{"data":{"allPrismicDataProjects":{"edges":[{"node":{"last_publication_date":"2019-03-29T10:27:03+0000","uid":"top_5_cities_pollution_decrease","data":{"title":{"text":"Median Air Pollution Levels in Large U.S. Cities Have Decreased 35% in the Last 15 Years"},"description":{"text":"According to new data by air quality research group Puraka, the EPA's Air Quality Index score, a measure of particulate pollution used to estimate the health impact of different air quality levels, has decreased by 35% over the fifteen year period from 2004 to 2019. Puraka examined which U.S. cities (combined statistical areas  with a population 250k+) have been most effective at improving the  quality of the air their residents breathe. Using air quality index (AQI) data,  we saw that the median AQI dropped from a score of  2004 score of 46, right around the point where the air quality goes from \"good\" to \"moderate\", to a score of 30 in 2019. Additionally, the data highlights the top five cities working the hardest - or possibly the  smartest - to increase quality of life and reduce air pollution (see figure below). The study looked at all U.S. Combined Statistical  Areas with a population over 250,000  and air quality index (AQI) records going back every year to 2004. To determine the five cities with the largest reduction in median AQI scores (representing the biggest decrease in air pollution), we relied on data representing the difference between the sum of median AQI scores for years 2004-2008 and years 2014-2018.  Read about the five cities that did the most to reduce air pollution and make their metros more liveable at our 2019 Wyse Awards for  pollution reduction."},"thumbnail":{"url":"https://walletwyse.cdn.prismic.io/walletwyse/ebc800de83206315654eab535e424860eb9a3a13_industry-3454488_1920.jpg","dimensions":{"width":1920,"height":1183},"localFile":{"childImageSharp":{"fluid":{"base64":"data:image/jpeg;base64,/9j/2wBDABALDA4MChAODQ4SERATGCgaGBYWGDEjJR0oOjM9PDkzODdASFxOQERXRTc4UG1RV19iZ2hnPk1xeXBkeFxlZ2P/2wBDARESEhgVGC8aGi9jQjhCY2NjY2NjY2NjY2NjY2NjY2NjY2NjY2NjY2NjY2NjY2NjY2NjY2NjY2NjY2NjY2NjY2P/wgARCAAMABQDASIAAhEBAxEB/8QAFgABAQEAAAAAAAAAAAAAAAAABAAB/8QAFQEBAQAAAAAAAAAAAAAAAAAAAgP/2gAMAwEAAhADEAAAATaLY2dCkf/EABkQAAIDAQAAAAAAAAAAAAAAAAARAQITA//aAAgBAQABBQLQ1kt1lsYz/8QAGBEAAgMAAAAAAAAAAAAAAAAAAAECAxL/2gAIAQMBAT8BdkjbP//EABcRAAMBAAAAAAAAAAAAAAAAAAABEgL/2gAIAQIBAT8BjJKP/8QAFBABAAAAAAAAAAAAAAAAAAAAIP/aAAgBAQAGPwJf/8QAGhABAAMAAwAAAAAAAAAAAAAAAQARMRBhcf/aAAgBAQABPyG4ZwAYOS9S/U8E/9oADAMBAAIAAwAAABB/z//EABgRAAIDAAAAAAAAAAAAAAAAAAABETFB/9oACAEDAQE/EGNHLZ//xAAXEQEBAQEAAAAAAAAAAAAAAAABAEFR/9oACAECAQE/EAMjjf/EABoQAQEBAQEBAQAAAAAAAAAAAAERACFRcYH/2gAIAQEAAT8Q6hB7dM4hfcfROL7rwyXEFRfTKWw/N//Z","aspectRatio":3.32,"src":"/static/3800a537993f7bfec454a923ef8badd6/e6ae9/0f771a4faeadb7f5be26f33b1637e308.jpg","srcSet":"/static/3800a537993f7bfec454a923ef8badd6/80f39/0f771a4faeadb7f5be26f33b1637e308.jpg 166w,\n/static/3800a537993f7bfec454a923ef8badd6/02e61/0f771a4faeadb7f5be26f33b1637e308.jpg 332w,\n/static/3800a537993f7bfec454a923ef8badd6/e6ae9/0f771a4faeadb7f5be26f33b1637e308.jpg 663w,\n/static/3800a537993f7bfec454a923ef8badd6/86154/0f771a4faeadb7f5be26f33b1637e308.jpg 995w,\n/static/3800a537993f7bfec454a923ef8badd6/948d1/0f771a4faeadb7f5be26f33b1637e308.jpg 1326w,\n/static/3800a537993f7bfec454a923ef8badd6/d3cba/0f771a4faeadb7f5be26f33b1637e308.jpg 1920w","srcWebp":"/static/3800a537993f7bfec454a923ef8badd6/a1ce3/0f771a4faeadb7f5be26f33b1637e308.webp","srcSetWebp":"/static/3800a537993f7bfec454a923ef8badd6/92185/0f771a4faeadb7f5be26f33b1637e308.webp 166w,\n/static/3800a537993f7bfec454a923ef8badd6/a2201/0f771a4faeadb7f5be26f33b1637e308.webp 332w,\n/static/3800a537993f7bfec454a923ef8badd6/a1ce3/0f771a4faeadb7f5be26f33b1637e308.webp 663w,\n/static/3800a537993f7bfec454a923ef8badd6/a0d7a/0f771a4faeadb7f5be26f33b1637e308.webp 995w,\n/static/3800a537993f7bfec454a923ef8badd6/672f9/0f771a4faeadb7f5be26f33b1637e308.webp 1326w,\n/static/3800a537993f7bfec454a923ef8badd6/f2c39/0f771a4faeadb7f5be26f33b1637e308.webp 1920w","sizes":"(max-width: 663px) 100vw, 663px"}}}}}}},{"node":{"last_publication_date":"2019-02-12T08:20:51+0000","uid":"regional-air-quality","data":{"title":{"text":"Summer Air Quality in California & the Pacific Northwest"},"description":{"text":"Beginning in June of last year, measurement stations across the U.S. began to regularly measure maximum particulate levels in the \"Unhealthy for Sensitive Groups\" range. From July to September, stations in all three regions reported \"Unhealthy\" air pollution levels, particularly in California and the Pacific Northwest. In November, during California's \"Campfire\" wildfire, some stations in Southern California reported particulate levels high enough to warrrant a \"Hazardous\" rating from the EPA, advising anyone in the impacted area to stay inside. This chart shows the maximum AQI measured by region throughout the fire season of 2018. The red line represents California, the blue line shows the Pacific Northwest (Oregon and Washington), and the black line shows the rest of the United States. Chart courtesy of Puraka Children & Adult Pollution Masks. 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In Boston, the Zip Code with the highest percentage of homes owned free and clear is across the Charles in Cambridge (02142), where 54% of hoems are owned outright.  Unsurprisingly, downtown Zip Code 02110 is the lowest, with only 12% of owner-occupied homes paid off. The Zip Code with the highest equity overall is is 02155 due to the large number of owner-occupied homes, with a total of $4.9 Billion in home equity (about the same as the China-Africa Development Fund). Boston's  housing affordability ratio is high for low-income workers, but not as high as other coastal hubs.  