 a,.upper-widgets-grid h3,.top-column-widget h3{}@media screen and (min-width: 865px){.primary-navigation.header-activated #navigation a{color:#000;}}@media screen and (max-width: 865px){#navigation.mobile-menu-wrapper{background-color:#eded76;}}.site-branding{padding-top:px;}.site-branding{padding-bottom:px;}.site-branding .site-title,.site-branding .site-description{color:#004b77;}.site-branding .site-title:after{background:#004b77;}.top-column-widget img{max-width:110px;}.top-column-widget p:first-of-type{margin-bottom:0px;}#site-header{background-position:top;}img.custom-logo{padding-top:10px;margin-bottom:-12px;}