");vwo_$('head').append(_vwo_sel);return vwo_$('head')[0] && vwo_$('head')[0].lastChild;})("HEAD")}}, R_940895_48_1_2_0:{ fn:function(log,nonce=''){return (function(x) { if(!vwo_$.fn.vwoRevertHtml){ return; }; var ctx=vwo_$(x),el; /*vwo_debug log("Revert","content",""); vwo_debug*/; el=vwo_$('[vwo-element-id="1742919897117"]'); el.revertContentOp().remove();})("HEAD")}}, C_940895_48_1_2_1:{ fn:function(log,nonce=''){return (function(x) {var el,ctx=vwo_$(x); /*vwo_debug log("editElement",".stylingblock-content-margin-cell > table:nth-of-type(1) > tbody:nth-of-type(1) > tr:nth-of-type(1) > td:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1) > h2:nth-of-type(1) > span:nth-of-type(1)"); vwo_debug*/(el=vwo_$(".stylingblock-content-margin-cell > table:nth-of-type(1) > tbody:nth-of-type(1) > tr:nth-of-type(1) > td:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1) > h2:nth-of-type(1) > span:nth-of-type(1)")).html("Hello! David Brancaccio here. Do you want instant access to the free online course - “Economics 101” - to understand basic economic concepts?");})(".stylingblock-content-margin-cell > table:nth-of-type(1) > tbody:nth-of-type(1) > tr:nth-of-type(1) > td:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1) > h2:nth-of-type(1) > span:nth-of-type(1)")}}, R_940895_48_1_2_1:{ fn:function(log,nonce=''){return (function(x) { if(!vwo_$.fn.vwoRevertHtml){ return; }; var el,ctx=vwo_$(x); /*vwo_debug log("Revert","editElement",".stylingblock-content-margin-cell > table:nth-of-type(1) > tbody:nth-of-type(1) > tr:nth-of-type(1) > td:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1) > h2:nth-of-type(1) > span:nth-of-type(1)"); vwo_debug*/(el=vwo_$(".stylingblock-content-margin-cell > table:nth-of-type(1) > tbody:nth-of-type(1) > tr:nth-of-type(1) > td:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1) > h2:nth-of-type(1) > span:nth-of-type(1)")).vwoRevertHtml();})(".stylingblock-content-margin-cell > table:nth-of-type(1) > tbody:nth-of-type(1) > tr:nth-of-type(1) > td:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1) > h2:nth-of-type(1) > span:nth-of-type(1)")}}, C_940895_48_1_2_2:{ fn:function(log,nonce=''){return (function(x) {var el,ctx=vwo_$(x); /*vwo_debug log("content","[vwo-element-id='1742482566780']"); vwo_debug*/(el=vwo_$("[vwo-element-id='1742482566780']")).replaceWith2("You'll gain real-world insights into how economics impacts your daily life with this easy-to-follow online course. This crash course is based on the acclaimed textbook Economy, Society, and Public Policy by CORE Econ, tailored to help you grasp key concepts without feeling overwhelmed.

Whether you're new to economics or just want to deepen your understanding, this course covers the basics and connects them to today’s pressing issues—from inequality to public policy decisions.

Each week, you'll receive a reading guide that distills core principles, offers actionable takeaways, and explains how they affect the current world. While the full ebook enriches the experience, the guides alone provide a comprehensive understanding of fundamental economic ideas.

You’ll find this course especially useful and unique because…
"),el=vwo_$("[vwo-element-id='1742482566780']");})("[vwo-element-id='1742482566780']")}}, R_940895_48_1_2_2:{ fn:function(log,nonce=''){return (function(x) { if(!vwo_$.fn.vwoRevertHtml){ return; }; var el,ctx=vwo_$(x); /*vwo_debug log("Revert","content","[vwo-element-id='1742482566780']"); vwo_debug*/(el=vwo_$("[vwo-element-id='1742482566780']")).revertContentOp(),el=vwo_$("[vwo-element-id='1742482566780']");})("[vwo-element-id='1742482566780']")}}, C_940895_48_1_2_3:{ fn:function(log,nonce=''){return (function(x) {var el,ctx=vwo_$(x); /*vwo_debug log("content",".stylingblock-content-margin-cell > table:nth-of-type(1) > tbody:nth-of-type(1) > tr:nth-of-type(1) > td:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1)"); vwo_debug*/(el=vwo_$(".stylingblock-content-margin-cell > table:nth-of-type(1) > tbody:nth-of-type(1) > tr:nth-of-type(1) > td:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1)")).replaceWith2("
You'll gain real-world insights into how economics impacts your daily life with this easy-to-follow online course. This crash course is based on the acclaimed textbook Economy, Society, and Public Policy by CORE Econ, tailored to help you grasp key concepts without feeling overwhelmed.

Whether you're new to economics or just want to deepen your understanding, this course covers the basics and connects them to today’s pressing issues—from inequality to public policy decisions.

Each week, you'll receive a reading guide that distills core principles, offers actionable takeaways, and explains how they affect the current world. While the full ebook enriches the experience, the guides alone provide a comprehensive understanding of fundamental economic ideas.

You’ll find this course especially useful and unique because…
Are you ready to build a foundation in economics that empowers you to think critically about the world around you?

Get instant access today and keep an eye on your inbox for a confirmation email and your first lesson.
 
"),el=vwo_$(".stylingblock-content-margin-cell > table:nth-of-type(1) > tbody:nth-of-type(1) > tr:nth-of-type(1) > td:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1)");})(".stylingblock-content-margin-cell > table:nth-of-type(1) > tbody:nth-of-type(1) > tr:nth-of-type(1) > td:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1)")}}, R_940895_48_1_2_3:{ fn:function(log,nonce=''){return (function(x) { if(!vwo_$.fn.vwoRevertHtml){ return; }; var el,ctx=vwo_$(x); /*vwo_debug log("Revert","content",".stylingblock-content-margin-cell > table:nth-of-type(1) > tbody:nth-of-type(1) > tr:nth-of-type(1) > td:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1)"); vwo_debug*/(el=vwo_$(".stylingblock-content-margin-cell > table:nth-of-type(1) > tbody:nth-of-type(1) > tr:nth-of-type(1) > td:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1)")).revertContentOp(),el=vwo_$(".stylingblock-content-margin-cell > table:nth-of-type(1) > tbody:nth-of-type(1) > tr:nth-of-type(1) > td:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1)");})(".stylingblock-content-margin-cell > table:nth-of-type(1) > tbody:nth-of-type(1) > tr:nth-of-type(1) > td:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1) > div:nth-of-type(1)")}}, C_940895_48_1_2_4:{ fn:function(log,nonce=''){return (function(x) {})(".author,.img-wrapper,.img-wrapper img,.author-copy")}}, R_940895_48_1_2_4:{ fn:function(log,nonce=''){return (function(x) { if(!vwo_$.fn.vwoRevertHtml){ return; }; })(".author,.img-wrapper,.img-wrapper img,.author-copy")}}, C_940895_63_1_2_0:{ fn:function(log,nonce=''){return (function(x) {var el,ctx=vwo_$(x); /*vwo_debug log("paste",".actions"); vwo_debug*/!(el=vwo_$(".actions")).parent().find('[vwo-op-1742589780926=""]').length&&el.after('


By submitting, you consent to receive information about MPR\'s programs and offerings. You may opt-out at any time clicking the unsubscribe link at the bottom of any email communication. View our Privacy Policy.

'),(el=vwo_$("#tfa_31-HTML > p:nth-of-type(1)")).vwoCss({display:"none !important"});})(".hintsBelow")}}, C_940895_62_1_2_0:{ fn:function(log,nonce=''){return (function(x) {var el,ctx=vwo_$(x); /*vwo_debug log("visibility","H1:tm('Support The Splendid Table Today')"); vwo_debug*/(el=vwo_$("H1:tm('Support The Splendid Table Today')")).vwoCss({visibility:"hidden !important"}),(el=vwo_$("H1:tm('Support The Splendid Table Today')")).vwoCss({display:"none !important"});})("H1:tm('Support The Splendid Table Today')")}}, R_940895_62_1_2_0:{ fn:function(log,nonce=''){return (function(x) { if(!vwo_$.fn.vwoRevertHtml){ return; }; var el,ctx=vwo_$(x); /*vwo_debug log("Revert","remove","H1:tm('Support The Splendid Table Today')"); vwo_debug*/(el=vwo_$("H1:tm('Support The Splendid Table Today')")).vwoRevertCss(),(el=vwo_$("H1:tm('Support The Splendid Table Today')")).vwoRevertCss();})("H1:tm('Support The Splendid Table Today')")}}, C_940895_62_1_2_1:{ fn:function(log,nonce=''){return (function(x) {var el,ctx=vwo_$(x); /*vwo_debug log("editElement","STRONG:tm('Success! You’re subscribed!')"); vwo_debug*/(el=vwo_$("STRONG:tm('Success! You’re subscribed!')")).vwoCss({"font-size":"22px !important"}),(el=vwo_$("STRONG:tm('Success! You’re subscribed!')")).vwoCss({"font-size":"24px !important"});})("STRONG:tm('Success! You’re subscribed!')")}}, R_940895_62_1_2_1:{ fn:function(log,nonce=''){return (function(x) { if(!vwo_$.fn.vwoRevertHtml){ return; }; var el,ctx=vwo_$(x); /*vwo_debug log("Revert","editElement","STRONG:tm('Success! You’re subscribed!')"); vwo_debug*/(el=vwo_$("STRONG:tm('Success! You’re subscribed!')")).vwoRevertCss(),(el=vwo_$("STRONG:tm('Success! You’re subscribed!')")).vwoRevertCss();})("STRONG:tm('Success! You’re subscribed!')")}}, C_940895_62_1_3_0:{ fn:function(log,nonce=''){return (function(x) {var el,ctx=vwo_$(x); /*vwo_debug log("visibility","H1:tm('Support The Splendid Table Today')"); vwo_debug*/(el=vwo_$("H1:tm('Support The Splendid Table Today')")).vwoCss({visibility:"hidden !important"}),(el=vwo_$("H1:tm('Support The Splendid Table Today')")).vwoCss({display:"none !important"});})("H1:tm('Support The Splendid Table Today')")}}, R_940895_62_1_3_0:{ fn:function(log,nonce=''){return (function(x) { if(!vwo_$.fn.vwoRevertHtml){ return; }; var el,ctx=vwo_$(x); /*vwo_debug log("Revert","remove","H1:tm('Support The Splendid Table Today')"); vwo_debug*/(el=vwo_$("H1:tm('Support The Splendid Table Today')")).vwoRevertCss(),(el=vwo_$("H1:tm('Support The Splendid Table Today')")).vwoRevertCss();})("H1:tm('Support The Splendid Table Today')")}}, C_940895_62_1_3_1:{ fn:function(log,nonce=''){return (function(x) {var el,ctx=vwo_$(x); /*vwo_debug log("editElement","STRONG:tm('Success! You’re subscribed!')"); vwo_debug*/(el=vwo_$("STRONG:tm('Success! You’re subscribed!')")).vwoCss({"font-size":"22px !important"}),(el=vwo_$("STRONG:tm('Success! You’re subscribed!')")).vwoCss({"font-size":"24px !important"}),(el=vwo_$(".vwo_tm_1742501918554 STRONG:tm('Success! You’re subscribed!')")).html("You are now subscribed to the Weeknight Kitchen newsletter! Before you go, would you consider something?"),el.addClass("vwo_tm_1742501918554");})(".vwo_tm_1742501918554 STRONG:tm('Success! You’re subscribed!')")}}, R_940895_62_1_3_1:{ fn:function(log,nonce=''){return (function(x) { if(!vwo_$.fn.vwoRevertHtml){ return; }; var el,ctx=vwo_$(x); /*vwo_debug log("Revert","editElement","STRONG:tm('Success! You’re subscribed!')"); vwo_debug*/(el=vwo_$(".vwo_tm_1742501918554 STRONG:tm('Success! You’re subscribed!')")).vwoRevertHtml(),(el=vwo_$("STRONG:tm('Success! You’re subscribed!')")).vwoRevertCss(),(el=vwo_$("STRONG:tm('Success! You’re subscribed!')")).vwoRevertCss();})(".vwo_tm_1742501918554 STRONG:tm('Success! You’re subscribed!')")}}, C_940895_62_1_3_2:{ fn:function(log,nonce=''){return (function(x) {var el,ctx=vwo_$(x); /*vwo_debug log("remove",".field-item > p:nth-of-type(2)"); vwo_debug*/(el=vwo_$(".field-item > p:nth-of-type(2)")).vwoCss({display:"none !important"});})(".field-item > p:nth-of-type(2)")}}, R_940895_62_1_3_2:{ fn:function(log,nonce=''){return (function(x) { if(!vwo_$.fn.vwoRevertHtml){ return; }; var el,ctx=vwo_$(x); /*vwo_debug log("Revert","remove",".field-item > p:nth-of-type(2)"); vwo_debug*/(el=vwo_$(".field-item > p:nth-of-type(2)")).vwoRevertCss();})(".field-item > p:nth-of-type(2)")}}, C_940895_62_1_3_3:{ fn:function(log,nonce=''){return (function(x) {var el,ctx=vwo_$(x); /*vwo_debug log("remove","STRONG:tm('Before you go, would you consider something?')"); vwo_debug*/(el=vwo_$("STRONG:tm('Before you go, would you consider something?')")).vwoCss({display:"none !important"});})("STRONG:tm('Before you go, would you consider something?')")}}, C_940895_16_1_3_0:{ fn:function(log,nonce=''){return (function(x) { try{ var _vwo_sel = vwo_$("`); !vwo_$("head").find('#1738257835661').length && vwo_$('head').append(_vwo_sel);}catch(e) {console.error(e)} try{}catch(e) {console.error(e)} try{const DEAR_READER_HEADING_HTML="