Generally, Boston is considered renter-friendly when weighing the costs of owning a home vs. renting and saving. The Walletwyse Home Equity Index estimates positive equity in owner-occupied homes for U.S. states, cities and Zip Codes.  This includes median home values and mortgage balances, the percentage of homes owned free and clear, and aggregated total equity. The release schedule for our city maps is published here, along with the methodology for the index. While you're here, calculate the cost of home ownership in your area with our progressive Home Purchase Calculator.  Choose from Basic, Advanced or \"Wyse\" modes to understanding everything from the fundamentals to complex concepts like the opportunity cost of buying a home.  Our goal is the thoughtful curation of financial information to help you make informed, bias-free decisions, so Walletwyse is unaffiliated with lenders and brokerages. 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In this area, the three Zip Codes of 94010 (Burlingame / San Mateo), 95014 (Cupertino) and 95070 (Saratoga) have the highest aggregate home equity, at approximately $22-23 billion each.  Generally the SV area has a low rate of paid-off mortgages, in the bottom 20% nationwide.  Zip Code 94027 (Atherton) has far and away the highest median home value, at $7.5 million using data for the last 6 months of 2018. For earners on the lowest end of the income scale, Silicon Valley is unaffordable despite a minimum wage approximately twice the Federal requirement, according to our housing affordability ratio.  All major Real Estate research firms agree that renting in Silicon Valley and investing the difference yields a better long-term return on investment than buying in 2019. The Walletwyse Home Equity Index estimates positive equity in owner-occupied homes for U.S. states, cities and Zip Codes.  This includes median home values and mortgage balances, the percentage of homes owned free and clear, and aggregated total equity. The release schedule for our city maps is published here, along with the methodology for the index. While you're visiting, calculate the cost of home ownership in your area with our progressive Home Purchase Calculator.  Choose from Basic, Advanced or \"Wyse\" modes to understand everything from the fundamentals to complex concepts like the opportunity cost of buying a home.  Our goal at Walletwyse is the thoughtful curation of financial information to help you make informed, bias-free decisions, so we are unaffiliated with lenders and brokerages. 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The Marina area of SF (Zip Code 94123) has the highest median and aggregate home equity amount, at $6.8 billion total (coincidentally, the same amount spent on the Bay Bridge's Eastern Span Replacement project).  The neighborhoods of Hunter's Point and the Tenderloin have the lowest amounts of median equity, on a per-home basis, although this value is still north of $500,000 in both cases. The Chinatown neighborhood has the highest percentage of homes owned outright, at almost 50%. In aggregate, equity in SF homes is about equal to Jeff and McKenzie's net worth as of January 2019 ($137 billion). Despite a minimum wage of $15/hour, San Francisco is extremely unaffordable for earners on the lower end of the income spectrum according to our housing affordability ratio.  For those with the option of deciding between renting and buying, experts unanimously agree that renting in San Francisco and investing the difference is more financially savvy than buying in 2019. The Walletwyse Home Equity Index estimates positive equity in owner-occupied homes for U.S. states, cities and Zip Codes.  This includes median home values and mortgage balances, the percentage of homes owned free and clear, and aggregated total equity. The release schedule for our city maps is published here, along with the methodology for the index. While you're visiting, calculate the cost of home ownership in your area with our progressive Home Purchase Calculator.  Choose from Basic, Advanced or \"Wyse\" modes to understand everything from the fundamentals to complex concepts like the opportunity cost of buying a home.  Our goal at Walletwyse is the thoughtful curation of financial information to help you make informed, bias-free decisions, so we are unaffiliated with lenders and brokerages. 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Manhattan Zip Code 10024 has the highest aggregate home equity, at a whopping $42+ billion, making it the Zip Code with the most owner-occupied equity in the United States. On the other hand, the Zip Code with the highest percent of homes owned outright is 10037. In that Central Harlem Zip Code, 71% of homes are held free and clear, putting it in the top 2% of Zip Codes nationally on that measure. Overall, 39% of New York City homes are owned outright, very close to the national median. Despite a minimum wage of $15/hour, New York is somewhat unaffordable for earners on the lower end of the income spectrum according to our housing affordability ratio (although still far better than several other coastal hubs).  Experts generally indicate that renting in New York and investing the difference is more financially savvy than buying in 2019, although opinions vary. The Walletwyse Home Equity Index estimates positive equity in owner-occupied homes for U.S. states, cities and Zip Codes.  This includes median home values and mortgage balances, the percentage of homes owned free and clear, and aggregated total equity. The release schedule for our city maps is published here, along with the methodology for the index. While you're visiting, calculate the cost of home ownership in your area with our progressive Home Purchase Calculator.  