What Is a Guaranteed Investment Certificate (GIC)? (2024)

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{promoMarkup}{notifMarkup}

{notificationCenterNavMsg}

',panelEmptyTemplate='

{emptyPanelMsg}

',panelErrorTemplate='

{errorMsg}

',panelParentTemplate='

',notifOnboardPromoTemplate='

{notifOnboardMsg}

',EXPANDED_PANEL="expanded_panel",ERROR_PANEL="error_panel",NotificationView=function(){function e(n,t){classCallCheck(this,e);var o=this;o._config=n,o._panelNode=null,o._store=t}return createClass(e,[{key:"_generatePanelMarkup",value:function(e,n){var t=this._config,o=void 0,i=void 0;"undefined"!=typeof window&&(o=window.Notification&&"default"===window.Notification.permission,i=t.promos.bypassEligibleClassCheck||hasClass(document.body,t.promos.eligibleBodyClass));var r=t.promos.enableNotifOnboard&&o&&i?notifOnboardPromoTemplate:"";if(r){var s=t.promos.showYahooLogo?"":"yns-no-logo";r=r.replace("{notifOnboardBtnLabel}",t.promos.notifOnboardBtnLabel).replace("{notifOnboardMsg}",t.promos.notifOnboardMsg).replace("{subscriptionTopic}",t.promos.subscriptionTopic).replace("{noLogoClass}",s).replace("{promoLogo}",t.promos.promoLogo)}var a=n.newCount>t.panel.maxCount?n.newCount:"",c=t.panel.notificationCenterPath,l=c?"":constants.panelHideElement,d=t.panel.headerMsg?"":" "+constants.panelHideElement,u=c?constants.panelPaddingBtm:"",p=void 0;n.count?p=n.markup:p=panelEmptyTemplate.replace("{emptyPanelMsg}",t.panel.emptyPanelMsg);return e=e.replace("{notifMarkup}",p).replace("{promoMarkup}",r).replace("{hideClass}",l).replace("{notifCenterLink}",c).replace("{paddingClass}",u).replace("{headerMsg}",t.panel.headerMsg).replace("{hideHeaderClass}",d).replace(/{notificationCenterNavMsg}/g,t.panel.notificationCenterNavMsg).replace(/{newCount}/g,a)}},{key:"render",value:function(e,n){var t=this;if(t._panelNode){var o=void 0,i=t._panelNode,r=void 0,s=void 0;switch(e){case EXPANDED_PANEL:o=panelTemplate,s=t._store.getNotifications(),r=t._generatePanelMarkup(o,s),i.innerHTML=r;break;case ERROR_PANEL:r=(o=panelErrorTemplate).replace("{errorMsg}",t._config.panel.errorMsg),i.innerHTML=r}n&&n()}else n&&n(new Error("No panel parent"))}},{key:"createPanelParentNode",value:function(e){e&&(e.innerHTML=panelParentTemplate,this._panelNode=document.getElementById(constants.panelNodeId))}},{key:"updateBadgeNode",value:function(e){if(e){var n=this._store.getNotifications().newCount,t=this._config.badge.maxCount;if(n){var o=n>t?t+"+":n;e.innerHTML=o}else e.innerHTML=""}}},{key:"addStyles",value:function(e){if(e&&"undefined"!=typeof window){var n=document.getElementById(this._config.panel.styleTagId);n||((n=document.createElement("style")).type="text/css",n.id=this._config.panel.styleTagId,n.innerText=e,document.head.appendChild(n))}}}]),e}(),EXPANDED_PANEL$1="expanded_panel",ERROR_PANEL$1="error_panel",PanelController=function(){function e(n,t,o){classCallCheck(this,e);var i=this;i._store=t,i._view=o,i._config=n;var r=i._config.panel;i._panelParentNode=document.querySelector(r.parentSelector),i._badgeNode=i._config.badge.selector&&document.querySelector(i._config.badge.selector),i._indicatorNode=r.indicatorSelector&&document.querySelector(r.indicatorSelector)}return createClass(e,[{key:"createPanelParentNode",value:function(){this._view.createPanelParentNode(this._panelParentNode),this._notifPanelNode=document.getElementById(constants.panelNodeId)}},{key:"refreshPanelNode",value:function(e,n){var t=this;addClass(t._notifPanelNode,constants.panelLoading),t._store.fetchNotifications(e,(function(e,o){var i=window.wafer&&window.wafer.base;i&&i.destroy(t._notifPanelNode),e?t._notifPanelNode.innerHTML||(t._view.render(ERROR_PANEL$1),addClass(t._notifPanelNode,constants.panelLoading)):(t._view.render(EXPANDED_PANEL$1),t._view.updateBadgeNode(t._badgeNode),t._showBadge(),t._showIndicator(),t._view.addStyles(o.css)),removeClass(t._notifPanelNode,constants.panelLoading),i&&i.sync(t._notifPanelNode.parentNode),n&&n(e,o)}))}},{key:"resetBadge",value:function(){var e=this;e._store.resetNewCount(),e._view.updateBadgeNode(e._badgeNode),addClass(e._badgeNode,e._config.badge.hideClass)}},{key:"_showIndicator",value:function(){this._indicatorNode&&(this._store.getNotifications().newCount?addClass(this._indicatorNode,this._config.panel.indicatorClass):removeClass(this._indicatorNode,this._config.panel.indicatorClass))}},{key:"_showBadge",value:function(){var e=this;e._store.getNotifications().newCount?removeClass(e._badgeNode,e._config.badge.hideClass):addClass(e._badgeNode,e._config.badge.hideClass)}}]),e}(),config={promos:{eligibleBodyClass:"display-push-promos",enableNotifOnboard:!0,bypassEligibleClassCheck:!1,notifOnboardBtnLabel:"Notify Me",notifOnboardMsg:"Get alerts for breaking news and top stories",promoLogo:"https://s.yimg.com/cv/apiv2/ae/news/circle_bell.png",showYahooLogo:!0,subscriptionTopic:"gondor_homerun_news"},badge:{hideClass:"",maxCount:5,selector:""},panel:{emptyPanelMsg:"You have no new notifications.",errorMsg:"",headerMsg:"Notifications",imageTag:"img:40x40|2|80",indicatorClass:"yns-indicator",indicatorSelector:null,maxCount:6,notificationCenterNavMsg:"View all {newCount} notifications",notificationCenterPath:"",notificationTypes:"",parentSelector:null,styleTagId:"notificationStyles",theme:"default"},service:{attemptCount:1,attemptDelay:2,url:null,resetUrl:null,isRMP:!1,responseType:"json",timeout:1500}},Main=function(){function e(n){classCallCheck(this,e);var t=this;t.config=t._parseConfig(n),t._validateRequiredConfigs()&&(t._request=new NotificationRequest(t.config),t._store=new NotificationStore(t.config,t._request),t._view=new NotificationView(t.config,t._store),t._panelController=new PanelController(t.config,t._store,t._view),t._panelController.createPanelParentNode(),t._assignHelperMethods())}return createClass(e,[{key:"_parseConfig",value:function(e){var n={};for(var t in objectAssign(n,config),n)if(n.hasOwnProperty(t)){var o=n[t],i=e[t];"object"===(void 0===o?"undefined":_typeof(o))?objectAssign(o,i):n[t]=e[t]}return n}},{key:"_validateRequiredConfigs",value:function(){var e=this.config;return!(!e.panel.parentSelector||!e.service.url)}},{key:"_assignHelperMethods",value:function(){var e=this;e.helpers={refreshPanelNode:e._panelController.refreshPanelNode.bind(e._panelController),resetBadge:e._panelController.resetBadge.bind(e._panelController),resetIndicator:function(){removeClass(e._panelController._indicatorNode,e.config.panel.indicatorClass)}}}}]),e}(),notificationClient_module_min=Main,notificationClient={NotificationClient:notificationClient_module_min},CONSUMPTION_STORAGE_KEY="lnct",NotifClient=function(){function e(){var e,n;this.personalized=!1,this.ybarElem=document.getElementById("ybar"),this.partnerClasses=null===(n=null===(e=this.ybarElem)||void 0===e?void 0:e.className)||void 0===n?void 0:n.match(/ybar-variant-([a-z]*)/),this.client=new notificationClient.NotificationClient(this.getConfig())}return e.prototype.refreshPanel=function(){var e,n,t,o=this,i={lastUpdate:this.getTimeStamp()||this.setTimeStamp(),loadInHpViewer:!0,includePersonalized:this.personalized},r=(null===(e=window.YAHOO)||void 0===e?void 0:e.context)||(null===(n=window.Af)||void 0===n?void 0:n.context)||{};return r.region&&r.lang&&(i.lang=r.lang,i.region=r.region),(null===(t=this.partnerClasses)||void 0===t?void 0:t.length)&&(i.partner=this.partnerClasses[1]),new Promise((function(e,n){o.client.helpers.refreshPanelNode({matrixParams:i},(function(t,o){t&&(logError("Notification refresh error:",t),n(t)),e(o)}))}))},e.prototype.resetBadge=function(){this.client.helpers.resetBadge(),this.setTimeStamp()},e.prototype.getConfig=function(){var e,n,t,o,i,r={promos:{eligibleBodyClass:"display-push-promos",enableNotifOnboard:!0},badge:{selector:"#notif-badge",hideClass:"ybar-notification-hidden"},panel:{emptyPanelMsg:"You have no new notifications.",errorMsg:"Please check back later.",headerMsg:"Notifications",maxCount:5,parentSelector:"#ybarNotificationBody",notificationTypes:"breakingNews"},service:{url:"/tdv2_fp/api/resource/NotificationHistory.getHistory",isRMP:!1}},s=document.getElementById("notification-container"),a=null===(e=null==s?void 0:s.dataset)||void 0===e?void 0:e.config,c={};if(a){"att"===(null===(n=this.partnerClasses)||void 0===n?void 0:n[1])&&(r.promos.showYahooLogo=!1);try{var l=JSON.parse(a);c=__assign({},l),this.personalized=1===l.personalize}catch(e){logError("Notifications config parsing error",e)}s&&delete s.dataset.config}var d=this.mergeConfigs(r,c);return(null===(t=this.partnerClasses)||void 0===t?void 0:t.length)&&"yahoo"!==(null===(o=this.partnerClasses)||void 0===o?void 0:o[1])&&(null===(i=d.promos)||void 0===i?void 0:i.subscriptionTopic)&&delete d.promos.subscriptionTopic,d},e.prototype.mergeConfigs=function(e,n){var t=__assign({},e);for(var o in e)t[o]=__assign(__assign({},e[o]),n[o]);return t},e.prototype.getTimeStamp=function(){var e;return null===(e=window.localStorage)||void 0===e?void 0:e.getItem(CONSUMPTION_STORAGE_KEY)},e.prototype.setTimeStamp=function(){var e,n=""+Math.floor((new Date).getTime()/1e3);return null===(e=window.localStorage)||void 0===e||e.setItem(CONSUMPTION_STORAGE_KEY,n),n},e}(),notifClient=new NotifClient,getNotifClient=function(){return notifClient},reInit=function(){notifClient=new NotifClient},ybarRapid,ybarRapidInterval,ybarRapidErrMsg="",beaconQueue=[],noop=function(){},logRapidError=function(){window.removeEventListener("beforeunload",logRapidError),""!==ybarRapidErrMsg&&logError("Rapid not found on page",new Error(ybarRapidErrMsg))},findRapidWithSpaceid=function(e){var n=void 0;if(e&&e.length>0)for(var t=0;t