Dear reader,

",DEAR_READER_BODY_HTML="\n

The trustworthy and factual news you find here at MPR News relies on the generosity of readers like you.\n

\n

Your donation ensures that our journalism remains available to all, connecting communities and facilitating better conversations for everyone.\n

\n

Will you make a gift today to help keep this trusted new source accessible to all?\n

\n",DEAR_READER_CTA_TEXT="Donate now »",DEAR_READER_CTA_LINK="https://support.mpr.org/secure/news-dear-reader?utm_term=dearreader_da";!function(){const e=async function(r,t=100,n=1e4){t=Number.isInteger(t)&&t>0&&t<=100?t:parseInt(t);let a="Array";if("NaN"==t)return console.error("Invalid refresh interval:",t);Array.isArray(r)||"string"!=typeof r||(a="string",r=[r]);let o=e=>document.querySelector(e),s=e=>e.every(e=>!!o(e));return new Promise((i,l)=>{let c=(e,r=null)=>(r&&clearInterval(r),i("Array"==a||e.length>1?e.map(e=>o(e)):o(e[0]))),u=a=>{console.error(`${a.name}: ${a.message}`);return l(a,()=>e(r,t=100,n=1e4))};try{if(s(r))return c(r);let e=setInterval(()=>{if(s(r))return c(r,e)},1e3/t);setTimeout(()=>{try{if(!s(r)){clearInterval(e);let r=Error(`Failed to find matching elements within ${n}ms`);throw r.name="Timed Out",r}}catch(e){return u(e)}},n)}catch(e){return u(e)}})};e("article").then(e=>{e.insertAdjacentHTML("beforeend",`
\n
\n