Choose from Basic, Advanced or \"Wyse\" modes to understand everything from the fundamentals to complex concepts like the opportunity cost of buying a home.  Our goal at Walletwyse is the thoughtful curation of financial information to help you make informed, bias-free decisions, so we are unaffiliated with lenders and brokerages. "},"thumbnail":{"url":"https://walletwyse.cdn.prismic.io/walletwyse/64fa011ed5d13f9c7095d2a388eb5e7164932be7_nyc.png","dimensions":{"width":1575,"height":701},"localFile":{"childImageSharp":{"fluid":{"base64":"data:image/png;base64,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","aspectRatio":3.32,"src":"/static/8b63020be061073304c38c439beadd3e/a102d/4319d924d23c27b167b6f4b2a0f28d55.png","srcSet":"/static/8b63020be061073304c38c439beadd3e/326e4/4319d924d23c27b167b6f4b2a0f28d55.png 166w,\n/static/8b63020be061073304c38c439beadd3e/9f149/4319d924d23c27b167b6f4b2a0f28d55.png 332w,\n/static/8b63020be061073304c38c439beadd3e/a102d/4319d924d23c27b167b6f4b2a0f28d55.png 663w,\n/static/8b63020be061073304c38c439beadd3e/4fa7f/4319d924d23c27b167b6f4b2a0f28d55.png 995w,\n/static/8b63020be061073304c38c439beadd3e/aae86/4319d924d23c27b167b6f4b2a0f28d55.png 1326w,\n/static/8b63020be061073304c38c439beadd3e/1c22f/4319d924d23c27b167b6f4b2a0f28d55.png 1575w","srcWebp":"/static/8b63020be061073304c38c439beadd3e/05827/4319d924d23c27b167b6f4b2a0f28d55.webp","srcSetWebp":"/static/8b63020be061073304c38c439beadd3e/7cd2a/4319d924d23c27b167b6f4b2a0f28d55.webp 166w,\n/static/8b63020be061073304c38c439beadd3e/7d0bf/4319d924d23c27b167b6f4b2a0f28d55.webp 332w,\n/static/8b63020be061073304c38c439beadd3e/05827/4319d924d23c27b167b6f4b2a0f28d55.webp 663w,\n/static/8b63020be061073304c38c439beadd3e/ae182/4319d924d23c27b167b6f4b2a0f28d55.webp 995w,\n/static/8b63020be061073304c38c439beadd3e/0f272/4319d924d23c27b167b6f4b2a0f28d55.webp 1326w,\n/static/8b63020be061073304c38c439beadd3e/ee561/4319d924d23c27b167b6f4b2a0f28d55.webp 1575w","sizes":"(max-width: 663px) 100vw, 663px"}}}}}}},{"node":{"last_publication_date":"2019-01-28T06:43:06+0000","uid":"home-equity-kansascity","data":{"title":{"text":"Kansas City - Home Equity Index"},"description":{"text":" This interactive chart visualizes ownership and home equity data for Kansas City (both MO and KS).   Kansas City Zip Code 64125 has the highest percentage of homes owned free and clear, with an astonishing 73% of homes owned outright (within the top 2%, nationally).  The Zip Code with the highest median equity is 64113. Homeowners with mortgages in this Zip Code are estimated to have about $128k in home equity, among the top 20% of all Zip Codes nationally. Overall, 34% of Kansas City residents own their homes free and clear, slightly below the national average. With a minimum wage of $8.60/hour, Kansas City is relatively affordable for earners on the lower end of the income spectrum according to our housing affordability ratio.  Experts have a range of opinions about whether it's better to a renter or a buyer in Kansas City, but like most midwest cities, housing prices seem relatively stable.  The Walletwyse Home Equity Index estimates positive equity in owner-occupied homes for U.S. states, cities and Zip Codes.  This includes median home values and mortgage balances, the percentage of homes owned free and clear, and aggregated total equity. The release schedule for our city maps is published here, along with the methodology for the index. While you're visiting, calculate the cost of home ownership in your area with our progressive Home Purchase Calculator.  Choose from Basic, Advanced or \"Wyse\" modes to understanding everything from the fundamentals to complex concepts like the opportunity cost of buying a home.  Our goal at Walletwyse is the thoughtful curation of financial information to help you make informed, bias-free decisions, so we are unaffiliated with lenders and brokerages. "},"thumbnail":{"url":"https://walletwyse.cdn.prismic.io/walletwyse/beee023252b5f106736bb4e0a99f269956cdf70a_kansascity.jpg","dimensions":{"width":951,"height":492},"localFile":{"childImageSharp":{"fluid":{"base64":"data:image/jpeg;base64,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","aspectRatio":3.32,"src":"/static/bbd3c18c75cb04705deebf81ca7e2a73/e6ae9/25b71f874300d257f868e54669741fa0.jpg","srcSet":"/static/bbd3c18c75cb04705deebf81ca7e2a73/80f39/25b71f874300d257f868e54669741fa0.jpg 166w,\n/static/bbd3c18c75cb04705deebf81ca7e2a73/02e61/25b71f874300d257f868e54669741fa0.jpg 332w,\n/static/bbd3c18c75cb04705deebf81ca7e2a73/e6ae9/25b71f874300d257f868e54669741fa0.jpg 663w,\n/static/bbd3c18c75cb04705deebf81ca7e2a73/21a1b/25b71f874300d257f868e54669741fa0.jpg 951w","srcWebp":"/static/bbd3c18c75cb04705deebf81ca7e2a73/a1ce3/25b71f874300d257f868e54669741fa0.webp","srcSetWebp":"/static/bbd3c18c75cb04705deebf81ca7e2a73/92185/25b71f874300d257f868e54669741fa0.webp 166w,\n/static/bbd3c18c75cb04705deebf81ca7e2a73/a2201/25b71f874300d257f868e54669741fa0.webp 332w,\n/static/bbd3c18c75cb04705deebf81ca7e2a73/a1ce3/25b71f874300d257f868e54669741fa0.webp 663w,\n/static/bbd3c18c75cb04705deebf81ca7e2a73/b691d/25b71f874300d257f868e54669741fa0.webp 951w","sizes":"(max-width: 663px) 100vw, 663px"}}}}}}},{"node":{"last_publication_date":"2019-01-28T06:21:10+0000","uid":"home-equity-stlouis","data":{"title":{"text":"St. Louis - Home Equity Index"},"description":{"text":" This interactive chart visualizes ownership and home equity data for St. Louis, MO.  The Zip Code with the highest percentage of homes owned outright is 63107, where 64% of homes are held free and clear (within the top 5%, nationally).  Homeowners with mortgages in Ladue (Zip Code 63124) have the most equity in their homes: approximately $602,000, also within the top 5% for Zip Codes nationwide.  