{"id":2607,"date":"2019-07-02T18:48:07","date_gmt":"2019-07-02T18:48:07","guid":{"rendered":"http:\/\/ffbenefits.ffga.com\/mesquiteisd\/?page_id=2607"},"modified":"2025-10-24T17:23:34","modified_gmt":"2025-10-24T17:23:34","slug":"health-fsa-with-grace-period","status":"publish","type":"page","link":"https:\/\/ffbenefits.ffga.com\/mesquiteisd\/health-fsa-with-grace-period\/","title":{"rendered":"Health FSA with Grace Period"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ch18e-b9af348520d02cb29b02e3942157f882\">\n.flex_column.av-ch18e-b9af348520d02cb29b02e3942157f882{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-ch18e-b9af348520d02cb29b02e3942157f882 av_one_full  avia-builder-el-0  el_before_av_two_third  avia-builder-el-first  first flex_column_div av-zero-column-padding '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-36imgm-389d14e267b3f5b09f1261085982dbe2\">\n.avia-image-container.av-36imgm-389d14e267b3f5b09f1261085982dbe2 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-36imgm-389d14e267b3f5b09f1261085982dbe2 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-36imgm-389d14e267b3f5b09f1261085982dbe2 av-styling- avia_animated_image av-animated-when-visible-95 right-to-left avia-align-center  avia-builder-el-1  avia-builder-el-no-sibling '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" class='wp-image-2138 avia-img-lazy-loading-not-2138 avia_image ' src=\"\/wp-content\/uploads\/sites\/1230\/2019\/05\/FSA-1030x139.png\" alt='Flexible Spending Accounts' title='FSA'  height=\"139\" width=\"1030\"  itemprop=\"thumbnailUrl\" srcset=\"\/wp-content\/uploads\/sites\/1230\/2019\/05\/FSA-1030x139.png 1030w, \/wp-content\/uploads\/sites\/1230\/2019\/05\/FSA-300x41.png 300w, \/wp-content\/uploads\/sites\/1230\/2019\/05\/FSA-768x104.png 768w, \/wp-content\/uploads\/sites\/1230\/2019\/05\/FSA-1500x203.png 1500w, \/wp-content\/uploads\/sites\/1230\/2019\/05\/FSA-705x95.png 705w, \/wp-content\/uploads\/sites\/1230\/2019\/05\/FSA-450x61.png 450w\" sizes=\"(max-width: 1030px) 100vw, 1030px\" \/><\/div><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-30og3q-950a97bd82e0be44fcf18f0cf2762d04\">\n.flex_column.av-30og3q-950a97bd82e0be44fcf18f0cf2762d04{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-30og3q-950a97bd82e0be44fcf18f0cf2762d04 av_two_third  avia-builder-el-2  el_after_av_one_full  el_before_av_one_third  first flex_column_div av-zero-column-padding column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lcg1r-8e4aff0c62cae35216194a13d47bcff4\">\n#top .av-special-heading.av-lcg1r-8e4aff0c62cae35216194a13d47bcff4{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-lcg1r-8e4aff0c62cae35216194a13d47bcff4 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-lcg1r-8e4aff0c62cae35216194a13d47bcff4 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lcg1r-8e4aff0c62cae35216194a13d47bcff4 av-special-heading-h3  avia-builder-el-3  el_before_av_textblock  avia-builder-el-first  av-linked-heading'><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >Health FSA<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-jwwlkqsg-4cfe98508559a7e960947fa105c84a87'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>A Health Flexible Spending Account (FSA) is an IRS-approved program to help you save taxes and pay for out-of-pocket medical expenses not covered under your medical plan. If your plan includes a grace period option, you have additional time to incur and claim against unused funds in the new plan year. Keep in mind that remaining balances after the grace period is exhausted will be forfeited under the use-it-or-lose-it rule.<\/p>\n<p><strong>Contribution Limits<\/strong><\/p>\n<ul>\n<li><strong>2024<\/strong>: $3,200<\/li>\n<li><strong>2025<\/strong>: $3,300<\/li>\n<\/ul>\n<p><strong>Highlights<\/strong><\/p>\n<ul>\n<li>Contributions are automatically deducted from your paycheck on a pre-tax basis, which helps reduce your taxable income and increase your spendable income.<\/li>\n<li>Your full election will be available to you at the beginning of the plan year.<\/li>\n<li>Be conservative \u2013 any money left in your account at the end of the plan year with be forfeited.<\/li>\n<li>Use your benefits card to pay for qualified expenses upfront so you don\u2019t have to spend money out of pocket.<\/li>\n<li>Keep all receipts in case you need to substantiate a claim for tax purposes.