Dear reader,

\n ${DEAR_READER_BODY_HTML}\n \n \n \n
\n
`)})}();}catch(e) {console.error(e)} return vwo_$('head')[0] && vwo_$('head')[0].lastChild;})("head")}}, R_940895_16_1_3_0:{ fn:function(log,nonce=''){return (function(x) { try{ var ctx=vwo_$(x),el; /*vwo_debug log("Revert","content",""); vwo_debug*/; el=vwo_$('[vwo-element-id="1738257835661"]'); el.revertContentOp().remove(); } catch(e) {console.error(e)} try{ var el,ctx=vwo_$(x); /*vwo_debug log("Revert","addElement","body"); vwo_debug*/(el=vwo_$('[vwo-element-id="1738257835662"]')).remove(); } catch(e) {console.error(e)} return vwo_$('head')[0] && vwo_$('head')[0].lastChild;})("head")}}, GL_940895_16_pre:{ fn:function(VWO_CURRENT_CAMPAIGN, VWO_CURRENT_VARIATION,nonce = ""){try{!function(){try{var e=function(e){return Object.keys(e).find((function(e){return e.startsWith("__reactInternalInstance$")||e.startsWith("__reactFiber$")}))},n=function(e,n){if(e&&n)return e[n]},t=function(e,n,t){var i=(i=e.nodeName)&&i.toLowerCase();n.stateNode=e,n.child=null,n.tag=e.nodeType===Node.ELEMENT_NODE?5:6,n.type&&(n.type=n.elementType="vwo-"+i),n.alternate&&(n.alternate.stateNode=e),e[t]=n},i=function(e,n){var t=Date.now();!function i(){var l=Object.keys(n).find((function(e){return e.startsWith("__reactProps$")}))||"",r=Date.now();if(l&&n[l])switch(e.name){case"href":n[l].href=e.value;break;case"onClick":n[l].onClick&&delete n[l].onClick;break;case"onChange":n[l].onChange&&n[l].onChange({target:n})}l||3e3.form-actions .btn {\r\n padding: 20px 0;\r\n margin-left: 10px;\r\n width: 298px;\r\n text-transform: uppercase;\r\n font-size: 22px;\r\n color: #fff;\r\n font-weight: bold;\r\n background: #65d34a;\r\n border: 0px;\r\n}\r\n.form-actions .btn {\r\n font-size: 20px;\r\n font-size: 1.25rem;\r\n background: #2A6C7F;\r\n border-radius: 3px;\r\n color: rgb(255, 255, 255);\r\n cursor: pointer;\r\n display: block;\r\n font-weight: bold;\r\n line-height: 0.9;\r\n margin-left: 0px;\r\n text-align: center;\r\n text-transform: unset;\r\n width: 100%;\r\n}\r\n@media (min-width: 768px) {\r\n .form-actions .btn {\r\n margin: 20px auto;\r\n max-width: 470px;\r\n width: 50%;\r\n }\r\n}\r\n/*/\r\n/*/\r\n/*/\r\n/*/\r\n/*/\r\n/*/\r\n/*/\r\n/*/\r\n.NA .row {\r\n display: flex;\r\n flex-wrap: wrap;\r\n flex-direction: row;\r\n justify-content: center;\r\n align-items: flex-start;\r\n gap: 1rem;\r\n}\r\n.NA .col {\r\n display: flex;\r\n flex-wrap: nowrap;\r\n flex-direction: column;\r\n justify-content: flex-start;\r\n align-items: stretch;\r\n gap: 1rem;\r\n}\r\n.NA h1,\r\n.NA h2,\r\n.NA h3,\r\n.NA h4,\r\n.NA h5,\r\n.NA h6,\r\n.NA li,\r\n.NA p {\r\n margin-block-start: 0;\r\n margin-block-end: 0.5rem;\r\n line-height: 1.4;\r\n}\r\n.donation-interrupter {\r\n --donation-interrupter--margin: 1rem;\r\n --donation-interrupter--maxWidth: 768px;\r\n --donation-interrupter--button--numButtons: 2;\r\n --donation-interrupter--button--fgColor: white;\r\n --donation-interrupter--button--bgColor: #2A6C7F;\r\n --donation-interrupter--button--fgColor-hover: white;\r\n --donation-interrupter--button--bgColor-hover: #31abd4;\r\n}\r\ndialog.popup::backdrop {\r\n background: rgba(0 0 0 / 33.3%);\r\n}\r\n.donation-interrupter.popup {\r\n width: calc(100% - var(--donation-interrupter--margin) * 2);\r\n max-width: var(--donation-interrupter--maxWidth);\r\n padding: 0.5rem;\r\n border: none;\r\n}\r\n.donation-interrupter.popup > div {\r\n position: relative;\r\n padding: 1rem;\r\n border: 3px solid var(--donation-interrupter--button--bgColor);\r\n}\r\n.NA .row:has(button.btn) {\r\n /* flex-wrap: nowrap; */\r\n align-items: stretch;\r\n}\r\n.donation-interrupter.popup button.btn {\r\n flex-basis: calc((100% / var(--donation-interrupter--button--numButtons)) - (1rem / var(--donation-interrupter--button--numButtons)));\r\n padding: 12px 6px;\r\n width: auto;\r\n font-size: 18px;\r\n color: var(--donation-interrupter--button--fgColor);\r\n background: var(--donation-interrupter--button--bgColor);\r\n border: none;\r\n border-radius: 3px;\r\n cursor: pointer;\r\n display: block;\r\n font-weight: bold;\r\n line-height: 1.25;\r\n text-align: center;\r\n transition: background-color 0.15s linear, color 0.15s linear;\r\n}\r\n.donation-interrupter.popup button.btn:hover {\r\n color: var(--donation-interrupter--button--fgColor-hover);\r\n background: var(--donation-interrupter--button--bgColor-hover);\r\n}\r\n@media only screen and (max-width: 768px) {\r\n .donation-interrupter.popup button.btn {\r\n font-size: 16px;\r\n }\r\n}\r\n@media only screen and (max-width: 540px) {\r\n .donation-interrupter.popup button.btn {\r\n flex-basis: unset;\r\n width: 100%;\r\n min-width: 50%;\r\n max-width: 280px;\r\n }\r\n}\n`); !vwo_$("head").find('#1740425171461').length && vwo_$('head').append(_vwo_sel);}catch(e) {console.error(e)} try{}catch(e) {console.error(e)} try{const getCurrentDate = (d = new Date()) => d.toISOString().split('T')[0]; function vwoCustomEvent (labelValue) { window.VWO = window.VWO || []; VWO.event = VWO.event || function () {VWO.push(["event"].concat([].slice.call(arguments)))}; VWO.event("customEvent", { "label": labelValue.toString() }); } class RadioButtonComponent { constructor (element) { this.radio = element.querySelector('input[type="radio"]'); this.label = element.querySelector('label'); } get value () { let value = this.radio.value; if (Number.isNaN(parseFloat(value))) return value; if (parseFloat(value) % 1 == 0) return parseInt(value); return parseFloat(value); } set value (newValue) { this.radio.value = newValue; } get text () { return this.label.textContent; } set text (newText) { if (this.label.querySelector('.form-required')) { const labelTextNode = [...this.label.childNodes].filter(({ nodeType }) => nodeType === Node.TEXT_NODE)[0]; labelTextNode.nodeValue = newText; } else { this.label.textContent = newText; } } get checked () { return this.radio.checked; } set checked (bool) { this.click(), bool === true && this.radio.checked === true; } click () { this.label.click(); } select () { this.click(); } addEventListener (eventType, callbackFunction) { switch (eventType) { case 'click': this.label.addEventListener(eventType, callbackFunction); case 'change': default: this.radio.addEventListener(eventType, callbackFunction); } } } class TextFieldComponent { constructor (element) { this.input = element.querySelector('input[type="text"]'); this.label = element.querySelector('label'); } get value () { return this.input.value; } set value (newValue) { this.input.dispatchEvent(new Event('focus')); this.input.value = newValue; this.input.dispatchEvent(new Event('keyup')); this.input.dispatchEvent(new Event('change')); this.input.dispatchEvent(new Event('blur')); } get text () { return this.input.placeholder; } set text (newText) { this.input.placeholder = newText; } addEventListener (eventType, callbackFunction) { this.input.addEventListener(eventType, callbackFunction); } } class GiftArrayButton extends RadioButtonComponent { constructor (element) { super(element); } get amount () { return this.value; } set amount (newAmount) { if (Number.isNaN(parseInt(newAmount)) || parseInt(newAmount) <= 0) throw new Error("New amount must be a valid number greater than 0."); newAmount = parseInt(newAmount); this.text = '$' + newAmount; this.value = newAmount; } } class GiftArrayOtherAmount extends TextFieldComponent { constructor (element) { super(element); } get amount () { return parseFloat(this.value); } set amount (newAmount) { if (Number.isNaN(parseInt(newAmount)) || parseInt(newAmount) <= 0) throw new Error("New amount must be a valid number greater than 0."); newAmount = parseFloat(newAmount); this.value = newAmount; this.input.dispatchEvent(new Event('updateSummary')); } } class GiftArray extends Array { constructor (items) { if (!Array.isArray(items) && items.length === 0) { throw new Error("GiftArray: Arugment 1 is not an instance of Array with a length greater than 0:" + items.join(', ')); } if (items.every((item) => item instanceof GiftArrayButton || item instanceof GiftArrayOtherAmount)) { if (items.find((item) => item instanceof GiftArrayOtherAmount)) { let temp = items.find((item) => item instanceof GiftArrayOtherAmount); items = items.filter((item) => item instanceof GiftArrayButton); items.push(temp); } } else if (items.every((item) => item instanceof HTMLElement)) { items = items.map((item) => item.matches(".webform-component-textfield") ? new GiftArrayOtherAmount(item) : new GiftArrayButton(item)); } else { throw new Error("GiftArray: Arugment 1 is not of type HTMLElement, HTMLElement[], or GiftArrayButton|GiftArrayButton[]:" + items.join(', ')); } super(...items); this.Buttons = items.filter((item) => item instanceof GiftArrayButton); this.OtherAmountInput = items.find((item) => item instanceof GiftArrayOtherAmount); } get amount () { const activeButton = this.Buttons.find((item) => item.checked); if (activeButton.value === "other") { const otherButton = activeButton; if (!otherButton) { throw new Error("GiftArray.amount: Other Button was not defined."); } otherButton.click(); return this.OtherAmountInput.value; } else { return activeButton.value; } } set amount (newAmount) { if (Number.isNaN(parseInt(newAmount)) || parseInt(newAmount) <= 0) throw new Error("New amount must be a valid number greater than 0."); newAmount = parseFloat(newAmount); const matchingButton = this.find((item) => item.value === newAmount); if (matchingButton) { matchingButton.click(); } else { const otherButton = this.Buttons.find((item) => item.value === "other"); otherButton.click(); this.OtherAmountInput.amount = newAmount; } } addEventListeners (eventType, callbackFunction, filter = undefined) { if (filter && typeof filter === 'function') { const filteredItems = this.filter((item) => filter.call(this, item)); filteredItems.forEach((item) => item.addEventListener(eventType, callbackFunction)); } else if (filter && typeof filter === 'string') { if (filter.match(/buttons/gmi)) this.Buttons.forEach((item) => item.addEventListener(eventType, callbackFunction)); if (filter.match(/other/gmi)) this.OtherAmountInput.addEventListener(eventType, callbackFunction); } else { this.forEach((item) => item.addEventListener(eventType, callbackFunction)); } } } class FrequencyButton extends RadioButtonComponent { constructor (element) { super(element); } get frequency () { return this.text.match(/Monthly/gmi) ? "Monthly" : "One-Time"; } set freqency (newAmount) { if (Number.isNaN(parseInt(newAmount)) || parseInt(newAmount) <= 0) throw new Error("New amount must be a valid number greater than 0."); newAmount = parseInt(newAmount); this.text = '$' + newAmount; this.value = newAmount; } } class FrequencyArray extends Array { constructor (items) { if (!Array.isArray(items) && items.length === 0) { throw new Error("FrequencyArray: Arugment 1 is not an instance of Array with a length greater than 0:" + items.join(', ')); } /*if (items.every((item) => item instanceof GiftArrayButton || item instanceof GiftArrayOtherAmount)) { if (items.find((item) => item instanceof GiftArrayOtherAmount)) { let temp = items.find((item) => item instanceof GiftArrayOtherAmount); items = items.filter((item) => item instanceof GiftArrayButton); items.push(temp); } } else*/ if (items.every((item) => item instanceof HTMLElement)) { items = items.map((item) => item.matches(".webform-component-textfield") ? new GiftArrayOtherAmount(item) : new GiftArrayButton(item)); } else { throw new Error("FrequencyArray: Arugment 1 is not of type HTMLElement or HTMLElement[]:" + items.join(', ')); } super(...items); this.Buttons = items.filter((item) => item instanceof GiftArrayButton); } get frequency () { const activeButton = this.Buttons.find((item) => item.checked); if (activeButton.value === "recurs") return "monthly"; if (activeButton.value === "NO_RECURR") return "one-time"; return activeButton.value; } set frequency (newFrequency) { const reNewFrequencyValue = new RegExp(newFrequency, 'gmi'); const matchingButton = this.find((item) => item.value.match(reNewFrequencyValue) || item.text.match(reNewFrequencyValue)); matchingButton.click(); } get recurring () { return this.frequency === "monthly" ? true : false; } set recurring (bool) { this.frequency = bool === true ? "monthly" : "one-time"; } addEventListeners (eventType, callbackFunction, filter = undefined) { if (filter && typeof filter === 'function') { const filteredItems = this.filter((item) => filter.call(this, item)); filteredItems.forEach((item) => item.addEventListener(eventType, callbackFunction)); } else if (filter && typeof filter === 'string') { if (filter.match(/buttons/gmi)) this.Buttons.forEach((item) => item.addEventListener(eventType, callbackFunction)); if (filter.match(/other/gmi)) this.OtherAmountInput.addEventListener(eventType, callbackFunction); } else { this.forEach((item) => item.addEventListener(eventType, callbackFunction)); } } } // const lockedProperty = { writable: false, configurable: false, enumerable: true }; function DonationFormAPI (elements, options = {}) { const defaultOptions = { min: 1.00, max: 999999.99, makeTabbed: false, fakeSubmit: true, overrideGiftArrayValues: false, }; options = { ...defaultOptions, ...options }; // const { frequencyRadios, submitButton, root } = elements; const [ amountRadiosOnetime, amountRadiosMonthly ] = elements.amountRadios; const oneTimeOtherAmountWrapper = amountRadiosOnetime.find((div) => !div.matches('.webform-component-textfield') || div.querySelector('input[type="text"]')); const oneTimeRadioButtons = amountRadiosOnetime.filter((div) => div !== oneTimeOtherAmountWrapper); const monthlyOtherAmountWrapper = amountRadiosMonthly.find((div) => !div.matches('.webform-component-textfield') || div.querySelector('input[type="text"]')); const monthlyRadioButtons = amountRadiosMonthly.filter((div) => div !