Overall, Home Equity Value for all owner occupied homes in St. Louis, mortgaged and owned outright, is estimated at just north of $23 billion dollars, or about the cost of the England / France Channel Tunnel, better known as the Chunnel. St. Louis is a relatively affordable city for low-income earners, with a good housing affordability ratio for workers making the minimum wage of $8.60/hour  Rental Indices identify St. Louis as a relatively stable city for residential property values, and buying is consisdered a slightly better investment than renting in 2019. The Walletwyse Home Equity Index estimates positive equity in owner-occupied homes for U.S. states, cities and Zip Codes.  This includes median home values and mortgage balances, the percentage of homes owned free and clear, and aggregated total equity. The release schedule for our city maps is published here, along with the methodology for the index. While you're visiting, calculate the cost of home ownership in your area with our progressive Home Purchase Calculator.  Choose from Basic, Advanced or \"Wyse\" modes to understanding everything from the fundamentals to complex concepts like the opportunity cost of buying a home.  Our goal at Walletwyse is the thoughtful curation of financial information to help you make informed, bias-free decisions, so we are unaffiliated with lenders and brokerages. "},"thumbnail":{"url":"https://walletwyse.cdn.prismic.io/walletwyse/16c722c3717abfe3e958ff0fff216fabe39938e9_st-louis.jpg","dimensions":{"width":1294,"height":694},"localFile":{"childImageSharp":{"fluid":{"base64":"data:image/jpeg;base64,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","aspectRatio":3.32,"src":"/static/112464cf28f5cd676524469c3ef8bac2/e6ae9/db8a9f4f7c97577f39296fbf55cd4208.jpg","srcSet":"/static/112464cf28f5cd676524469c3ef8bac2/80f39/db8a9f4f7c97577f39296fbf55cd4208.jpg 166w,\n/static/112464cf28f5cd676524469c3ef8bac2/02e61/db8a9f4f7c97577f39296fbf55cd4208.jpg 332w,\n/static/112464cf28f5cd676524469c3ef8bac2/e6ae9/db8a9f4f7c97577f39296fbf55cd4208.jpg 663w,\n/static/112464cf28f5cd676524469c3ef8bac2/86154/db8a9f4f7c97577f39296fbf55cd4208.jpg 995w,\n/static/112464cf28f5cd676524469c3ef8bac2/8d832/db8a9f4f7c97577f39296fbf55cd4208.jpg 1294w","srcWebp":"/static/112464cf28f5cd676524469c3ef8bac2/a1ce3/db8a9f4f7c97577f39296fbf55cd4208.webp","srcSetWebp":"/static/112464cf28f5cd676524469c3ef8bac2/92185/db8a9f4f7c97577f39296fbf55cd4208.webp 166w,\n/static/112464cf28f5cd676524469c3ef8bac2/a2201/db8a9f4f7c97577f39296fbf55cd4208.webp 332w,\n/static/112464cf28f5cd676524469c3ef8bac2/a1ce3/db8a9f4f7c97577f39296fbf55cd4208.webp 663w,\n/static/112464cf28f5cd676524469c3ef8bac2/a0d7a/db8a9f4f7c97577f39296fbf55cd4208.webp 995w,\n/static/112464cf28f5cd676524469c3ef8bac2/71c3c/db8a9f4f7c97577f39296fbf55cd4208.webp 1294w","sizes":"(max-width: 663px) 100vw, 663px"}}}}}}},{"node":{"last_publication_date":"2019-01-28T06:09:13+0000","uid":"home-equity-houston","data":{"title":{"text":"Houston - Home Equity Index"},"description":{"text":" This interactive chart visualizes ownership and home equity data for Houston, Texas.  Houston Zip Code 77026 has the highest percentage of homes owned free and clear, with an incredible 74% of homes owned outright (within the top 2%, nationally).  The Zip Code with the highest equity overall is 77005, (West University Place), with a median home equity of $787k for homes subject to a mortgage. This puts West University Place's Zip Code among the top 1% nationally. Overall, 42% of Houstonions own their homes free and clear, slightly above the national average. Houston is a relatively expensive city for earners on the lower end of the income spectrum, with an unfavorable housing affordability ratio for minimum-wage workers.  Experts have a range of opinions about whether Houston is in a housing bubble, but in 2019 renting is generally considered a better investment than buying.  The Walletwyse Home Equity Index estimates positive equity in owner-occupied homes for U.S. states, cities and Zip Codes.  This includes median home values and mortgage balances, the percentage of homes owned free and clear, and aggregated total equity. The release schedule for our city maps is published here, along with the methodology for the index. While you're visiting, calculate the cost of home ownership in your area with our progressive Home Purchase Calculator.  Choose from Basic, Advanced or \"Wyse\" modes to understanding everything from the fundamentals to complex concepts like the opportunity cost of buying a home.  Our goal at Walletwyse is the thoughtful curation of financial information to help you make informed, bias-free decisions, so we are unaffiliated with lenders and brokerages. 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Tucson is a relatively affordable city for earners across the income spectrum, with a minimum wage of $11 / hour and a good housing affordability ratio for low-income workers.  Tucson is generally considered well-balanced when comparing home prices to rental prices, which indicates a lower likelihood of a housing bubble based on current market conditions, as well as rental prices that aren't disproportionately high compared to buying. The Zip Code with the highest percentage of homes owned free and clear? 85705 (Flowing Wells), with a whopping 52% of homes owned outright.  85747 (Rita Ranch) is the lowest, with only 19% of homes not subject to a mortgage. The Zip Code with the highest equity overall is 85718 (Catalina Foothills), with a total of $4.7 Billion in home equity (about the same as the Trust Fund for the State of Alabama). The Walletwyse Home Equity Index estimates positive equity in owner-occupied homes for U.S. states, cities and Zip Codes.  This includes median home values and mortgage balances, the percentage of homes owned free and clear, and aggregated total equity. The release schedule for our city maps is published here, along with the methodology for the index. While you're here, calculate the cost of home ownership in your area with our progressive Home Purchase Calculator.  