0){if(ybarRapid.addModules(i,!1,o),beaconQueue.length>0)for(e=0;e90&&fireImageBeacon("performance",e)}catch(e){}}),1e3)}))},measureInit=measure("ybar-init");initYbar(),measureInit.stop(),initPerformanceMetricsBeaconListener(),initRapid(),initErrorBeaconListener();var selected$1="_yb_1nkbo",Css$9={"right-item":"_yb_18a9q",selected:selected$1,"ybar-mod-topnavigation":"_yb_ympso","ybar-mod-topnavigation-teaser-imp":"_yb_1hwbj"},DOCUMENT_NODE_TYPE=9;if("undefined"!=typeof Element&&!Element.prototype.matches){var proto=Element.prototype;proto.matches=proto.matchesSelector||proto.mozMatchesSelector||proto.msMatchesSelector||proto.oMatchesSelector||proto.webkitMatchesSelector}function closest(e,n){for(;e&&e.nodeType!==DOCUMENT_NODE_TYPE;){if("function"==typeof e.matches&&e.matches(n))return e;e=e.parentNode}}var closest_1=closest;function _delegate(e,n,t,o,i){var r=listener.apply(this,arguments);return e.addEventListener(t,r,i),{destroy:function(){e.removeEventListener(t,r,i)}}}function delegate(e,n,t,o,i){return"function"==typeof e.addEventListener?_delegate.apply(null,arguments):"function"==typeof t?_delegate.bind(null,document).apply(null,arguments):("string"==typeof e&&(e=document.querySelectorAll(e)),Array.prototype.map.call(e,(function(e){return _delegate(e,n,t,o,i)})))}function listener(e,n,t,o){return function(t){t.delegateTarget=closest_1(t.target,n),t.delegateTarget&&o.call(e,t)}}var delegate_1=delegate,ListNode=function(e){this.data=e,this.next=null,this.prev=null},LinkedList=function(){function e(){this.head=null,this.tail=null}return e.prototype.push=function(e){var n=new ListNode(e);return this.head?this.tail?(n.prev=this.tail,this.tail.next=n,this.tail=n):(this.tail=n,this.tail.prev=this.head,this.head.next=this.tail):(this.head=n,n.next=this.tail),n},e.prototype.size=function(){for(var e=0,n=this.head;n;)e+=1,n=n.next;return e},e.prototype.getHead=function(){return this.head},e.prototype.getTail=function(){return this.tail},e.prototype.get=function(e){if(e>=this.size())return null;for(var n=0,t=this.head;(null==t?void 0:t.next)&&n0&&Array.prototype.forEach.call(e,(function(e){e.onerror=function(){e.onerror=null,e.style.display="none"}}))},fixLogoOutline=function(e,n){e&&(hideOutlineOnMouseDown("#ybar-logo","#ybar-logo",n),n.onDestroy((function(){e.classList.remove("ybar-show-outline"),e.classList.remove("ybar-hide-outline")})))},logoClick=function(e,n){n&&e.addElementListener(n,"click",(function(){e.triggerEvent("logo-click")}))},init$4=function(e,n){n.logoImages&&hideLogosOnError(n.logoImages),n.wrapper&&(fixLogoOutline(n.wrapper,e),logoClick(e,n.wrapper))};initModule("ybar-mod-logo",(function(e){var n={wrapper:document.getElementById("ybar-logo"),logoImages:document.querySelectorAll(".".concat(Css$6["logo-image"]))};init$4(e,n)}));var overlay="_yb_xfu6n",tooltip="_yb_9hiuc",tooltip__text="_yb_dv268",tooltip__voice="_yb_1gram",tooltip__web="_yb_1exd6",dark="_yb_127od",darker="_yb_61pfo",light="_yb_1i0wf",midnight60="_yb_1cq7b",Css$5={"dropdown-open":"_yb_1m14p","merchant-is-selected":"_yb_12as5",overlay:overlay,"selected-merchant-clear-button":"_yb_2iwa2","shops-buttons":"_yb_oph8k","styled-select":"_yb_lq6hg",tooltip:tooltip,"tooltip--show":"_yb_4zyx3",tooltip__text:tooltip__text,tooltip__voice:tooltip__voice,tooltip__web:tooltip__web,dark:dark,darker:darker,light:light,midnight60:midnight60},range=function(e,n){var t=Math.max(e,n),o=Math.min(e,n),i=Math.abs(t-o);return __spreadArray([],__read(new Array(i+1)),!1).map((function(e,n){return o+n}))},openSearchOverlay=function(e,n,t){var o=e.getConfig().bucketConfig,i=(void 0===o?{}:o).enable_search_ui,r=void 0!==i&&i;if(n.ybar){n.ybar.classList.add("ybar-searchbox-assist-fullscreen"),document.documentElement.classList.add("ybar-overlay"),document.body.classList.add("ybar-overlay-noscroll");beaconClick("ybar","websrch","",{elm:"expand",subsec:"searchbox",itc:"1"}),setTimeout((function(){n.searchInput instanceof HTMLInputElement&&(t&&(n.searchInput.value=t),n.searchInput.focus(),r&&n.searchInput.click())}))}},closeSearchOverlay=function(e){var n;null===(n=e.ybar)||void 0===n||n.classList.remove("ybar-searchbox-assist-fullscreen"),document.documentElement.classList.remove("ybar-overlay"),document.body.classList.remove("ybar-overlay-noscroll"),e.searchInput instanceof HTMLInputElement&&(e.searchInput.value="",e.searchInput.blur())},initMweb=function(e,n){"smartphone"===e.getConfig().device&&(e.addElementListener(n.searchBoxPlaceholder,"click",(function(){openSearchOverlay(e,n)})),e.addElementListener(n.searchBoxPlaceholder,"keydown",(function(t){var o=t,i=o.keyCode,r=o.key,s=range(65,90),a=__spreadArray(__spreadArray([],__read(range(58,57)),!1),__read(range(96,105)),!1),c=__spreadArray(__spreadArray([],__read(s),!1),__read(a),!1).includes(i);(32===i||13===i||c)&&(t.preventDefault(),t.stopPropagation(),openSearchOverlay(e,n,c?r:""))})),n.searchBoxBackButton&&(e.addElementListener(n.searchBoxBackButton,"click",(function(e){e.stopPropagation(),closeSearchOverlay(n);beaconClick("ybar","back-close-srch","",{elm:"btn",subsec:"searchbox",itc:"1"})})),e.addElementListener(n.searchInput,"keyup",(function(e){e.stopPropagation();27===e.keyCode&&(e.stopPropagation(),closeSearchOverlay(n))}))),e.addEventListener("viewerClosed",(function(){closeSearchOverlay(n)})),e.onDestroy((function(){closeSearchOverlay(n)})))},Tooltip=function(){function