== monthlyOtherAmountWrapper); const debug = { log: (...args) => window.NA.DonationForm.DEBUG_MODE && console.log(...args), info: (...args) => window.NA.DonationForm.DEBUG_MODE && console.log(...args), warn: (...args) => window.NA.DonationForm.DEBUG_MODE && console.log(...args), error: (...args) => window.NA.DonationForm.DEBUG_MODE && console.log(...args), }; // const api = new Object(); Object.defineProperty(api, 'root', { value: root, writable: false, configurable: true, enumerable: true, }); Object.defineProperties(api, { 'FORM_MINIMUM': { value: options.min || 0, ...lockedProperty }, 'FORM_MAXIMUM': { value: options.max || Infinity, ...lockedProperty }, }); Object.defineProperties(api, { GiftArrays: { value: { "one-time": new GiftArray([ ...oneTimeRadioButtons, oneTimeOtherAmountWrapper ]), "monthly": new GiftArray([ ...monthlyRadioButtons, monthlyOtherAmountWrapper ]), }, writable: false, configurable: true, enumerable: true, }, Frequencies: { value: new FrequencyArray(frequencyRadios), writable: false, configurable: true, enumerable: true, }, SubmitButton: { value: submitButton, writable: false, configurable: false, enumerable: true, } }); Object.defineProperties(api, { 'getFrequency': { value: async function () { if (!this || this === null) throw new Error("validate: Unable to read API context."); return new Promise((resolve, reject) => { try { resolve(this.Frequencies.frequency); } catch (error) { reject(error); } }); }, ...lockedProperty }, 'setFrequency': { value: async function (frequency) { if (!this || this === null) throw new Error("validate: Unable to read API context."); return new Promise(async (resolve, reject) => { try { this.Frequencies.frequency = frequency; if (await this.getFrequency() === frequency) resolve(frequency); } catch (error) { reject(error); } }); }, ...lockedProperty }, 'getAmount': { value: async function (frequency = undefined) { if (!this || this === null) throw new Error("validate: Unable to read API context."); return new Promise(async (resolve, reject) => { try { frequency = frequency || await this.getFrequency(); if (frequency && this.GiftArrays.hasOwnProperty(frequency)) { const activeGiftArray = this.GiftArrays[frequency]; resolve(activeGiftArray.amount); } else { throw new Error("getAmount: Invalid frequency: " + frequency); } } catch (error) { reject(error); } }); }, ...lockedProperty }, 'setAmount': { value: async function (amount, frequency = undefined) { if (!this || this === null) throw new Error("validate: Unable to read API context."); return new Promise(async (resolve, reject) => { try { const currentFrequency = await this.getFrequency(); if (!frequency) { frequency = currentFrequency; } else if (frequency !== currentFrequency) { frequency = await this.setFrequency(frequency); } if (frequency && this.GiftArrays.hasOwnProperty(frequency)) { const activeGiftArray = this.GiftArrays[frequency]; activeGiftArray.amount = amount; } else { throw new Error("setAmount: Invalid frequency: " + frequency); } if (await this.getAmount() === amount) resolve(amount); } catch (error) { reject(error); } }); }, ...lockedProperty }, 'getRecurring': { value: async function () { if (!this || this === null) throw new Error("validate: Unable to read API context."); return new Promise((resolve, reject) => { try { resolve(this.Frequencies.recurring); } catch (error) { reject(error); } }); }, ...lockedProperty }, 'setRecurring': { value: async function (bool) { if (!this || this === null) throw new Error("validate: Unable to read API context."); return new Promise(async (resolve, reject) => { try { this.Frequencies.frequency = bool ? true : false; if (await this.getRecurring() === bool) resolve(bool); } catch (error) { reject(error); } }); }, ...lockedProperty }, freqency: { get () { return this.getFrequency() }, set (value) { this.setFrequency(value) }, enumerable: true, configurable: true, }, amount: { get () { return this.getAmount() }, set (value) { this.setAmount(value) }, enumerable: true, configurable: true, }, recurring: { get () { return this.getRecurring() }, set (value) { this.setRecurring(value) }, enumerable: true, configurable: true, }, }); Object.defineProperties(api, { 'submit': { value: async function (condition = this.validate||function(){return true}) { //this.hooks['onBeforeSubmit'].forEach((callback) => callback.call(this)); let result; const isAsyncFunction = (func) => func.constructor.name === "AsyncFunction"; if (Array.isArray(condition)) { if (condition.every((c) => typeof c === 'function' && isAsyncFunction(c))) { result = await Promise.all(condition.map(async (c) => await c.call(this))); } else if (condition.every((c) => typeof c === 'function')) { result = condition.every((c) => c.call(this)); } else if (condition.every((c) => c === true || c === false)) { result = condition.every((c) => c); } } else if (typeof condition === 'function' && isAsyncFunction(condition)) { result = await condition.call(this); } else if (typeof condition === 'function') { result = condition.call(this); } else if (condition === true || condition === false) { result = condition; } else { console.error("Unknown error."); debugger; } // if (result === true) { if (window.NA.DonationForm.hasOwnProperty("DEBUG_MODE") && window.NA.DonationForm["DEBUG_MODE"] == true) return console.log("Submit aborted (debug mode is enabled)."); this.SubmitButton.click(), this.hooks['onSubmit'].forEach((callback) => callback.call(this)); //this.hooks['onAfterSubmit'].forEach((callback) => callback.call(this)); } else { return console.log("Submit failed (conditions did not evaluate to true)."); } }, ...lockedProperty }, 'interceptSubmit': { value: function (handleInterceptedSubmit = () => { return new Promise((resolve) => resolve(undefined)) }) { try { window.NA.DonationForm.SubmitButtonCopy = window.NA.DonationForm.SubmitButtonCopy || createNewSubmitButton(window.NA.DonationForm.SubmitButton, { cloneOriginal: false, hideOriginal: true, observeOriginal: false }); window.NA.DonationForm.SubmitButtonCopy.addEventListener('click', async (event) => { event.preventDefault(), event.stopPropagation(); const shouldFormSubmit = await handleInterceptedSubmit.call(this, event); if (shouldFormSubmit) { console.info("Submit allowed by initial interceptSubmit callback function resulting in a truthy evaluation."); const formIsValid = await window.NA.DonationForm.validate(); if (!formIsValid) { // if submit allowed but there are known errors in the form console.warn("Form has known errors. Attempting to submit to show errors then retrying."); console.log("Submitting..."); window.NA.DonationForm.submit(true); // submit anyway to trigger the error to be shown window.NA.DonationForm.SubmitButton.style.setProperty("display", "none"), debug.info("SubmitButton hidden."), // hide the original submit button again window.NA.DonationForm.SubmitButtonCopy.style.setProperty("display", "none"), debug.info("SubmitButtonCopy hidden."); // hide the copy of the submit button again window.NA.DonationForm.SubmitButtonCopy.style.removeProperty("display"), debug.info("SubmitButtonCopy unhidden."); // show the copy of the submit button } else { console.log("Submitting..."); window.NA.DonationForm.submit(true); } } else { console.log("Submit prevented."); console.info("Next submit will be allowed."); window.NA.DonationForm.SubmitButton.style.removeProperty("display"), debug.info("SubmitButton unhidden."); // show the original submit button so that if something goes wrong the user can still click the submit button window.NA.DonationForm.SubmitButtonCopy.style.setProperty("display", "none"), debug.info("SubmitButtonCopy hidden."); // hide the copy of the submit button that intercepts submit attempts so that there aren't two buttons } }); console.log("Submit intercept added.\nButton:", window.NA.DonationForm.SubmitButtonCopy); } catch (error) { console.error("Failed to add submit intercept:", error); } }, ...lockedProperty }, 'validate': { value: async function (root = undefined) { if (!this || this === null) throw new Error("validate: Unable to read API context."); root = root || this.root; const flattenArray = (array) => array.reduce((flat, toFlatten) => flat.concat(Array.isArray(toFlatten) ? flattenArray(toFlatten) : toFlatten), []); try { const freqency = await this.getFrequency(), amount = await this.getAmount(); if (!freqency || !amount) return false; if (amount < this.FORM_MINIMUM || amount > this.FORM_MAXIMUM) return console.error("validate:", "Gift amount is invalid:", amount), false; let requiredFields = Array.from(root.querySelectorAll('label:has(.form-required)')) .map((label) => document.getElementById(label.htmlFor) || (label.nextElementSibling || label.previousElementSibling)) .filter((_) => !!_) // remove blanks .filter((field) => { if (field.name && field.name.includes('[payment_information]')) return false; return true; }) .map((field) => { if (field.matches("div")) return [...field.querySelectorAll('input')]; return field; }) requiredFields = flattenArray(requiredFields); const valid = requiredFields.every((input) => { const type = input.tagName.toLowerCase() === 'select' ? 'select' : input.type; const { name, value, id } = input; //console.log(type, name, value); if (name === 'submitted[payment_information][payment_fields][credit][card_number]') { if (value && value.length === 16) return true; return console.error("validate:", name+':', "CC is invalid."), false; } if (name === 'submitted[leadership_circle]') return true; if (name === 'submitted[donation][other_amount]' || name === 'submitted[donation][recurring_other_amount]') if (amount) return true; switch (type) { case 'email': const emailRegex = /^[a-zA-Z0-9._%+-]+@[a-zA-Z0-9.-]+\.[a-zA-Z]{2,}$/; if (!emailRegex.test(value)) return console.error("validate:", name+':', "Email address is invalid.\n", input, value), false; return true; case 'tel': if (!value || value.length < 10) return console.error("validate:", name+':', "Phone number is invalid.\n", input, value), false; return true; case 'select': case 'radio': case 'text': if (!value || value.length === 0) return console.error("validate:", name+':', "Field is invalid.\n", input, value), false; return true; default: debug.log("default"); return true; } /*if (!value || value.length === 0) return false;*/ }); return valid; } catch (error) { console.error(error); return false; } }, ...lockedProperty }, //'makeTabbed': { value: function(){} }, 'DonationInterrupter': { value: { init: initDonationInterrupter.bind(api) }, enumerable: true, configurable: true, writable: true, } }); initHooks(api, ['onFrequencyChange', 'onAmountChange', 'onTrySubmit', 'onSubmit']); api.Frequencies.addEventListeners('change', (event) => { if (event.target.checked) { api.hooks['onFrequencyChange'].forEach((callback) => { callback.call(api, event.target.value); }); } }); Object.entries(api.GiftArrays).forEach(([ key, GiftArray ]) => { GiftArray.addEventListeners('change', (event) => { if (event.target.checked) { api.hooks['onAmountChange'].forEach((callback) => { callback.call(api, event.target.value); }); } }); }); api.SubmitButton.addEventListener('click', (event) => { api.hooks['onTrySubmit'].forEach((callback) => callback.call(api, event)); }); api.root.addEventListener('submit', (event) => { api.hooks['onSubmit'].forEach((callback) => callback.call(api, event)); }); if (options.makeTabbed) api.makeTabbed(); /*if (options.fakeSubmit) window.NA.DonationForm.SubmitButtonCopy = window.NA.DonationForm.SubmitButtonCopy || createNewSubmitButton(window.NA.DonationForm.SubmitButton, { cloneOriginal: false, hideOriginal: true, observeOriginal: false });*/ return api; } function createNewSubmitButton (originalSubmitButton = window.NA.DonationForm.SubmitButton, options = {}) { const defaultOptions = { cloneOriginal: true, hideOriginal: true, observeOriginal: true, }; options = { ...defaultOptions, ...options }; const newSubmitButton = document.createElement('button'); //newSubmitButton.id = "submit-button-copy"; newSubmitButton.classList.add("btn"); newSubmitButton.textContent = originalSubmitButton.value; originalSubmitButton.after(newSubmitButton); options.hideOriginal && originalSubmitButton.style.setProperty("display", "none"); return newSubmitButton; } function initHooks (api, hookNames = []) { const hooks = Object.fromEntries(hookNames.map((hookName) => ([hookName, new Array()]))); Object.defineProperty(api, 'hooks', { value: hooks, ...lockedProperty }); } function initDonationInterrupter (options = {}) { const getExpId = () => { let experiments = window._vwo_exp; experiments = Object.entries(window._vwo_exp); let id = experiments.find(([id, data]) => { const name = data.name; return name.match(/Donation Interrupter/); })[1]?.id; return id; }; const getExpVariation = (id) => { let experiment = window._vwo_exp[id]; return experiment.combination_chosen || experiment.combination_selected; }; const defaultOptions = { id: [ 'VWO', getExpId(), getExpVariation(getExpId()) ].join('-'), tokenName: ("NA__MPR_DonationInterrupter:" + [ 'VWO', getExpId(), getExpVariation(getExpId()) ].join('-')), min: 10, max: 100, askAmount: (originalAmount) => { if (originalAmount > 500) // $500+ return false; // don't show if (originalAmount >= 400) // $400-$500 return 50; if (originalAmount >= 300) // $300-$399 return 40; if (originalAmount >= 200) // $200-$299 return 30; if (originalAmount >= 100) // $100-$199 return 15; if (originalAmount < 100) // $100- return 10; return false; }, askFrequency: (originalFrequency) => { return "monthly"; }, popupHTML: { headingHTML: (` `), bodyHTML: (` `), }, }; options = { ...defaultOptions, ...options }; console.log("Initializing donation interrupter."); return new Promise((resolve, reject) => { try { const dialogElement = document.createElement('dialog'); dialogElement.id = options.id; dialogElement.classList.add("popup", "donation-interrupter", "NA"); dialogElement.innerHTML = `