Choose from Basic, Advanced or \"Wyse\" modes to understanding everything from the fundamentals to complex concepts like the opportunity cost of buying a home.  Our goal is the thoughtful curation of financial information to help you make informed, bias-free decisions, so Walletwyse is unaffiliated with lenders and brokerages. 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The index demonstrates the extent to which home valuations exceed outstanding mortgage balances. This interactive chart visualizes data for the Cincinnati, Ohio area. The Zip Code with the most equity? 45243 (Indian Hill), with an estimated $1.6 Billion in aggregated home equity. 45225 (Westwood) is lowest. Despite a high rate of free-and-clear ownership (45%), the median loan for mortgaged homes ($42,000) is just barely lower than the median home value ($47,000), taking the total equity to about $15 Million. You can access the the release schedule for our city maps here, as well as the methodology for our Home Equity Index.   While you're visiting our site, calculate the cost of home ownership in your area with our progressive Home Purchase Calculator.  Choose from Basic, Advanced or \"Wyse\" modes to understanding everything from the fundamentals to complex concepts like the opportunity cost of buying a home.  Our goal is the thoughtful curation of financial information to help you make informed, bias-free decisions, so Walletwyse is unaffiliated with lenders and brokerages. "},"thumbnail":{"url":"https://walletwyse.cdn.prismic.io/walletwyse/bcc5ac1c32f14bc95bc4e5a3149be6aaf8e9cc7b_cincnnati-equity.jpg","dimensions":{"width":1237,"height":757},"localFile":{"childImageSharp":{"fluid":{"base64":"data:image/jpeg;base64,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","aspectRatio":3.32,"src":"/static/ab256d500ba4fc636908f287c4f981af/e6ae9/66b7ab5b0630dad9d9ad679518691534.jpg","srcSet":"/static/ab256d500ba4fc636908f287c4f981af/80f39/66b7ab5b0630dad9d9ad679518691534.jpg 166w,\n/static/ab256d500ba4fc636908f287c4f981af/02e61/66b7ab5b0630dad9d9ad679518691534.jpg 332w,\n/static/ab256d500ba4fc636908f287c4f981af/e6ae9/66b7ab5b0630dad9d9ad679518691534.jpg 663w,\n/static/ab256d500ba4fc636908f287c4f981af/86154/66b7ab5b0630dad9d9ad679518691534.jpg 995w,\n/static/ab256d500ba4fc636908f287c4f981af/08e3f/66b7ab5b0630dad9d9ad679518691534.jpg 1237w","srcWebp":"/static/ab256d500ba4fc636908f287c4f981af/a1ce3/66b7ab5b0630dad9d9ad679518691534.webp","srcSetWebp":"/static/ab256d500ba4fc636908f287c4f981af/92185/66b7ab5b0630dad9d9ad679518691534.webp 166w,\n/static/ab256d500ba4fc636908f287c4f981af/a2201/66b7ab5b0630dad9d9ad679518691534.webp 332w,\n/static/ab256d500ba4fc636908f287c4f981af/a1ce3/66b7ab5b0630dad9d9ad679518691534.webp 663w,\n/static/ab256d500ba4fc636908f287c4f981af/a0d7a/66b7ab5b0630dad9d9ad679518691534.webp 995w,\n/static/ab256d500ba4fc636908f287c4f981af/aca47/66b7ab5b0630dad9d9ad679518691534.webp 1237w","sizes":"(max-width: 663px) 100vw, 663px"}}}}}}},{"node":{"last_publication_date":"2019-01-24T05:47:43+0000","uid":"home-equity-chicago","data":{"title":{"text":"Chicago - Home Equity Index"},"description":{"text":"The Walletwyse Home Equity Index estimates positive equity in owner-occupied homes for U.S. states, cities and Zip Codes.  The index demonstrates the extent to which home valuations exceed outstanding mortgage balances. This interactive chart visualizes data for Chicago.  The Chicago Zip Code with the most equity? 60614 (Lincoln Park) has around $4 Billion in aggregated home equity value. The least is tiny 60604 (Loop), at approximately $55 Million. You can access the the release schedule for our city maps here, as well as the methodology for our Home Equity Index.   While you're visiting our site, calculate the cost of home ownership in your area with our progressive Home Purchase Calculator.  Choose from Basic, Advanced or \"Wyse\" modes to understanding everything from the fundamentals to complex concepts like the opportunity cost of buying a home.  Our goal is the thoughtful curation of financial information to help you make informed, bias-free decisions, so Walletwyse is unaffiliated with lenders and brokerages. 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Attribution to Numbeo.com for the index scores and Rentjungle for spot-checking rent values."},"thumbnail":{"url":"https://walletwyse.cdn.prismic.io/walletwyse/a7c9e0f5ef0096856b46d53548e93a040716c646_apartments.jpg","dimensions":{"width":1280,"height":834},"localFile":{"childImageSharp":{"fluid":{"base64":"data:image/jpeg;base64,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","aspectRatio":3.32,"src":"/static/348789e5aa2c64e09a46cb7e293dca10/e6ae9/c9efa60df3f49db5b79d02da3ba153c1.jpg","srcSet":"/static/348789e5aa2c64e09a46cb7e293dca10/80f39/c9efa60df3f49db5b79d02da3ba153c1.jpg 166w,\n/static/348789e5aa2c64e09a46cb7e293dca10/02e61/c9efa60df3f49db5b79d02da3ba153c1.jpg 332w,\n/static/348789e5aa2c64e09a46cb7e293dca10/e6ae9/c9efa60df3f49db5b79d02da3ba153c1.jpg 663w,\n/static/348789e5aa2c64e09a46cb7e293dca10/86154/c9efa60df3f49db5b79d02da3ba153c1.jpg 995w,\n/static/348789e5aa2c64e09a46cb7e293dca10/3d789/c9efa60df3f49db5b79d02da3ba153c1.jpg 1280w","srcWebp":"/static/348789e5aa2c64e09a46cb7e293dca10/a1ce3/c9efa60df3f49db5b79d02da3ba153c1.webp","srcSetWebp":"/static/348789e5aa2c64e09a46cb7e293dca10/92185/c9efa60df3f49db5b79d02da3ba153c1.webp 166w,\n/static/348789e5aa2c64e09a46cb7e293dca10/a2201/c9efa60df3f49db5b79d02da3ba153c1.webp 332w,\n/static/348789e5aa2c64e09a46cb7e293dca10/a1ce3/c9efa60df3f49db5b79d02da3ba153c1.webp 663w,\n/static/348789e5aa2c64e09a46cb7e293dca10/a0d7a/c9efa60df3f49db5b79d02da3ba153c1.webp 995w,\n/static/348789e5aa2c64e09a46cb7e293dca10/6b147/c9efa60df3f49db5b79d02da3ba153c1.webp 1280w","sizes":"(max-width: 663px) 100vw, 663px"}}}}}}},{"node":{"last_publication_date":"2019-01-17T23:54:16+0000","uid":"equity-index-seattle","data":{"title":{"text":"Seattle, WA - Home Equity Index"},"description":{"text":"The Walletwyse Home Equity Index estimates positive equity in owner-occupied homes for U.S. states, cities and Zip Codes.  