e(e,n,t){n&&(this.ybar=e,this.elem=n,this.options=t,this.show=this.show.bind(this),this.hide=this.hide.bind(this),this.addEventListeners())}return Object.defineProperty(e.prototype,"tooltip",{get:function(){var e=this;return this.tooltipMarkup||(this.tooltipMarkup=this.createTooltip(),(this.options.tooltipParentElm||this.elem).appendChild(this.tooltipMarkup),this.ybar.onDestroy((function(){var n,t;null===(t=null===(n=e.tooltipMarkup)||void 0===n?void 0:n.parentNode)||void 0===t||t.removeChild(e.tooltipMarkup)}))),this.tooltipMarkup},enumerable:!1,configurable:!0}),e.prototype.show=function(){this.tooltip.classList.add(this.options.showClass)},e.prototype.hide=function(){this.tooltip.classList.remove(this.options.showClass)},e.prototype.addEventListeners=function(){this.ybar.addElementListener(this.elem,"mouseenter",this.show),this.ybar.addElementListener(this.elem,"focus",this.show),this.ybar.addElementListener(this.elem,"mouseleave",this.hide),this.ybar.addElementListener(this.elem,"blur",this.hide)},e.prototype.createTooltip=function(){var e=document.createElement("div");e.className=this.options.containerClass||"";var n=document.createElement("p");return n.textContent=this.options.label,n.className=this.options.textClass||"",e.appendChild(n),e},e}();createCommonjsModule((function(module){(function(){var __webpack_modules__={"./src/index.js":/*!**********************!*\ !*** ./src/index.js ***! \**********************/function(__unused_webpack_module,__unused_webpack_exports,__webpack_require__){eval("var I18n = __webpack_require__(/*! ./lib/I18n */ \"./src/lib/I18n.js\");\n\n(function (win, doc) {\n \"use strict\";\n\n var defaultConfig = {\n uiLang: 'en-US',\n speechLang: 'en-US',\n voiceButton: '#voice-btn',\n searchBox: {\n form: '#sf',\n input: '#yschsp',\n params: {\n fr: '',\n fr2: ''\n }\n },\n enable_voice_trending: false,\n trending: {\n market: \"en-us\"\n },\n ui: {\n speechOverlay: {\n disableBlur: false\n }\n },\n browsers: {\n edge: false\n }\n };\n\n function VoiceSearch(config) {\n var self = this;\n self.config = Object.assign(defaultConfig, config || {});\n self.i18n = new VoiceSearch.I18n({\n lang: self.config.uiLang\n });\n self.renderPermissionGuide(self);\n self.renderSpeechPanel(self);\n self.speechResult = '';\n self.noSpeech = true;\n self.isRecognitionStart = false;\n self.recognition = null;\n self.voiceButton = doc.querySelector(self.config.voiceButton);\n self.searchBoxForm = doc.querySelector(self.config.searchBox.form);\n self.searchBoxQuery = doc.querySelector(self.config.searchBox.input);\n self.speechPanel = doc.querySelector('#spch');\n self.speechButtonContainer = doc.querySelector('#spchbc');\n self.speechButton = doc.querySelector('#spchbc-btn');\n self.speechText = doc.querySelector('#spcht');\n self.speechOverlay = doc.getElementById('spch-overlay');\n self.retryLink = doc.querySelector('#spcht-retry');\n self.trending = doc.getElementById('spch-trending');\n self.trendingTerms = doc.getElementById('trending-terms');\n self.termSpans = doc.getElementsByClassName(\"trending-term\");\n self.closeButton = doc.querySelector('#spchx');\n self.startAudio = new Audio('https://s.yimg.com/pv/static/misc/voice-start-202105050733.wav');\n self.resultAudio = new Audio('https://s.yimg.com/pv/static/misc/voice-result-202105050733.wav');\n self.errorAudio = new Audio('https://s.yimg.com/pv/static/misc/voice-error-202105050733.wav');\n self.closeAudio = new Audio('https://s.yimg.com/pv/static/misc/voice-close-202105050733.wav');\n self.permissionGuide = doc.querySelector('#spchp');\n self.permissionGuideClose = doc.querySelector('#spchpx');\n self.permissionGuideTimer = null;\n\n self.onEscKeyDown = function (e) {\n if (e.code !== 'Escape') {\n return;\n }\n\n self.recognition.stop();\n self.sendBeacon('keybrd', 'voicesearch_cancel_esc'); // The clean up should put inside closePanel() instead of here,\n // or func won't be cleaned up if user close panel with btn or overlay\n\n self.closePanel(self);\n };\n\n if (self.isBrowserSupported()) {\n var SpeechRecognition = win.SpeechRecognition || win.webkitSpeechRecognition;\n var SpeechGrammarList = win.SpeechGrammarList || win.webkitSpeechGrammarList;\n var speechGrammar = '#JSGF V1.0;';\n self.recognition = new SpeechRecognition();\n var speechRecognitionList = new SpeechGrammarList();\n\n if (speechRecognitionList.addFromString) {\n speechRecognitionList.addFromString(speechGrammar, 1);\n }\n\n self.recognition.grammars = speechRecognitionList;\n self.recognition.continuous = false;\n self.recognition.lang = self.config.speechLang;\n self.recognition.interimResults = false;\n self.recognition.maxAlternatives = 1;\n /* Listeners */\n\n if (self.voiceButton) {\n self.voiceButton.onclick = function () {\n self.recognition.start();\n\n if (self.permissionGuideTimer) {\n win.clearTimeout(self.permissionGuideTimer);\n }\n\n self.permissionGuideTimer = win.setTimeout(function () {\n if (!self.isRecognitionStart) {\n self.showPermissionGuide(self);\n }\n }, 300); // Also close when pressing esc\n\n doc.addEventListener('keydown', self.onEscKeyDown);\n self.sendBeacon('clk', 'voicesearch');\n };\n }\n\n if (self.speechButton) {\n self.speechButton.onclick = function () {\n if (!self.isRecognitionStart) {\n self.recognition.start();\n self.sendBeacon('clk', 'voicesearch_panel_mic_restart');\n } else {\n self.recognition.stop();\n self.sendBeacon('clk', 'voicesearch_panel_mic_close');\n