${options.popupHTML.headingHTML} ${options.popupHTML.bodyHTML}
`; document.body.appendChild(dialogElement); // // const api = new Object({ askAmount: options.askAmount, askFrequency: options.askFrequency, }); Object.defineProperties(api, { id: { value: options.id, writable: false, enumerable: true, configurable: false, }, tokenName: { value: options.tokenName, writable: false, enumerable: true, configurable: false, }, Dialog: { value: dialogElement, writable: false, enumerable: true, configurable: true, }, show: { value: function () { this.update(), this.Dialog.showModal(), vwoCustomEvent(`${this.id}:shown`); this.storedState.updateTokenProperty("lastShown", getCurrentDate()); this.hooks['onShow'].forEach((callback) => callback.call(this)); }, ...lockedProperty }, hide: { value: function () { this.Dialog.close(), this.hooks['onHide'].forEach((callback) => callback.call(this)); }, ...lockedProperty }, update: { value: function () { this.Dialog.dispatchEvent(new CustomEvent('update'), { bubbles: false }); }, ...lockedProperty } }); Object.defineProperty(api, 'storedState', { value: { storageApi: localStorage, getToken: (function () { const tokenName = this.tokenName, storageApi = this.storedState.storageApi; return JSON.parse(storageApi.getItem(tokenName)) || null; }).bind(api), setToken: (function (tokenValue) { const tokenName = this.tokenName, storageApi = this.storedState.storageApi; return storageApi.setItem(tokenName, JSON.stringify(tokenValue)); }).bind(api), updateTokenProperty: (function (tokenPropertyName, tokenPropertyValue) { let state = this.storedState.getToken() || {}; state[tokenPropertyName] = tokenPropertyValue; this.storedState.setToken(state); return (this.storedState.getToken() || {})[tokenPropertyName] || undefined; }).bind(api), } }); initHooks(api, ['onShow', 'onHide', 'onUpdate', 'onYes', 'onNo']); function handleDialogUpdate (event) { // update dynamic text in the dialog Array.from(this.Dialog.querySelectorAll('[data-value]')).forEach(async (el) => { const attributeValue = el.getAttribute('data-value'); const currentAmount = await window.NA.DonationForm.getAmount(), currentFrequency = await window.NA.DonationForm.getFrequency(); if (attributeValue.match("askAmount")) { el.textContent = this.askAmount(currentAmount); } else if (attributeValue.match("askFrequency")) { el.textContent = this.askFrequency(currentFrequency); } else if (attributeValue.match("originalAmount") || attributeValue.match("amount")) { el.textContent = currentAmount; } else if (attributeValue.match("originalFrequency") || attributeValue.match("frequency")) { el.textContent = currentFrequency; } }); this.hooks['onUpdate'].forEach((callback) => callback.call(this)); } api.Dialog.addEventListener('update', handleDialogUpdate.bind(api)); // const handleYes = (async function () { vwoCustomEvent(`${this.id}:DonationInterrupter:yes`); const currentAmount = await window.NA.DonationForm.getAmount(), currentFrequency = await window.NA.DonationForm.getFrequency(); const catchAsyncError = (error) => { console.error("An error occured:", error); debugger; this.hide(); }; window.NA.DonationForm.setFrequency(this.askFrequency(currentFrequency)).then((frequency) => { console.log("Updated frequency:", frequency); window.NA.DonationForm.setAmount(this.askAmount(currentAmount)).then((amount) => { console.log("Updated amount:", amount); setTimeout(() => { console.log("Submitting..."); try { window.NA.DonationForm.submit(); } catch (error) { console.error("Error when submitting."); } finally { this.hide(); } }, 100); }).catch(catchAsyncError); }).catch(catchAsyncError); this.storedState.updateTokenProperty("lastConverted", getCurrentDate()); }).bind(api); const handleNo = (function () { vwoCustomEvent(`${this.id}:DonationInterrupter:no`); setTimeout(() => { console.log("Submitting..."); try { window.NA.DonationForm.submit(); } catch (error) { console.error("Error when submitting."); } finally { this.hide(); } }, 100); this.storedState.updateTokenProperty("lastDismissed", getCurrentDate()); }).bind(api); const handleCancel = (function () { this.hide(); this.storedState.updateTokenProperty("lastDismissed", getCurrentDate()); }).bind(api); async function handleDialogButtonClick (event) { event.preventDefault(); if (event.target.hasAttribute('data-action')) { if (event.target.getAttribute('data-action').match("yes")) { await handleYes.call(this); this.hooks['onYes'].forEach((callback) => callback.call(this)); } if (event.target.getAttribute('data-action').match("no")) { await handleNo.call(this); this.hooks['onNo'].forEach((callback) => callback.call(this)); } } } Array.from(api.Dialog.querySelectorAll('.popup__footer button')).forEach((button) => button.addEventListener('click', handleDialogButtonClick.bind(api))); if (api.Dialog.querySelector('.btn-dismiss')) api.Dialog.querySelector('.btn-dismiss').onclick = handleCancel; window.NA.DonationForm.DonationInterrupter = api; async function shouldDonationInterrupterShow () { return new Promise(async (resolve, reject) => { const shouldSubmit = true, shouldNotSubmit = false; const shouldShow = () => { this.show(), resolve(shouldNotSubmit) }, shouldNotShow = () => resolve(shouldSubmit); try { const formIsValid = await window.NA.DonationForm.validate(); if (!formIsValid) return console.log("One or more donation form fields are invalid; donation interrupter will not be shown."), shouldNotShow(); const currentFrequency = await window.NA.DonationForm.getFrequency(), currentAmount = await window.NA.DonationForm.getAmount(), askFrequency = this.askFrequency(currentFrequency), askAmount = this.askAmount(currentAmount); if (!currentFrequency || askFrequency == currentFrequency) return console.log("Ask frequency returned false or invalid; donation interrupter will not be shown."), shouldNotShow(); if (askAmount == false || askAmount <= 0) return console.log("Ask amount returned false or invalid; donation interrupter will not be shown."), shouldNotShow(); } catch (error) { return console.error(error), shouldNotShow(); } try { /// Summary: shows when not seen before at all, or if seen and dismissed on a day that is not the current day (e.g. yesterday) const storedState = this.storedState.getToken(); if (!storedState || !storedState.hasOwnProperty("lastShown")) { // has not been seen before; first time return console.log("Donation interrupter not seen yet; donation interrupter will be shown."), shouldShow(); } else { // returning visitors if (storedState.hasOwnProperty("lastConverted")) { // the user has converted from the popup before return console.log("Already converted; donation interrupter will not be shown."), shouldNotShow(); } else if (storedState.hasOwnProperty("lastDismissed") && storedState['lastDismissed'] !== getCurrentDate()) { // if the popup has been dismissed before but the last time it was dismissed is NOT today return console.log("Donation interrupter dismissed, but not today; donation interrupter will be shown."), shouldShow(); } else { return console.log("Donation interrupter already seen and/or dismissed today; donation interrupter will not be shown."), shouldNotShow(); } } } catch (error) { return console.error(error), shouldNotShow(); } }); } window.NA.DonationForm.interceptSubmit(shouldDonationInterrupterShow.bind(api)); resolve(api); } catch (error) { console.error(error); } }); } window.NA = window.NA || {}; window.NA.DonationForm = window.NA.DonationForm || {}; window.NA.DonationForm.init = async function init () { console.log("Initializing donation form API. Waiting for required elements...."); return new Promise((resolve, reject) => { const asyncWaitForElement=async function(e,r=100,t=1e4){r=Number.isInteger(r)&&r>0&&r<=100?r:parseInt(r);let n="Array";if("NaN"==r)return console.error("Invalid refresh interval:",r);Array.isArray(e)||"string"!=typeof e||(n="string",e=[e]);let l=e=>document.querySelector(e),i=e=>e.every(e=>!!l(e));return new Promise((R,a)=>{let m=(e,r=null)=>(r&&clearInterval(r),R("Array"==n||e.length>1?e.map(e=>l(e)):l(e[0]))),o=n=>{console.error(`${n.name}: ${n.message}`);let l=()=>asyncWaitForElement(e,r=100,t=1e4);return a(n,l)};try{if(i(e))return m(e);let s=setInterval(()=>{if(i(e))return m(e,s)},1e3/r);setTimeout(()=>{try{if(!i(e)){clearInterval(s);let r=Error(`Failed to find matching elements within ${t}ms`);throw r.name="Timed Out",r}}catch(n){return o(n)}},t)}catch(u){return o(u)}})}; asyncWaitForElement([ 'form.webform-client-form', '#webform-component-donation--recurs-monthly', '#webform-component-donation--amount', '#webform-component-donation--recurring-amount', '.form-actions input[type="submit"]' ]).then(([ componentDonationForm, componentFrequency, componentAmountOnetime, componentAmountMonthly, formSubmitButton ]) => { const api = DonationFormAPI({ root: componentDonationForm, frequencyRadios: [...componentFrequency.querySelectorAll('.form-type-radio')], amountRadios: [ [...componentAmountOnetime.querySelectorAll('div > .form-type-radio, div > .webform-component-textfield')], [...componentAmountMonthly.querySelectorAll('div > .form-type-radio, div > .webform-component-textfield')], ], submitButton: formSubmitButton, // }); window.NA.DonationForm = { ...window.NA.DonationForm, ...api }; resolve(window.NA.DonationForm); }).catch((error) => reject(error)); }); }; }catch(e) {console.error(e)} return vwo_$('head')[0] && vwo_$('head')[0].lastChild;})("head")}}, R_940895_39_1_2_0:{ fn:function(log,nonce=''){return (function(x) { try{ var ctx=vwo_$(x),el; /*vwo_debug log("Revert","content",""); vwo_debug*/; el=vwo_$('[vwo-element-id="1740425171461"]'); el.revertContentOp().remove(); } catch(e) {console.error(e)} try{ var el,ctx=vwo_$(x); /*vwo_debug log("Revert","addElement","body"); vwo_debug*/(el=vwo_$('[vwo-element-id="1740425171462"]')).remove(); } catch(e) {console.error(e)} return vwo_$('head')[0] && vwo_$('head')[0].lastChild;})("head")}}, C_940895_39_1_2_1:{ fn:function(log,nonce=''){return (function(x) { try{ var _vwo_sel = vwo_$("`); !vwo_$("head").find('#1740425171462').length && vwo_$('head').append(_vwo_sel);}catch(e) {console.error(e)} try{}catch(e) {console.error(e)} try{const DONATION_INTERRUPTER_OPTIONS = { headingSectionHTML: (` `), bodySectionHTML: (` `), min: 100, // do not show if original gift is below this amount max: 500, // do not show if original gift is above this amount askAmount: (originalAmount) => { // the input is the original amount // the output is the ask amount, or false if the input does not map to an ask amount if (originalAmount > 500.00) // $500+ return false; // don't show if (originalAmount >= 400.00) // $400-$500 return 50.00; if (originalAmount >= 300.00) // $300-$399 return 40.00; if (originalAmount >= 200.00) // $200-$299 return 30.00; if (originalAmount >= 100.00) // $100-$199 return 15.00; if (originalAmount < 100.00) // $100- return 10.00; return false; }, }; // // // // * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * // // // window.NA.DonationForm.init({ makeTabbed: false }).then(async (donationFormApi) => { //console.log("DonationForm:", donationFormApi); console.log("Donation Form: %c READY %c", 'background-color: MediumSeaGreen; color: white; font-weight: bold;', 'background-color: unset; color: unset; font-weight: unset;'); console.log(donationFormApi); const interrupter = await donationFormApi.DonationInterrupter.init({ min: DONATION_INTERRUPTER_OPTIONS.min, max: DONATION_INTERRUPTER_OPTIONS.max, askAmount: DONATION_INTERRUPTER_OPTIONS.askAmount, popupHTML: { headingHTML: DONATION_INTERRUPTER_OPTIONS.headingSectionHTML, bodyHTML: DONATION_INTERRUPTER_OPTIONS.bodySectionHTML, }, }); //console.log("DonationInterrupter", interrupter); console.log("Donation Interrupter: %c READY %c", 'background-color: MediumSeaGreen; color: white; font-weight: bold;', 'background-color: unset; color: unset; font-weight: unset;'); console.log(interrupter); //interrupter.show(); // debug: always show popup immediately when page loads }).catch((error) => { console.log("Donation Interrupter: %c FAILED %c An error occured when initializing the API:", 'background-color: Tomato; color: white; font-weight: bold;', 'background-color: unset; color: Tomato; font-weight: unset;'), console.error(error) }); }catch(e) {console.error(e)} return vwo_$('head')[0] && vwo_$('head')[0].lastChild;})("head")}}, R_940895_62_1_3_3:{ fn:function(log,nonce=''){return (function(x) { if(!vwo_$.fn.vwoRevertHtml){ return; }; var el,ctx=vwo_$(x); /*vwo_debug log("Revert","remove","STRONG:tm('Before you go, would you consider something?')"); vwo_debug*/(el=vwo_$("STRONG:tm('Before you go, would you consider something?')")).vwoRevertCss();})("STRONG:tm('Before you go, would you consider something?')")}}, R_940895_63_1_2_0:{ fn:function(log,nonce=''){return (function(x) { if(!vwo_$.fn.vwoRevertHtml){ return; }; var el,ctx=vwo_$(x); /*vwo_debug log("Revert","remove","#tfa_31-HTML > p:nth-of-type(1)"); vwo_debug*/(el=vwo_$("#tfa_31-HTML > p:nth-of-type(1)")).vwoRevertCss(),(el=vwo_$('[vwo-element-id="1742589780114"]')).remove();})(".hintsBelow")}}, C_940895_16_1_2_0:{ fn:function(log,nonce=''){return (function(x) { try{ var _vwo_sel = vwo_$("`); !vwo_$("head").find('#1738257835657').length && vwo_$('head').append(_vwo_sel);}catch(e) {console.error(e)} try{}catch(e) {console.error(e)} try{const DEAR_READER_HEADING_HTML="