<\/li>\n<\/ul>\n<\/div><\/section><\/p><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-228kau-06588fb366cec783251f40671dea760a\">\n.flex_column.av-228kau-06588fb366cec783251f40671dea760a{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-228kau-06588fb366cec783251f40671dea760a av_one_third  avia-builder-el-5  el_after_av_two_third  el_before_av_one_full  flex_column_div av-zero-column-padding column-top-margin'     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-71lqm-90a7922bd129447cbec41db3dab8cd28\">\n.iconbox.av-71lqm-90a7922bd129447cbec41db3dab8cd28 .iconbox_icon{\nbackground-color:#c42032;\n}\n<\/style>\n<article  class='iconbox iconbox_top av-71lqm-90a7922bd129447cbec41db3dab8cd28  avia-builder-el-6  el_before_av_iconlist  avia-builder-el-first  main_color'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconbox_content\"><header class=\"entry-content-header\"><div class=\"iconbox_icon heading-color\" aria-hidden='true' data-av_icon='\ue854' data-av_iconfont='entypo-fontello'><\/div><h3 class='iconbox_content_title '  itemprop=\"headline\" ><a href='https:\/\/www.taxsaverplan.com\/' title='FFGA FSA Department' target=\"_blank\" rel=\"noopener noreferrer\">FFGA FSA Department<\/a><\/h3><\/header><div class='iconbox_content_container '  itemprop=\"text\" ><header class=\"entry-content-header\"><\/header>\n<div class=\"iconbox_content_container \">\n<p>P: (866) 853-3539<\/p>\n<p>F:\u00a0(800) 298-7785<\/p>\n<p><a href=\"https:\/\/ffa.wealthcareportal.com\/Page\/Home\">FSA Portal<\/a><\/p>\n<p>To register or re-register your account online for your FSA, HSA or DCA account, go to\u00a0<a href=\"http:\/\/www.ffga.com\/\">www.ffga.com<\/a>.\u00a0 Then hover over LOGIN at top right of screen and\u00a0 click on HSA\/FSA LOGIN and then click on REGISTER.\u00a0 Create a User ID, then create a Password.\u00a0 Then fill out the rest of the information that it asks for.\u00a0 For Registration ID, leave it on Employer Name.\u00a0 Then type in the Name of your Employer ( i.e. Houston ISD) next to \u00a0where it says Employer Name.\u00a0 The Employee ID is your social security number.\u00a0 \u00a0Then click on I accept Terms of Use box.\u00a0 The system will then have you set up some security questions and let you access your account online.<\/p>\n<p><strong>Please contact Tech Support at 866-853-3539 Option #3 if you have any questions or need assistance.\u00a0<\/strong><\/p>\n<p><a href=\"https:\/\/ffa.wealthcareportal.com\/Page\/Home\">FSA Portal\/Flex Store<\/a><\/p>\n<h6>CLAIMS ADDRESS<\/h6>\n<p>First Financial Administrators, Inc.<br \/>\nAttn: FSA Department<br \/>\nP.O. Box 161968<br \/>\nAltamonte Springs, FL 32716<\/p>\n<\/div>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jv9m4793-99a383823ad31739fb1ad03a98668832\">\n#top .avia-icon-list-container.av-jv9m4793-99a383823ad31739fb1ad03a98668832 .iconlist_icon{\nbackground-color:#c42032;\n}\n<\/style>\n<div  class='avia-icon-list-container av-jv9m4793-99a383823ad31739fb1ad03a98668832  avia-builder-el-7  el_after_av_icon_box  el_before_av_heading '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-jv9m4793-99a383823ad31739fb1ad03a98668832 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-3jtlvj-e3b07728d1b52c7b34b18558550e4d52 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue81f' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >FSA Plan Information<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p><a href=\"https:\/\/fsastore.com\/fsa-eligibility-list?a_aid=53fe3601451fc&amp;utm_source=ffga&amp;utm_medium=TPA%20Public%20iFrame%20LP&amp;utm_campaign=TPA%20Partner\">Eligible FSA Expenses\u00a0<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/1230\/2023\/04\/MISD2020pla.pdf\">MISD Cafeteria Plan Document<\/a><\/p>\n<p><a href=\"\/wp-content\/uploads\/sites\/1230\/2025\/04\/MedicalFSAClaimForm2024.docx\">FSA Claim Form\u00a0<\/a><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lvwt54ab-6fdda4f823fd05d3a04331a59a8c8beb\">\n#top .av-special-heading.av-lvwt54ab-6fdda4f823fd05d3a04331a59a8c8beb{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-lvwt54ab-6fdda4f823fd05d3a04331a59a8c8beb .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-lvwt54ab-6fdda4f823fd05d3a04331a59a8c8beb .