self.closePanel(self);\n }\n };\n }\n\n if (self.retryLink) {\n self.retryLink.onclick = function () {\n if (!self.isRecognitionStart) {\n self.recognition.start();\n self.sendBeacon('clk', 'voicesearch_panel_retry');\n }\n };\n }\n\n if (self.speechOverlay) {\n self.speechOverlay.onclick = function () {\n self.recognition.stop();\n self.sendBeacon('clk', 'voicesearch_cancel_outside');\n self.closePanel(self);\n };\n }\n\n if (self.closeButton) {\n self.closeButton.onclick = function\n /*event*/\n () {\n self.recognition.stop();\n self.sendBeacon('clk', 'voicesearch_cancel');\n self.closePanel(self);\n };\n }\n\n if (self.permissionGuideClose) {\n self.permissionGuideClose.onclick = function\n /*event*/\n () {\n self.recognition.stop();\n self.sendBeacon('clk', 'voicesearch_permission_close');\n self.closeAudio.play();\n self.hidePermissionGuide(self);\n };\n }\n /* Recognition Events */\n\n\n self.recognition.onresult = function (event) {\n // The SpeechRecognitionEvent results property returns a SpeechRecognitionResultList object\n // The SpeechRecognitionResultList object contains SpeechRecognitionResult objects.\n // It has a getter so it can be accessed like an array\n // The first [0] returns the SpeechRecognitionResult at the last position.\n // Each SpeechRecognitionResult object contains SpeechRecognitionAlternative objects that contain individual results.\n // These also have getters so they can be accessed like arrays.\n // The second [0] returns the SpeechRecognitionAlternative at position 0.\n // We then return the transcript property of the SpeechRecognitionAlternative object\n // console.log('Confidence: ' + event.results[0][0].confidence);\n self.speechResult = event.results[0][0].transcript;\n /* Punctuation Handling: Check last character and strip it if necessary */\n\n self.handlePunctuation(self);\n\n if (self.speechText) {\n self.speechText.innerText = self.speechResult;\n }\n\n if (self.searchBoxQuery) {\n self.searchBoxQuery.value = self.speechResult;\n }\n\n self.resultAudio.play();\n win.setTimeout(function () {\n if (self.speechPanel) {\n self.speechPanel.classList.remove(\"s2tb\");\n self.speechPanel.classList.add(\"s2tb-h\");\n }\n\n self.hideRetryLink(self);\n\n if (self.searchBoxForm) {\n var inputFr = self.searchBoxForm.querySelector('[name=fr]');\n var inputFr2 = self.searchBoxForm.querySelector('[name=fr2]');\n\n if (inputFr && self.config.searchBox && self.config.searchBox.params && self.config.searchBox.params.fr) {\n inputFr.value = config.searchBox.params.fr;\n inputFr.disabled = false; // for homepage case\n }\n\n if (inputFr2 && self.config.searchBox && self.config.searchBox.params && self.config.searchBox.params.fr2) {\n inputFr2.value = config.searchBox.params.fr2;\n inputFr2.disabled = false; // for homepage case\n }\n\n self.searchBoxForm.submit();\n }\n }, 1000);\n };\n\n self.recognition.onspeechstart = function\n /*event*/\n () {// Fired when speech starts\n };\n\n self.recognition.onspeechend = function () {\n // Fired when speech ends\n self.recognition.stop();\n };\n\n self.recognition.onerror = function\n /*event*/\n () {\n // console.log('Error occurred in recognition: ' + event.error);\n if (self.speechText) {\n self.speechText.innerText = self.i18n.t('search.voice.recognition_error');\n }\n\n self.hideTrending(self);\n self.showRetryLink(self);\n self.errorAudio.play();\n };\n\n self.recognition.onaudiostart = function\n /*event*/\n () {\n // Fired when the user agent has started to capture audio.\n if (self.speechButtonContainer) {\n self.speechButtonContainer.classList.add(\"listening\");\n }\n };\n\n self.recognition.onaudioend = function\n /*event*/\n () {\n // Fired when the user agent has finished capturing audio.\n if (self.speechButtonContainer) {\n self.speechButtonContainer.classList.remove(\"listening\");\n }\n };\n\n self.recognition.onsoundstart = function\n /*event*/\n () {\n // Fired when any sound — recognisable speech or not — has been detected.\n self.hideTrending(self);\n self.noSpeech = false;\n\n if (self.speechButtonContainer) {\n self.speechButtonContainer.classList.remove(\"listening\");\n self.speechButtonContainer.classList.add(\"speaking\");\n }\n };\n\n self.recognition.onsoundend = function\n /*event*/\n () {\n // Fired when no sound present\n if (self.speechButtonContainer) {\n self.speechButtonContainer.classList.remove(\"speaking\");\n }\n };\n\n self.recognition.onstart = function\n /*event*/\n () {\n // Fired when the speech recognition service has begun listening\n self.recognitionInit(self);\n self.startRecognition(self);\n };\n\n self.recognition.onend = function\n /*event*/\n () {\n // Fired when the speech recognition service has disconnected.\n self.isRecognitionStart = false;\n\n if (self.noSpeech == false && self.speechResult == '') {\n // No match: Fired when the speech recognition can't recognise speech\n if (self.speechText) {\n self.speechText.innerText = self.i18n.t('search.voice.recognition_nomatch');\n }\n\n self.hideTrending(self);\n self.showRetryLink(self);\n self.errorAudio.play();\n }\n }; // trigger onReady event when initialized\n\n\n if (document && document.dispatchEvent) {\n document.dispatchEvent(new Event('VOICE_JS_READY'));\n }\n }\n } // static members\n\n\n VoiceSearch.I18n = I18n; // instance members\n\n VoiceSearch.prototype.renderPermissionGuide = function (self) {\n var tmpl = \"\\n