Dear reader,

",DEAR_READER_BODY_HTML="\n

Political debates with family or friends can get heated. But what if there was a way to handle them better?

\n

You can learn how to have civil political conversations with our new e-book!

\n

Download our free e-book, Talking Sense: Have Hard Political Conversations, Better, and learn how to talk without the tension.

\n",DEAR_READER_CTA_TEXT="Get your free ebook »",DEAR_READER_CTA_LINK="https://cloud.connect.mpr.org/mprnews-cfw03-01-talking-sense?utm_campaign=cfw_talkingsense&utm_term=dearreader_co";!function(){const e=async function(r,t=100,n=1e4){t=Number.isInteger(t)&&t>0&&t<=100?t:parseInt(t);let a="Array";if("NaN"==t)return console.error("Invalid refresh interval:",t);Array.isArray(r)||"string"!=typeof r||(a="string",r=[r]);let o=e=>document.querySelector(e),i=e=>e.every(e=>!!o(e));return new Promise((l,s)=>{let c=(e,r=null)=>(r&&clearInterval(r),l("Array"==a||e.length>1?e.map(e=>o(e)):o(e[0]))),d=a=>{console.error(`${a.name}: ${a.message}`);return s(a,()=>e(r,t=100,n=1e4))};try{if(i(r))return c(r);let e=setInterval(()=>{if(i(r))return c(r,e)},1e3/t);setTimeout(()=>{try{if(!i(r)){clearInterval(e);let r=Error(`Failed to find matching elements within ${n}ms`);throw r.name="Timed Out",r}}catch(e){return d(e)}},n)}catch(e){return d(e)}})};e("article").then(e=>{e.insertAdjacentHTML("beforeend",`
\n
\n