The index demonstrates the extent to which home valuations exceed outstanding mortgage balances (and occassionally, the opposite). This interactive chart uses data from the Seattle, Washington area. You can access the the release schedule for our city maps here, as well as the methodology for our Home Equity Index.  As a company, we believe transparency is our most valuable asset, so publishing our methodology for any new index is a self-imposed requirement. While you're visiting our site, calculate the cost of home ownership in your area with our progressive Home Purchase Calculator.  Choose from Basic, Advanced or \"Wyse\" modes to understanding everything from the fundamentals to complex concepts like the opportunity cost of buying a home. Remember, Walletwyse is unaffiliated with lenders and brokerages. Our goal is the thoughtful curation of financial information to help you make informed, bias-free decisions."},"thumbnail":{"url":"https://walletwyse.cdn.prismic.io/walletwyse/6d8c6e2b999b6d2f3ccd05a024f6f92c3a6c39db_seattle-thumb.jpg","dimensions":{"width":1252,"height":694},"localFile":{"childImageSharp":{"fluid":{"base64":"data:image/jpeg;base64,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","aspectRatio":3.32,"src":"/static/ddc13005c0d5066866423edd6c1285d8/e6ae9/d7b88670740ce9f6c1f728c811f1ba54.jpg","srcSet":"/static/ddc13005c0d5066866423edd6c1285d8/80f39/d7b88670740ce9f6c1f728c811f1ba54.jpg 166w,\n/static/ddc13005c0d5066866423edd6c1285d8/02e61/d7b88670740ce9f6c1f728c811f1ba54.jpg 332w,\n/static/ddc13005c0d5066866423edd6c1285d8/e6ae9/d7b88670740ce9f6c1f728c811f1ba54.jpg 663w,\n/static/ddc13005c0d5066866423edd6c1285d8/86154/d7b88670740ce9f6c1f728c811f1ba54.jpg 995w,\n/static/ddc13005c0d5066866423edd6c1285d8/0299e/d7b88670740ce9f6c1f728c811f1ba54.jpg 1252w","srcWebp":"/static/ddc13005c0d5066866423edd6c1285d8/a1ce3/d7b88670740ce9f6c1f728c811f1ba54.webp","srcSetWebp":"/static/ddc13005c0d5066866423edd6c1285d8/92185/d7b88670740ce9f6c1f728c811f1ba54.webp 166w,\n/static/ddc13005c0d5066866423edd6c1285d8/a2201/d7b88670740ce9f6c1f728c811f1ba54.webp 332w,\n/static/ddc13005c0d5066866423edd6c1285d8/a1ce3/d7b88670740ce9f6c1f728c811f1ba54.webp 663w,\n/static/ddc13005c0d5066866423edd6c1285d8/a0d7a/d7b88670740ce9f6c1f728c811f1ba54.webp 995w,\n/static/ddc13005c0d5066866423edd6c1285d8/d8956/d7b88670740ce9f6c1f728c811f1ba54.webp 1252w","sizes":"(max-width: 663px) 100vw, 663px"}}}}}}},{"node":{"last_publication_date":"2019-01-08T18:34:18+0000","uid":"global-etf-index","data":{"title":{"text":"Walletwyse Global ETF Index"},"description":{"text":"One of the advantages of living in a global economy is access to a wide variety of financial markets. With this chart, you can compare performance across a number of global economies using Exchange Traded Fund (ETF) data over a number of time periods. While we encourage people to think expansively about their long-term investments, we also want to caution that country-specific ETFs should not be romanticized just because they are \"foreign\". While individual countries can certainly buck international market trends (for better or worse), more often than not the international markets follow each other in much the same way that the economy of New Jersey follows New York, although perhaps not to the same extent. Methodology This chart pulls same-day quotes for major ETFs indexed to specific foreign markets. For larger financial markets like China, Japan and Germany, our index returns the average of the 2-3 largest dedicated ETFs. To calculate total return over time, any dividends are added to the gain/loss at the end of the period. We've made an effort to include data for all countries with a reliable, dedicated ETF available on the U.S. market. While we've integrated error-handling into our calculations, the chart uses APIs to return updated data, so may occassionally return a null response due to lag time or data transmission error."},"thumbnail":{"url":"https://walletwyse.cdn.prismic.io/walletwyse/80e69ab4e18ea77405f623bca33533528379c7dd_stock-index.jpg","dimensions":{"width":1395,"height":508},"localFile":{"childImageSharp":{"fluid":{"base64":"data:image/jpeg;base64,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","aspectRatio":3.32,"src":"/static/3f624b4d87399a42e7cb8b409f590fd0/e6ae9/521637b9c6d18d6e4c92ca248dd5a641.jpg","srcSet":"/static/3f624b4d87399a42e7cb8b409f590fd0/80f39/521637b9c6d18d6e4c92ca248dd5a641.jpg 166w,\n/static/3f624b4d87399a42e7cb8b409f590fd0/02e61/521637b9c6d18d6e4c92ca248dd5a641.jpg 332w,\n/static/3f624b4d87399a42e7cb8b409f590fd0/e6ae9/521637b9c6d18d6e4c92ca248dd5a641.jpg 663w,\n/static/3f624b4d87399a42e7cb8b409f590fd0/86154/521637b9c6d18d6e4c92ca248dd5a641.jpg 995w,\n/static/3f624b4d87399a42e7cb8b409f590fd0/948d1/521637b9c6d18d6e4c92ca248dd5a641.jpg 1326w,\n/static/3f624b4d87399a42e7cb8b409f590fd0/57782/521637b9c6d18d6e4c92ca248dd5a641.jpg 1395w","srcWebp":"/static/3f624b4d87399a42e7cb8b409f590fd0/a1ce3/521637b9c6d18d6e4c92ca248dd5a641.webp","srcSetWebp":"/static/3f624b4d87399a42e7cb8b409f590fd0/92185/521637b9c6d18d6e4c92ca248dd5a641.webp 166w,\n/static/3f624b4d87399a42e7cb8b409f590fd0/a2201/521637b9c6d18d6e4c92ca248dd5a641.webp 332w,\n/static/3f624b4d87399a42e7cb8b409f590fd0/a1ce3/521637b9c6d18d6e4c92ca248dd5a641.webp 663w,\n/static/3f624b4d87399a42e7cb8b409f590fd0/a0d7a/521637b9c6d18d6e4c92ca248dd5a641.webp 995w,\n/static/3f624b4d87399a42e7cb8b409f590fd0/672f9/521637b9c6d18d6e4c92ca248dd5a641.webp 1326w,\n/static/3f624b4d87399a42e7cb8b409f590fd0/b3f89/521637b9c6d18d6e4c92ca248dd5a641.webp 1395w","sizes":"(max-width: 663px) 100vw, 663px"}}}}}}},{"node":{"last_publication_date":"2019-01-03T18:08:42+0000","uid":"popular_companies_2018","data":{"title":{"text":"The Places Where Millennials Want to Work"},"description":{"text":"With a few notable exceptions, people are generally more interested in telling you where they are heading (city, a state or even coast), than the company they are going to work for. It's true that company often correlates with location, but as banks, tech firms & diversifieds continuing to, erm, diversify, their office locations, that's not always the case.  