\\n

\".concat(self.i18n.t('search.voice.permission_title'), \"

\\n

\").concat(self.i18n.t('search.voice.permission_text'), \"

\\n

\\n \");\n var dom = new DOMParser().parseFromString(tmpl, 'text/html');\n document.body.appendChild(dom.body.children[0]);\n };\n\n VoiceSearch.prototype.renderSpeechPanel = function (self) {\n var tmpl = \"\\n

\\n

\\n \\n \\n \\n \\n \\n \\n

\\n

\\n \\n \\n \".concat(self.i18n.t('search.voice.recognition_retry'), \"\\n

\\n

\\n \").concat(self.i18n.t('search.voice.trending_title'), \"\\n \\n

\\n

\\n \");\n var dom = new DOMParser().parseFromString(tmpl, 'text/html');\n\n if (self && self.config && self.config.ui && self.config.ui.speechOverlay && self.config.ui.speechOverlay.disableBlur) {\n dom.body.children[0].classList.add('disable-blur-overlay');\n }\n\n document.body.appendChild(dom.body.children[0]);\n };\n\n VoiceSearch.prototype.isBrowserSupported = function () {\n var isSupported = false;\n var self = this;\n var isChromium = Boolean(window.chrome);\n var isIOSChrome = /CriOS/.test(window.navigator.userAgent);\n var isEdge = /Edg\\//.test(window.navigator.userAgent);\n var isLegacyEdge = /Edge\\//.test(window.navigator.userAgent);\n var isOpera = Boolean(window.opr);\n var isBrave = Boolean(window.navigator.brave);\n var browsers = [// chrome\n {\n checkEnabled: function checkEnabled() {\n return true;\n },\n checkBrowser: function checkBrowser() {\n return isChromium && !isIOSChrome && !isEdge && !isOpera && !isBrave;\n },\n checkAPI: function checkAPI() {\n return win && ('SpeechRecognition' in win || 'webkitSpeechRecognition' in win) && ('SpeechGrammarList' in win || 'webkitSpeechGrammarList' in win);\n }\n }, // edge\n {\n checkEnabled: function checkEnabled() {\n return self && self.config && self.config.browsers && self.config.browsers.edge;\n },\n checkBrowser: function checkBrowser() {\n return isChromium && isEdge && !isLegacyEdge;\n },\n checkAPI: function checkAPI() {\n return win && ('SpeechRecognition' in win || 'webkitSpeechRecognition' in win) && ('SpeechGrammarList' in win || 'webkitSpeechGrammarList' in win);\n }\n }];\n\n for (var b = 0; b < browsers.length; b++) {\n var browser = browsers[b];\n\n if (browser && browser.checkBrowser && browser.checkBrowser() && browser.checkEnabled && browser.checkEnabled(self) && browser.checkAPI && browser.checkAPI()) {\n isSupported = true;\n }\n }\n\n return isSupported;\n };\n\n VoiceSearch.prototype.recognitionInit = function (self) {\n // Initialize flags for checking whether user is speaking or not\n self.speechResult = '';\n self.noSpeech = true;\n self.isRecognitionStart = true;\n };\n\n VoiceSearch.prototype.showPermissionGuide = function (self) {\n if (self.permissionGuide) {\n self.permissionGuide.classList.remove(\"hide\");\n }\n };\n\n VoiceSearch.prototype.hidePermissionGuide = function (self) {\n if (self.permissionGuide) {\n self.permissionGuide.classList.add(\"hide\");\n }\n };\n\n VoiceSearch.prototype.getTrending = function (self) {\n // Call api for trending terms\n if (!self.config.enable_voice_trending || !self.trending) {\n return;\n }\n\n var url = \"https://api.search.yahoo.com/data/v3/search?appid=4d234a9d&market=\" + self.config.trending.market + \"&features=trending.voice\";\n self.ajaxReq(url, function (resBody) {\n if (!resBody || !resBody.response || !resBody.response.search || !resBody.response.search.results || !resBody.response.search.results[\"trending.voice\"]) {\n return;\n }\n\n var terms = resBody.response.search.results[\"trending.voice\"].data;\n self.showTrending(self, terms);\n });\n };\n\n VoiceSearch.prototype.showTrending = function (self, terms) {\n // params check\n if (!Array.isArray(terms) || terms.length < 3) {\n return;\n } // DOM check\n\n\n if (!self.trending || !self.termSpans || !self.termSpans[0]) {\n return;\n }\n\n var trendingLabel = '';\n trendingLabel += '\"' + terms[0].text + '\"' + ', ';\n trendingLabel += '\"' + terms[1].text + '\"' + ' ';\n trendingLabel += self.i18n.t('search.voice.trending_or') + ' ';\n trendingLabel += '\"' + terms[2].text + '\"';\n self.termSpans[0].innerText = trendingLabel;\n self.trending.classList.remove(\"hide\");\n };\n\n VoiceSearch.prototype.hideTrending = function (self) {\n if (!self.trending) {\n return;\n }\n\n self.trending.classList.add(\"hide\");\n };\n\n VoiceSearch.prototype.showRetryLink = function (self) {\n if (self.retryLink) {\n self.retryLink.innerText = self.i18n.t('search.voice.recognition_retry');\n self.retryLink.classList.remove(\"hide\");\n }\n };\n\n VoiceSearch.prototype.hideRetryLink = function (self) {\n if (self.retryLink) {\n self.retryLink.classList.add(\"hide\");\n }\n };\n\n VoiceSearch.prototype.startRecognition = function (self) {\n self.hidePermissionGuide(self);\n self.getTrending(self);\n self.startAudio.play();\n\n if (self.speechText) {\n self.speechText.innerText = self.i18n.t('search.voice.recognition_start');\n win.setTimeout(function () {\n self.speechText.innerText = self.i18n.t('search.voice.recognition_listening');\n }, 2000);\n }\n\n if (self.speechPanel) {\n self.speechPanel.classList.remove(\"s2tb-h\");\n self.speechPanel.classList.add(\"s2tb\");\n }\n\n