Dear reader,

\n ${DEAR_READER_BODY_HTML}\n \n \n \n
\n
`)})}();}catch(e) {console.error(e)} return vwo_$('head')[0] && vwo_$('head')[0].lastChild;})("head")}}, R_940895_16_1_2_0:{ fn:function(log,nonce=''){return (function(x) { try{ var ctx=vwo_$(x),el; /*vwo_debug log("Revert","content",""); vwo_debug*/; el=vwo_$('[vwo-element-id="1738257835657"]'); el.revertContentOp().remove(); } catch(e) {console.error(e)} try{ var el,ctx=vwo_$(x); /*vwo_debug log("Revert","addElement","body"); vwo_debug*/(el=vwo_$('[vwo-element-id="1738257835659"]')).remove(); } catch(e) {console.error(e)} return vwo_$('head')[0] && vwo_$('head')[0].lastChild;})("head")}}, C_940895_64_1_2_0:{ fn:function(log,nonce=''){return (function(x) {var el,ctx=vwo_$(x); /*vwo_debug log("content","#tfa_134-L > b:nth-of-type(1)"); vwo_debug*/el=vwo_$("#tfa_134-L > b:nth-of-type(1)"),vwo_$("#tfa_134-L > b:nth-of-type(1)").each((function(){this.__vwoControlOuterHTML=this.__vwoControlOuterHTML||this.outerHTML,vwo_$(this).vwoAttr("class",""),!vwo_$(this).find('[vwo-op-1742933835357-1=""]').length&&vwo_$(this).append('(Optional)'),vwo_$(this).nonEmptyContents().eq(0).replaceWith2(document.createTextNode("In your own words, why would an Marketplace listener choose to become an donor? "))})),el=vwo_$("#tfa_134-L > b:nth-of-type(1)");})("#tfa_134-L > b:nth-of-type(1)")}}, R_940895_64_1_2_0:{ fn:function(log,nonce=''){return (function(x) { if(!vwo_$.fn.vwoRevertHtml){ return; }; var el,ctx=vwo_$(x); /*vwo_debug log("Revert","content","#tfa_134-L > b:nth-of-type(1)"); vwo_debug*/(el=vwo_$("#tfa_134-L > b:nth-of-type(1)")).revertContentOp(),el=vwo_$("#tfa_134-L > b:nth-of-type(1)");})("#tfa_134-L > b:nth-of-type(1)")}}},rules:[{"tags":[{"id":"metric","data":{"type":"g","campaigns":[{"g":6,"c":39}]},"metricId":0}],"triggers":["12454059"]},{"tags":[{"id":"metric","data":{"type":"g","campaigns":[{"g":5,"c":16}]},"metricId":0}],"triggers":["12639747"]},{"tags":[{"id":"metric","data":{"type":"g","campaigns":[{"g":7,"c":39}]},"metricId":0}],"triggers":["12454062"]},{"tags":[{"priority":0,"id":"runCampaign","data":"campaigns.65"}],"triggers":["12928443"]},{"tags":[{"id":"metric","data":{"type":"m","campaigns":[{"g":2,"c":39}]},"metricId":959033},{"id":"metric","data":{"type":"m","campaigns":[{"g":3,"c":16}]},"metricId":959033},{"id":"metric","data":{"type":"m","campaigns":[{"g":1,"c":62}]},"metricId":959033},{"id":"metric","data":{"type":"m","campaigns":[{"g":2,"c":63}]},"metricId":959033},{"id":"metric","data":{"type":"m","campaigns":[{"g":2,"c":65}]},"metricId":959033},{"id":"metric","data":{"type":"m","campaigns":[{"g":2,"c":64}]},"metricId":959033},{"id":"metric","data":{"type":"m","campaigns":[{"g":3,"c":48}]},"metricId":959033}],"triggers":["8536415"]},{"tags":[{"id":"metric","data":{"type":"m","campaigns":[{"g":6,"c":16}]},"metricId":951908},{"id":"metric","data":{"type":"m","campaigns":[{"g":4,"c":62}]},"metricId":951908},{"id":"metric","data":{"type":"m","campaigns":[{"g":1,"c":63}]},"metricId":951908},{"id":"metric","data":{"type":"m","campaigns":[{"g":1,"c":65}]},"metricId":951908},{"id":"metric","data":{"type":"m","campaigns":[{"g":1,"c":64}]},"metricId":951908},{"id":"metric","data":{"type":"m","campaigns":[{"g":1,"c":48}]},"metricId":951908}],"triggers":["8639604"]},{"tags":[{"id":"metric","data":{"type":"m","campaigns":[{"g":4,"c":39}]},"metricId":951905},{"id":"metric","data":{"type":"m","campaigns":[{"g":2,"c":16}]},"metricId":951905},{"id":"metric","data":{"type":"m","campaigns":[{"g":5,"c":62}]},"metricId":951905},{"id":"metric","data":{"type":"m","campaigns":[{"g":5,"c":63}]},"metricId":951905},{"id":"metric","data":{"type":"m","campaigns":[{"g":5,"c":65}]},"metricId":951905},{"id":"metric","data":{"type":"m","campaigns":[{"g":5,"c":64}]},"metricId":951905},{"id":"metric","data":{"type":"m","campaigns":[{"g":2,"c":48}]},"metricId":951905}],"triggers":["8459768"]},{"tags":[{"priority":4,"id":"runCampaign","data":"campaigns.16"},{"priority":4,"id":"runCampaign","data":"campaigns.62"},{"priority":4,"id":"runCampaign","data":"campaigns.63"},{"priority":4,"id":"runCampaign","data":"campaigns.64"},{"priority":4,"id":"runCampaign","data":"campaigns.48"}],"triggers":["10589191"]},{"tags":[{"id":"metric","data":{"type":"m","campaigns":[{"g":3,"c":39}]},"metricId":959027},{"id":"metric","data":{"type":"m","campaigns":[{"g":1,"c":16}]},"metricId":959027},{"id":"metric","data":{"type":"m","campaigns":[{"g":3,"c":62}]},"metricId":959027},{"id":"metric","data":{"type":"m","campaigns":[{"g":4,"c":63}]},"metricId":959027},{"id":"metric","data":{"type":"m","campaigns":[{"g":4,"c":65}]},"metricId":959027},{"id":"metric","data":{"type":"m","campaigns":[{"g":4,"c":64}]},"metricId":959027},{"id":"metric","data":{"type":"m","campaigns":[{"g":5,"c":48}]},"metricId":959027}],"triggers":["8536409"]},{"tags":[{"id":"metric","data":{"type":"m","campaigns":[{"g":1,"c":39}]},"metricId":959030},{"id":"metric","data":{"type":"m","campaigns":[{"g":4,"c":16}]},"metricId":959030},{"id":"metric","data":{"type":"m","campaigns":[{"g":2,"c":62}]},"metricId":959030},{"id":"metric","data":{"type":"m","campaigns":[{"g":3,"c":63}]},"metricId":959030},{"id":"metric","data":{"type":"m","campaigns":[{"g":3,"c":65}]},"metricId":959030},{"id":"metric","data":{"type":"m","campaigns":[{"g":3,"c":64}]},"metricId":959030},{"id":"metric","data":{"type":"m","campaigns":[{"g":4,"c":48}]},"metricId":959030}],"triggers":["8536412"]},{"tags":[{"id":"metric","data":{"type":"g","campaigns":[{"g":5,"c":39}]},"metricId":0}],"triggers":["12454056"]},{"tags":[{"priority":4,"id":"runCampaign","data":"campaigns.39"}],"triggers":["12454053"]},{"tags":[{"id":"urlChange"}],"triggers":["75"]},{"tags":[{"priority":2,"id":"groupCampaigns"},{"id":"prePostMutation","priority":3}],"triggers":["8"]},{"tags":[{"id":"checkEnvironment"}],"triggers":["5"]},{"tags":[{"id":"runTestCampaign"}],"triggers":["2"]},{"tags":[{"priority":2,"id":"visibilityService"}],"triggers":["9"]}],pages:{"pc":[{"141375":{"inc":["o",["url","urlReg","(?i)^https?\\:\\\/\\\/(w{3}\\.)?mprnews\\.org\\\/story.*"],["url","urlReg","(?i)^https?\\:\\\/\\\/(w{3}\\.)?mprnews\\.org\\\/episode.*"]]}}],"ec":[{"1625289":{"inc":["o",["url","urlReg","(?i).*"]]}},{"2121531":{"inc":["o",["pg","eq","141375"]]}}]},pagesEval:{"pc":[141375],"ec":[1625289,2121531]},stags:{}}})(); ;;var commonWrapper=function(argument){if(!argument){argument={valuesGetter:function(){return{}},valuesSetter:function(){},verifyData:function(){return{}}}}const getVisitorUuid=function(){if(window._vwo_acc_id>=1037725){return window.VWO&&window.VWO.get("visitor.id")}else{return window.VWO._&&window.VWO._.cookies&&window.VWO._.cookies.get("_vwo_uuid")}};var pollInterval=100;var timeout=6e4;return function(){var accountIntegrationSettings={};var _interval=null;function waitForAnalyticsVariables(){try{accountIntegrationSettings=argument.valuesGetter();accountIntegrationSettings.visitorUuid=getVisitorUuid()}catch(error){accountIntegrationSettings=undefined}if(accountIntegrationSettings&&argument.verifyData(accountIntegrationSettings)){argument.valuesSetter(accountIntegrationSettings);return 1}return 0}var currentTime=0;_interval=setInterval((function(){currentTime=currentTime||performance.now();var result=waitForAnalyticsVariables();if(result||performance.now()-currentTime>=timeout){clearInterval(_interval)}}),pollInterval)}}; var pushBasedCommonWrapper=function(argument){var firedCamp={};if(!argument){argument={integrationName:"",getExperimentList:function(){},accountSettings:function(){},pushData:function(){}}}return function(){window.VWO=window.VWO||[];const getVisitorUuid=function(){if(window._vwo_acc_id>=1037725){return window.VWO&&window.VWO.get("visitor.id")}else{return window.VWO._&&window.VWO._.cookies&&window.VWO._.cookies.get("_vwo_uuid")}};var sendDebugLogsOld=function(expId,variationId,errorType,user_type,data){try{var errorPayload={f:argument["integrationName"]||"",a:window._vwo_acc_id,url:window.location.href,exp:expId,v:variationId,vwo_uuid:getVisitorUuid(),user_type:user_type};if(errorType=="initIntegrationCallback"){errorPayload["log_type"]="initIntegrationCallback";errorPayload["data"]=JSON.stringify(data||"")}else if(errorType=="timeout"){errorPayload["timeout"]=true}if(window.VWO._.customError){window.VWO._.customError({msg:"integration debug",url:window.location.href,lineno:"",colno:"",source:JSON.stringify(errorPayload)})}}catch(e){window.VWO._.customError&&window.VWO._.customError({msg:"integration debug failed",url:"",lineno:"",colno:"",source:""})}};var sendDebugLogs=function(expId,variationId,errorType,user_type){var eventName="vwo_debugLogs";var eventPayload={};try{eventPayload={intName:argument["integrationName"]||"",varId:variationId,expId:expId,type:errorType,vwo_uuid:getVisitorUuid(),user_type:user_type};if(window.VWO._.event){window.VWO._.event(eventName,eventPayload,{enableLogs:1})}}catch(e){eventPayload={msg:"integration event log failed",url:window.location.href};window.VWO._.event&&window.VWO._.event(eventName,eventPayload)}};const callbackFn=function(data){if(!data)return;var expId=data[1],variationId=data[2],repeated=data[0],singleCall=0,debug=0;var experimentList=argument.getExperimentList();var integrationName=argument["integrationName"]||"vwo";if(typeof argument.accountSettings==="function"){var accountSettings=argument.accountSettings();if(accountSettings){singleCall=accountSettings["singleCall"];debug=accountSettings["debug"]}}if(debug){sendDebugLogs(expId,variationId,"intCallTriggered",repeated)}if(singleCall&&(repeated==="vS"||repeated==="vSS")||firedCamp[expId]){return}window.expList=window.expList||{};var expList=window.expList[integrationName]=window.expList[integrationName]||[];if(expId&&variationId&&["VISUAL_AB","VISUAL","SPLIT_URL"].indexOf(_vwo_exp[expId].type)>-1){if(experimentList.indexOf(+expId)!==-1){firedCamp[expId]=variationId;var visitorUuid=getVisitorUuid();var pollInterval=100;var currentTime=0;var timeout=6e4;var user_type=_vwo_exp[expId].exec?"vwo-retry":"vwo-new";var interval=setInterval((function(){if(expList.indexOf(expId)!==-1){clearInterval(interval);return}currentTime=currentTime||performance.now();var toClearInterval=argument.pushData(expId,variationId,visitorUuid);if(debug&&toClearInterval){sendDebugLogsOld(expId,variationId,"",user_type);sendDebugLogs(expId,variationId,"intDataPushed",user_type)}var isTimeout=performance.now()-currentTime>=timeout;if(isTimeout&&debug){sendDebugLogsOld(expId,variationId,"timeout",user_type);sendDebugLogs(expId,variationId,"intTimeout",user_type)}if(toClearInterval||isTimeout){clearInterval(interval)}if(toClearInterval){window.expList[integrationName].push(expId)}}),pollInterval||100)}}};window.VWO.push(["onVariationApplied",callbackFn]);window.VWO.push(["onVariationShownSent",callbackFn])}}; var surveyDataCommonWrapper=function(argument){if(!argument){argument={getCampaignList:function(){return[]},surveyStatusChange:function(){},answerSubmitted:function(){}}}return function(){window.VWO=window.VWO||[];function getValuesFromAnswers(answers){var values=[];for(var i=0;i=timeout;if(toClearInterval||isTimeout){clearInterval(interval)}}),pollInterval)}}window.VWO.push(["onSurveyShown",function(data){commonSurveyCallback(data,argument.surveyStatusChange,"surveyShown")}]);window.VWO.push(["onSurveyCompleted",function(data){commonSurveyCallback(data,argument.surveyStatusChange,"surveyCompleted")}]);window.VWO.push(["onSurveyAnswerSubmitted",function(data){commonSurveyCallback(data,argument.answerSubmitted,"surveySubmitted")}])}}; (function(){var VWOOmniTemp={};window.VWOOmni=window.VWOOmni||{};for(var key in VWOOmniTemp)Object.prototype.hasOwnProperty.call(VWOOmniTemp,key)&&(window.VWOOmni[key]=VWOOmniTemp[key]);;})();(function(){window.VWO=window.VWO||[];var pollInterval=100;var _vis_data={};var intervalObj={};var analyticsTimerObj={};var experimentListObj={};window.VWO.push(["onVariationApplied",function(data){if(!data){return}var expId=data[1],variationId=data[2];if(expId&&variationId&&["VISUAL_AB","VISUAL","SPLIT_URL"].indexOf(window._vwo_exp[expId].type)>-1){}}])})();; ;var vD=VWO.data||{};VWO.data={content:{"fns":{"list":{"args":{"1":{}},"vn":1}}},as:"r5.visualwebsiteoptimizer.com",dacdnUrl:"https://dev.visualwebsiteoptimizer.com",accountJSInfo:{"ts":1744029628,"noSS":false,"pc":{"a":0,"t":0},"rp":30}};for(var k in vD){VWO.data[k]=vD[k]};;var gcpfb=function(a,loadFunc,status,err,success){function vwoErr() {_vwo_err({message:"Google_Cdn failing for " + a + ". Trying Fallback..",code:"cloudcdnerr",status:status});} if(a.indexOf("/cdn/")!==-1){loadFunc(a.replace("cdn/",""),err,success); vwoErr(); return true;} else if(a.indexOf("/dcdn/")!==-1&&a.indexOf("evad.js") !== -1){loadFunc(a.replace("dcdn/",""),err,success); vwoErr(); return true;}};window.VWO=window.VWO || [];window.VWO._= window.VWO._ || {};window.VWO._.gcpfb=gcpfb;;var d={cookie:document.cookie,URL:document.URL,referrer:document.referrer};var w={VWO:{_:{}},location:{href:window.location.href,search:window.location.search},_vwoCc:window._vwoCc};;window._vwo_cdn="https://dev.visualwebsiteoptimizer.com/cdn/";window._vwo_apm_debug_cdn="https://dev.visualwebsiteoptimizer.com/cdn/";window.VWO._.useCdn=true;window.vwo_eT="br";window._VWO=window._VWO||{};window._VWO.fSeg={};window._VWO.dcdnUrl="/dcdn/settings.js";window.VWO.sTs=1744023116;window._VWO._vis_nc_lib=window._vwo_cdn+"edrv/nc-7ac801e4089cd91a786fef014e4c85b6br.js";var loadWorker=function(url){_vwo_code.load(url, { dSC: true, onloadCb: function(xhr,a){window._vwo_wt_l=true;if(xhr.status===200 ||xhr.status===304){var code="var window="+JSON.stringify(w)+",document="+JSON.stringify(d)+";window.document=document;"+xhr.responseText;var blob=new Blob([code||"throw new Error('code not found!');"],{type:"application/javascript"}),url=URL.createObjectURL(blob);window.mainThread={webWorker:new Worker(url)};window.vwoChannelFW=new MessageChannel();window.vwoChannelToW=new MessageChannel();window.mainThread.webWorker.postMessage({vwoChannelToW:vwoChannelToW.port1,vwoChannelFW:vwoChannelFW.port2},[vwoChannelToW.port1, vwoChannelFW.port2]);if(!window._vwo_mt_f)return window._vwo_wt_f=true;_vwo_code.addScript({text:window._vwo_mt_f});delete window._vwo_mt_f}else{if(gcpfb(a,loadWorker,xhr.status)){return;}_vwo_code.finish("&e=loading_failure:"+a)}}, onerrorCb: function(a){if(gcpfb(a,loadWorker)){return;}window._vwo_wt_l=true;_vwo_code.finish("&e=loading_failure:"+a);}})};loadWorker("https://dev.visualwebsiteoptimizer.com/cdn/edrv/worker-8e256d147e8184665e6fbada421c009cbr.js");;var _vis_opt_file;var _vis_opt_lib;if(window.VWO._.allSettings.dataStore.previewExtraSettings!=undefined&&window.VWO._.allSettings.dataStore.previewExtraSettings.isSurveyPreviewMode){var surveyHash=window.VWO._.allSettings.dataStore.plugins.LIBINFO.SURVEY_DEBUG_EVENTS.HASH;var param1="evad.js?va=";var param2="&d=debugger_new";var param3="&sp=1&a=940895&sh="+surveyHash;_vis_opt_file=vwoCode.use_existing_jquery&&typeof vwoCode.use_existing_jquery()!=="undefined"?vwoCode.use_existing_jquery()?param1+"vanj"+param2:param1+"va_gq"+param2:param1+"edrv/va_gq-5a6f22c813a9df49f96c06d31639d839br.js"+param2;_vis_opt_file=_vis_opt_file+param3;_vis_opt_lib="https://dev.visualwebsiteoptimizer.com/dcdn/"+_vis_opt_file}else if(window.VWO._.allSettings.dataStore.mode!=undefined&&window.VWO._.allSettings.dataStore.mode=="PREVIEW"){ var path1 = 'edrv/pd_'; var path2 = window.VWO._.allSettings.dataStore.plugins.LIBINFO.EVAD.HASH + ".js"; ;_vis_opt_file=vwoCode.use_existing_jquery&&typeof vwoCode.use_existing_jquery()!=="undefined"?vwoCode.use_existing_jquery()?path1+"vanj"+path2:path1+"va_gq"+path2:path1+"edrv/va_gq-5a6f22c813a9df49f96c06d31639d839br.js"+path2;_vis_opt_lib="https://dev.visualwebsiteoptimizer.com/cdn/"+_vis_opt_file}else{_vis_opt_file=vwoCode.use_existing_jquery&&typeof vwoCode.use_existing_jquery()!=="undefined"?vwoCode.use_existing_jquery()?"edrv/vanj-2a6483c5cf610990bd17cb7b26c36012br.js":"edrv/va_gq-5a6f22c813a9df49f96c06d31639d839br.js":"edrv/va_gq-5a6f22c813a9df49f96c06d31639d839br.js"}window._vwo_library_timer=setTimeout((function(){vwoCode.removeLoaderAndOverlay&&vwoCode.removeLoaderAndOverlay();vwoCode.finish()}),vwoCode.library_tolerance&&typeof vwoCode.library_tolerance()!=="undefined"?vwoCode.library_tolerance():2500),_vis_opt_lib=typeof _vis_opt_lib=="undefined"?window._vwo_cdn+_vis_opt_file:_vis_opt_lib;var loadLib=function(url){_vwo_code.load(url, { dSC: true, onloadCb:function(xhr,a){window._vwo_mt_l=true;if(xhr.status===200 || xhr.status===304){if(!window._vwo_wt_f)return window._vwo_mt_f=xhr.responseText;_vwo_code.addScript({text:xhr.responseText});delete window._vwo_wt_f;}else{if(gcpfb(a,loadLib,xhr.status)){return;}_vwo_code.finish("&e=loading_failure:"+a);}}, onerrorCb: function(a){if(gcpfb(a,loadLib)){return;}window._vwo_mt_l=true;_vwo_code.finish("&e=loading_failure:"+a);}})};loadLib(_vis_opt_lib);VWO.load_co=function(u,opts){return window._vwo_code.load(u,opts);};;;}}catch(e){_vwo_code.finish();_vwo_code.removeLoaderAndOverlay&&_vwo_code.removeLoaderAndOverlay();_vwo_err(e);window.VWO.caE=1}})();