So we've taken a non-geographical approach with this chart, and focused exclusively on which companies were identified by 14,000 of the top-performing high-school and college-aged millennials in the United States as places where they might want to work.  The data was sourced from the 2017 and 2018 Career Interest Surveys published by the NSHSS.  The data paints an anxiety-inducing picture for today's corporate titans. Of the S&P top 50 corporations, only three companies (Amazon, 3M and IBM) were more desirable in 2018 than they were in 2017.  The remainder were either static, had slipped in the rankings, or had been too small to count under the 2017 methodology. Most importantly (if I were head of HR for a large American company), fourteen S&P 50 companies did not receive even a single vote out of the total 43,000 cast (14.3k students x 3 votes). On the other hand, numerous workplaces that are not publicly listed companies (like the number one spot, St. Jude Children's Research Hospital) are extremely attractive in the minds of the upcoming workforce. Our take from this is that- with the exception of a few famous brands - kids today are thinking about jobs the same way they are thinking about a lot of things: with a preference for a unique and fulfilling experience over the safe and staid.  "},"thumbnail":{"url":"https://walletwyse.cdn.prismic.io/walletwyse/cf8016e289a18a4f603ff30275013b3cfb041152_2018-07-11_10-01-13.png","dimensions":{"width":1924,"height":1063},"localFile":{"childImageSharp":{"fluid":{"base64":"data:image/png;base64,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","aspectRatio":3.32,"src":"/static/1e44ea1774791c3cf11220ea53bd57cf/a102d/5901df119bbfe8c9ada373c6258d2b8a.png","srcSet":"/static/1e44ea1774791c3cf11220ea53bd57cf/326e4/5901df119bbfe8c9ada373c6258d2b8a.png 166w,\n/static/1e44ea1774791c3cf11220ea53bd57cf/9f149/5901df119bbfe8c9ada373c6258d2b8a.png 332w,\n/static/1e44ea1774791c3cf11220ea53bd57cf/a102d/5901df119bbfe8c9ada373c6258d2b8a.png 663w,\n/static/1e44ea1774791c3cf11220ea53bd57cf/4fa7f/5901df119bbfe8c9ada373c6258d2b8a.png 995w,\n/static/1e44ea1774791c3cf11220ea53bd57cf/aae86/5901df119bbfe8c9ada373c6258d2b8a.png 1326w,\n/static/1e44ea1774791c3cf11220ea53bd57cf/fe767/5901df119bbfe8c9ada373c6258d2b8a.png 1924w","srcWebp":"/static/1e44ea1774791c3cf11220ea53bd57cf/05827/5901df119bbfe8c9ada373c6258d2b8a.webp","srcSetWebp":"/static/1e44ea1774791c3cf11220ea53bd57cf/7cd2a/5901df119bbfe8c9ada373c6258d2b8a.webp 166w,\n/static/1e44ea1774791c3cf11220ea53bd57cf/7d0bf/5901df119bbfe8c9ada373c6258d2b8a.webp 332w,\n/static/1e44ea1774791c3cf11220ea53bd57cf/05827/5901df119bbfe8c9ada373c6258d2b8a.webp 663w,\n/static/1e44ea1774791c3cf11220ea53bd57cf/ae182/5901df119bbfe8c9ada373c6258d2b8a.webp 995w,\n/static/1e44ea1774791c3cf11220ea53bd57cf/0f272/5901df119bbfe8c9ada373c6258d2b8a.webp 1326w,\n/static/1e44ea1774791c3cf11220ea53bd57cf/2328e/5901df119bbfe8c9ada373c6258d2b8a.webp 1924w","sizes":"(max-width: 663px) 100vw, 663px"}}}}}}},{"node":{"last_publication_date":"2019-01-03T06:49:59+0000","uid":"min_wage_affordability_jan2019","data":{"title":{"text":"Minimum Wage / Home Affordability by Metro Area (Jan 1, 2019)"},"description":{"text":"On January 1, 2019, minimum wage increased in a record number of U.S. cities and states. However, a higher minimum wage doesn't always correlate with affordability. This chart allows you to compare the most recent minimum wage of major U.S. metro areas, with the relative affordability of median-priced housing for the same wage earner, based on the debt-to-income ratio for 2,000 hours at minimum wage. Values in blue are generally considered \"better\" (higher minimum wage, or lower debt-to-income ratio, depending on the filter).   While home prices are not a perfect proxy for cost of living, it's noteworthy that many of the cities with a low minimum wage actually rank better than the cities with higher minimum wages when housing affordability is factored in. (To avoid overweighting some expensive markets, we've capped the ratio of home prices to annual income at 25). The one outlier we wanted to call out is Birmingham, Alabama. The city's minimum wage laws were overturned by the state legislature, but since the city is making progress in its lawsuit against the state, we decided to show Birmingham's minimum wage at intended rate ($10.10). Median home price data provided by Zillow. We're using median housing prices from December, 2018. The data used for this chart should represent the complete list of metro areas where the minimum wage is higher than the federal requirement of $7.25/hour."