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-lvwt54ab-6fdda4f823fd05d3a04331a59a8c8beb av-special-heading-h3  avia-builder-el-8  el_after_av_iconlist  el_before_av_iconlist '><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >FSA Resources<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<div  class='avia-icon-list-container av-lvwtnuwm-7366cfa2a07407ca9acb0a0921d68beb  avia-builder-el-9  el_after_av_heading  avia-builder-el-last '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-lvwtnuwm-7366cfa2a07407ca9acb0a0921d68beb avia-iconlist-animate'>\n<li><div class='iconlist_icon av-lvwt7rkz-d8d6d57201f682e1406ad694589f835b avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue8cf' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Benefits Card<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>Don&#8217;t want to wait for a reimbursement check? With a Benefits Card, conveniently use your FSA funds at the point of purchase.<\/p>\n<div  class='avia-button-wrap av-awnudc-fb0efb361a069adbc3467e84e2d2f51d-wrap avia-button-center  avia-builder-el-10  el_before_av_button  avia-builder-el-first '>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-awnudc-fb0efb361a069adbc3467e84e2d2f51d\">\n#top #wrap_all .avia-button.av-awnudc-fb0efb361a069adbc3467e84e2d2f51d{\nbackground-color:#2d5c88;\nborder-color:#2d5c88;\ncolor:#ffffff;\n-webkit-transition:all 0.4s ease-in-out;\n-moz-transition:all 0.4s ease-in-out;\n-ms-transition:all 0.4s ease-in-out;\n-o-transition:all 0.4s ease-in-out;\ntransition:all 0.4s ease-in-out;\n}\n<\/style>\n<a href='http:\/\/www.ffga.com\/wp-content\/uploads\/fsa_substantiationflyer_ffga-2056.pdf' class='avia-button av-awnudc-fb0efb361a069adbc3467e84e2d2f51d avia-icon_select-yes-left-icon avia-size-small avia-position-center' target=\"_blank\" rel=\"noopener noreferrer\"><span class='avia_button_icon avia_button_icon_left' aria-hidden='true' data-av_icon='\ue84c' data-av_iconfont='entypo-fontello'><\/span><span class='avia_iconbox_title' >Benefits Card Guide<\/span><\/a><\/div>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-lvwt92c5-ff17063590da5f75b97a3b5cc1634486 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue8ab' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Online Portal<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>Sign up to view your Flex Account balance, find claim forms, and view claim status and history on our secure website.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-lvwtaduc-98516a0089b3e9817b9617a7645dcbb7 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue827' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >FSA Store<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>First Financial has partnered with the FSA Store to bring you an easy to use online store to better understand and manage your FSA.<\/p>\n<ul>\n<li>Shop at FSA Store for eligible items from bandages to wheel chairs and thousands of products in between<\/li>\n<li>Browse or search for eligible products and services using the FSA Eligibility List<\/li>\n<li>Visit the FSA Learning Center to help find answers to questions you may have about your FSA<\/li>\n<\/ul>\n<div  class='avia-button-wrap av-59j674-96026b24391b8585dee89dce003c2d57-wrap avia-button-center  avia-builder-el-11  el_after_av_button  avia-builder-el-last '><a href='https:\/\/ffbenefits.ffga.com\/garlandisd\/wp-content\/uploads\/sites\/15\/2018\/04\/FSAStore-Coupon.pdf' class='avia-button av-59j674-96026b24391b8585dee89dce003c2d57 avia-icon_select-yes-left-icon avia-size-small avia-position-center avia-color-theme-color' target=\"_blank\" rel=\"noopener noreferrer\"><span class='avia_button_icon avia_button_icon_left' aria-hidden='true' data-av_icon='\ue827' data-av_iconfont='entypo-fontello'><\/span><span class='avia_iconbox_title' >FSA Store Coupon<\/span><\/a><\/div>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-lvwtc3aq-c9f11d8d888fb1cad5c2eb4fd3d34e96 avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue920' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" >Apple Mobile App<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p><strong>Available for\u00a0<\/strong><a href=\"https:\/\/itunes.apple.com\/us\/app\/ff-flex-mobile\/id930739311?mt=8\" target=\"_blank\" rel=\"noopener\"><strong><u>iPhone<\/u><\/strong><\/a>\u00a0<strong>or\u00a0<\/strong><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.ffga.fismobile&amp;hl=en\" target=\"_blank\" rel=\"noopener\"><strong><u>Android<\/u><\/strong><\/a>\u00a0for FSAs &amp; HSAs!