Program to help rural home buyers is nearly broke

Rural homes program
In this April 5, 2010 photo, Lisa Kartak stands near an open field and looks toward the home she purchased in Annandale, Minn., through the U.S. Department of Agriculture's Rural Development program. The federal loan program that has helped hundreds of thousands of Americans buy homes in rural areas is about to run out of money, potentially crippling the real estate market in many small communities.
AP Photo/Andy Blenkush

A federal loan program that has helped hundreds of thousands of Americans buy homes in rural areas is about to run out of money, potentially crippling the real estate market in many small communities.

Since last fall, the loans from the Department of Agriculture have fueled much of the real estate business in some parts of the country. Real estate agents are pleading with Congress to find a way to keep the money flowing until more funding becomes available later in the year.

The program has doubled in size thanks to stimulus money, but now it appears to be a victim of its own success, largely because of the generous terms offered to borrowers.

"It definitely helped me out," said Lisa Kartak, who closed late last month on a new three-bedroom house in Annandale, a small town 50 miles west of Minneapolis. "If I didn't get approved through them, I would have had to bring thousands of dollars to the table."

The USDA's Rural Development program provides 30-year fixed-rate mortgages at market rates. Buyers do not have to put any money down, unlike loans from the better known Federal Housing Administration, which requires a down payment of 3.5 percent. And unlike FHA loans, there are no monthly mortgage insurance premiums in the USDA program.

The program aims to help often-struggling rural communities by assisting home buyers who might otherwise move to bigger cities.

The loans are offered through local lenders, and the approval process is usually fast. To be eligible, people must be in communities with fewer than 20,000 residents and live outside metropolitan areas.

Federal stimulus money has helped the program offer many more mortgages than in the past. In the current fiscal year, the amount of loans available climbed from $6 billion to $12 billion. Nearly 116,000 loans were financed in the 2009 fiscal year. That's more than double the number in the previous year.

But even with its funding doubled, the program is expected to run out of money later this month, said Jay Fletcher, an agency spokesman.

That's alarmed the National Association of Realtors, which is pressuring Congress to continue the program until the end of the fiscal year Sept. 30, after which the Obama administration has proposed making another $12 billion in loans available.

"As private mortgage markets have dried up, many rural families will be left out in the cold without these guaranteed loans," association President Vicki Cox Golder wrote to leaders of the House and Senate appropriations committees.

Pat Hill, a real estate agent in Annandale, said loss of the loans would be a serious blow for his business. He estimated that 70 percent of the homes he's sold in the last couple years have involved Rural Development mortgages. That's 15 to 20 families.

Some were first-time buyers, while others were families who wanted to trade up to bigger homes but did not have enough equity in their old homes to make the big down payments required with a conventional mortgage.

"It would crush us not to have it," Hill said. "It really would. Our whole office uses it. ... I hope they figure something out quickly."

Program officials note that although the loans are aimed at low- to moderate-income buyers, the program's default and foreclosure rates are lower than FHA loans.

For fiscal 2009, the USDA program's delinquency and foreclosure rates were 12.16 percent and 1.72 percent, respectively, compared with 14.57 percent and 3.32 percent for FHA mortgages.

"This is not a subprime program," said Joaquin Tremlos, acting director of the program, referring to risky loans that were blamed in part for the nation's economic meltdown in 2008.

The loans are guaranteed by the federal government, so there's less risk to the participating lenders, which include big national banks such as Chase and Wells Fargo as well as smaller mortgage companies.

Tremlos said his agency's loan program is necessary because the housing needs of rural America are different from those of urban areas traditionally served by FHA, which insures roughly 30 percent of all new mortgages and is the government's largest backer of mortgages to first-time buyers.

The Rural Development loans also have a faster approval process with sophisticated automation. Applications are reviewed using artificial intelligence that builds on the progam's experience with hundreds of thousands of other loans. The process makes it easier to predict accurately whether buyers can afford their payments.

And unlike FHA, Rural Development has a network of field offices nationwide that review the applications before closing.

"This is a very well-performing program, a very safe lending program," Tremlos said. "Even though it's a no-down-payment program, there are lots of safeguards to take that higher risk into account."

Democratic Rep. Barney Frank of Massachusetts, chairman of the House Financial Services Committee, and four other members of his panel wrote letters to Agriculture Secretary Tom Vilsack last month supporting the program and proposing immediate funding options.

Waiting until the next fiscal year to replenish the program would mean shutting it down for five months. And proponents say that would hurt people who could not get a conventional mortgage.

"Keep in mind, to pull out of this recession, home buying and purchasing financing are extremely important, not to mention the human element of being able to purchase your own home," said Rep. Shelley Moore Capito, a Republican from West Virginia and the ranking minority member of a housing subcommittee.

In Minnesota, Kartak said she feels lucky she closed on her home before the program ran out of money.

Although the 28-year-old single woman has a steady job, she didn't have much money for a down payment and probably would still be renting if not for the program.

"I think it's a great program," Kartak said. "I think it worked well for me, and I think it's great they're using it as a way to build up rural areas."

(Copyright 2010 by The Associated Press. All Rights Reserved.)

Volume Button
Volume
Now Listening To Livestream
MPR News logo
On Air
MPR News