},"thumbnail":{"url":"https://walletwyse.cdn.prismic.io/walletwyse/b1fb4f73840e4004c5b5254bb8abe99bc4bb5c05_min-wage-chart.jpg","dimensions":{"width":1540,"height":691},"localFile":{"childImageSharp":{"fluid":{"base64":"data:image/jpeg;base64,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","aspectRatio":3.32,"src":"/static/64ff07f951621c086e973ccc5a381aac/e6ae9/a95b8c377c4642f8ccc61a71fbca3d83.jpg","srcSet":"/static/64ff07f951621c086e973ccc5a381aac/80f39/a95b8c377c4642f8ccc61a71fbca3d83.jpg 166w,\n/static/64ff07f951621c086e973ccc5a381aac/02e61/a95b8c377c4642f8ccc61a71fbca3d83.jpg 332w,\n/static/64ff07f951621c086e973ccc5a381aac/e6ae9/a95b8c377c4642f8ccc61a71fbca3d83.jpg 663w,\n/static/64ff07f951621c086e973ccc5a381aac/86154/a95b8c377c4642f8ccc61a71fbca3d83.jpg 995w,\n/static/64ff07f951621c086e973ccc5a381aac/948d1/a95b8c377c4642f8ccc61a71fbca3d83.jpg 1326w,\n/static/64ff07f951621c086e973ccc5a381aac/1ca04/a95b8c377c4642f8ccc61a71fbca3d83.jpg 1540w","srcWebp":"/static/64ff07f951621c086e973ccc5a381aac/a1ce3/a95b8c377c4642f8ccc61a71fbca3d83.webp","srcSetWebp":"/static/64ff07f951621c086e973ccc5a381aac/92185/a95b8c377c4642f8ccc61a71fbca3d83.webp 166w,\n/static/64ff07f951621c086e973ccc5a381aac/a2201/a95b8c377c4642f8ccc61a71fbca3d83.webp 332w,\n/static/64ff07f951621c086e973ccc5a381aac/a1ce3/a95b8c377c4642f8ccc61a71fbca3d83.webp 663w,\n/static/64ff07f951621c086e973ccc5a381aac/a0d7a/a95b8c377c4642f8ccc61a71fbca3d83.webp 995w,\n/static/64ff07f951621c086e973ccc5a381aac/672f9/a95b8c377c4642f8ccc61a71fbca3d83.webp 1326w,\n/static/64ff07f951621c086e973ccc5a381aac/e3c03/a95b8c377c4642f8ccc61a71fbca3d83.webp 1540w","sizes":"(max-width: 663px) 100vw, 663px"}}}}}}},{"node":{"last_publication_date":"2018-12-31T06:11:53+0000","uid":"analytics_rent_v_buy_q42018","data":{"title":{"text":"Walletwyse 2019 Rent vs. Buy Index"},"description":{"text":"Overview Fundamentally, a rent vs. buy index for a particular market tells us whether to expect a higher rate of return on investment by buying and maintaining a home or by renting and investing the difference. Factors considered include typical home vs. rental prices, interest rates vs. the rate of return on investments, upfront & ongoing costs, as well as tax considerations (property, capital gains, and even the vanishing mortgage-interest deduction). Methodology Our goal in publishing this analysis is to assist with the financial part of the rent vs. buy decision by structuring a large amount of high-quality data into an easily-digestible visualization that compares relative buy vs. rent levels among U.S. cities. We evaluated & incorporated buy vs. rent data published by Smartasset.com; Numbeo; Beracha, Hardin & Johnson; Trulia; & Zillow. The calculations for a rent vs. buy index are relatively established, so it was no surprise that each of the five datasets we evaluated used a similar approach. First, they examined average rent and sale prices for the same types of property. Next, they determined the initial and ongoing costs for both renting and owning. After accounting for one-off costs, each firm then looked at net present value to determine the long-term investment value of owning a home vs. renting an apartment and investing the savings. Because our goal was to create an apples-to-apples comparison among datasets, our first step after gathering the different data was to find the standard deviation of each city's score using the mean value of that set. Next, we normalized the datasets to a consistent 1-10 scale (5 = the statistical U.S. mean). Scores to the right of the mean (greater than 5) indicate markets where owning is comparatively more expensive than renting. Scores to the left of the mean (less than 5) indicate markets where owning may be financially advantageous. When selecting cities, our criteria was that there be data available from at least two, but preferably three or more individual datasets. The length of the horizontal green bar illustrates the range, from min to max, of the datapoints used for that city. The yellow bar marks the statistical mean. As a rule of thumb, the shorter the bar, the greater the consensus on the rent vs. buy situation for that particular city, especially when there are a higher number of datapoints (given in the tooltip). Closing Thought The question not answered by a rent vs. buy index is more subjective: whether owning a home adds - or subtracts - a measure of personal satisfaction & security sufficient to tilt the balance in the other direction, financial considerations be damned."},"thumbnail":{"url":"https://walletwyse.cdn.prismic.io/walletwyse/5bd06f199e46e107f78a52203eeea7b5820f9ef3_rentvsavethumb.png","dimensions":{"width":1620,"height":511},"localFile":{"childImageSharp":{"fluid":{"base64":"data:image/png;base64,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","aspectRatio":3.32,"src":"/static/d5f037167922ea0d176fb6cf263dc10b/a102d/31df1a791a991fd01e1091e65f34217a.png","srcSet":"/static/d5f037167922ea0d176fb6cf263dc10b/326e4/31df1a791a991fd01e1091e65f34217a.png 166w,\n/static/d5f037167922ea0d176fb6cf263dc10b/9f149/31df1a791a991fd01e1091e65f34217a.png 332w,\n/static/d5f037167922ea0d176fb6cf263dc10b/a102d/31df1a791a991fd01e1091e65f34217a.png 663w,\n/static/d5f037167922ea0d176fb6cf263dc10b/4fa7f/31df1a791a991fd01e1091e65f34217a.png 995w,\n/static/d5f037167922ea0d176fb6cf263dc10b/aae86/31df1a791a991fd01e1091e65f34217a.png 1326w,\n/static/d5f037167922ea0d176fb6cf263dc10b/dfae9/31df1a791a991fd01e1091e65f34217a.png 1620w","srcWebp":"/static/d5f037167922ea0d176fb6cf263dc10b/05827/31df1a791a991fd01e1091e65f34217a.webp","srcSetWebp":"/static/d5f037167922ea0d176fb6cf263dc10b/7cd2a/31df1a791a991fd01e1091e65f34217a.webp 166w,\n/static/d5f037167922ea0d176fb6cf263dc10b/7d0bf/31df1a791a991fd01e1091e65f34217a.webp 332w,\n/static/d5f037167922ea0d176fb6cf263dc10b/05827/31df1a791a991fd01e1091e65f34217a.webp 663w,\n/static/d5f037167922ea0d176fb6cf263dc10b/ae182/31df1a791a991fd01e1091e65f34217a.webp 995w,\n/static/d5f037167922ea0d176fb6cf263dc10b/0f272/31df1a791a991fd01e1091e65f34217a.webp 1326w,\n/static/d5f037167922ea0d176fb6cf263dc10b/f90e5/31df1a791a991fd01e1091e65f34217a.webp 1620w","sizes":"(max-width: 663px) 100vw, 663px"}}}}}}}]}},"pageContext":{}}