self.hideRetryLink(self);\n };\n\n VoiceSearch.prototype.closePanel = function (self) {\n self.closeAudio.play();\n win.setTimeout(function () {\n if (self.speechPanel) {\n self.speechPanel.classList.remove(\"s2tb\");\n self.speechPanel.classList.add(\"s2tb-h\");\n }\n\n self.hideTrending(self);\n self.hideRetryLink(self); // clean up esc listener\n\n doc.removeEventListener('keydown', self.onEscKeyDown);\n }, 100);\n };\n\n VoiceSearch.prototype.handlePunctuation = function (self) {\n if (self.speechResult.length > 0) {\n var lastChar = self.speechResult.charAt(self.speechResult.length - 1);\n\n if (lastChar === '.' || lastChar === '?' || lastChar === '。' || lastChar === '？') {\n self.speechResult = self.speechResult.slice(0, -1);\n }\n }\n };\n\n VoiceSearch.prototype.sendBeacon = function (actn, slk) {\n var ULT = win.YAHOO.ULT || {},\n SB = win.YAHOO.SB || {};\n\n if (ULT.beacon_click) {\n var trackParams = {\n _S: SB.config.i13n.spaceid,\n _I: SB.config.i13n.pvid,\n actn: actn,\n sec: 'search',\n slk: slk\n };\n win.YAHOO.ULT.beacon_click(trackParams);\n }\n };\n\n VoiceSearch.prototype.ajaxReq = function (url, callback) {\n var DONE_STATE = XMLHttpRequest.DONE || 4; // for IE-compatibility\n\n var xhr = new XMLHttpRequest();\n var responseRaw;\n var response; // CORS request only for IE8/IE9\n\n if (doc.documentMode && doc.documentMode < 10) {\n var xdr = new win.XDomainRequest();\n\n xdr.onload = function () {\n try {\n response = JSON.parse(responseRaw);\n callback(response);\n } catch (err) {\n return;\n }\n };\n\n xhr.open('GET', url);\n xhr.send();\n return;\n } // CORS request for browers newer than IE9\n\n\n xhr.onreadystatechange = function () {\n if (xhr.readyState !== DONE_STATE) {\n return;\n } // handle ajax response\n\n\n switch (xhr.status) {\n case 200:\n responseRaw = xhr.responseText;\n\n try {\n response = JSON.parse(responseRaw);\n callback(response);\n } catch (err) {\n return;\n }\n\n break;\n\n default:\n // non-200 status code: retry or assume failure\n callback(response);\n break;\n }\n };\n\n xhr.open('GET', url, true);\n /* aync request */\n\n xhr.timeout = 10000;\n xhr.send();\n };\n\n if (!win.YAHOO) {\n win.YAHOO = {};\n }\n\n if (!win.YAHOO.Util) {\n win.YAHOO.Util = {};\n }\n\n win.YAHOO.Util.VoiceSearch = VoiceSearch;\n})(window, document);\n\n//# sourceURL=webpack://@vzmi/voicejs/./src/index.js?")},"./src/lib/I18n.js":/*!*************************!*\ !*** ./src/lib/I18n.js ***! \*************************/function(module,__unused_webpack_exports,__webpack_require__){eval("module.exports = function () {\n var LANG_LIST = __webpack_require__(/*! ./lang_list.json */ \"./src/lib/lang_list.json\");\n\n var DEFAULT_LANG = 'default';\n\n var isValidLang = function isValidLang(lang) {\n return LANG_LIST.indexOf(lang) !== -1;\n }; // convert language strings to key-value map\n\n\n var buildStrMap = function buildStrMap(langStrings) {\n return langStrings.reduce(function (strMap, item) {\n strMap[item.id] = item.defaultMessage;\n return strMap;\n }, {});\n };\n\n var I18n = function I18n(options) {\n // initialize\n this.lang = isValidLang(options && options.lang) ? options.lang : DEFAULT_LANG;\n }; // static members\n\n\n I18n.langMap = {};\n I18n.langMap[DEFAULT_LANG] = buildStrMap(__webpack_require__(/*! ../lang/strings.json */ \"./src/lang/strings.json\"));\n\n I18n.setLangMap = function (lang, strings) {\n if (lang && strings) {\n I18n.langMap[lang] = buildStrMap(strings);\n }\n }; // instance members\n\n\n I18n.prototype = {\n t: function t(id) {\n switch (true) {\n // look up target language\n case Boolean(I18n.langMap && I18n.langMap[this.lang] && I18n.langMap[this.lang][id]):\n return I18n.langMap[this.lang][id];\n // fallback to default strings\n\n case Boolean(I18n.langMap && I18n.langMap[DEFAULT_LANG] && I18n.langMap[DEFAULT_LANG][id]):\n return I18n.langMap[DEFAULT_LANG][id];\n\n default:\n return '';\n }\n }\n };\n return I18n;\n}();\n\n//# sourceURL=webpack://@vzmi/voicejs/./src/lib/I18n.js?")},"./node_modules/css-loader/dist/cjs.js!./node_modules/postcss-loader/dist/cjs.js!./src/index.css":/*!*******************************************************************************************************!*\ !*** ./node_modules/css-loader/dist/cjs.js!./node_modules/postcss-loader/dist/cjs.js!./src/index.css ***! \*******************************************************************************************************/function(module,__webpack_exports__,__webpack_require__){eval('__webpack_require__.r(__webpack_exports__);\n/* harmony import */ var _node_modules_css_loader_dist_runtime_api_js__WEBPACK_IMPORTED_MODULE_0__ = __webpack_require__(/*! ../node_modules/css-loader/dist/runtime/api.js */ "./node_modules/css-loader/dist/runtime/api.js");\n/* harmony import */ var _node_modules_css_loader_dist_runtime_api_js__WEBPACK_IMPORTED_MODULE_0___default = /*#__PURE__*/__webpack_require__.n(_node_modules_css_loader_dist_runtime_api_js__WEBPACK_IMPORTED_MODULE_0__);\n// Imports\n\nvar ___CSS_LOADER_EXPORT___ = _node_modules_css_loader_dist_runtime_api_js__WEBPACK_IMPORTED_MODULE_0___default()(function(i){return i[1]});\n// Module\n___CSS_LOADER_EXPORT___.push([module.id, "/* Sprites */\\n#spchp.permission-guide .guide .microphone .sprite,\\n#spchp .close-button,\\n#spch .close-button,\\n#spch .spchc .microphone,\\n#spch .spchc .speaking .microphone {\\n background-image: url(https://s.yimg.com/pv/static/img/voiceSearch1x-1620383531565.min.png);\\n background-repeat: no-repeat;\\n background-size: initial;\\n color: transparent;\\n}\\n/* Retina displays */\\n@media\\n only screen and (-webkit-min-device-pixel-ratio: 2),\\n only screen and (min-device-pixel-ratio: 2),\\n only screen and (min-resolution: 192dpi),\\n only screen and (min-resolution: 2dppx) {\\n#spchp.permission-guide .guide .microphone .sprite,\\n#spchp .close-button,\\n#spch .close-button,\\n#spch .spchc .microphone,\\n#spch .spchc .speaking .microphone {\\n background-size: 41px 330px;\\n background-image: url(https://s.yimg.com/pv/static/img/voiceSearch2x-1620383531565.min.png)\\n}\\n }\\n\\n/* permission guide */\\n#spchp.permission-guide {\\n height: 100%;\\n width: 100%;\\n padding: 0;\\n opacity: 0.9;\\n background-color: #fff;\\n left: 0;\\n overflow: hidden;\\n position: fixed;\\n text-align: left;\\n top: 0;\\n z-index: 10000;\\n transition: visibility 0s linear 0.218s, background-color 0.218s;\\n}\\n#spchp.permission-guide .close-button {\\n background-position: 0 0;\\n width: 24px;\\n height: 24px;\\n border: none;\\n cursor: pointer;\\n right: 0;\\n margin: 20px;\\n padding: 0;\\n position: absolute;\\n top: 0;\\n z-index: 10;\\n opacity: 0.8;\\n }\\n#spchp.permission-guide .close-button:hover {\\n opacity: 1;\\n }\\n#spchp.permission-guide .guide {\\n margin: 191px 0 0 507px;\\n }\\n#spchp.permission-guide .guide .microphone {\\n height: 68px;\\n width: 52px;\\n border-right: 1px solid #232a31;\\n float: left;\\n }\\n#spchp.permission-guide .guide .microphone .sprite {\\n background-position: 0 -105px;\\n width: 28px;\\n height: 28px;\\n }\\n#spchp.permission-guide .guide .guide-text {\\n height: 68px;\\n margin-left: 24px;\\n float: left;\\n }\\n#spchp.permission-guide .guide .guide-text .title {\\n color: #232a31;\\n font-size: 32px;\\n font-family: HelveticaNeue-Bold;\\n line-height: 28px;\\n margin-bottom: 16px;\\n }\\n#spchp.permission-guide .guide .guide-text .text {\\n color: #232a31;\\n font-size: 16px;\\n line-height: 28px;\\n }\\n#spchp.permission-guide.hide {\\n display: none;\\n }\\n\\n/* speech panel */\\n#spch.spch {\\n background: #fff;\\n height: 100%;\\n left: 0;\\n opacity: 0;\\n overflow: hidden;\\n position: fixed;\\n text-align: left;\\n top: 0;\\n visibility: hidden;\\n width: 100%;\\n z-index: 10000;\\n transition: visibility 0s linear 0.218s, background-color 0.218s;\\n}\\n#spch.spch .close-button {\\n background-position: 0 0;\\n width: 24px;\\n height: 24px;\\n border: none;\\n cursor: pointer;\\n right: 0;\\n margin: 20px;\\n padding: 0;\\n position: absolute;\\n top: 0;\\n z-index: 10;\\n opacity: 0.8;\\n }\\n#spch.spch .close-button:hover {\\n opacity: 1;\\n }\\n#spch.spch .spchc {\\n display: block;\\n height: 97px;\\n pointer-events: none;\\n }\\n#spch.spch .spchc .inner-container {\\n width: 100%;\\n height: 100%;\\n opacity: 0.1;\\n pointer-events: none;\\n transition: opacity 0.318s ease-in;\\n }\\n#spch.spch .spchc .inner-container .spch-control {\\n display: inline-block;\\n }\\n#spch.spch .spchc .inner-container .text-container {\\n float: left;\\n height: 91px;\\n overflow: hidden;\\n margin: 3px 0;\\n pointer-events: none;\\n width: calc(50% - 48.5px);\\n }\\n#spch.spch .spchc .inner-container .text-container p {\\n display: table-cell;\\n vertical-align: middle;\\n width: 550px;\\n height: 97px;\\n }\\n#spch.spch .spchc .inner-container .text-container .spcht {\\n font-weight: normal;\\n color: #6e7780;\\n line-height: normal;\\n opacity: 0;\\n pointer-events: none;\\n text-align: left;\\n -webkit-font-smoothing: antialiased;\\n transition: opacity 0.1s ease-in, margin-left 0.5s ease-in, top 0s linear 0.218s;\\n }\\n#spch.spch .spchc .inner-container .text-container .spcht.hide {\\n display: none;\\n }\\n#spch.spch .spchc .inner-container .text-container #spcht-retry {\\n color: #0f69ff;\\n cursor: pointer;\\n pointer-events: auto;\\n }\\n#spch.spch .spchc .inner-container .button-container {\\n pointer-events: none;\\n position: relative;\\n transition: transform 0.218s, opacity 0.218s ease-in;\\n }\\n#spch.spch .spchc .inner-container .button-container .button {\\n background-color: #fff;\\n border: 1px solid #eee;\\n border-radius: 100%;\\n bottom: 0;\\n box-shadow: 0 2px 5px rgba(0, 0, 0, 0.1);\\n cursor: pointer;\\n display: inline-block;\\n left: 0;\\n opacity: 0;\\n pointer-events: none;\\n position: absolute;\\n right: 0;\\n top: 0;\\n transition: background-color 0.218s, border 0.218s, box-shadow 0.218s;\\n }\\n#spch.spch .spchc .inner-container .button-container .button .microphone {\\n background-position: 0 -24px;\\n width: 41px;\\n height: 41px;\\n left: 27px;\\n pointer-events: none;\\n position: absolute;\\n top: 27px;\\n transform: scale(1);\\n }\\n#spch.spch .spchc .inner-container .button-container.listening .ripple {\\n position: absolute;\\n width: 136px;\\n height: 136px;\\n z-index: -1;\\n left: 50%;\\n top: 50%;\\n opacity: 0;\\n margin: -70px 0 0 -70px;\\n