<\/p>\n<p>With the FF Flex Mobile App you can:<\/p>\n<ul>\n<li>Submit Claims<\/li>\n<li>View Account Balance &amp; History<\/li>\n<li>See Claim Status<\/li>\n<li>View Alerts<\/li>\n<li>Upload Receipts and Documentation<\/li>\n<\/ul>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-lvwteihp-dbed9b50fc8d096741b5525f966c237d avia-font-entypo-fontello'><span class='iconlist-char' aria-hidden='true' data-av_icon='\ue91c' data-av_iconfont='entypo-fontello'><\/span><\/div><article class=\"article-icon-entry av-iconlist-empty\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\"><h4 class='av_iconlist_title iconlist_title  '  itemprop=\"headline\" ><a href='https:\/\/play.google.com\/store\/apps\/details?id=com.ffga.fismobile&amp;hl=en' title='Android Mobile App'>Android Mobile App<\/a><\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-48yj1b-2d01eeed3d29d082b4c5737a9113101f\">\n.flex_column.av-48yj1b-2d01eeed3d29d082b4c5737a9113101f{\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-48yj1b-2d01eeed3d29d082b4c5737a9113101f av_one_full  avia-builder-el-12  el_after_av_one_third  el_before_av_hr  first flex_column_div av-zero-column-padding column-top-margin'     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-326ynj-8664b30627010f16b8cbe86ce994f5a3\">\n#top .av-special-heading.av-326ynj-8664b30627010f16b8cbe86ce994f5a3{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-326ynj-8664b30627010f16b8cbe86ce994f5a3 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-326ynj-8664b30627010f16b8cbe86ce994f5a3 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-326ynj-8664b30627010f16b8cbe86ce994f5a3 av-special-heading-h3  avia-builder-el-13  el_before_av_video  avia-builder-el-first  av-linked-heading'><h3 class='av-special-heading-tag'  itemprop=\"headline\"  >FSA VIDEO<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<div  class='avia-video av-jv8ozkwj-4fb61d9efaa2a0f03e88eb4b81f5ca0a avia-video-16-9 av-no-preview-image avia-video-load-always av-lazyload-immediate av-lazyload-video-embed'  itemprop=\"video\" itemtype=\"https:\/\/schema.org\/VideoObject\"  data-original_url='https:\/\/ffga.wistia.com\/medias\/nvdfdzox5l'><script type='text\/html' class='av-video-tmpl'><div class='avia-iframe-wrap'><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" title=\"FSA (grace period option) Video\" src=\"https:\/\/fast.wistia.net\/embed\/iframe\/nvdfdzox5l?dnt=1#?secret=vOGMyV9yPm\" data-secret=\"vOGMyV9yPm\" frameborder=\"0\" scrolling=\"no\" width=\"960\" height=\"540\"><\/iframe><\/div><\/script><div class='av-click-to-play-overlay'><div class=\"avia_playpause_icon\"><\/div><\/div><\/div><\/p><\/div><\/p>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jwtmxk6x-448ed3c9bf6a7ae24e4f0b0ad35ff0f6\">\n#top .hr.av-jwtmxk6x-448ed3c9bf6a7ae24e4f0b0ad35ff0f6{\nmargin-top:30px;\nmargin-bottom:30px;\n}\n.hr.av-jwtmxk6x-448ed3c9bf6a7ae24e4f0b0ad35ff0f6 .hr-inner{\nwidth:45%;\nborder-color:#c42133;\nmax-width:45%;\n}\n.hr.av-jwtmxk6x-448ed3c9bf6a7ae24e4f0b0ad35ff0f6 .av-seperator-icon{\ncolor:#c42133;\n}\n<\/style>\n<div  class='hr av-jwtmxk6x-448ed3c9bf6a7ae24e4f0b0ad35ff0f6 hr-custom  avia-builder-el-15  el_after_av_one_full  el_before_av_heading  hr-center 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itemprop=\"headline\"  >Hello<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<div  class='avia-testimonial-wrapper av-4uwke7-daa834b05731a83d3bef419be4c03303 avia-grid-testimonials avia-grid-2-testimonials avia_animate_when_almost_visible' >\n<section class=\"avia-testimonial-row\"><div class='avia-testimonial av-38qqb3-3830f4aec9492d40b00742d5bbab0f3d avia-testimonial-row-1 avia-first-testimonial flex_column no_margin av_one_half'><div class='avia-testimonial_inner'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia-testimonial-content '><div class='avia-testimonial-markup-entry-content'  itemprop=\"text\" ><\/div><\/div><div class=\"avia-testimonial-meta\"><div class=\"avia-testimonial-arrow-wrap\"><div class=\"avia-arrow\"><\/div><\/div><div class='avia-testimonial-meta-mini'  itemprop=\"author\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><strong  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