border-radius: 100px;\\n -webkit-animation: ripple 3.3s infinite;\\n animation: ripple 3.3s infinite;\\n background-color: #fff !important;\\n border: 2px solid #e0e4e9;\\n }\\n#spch.spch .spchc .inner-container .button-container.listening .ripple:nth-child(2) {\\n -webkit-animation-delay: 1.1s;\\n animation-delay: 1.1s;\\n }\\n#spch.spch .spchc .inner-container .button-container.listening .ripple:nth-child(3) {\\n -webkit-animation-delay: 2.2s;\\n animation-delay: 2.2s;\\n }\\n#spch.spch .spchc .inner-container .button-container.speaking .button {\\n background-color: #0f69ff;\\n }\\n#spch.spch .spchc .inner-container .button-container.speaking .button .microphone {\\n background-position: 0 -65px;\\n width: 40px;\\n height: 40px;\\n pointer-events: none;\\n position: absolute;\\n transform: scale(1);\\n }\\n#spch.spch .spchc .inner-container .button-container.speaking .ripple {\\n background-size: 114px;\\n position: absolute;\\n width: 114px;\\n height: 114px;\\n z-index: -1;\\n left: 50%;\\n top: 50%;\\n margin: -57px 0 0 -57px;\\n -webkit-animation: speakingRipple1 2s infinite;\\n animation: speakingRipple1 2s infinite;\\n }\\n#spch.spch .spchc .inner-container .button-container.speaking .ripple:nth-child(2) {\\n background-size: 123px;\\n width: 123px;\\n height: 123px;\\n margin: -62px 0 0 -62px;\\n -webkit-animation: speakingRipple2 2s infinite;\\n animation: speakingRipple2 2s infinite;\\n }\\n#spch.spch .spchc .inner-container .button-container.speaking .ripple:nth-child(3) {\\n background-size: 136px;\\n width: 136px;\\n height: 136px;\\n margin: -68px 0 0 -68px;\\n -webkit-animation: speakingRipple3 2s infinite;\\n animation: speakingRipple3 2s infinite;\\n }\\n#spch.spch .spcho {\\n background-image: linear-gradient(to bottom, rgb(255, 255, 255) 50%, rgba(255, 255, 255, 0) 99%);\\n display: block;\\n min-width: 100%;\\n text-align: center;\\n top: 145px;\\n padding-bottom: 71px;\\n pointer-events: auto;\\n }\\n#spch.spch .spcho #spch-trending {\\n -webkit-animation: fadeIn 1s forwards;\\n animation: fadeIn 1s forwards;\\n opacity: 0;\\n }\\n#spch.spch .spcho #spch-trending .trending {\\n color: #6e7780;\\n display: inline-block;\\n font-size: 16px;\\n }\\n#spch.spch .spcho #spch-trending #trending-label {\\n font-weight: bold;\\n margin: 5px 5px;\\n }\\n#spch.spch .spcho #spch-trending.hide {\\n display: none;\\n }\\n#spch.spch.s2tb .spchc, #spch.spch.s2tb-h .spchc {\\n background: #fff;\\n box-sizing: border-box;\\n box-shadow: 0 2px 6px rgba(0, 0, 0, 0.2);\\n height: auto;\\n margin: 0;\\n min-width: 100%;\\n overflow: hidden;\\n padding: 24px 115px;\\n }\\n#spch.spch.s2tb .spchc .inner-container, #spch.spch.s2tb-h .spchc .inner-container {\\n opacity: 1;\\n transition: opacity 0.318s ease-in;\\n }\\n#spch.spch.s2tb .spchc .inner-container .text-container, #spch.spch.s2tb-h .spchc .inner-container .text-container {\\n position: relative;\\n }\\n#spch.spch.s2tb {\\n background: rgba(255, 255, 255, 0);\\n opacity: 1;\\n visibility: visible;\\n transition-delay: 0s;\\n }\\n#spch.spch.s2tb .spchc .inner-container .button-container {\\n transform: scale(1);\\n height: 97px;\\n right: 0;\\n top: 0;\\n width: 97px;\\n }\\n#spch.spch.s2tb .spchc .inner-container .button-container .button {\\n opacity: 1;\\n pointer-events: auto;\\n position: absolute;\\n transform: scale(1);\\n transition-delay: 0;\\n }\\n#spch.spch.s2tb .spchc .inner-container .text-container .spcht {\\n font-size: 24px;\\n margin-left: 0;\\n opacity: 1;\\n transition: opacity 0.5s ease-out, margin-left 0.5s ease-out;\\n }\\n#spch.spch.s2tb #spch-overlay {\\n -webkit-backdrop-filter: blur(10px);\\n backdrop-filter: blur(10px);\\n background-color: #fff;\\n height: 100%;\\n opacity: 0.9;\\n position: absolute;\\n top: 149px;\\n\\n /* spchc\'s height */\\n width: 100%;\\n }\\n#spch.spch.disable-blur-overlay #spch-overlay {\\n background-color: transparent;\\n -webkit-backdrop-filter: none;\\n backdrop-filter: none;\\n }\\n#spch.spch.disable-blur-overlay .spcho {\\n height: 27px;\\n padding-bottom: 20px;\\n background: #fff;\\n background-image: none;\\n box-shadow: 0 8px 6px -6px rgb(0 0 0 / 20%);\\n }\\n#spch.spch.s2tb-h {\\n background: rgba(255, 255, 255, 0);\\n opacity: 0;\\n visibility: hidden;\\n }\\n\\n@-webkit-keyframes fadeIn {\\n 0% {\\n opacity: 0;\\n }\\n\\n 100% {\\n opacity: 1;\\n }\\n}\\n\\n@keyframes fadeIn {\\n 0% {\\n opacity: 0;\\n }\\n\\n 100% {\\n opacity: 1;\\n }\\n}\\n\\n@-webkit-keyframes ripple {\\n 0% {\\n opacity: 1;\\n transform: scale(0.7);\\n }\\n\\n 100% {\\n opacity: 0;\\n transform: scale(1);\\n }\\n}\\n\\n@keyframes ripple {\\n 0% {\\n opacity: 1;\\n transform: scale(0.7);\\n }\\n\\n 100% {\\n opacity: 0;\\n transform: scale(1);\\n }\\n}\\n\\n@-webkit-keyframes speakingRipple1 {\\n 0%,\\n 100% {\\n background-image: url(\\"https://s.yimg.com/pv/static/img/ripple1-1-202105260611.png\\");\\n }\\n\\n 25%,\\n 75% {\\n background-image: url(\\"https://s.yimg.com/pv/static/img/ripple1-2-202105260611.png\\");\\n transform: scale(1.1);\\n }\\n\\n 50% {\\n background-image: url(\\"https://s.yimg.com/pv/static/img/ripple1-3-202105260611.png\\");\\n transform: scale(0.9);\\n }\\n}\\n\\n@keyframes speakingRipple1 {\\n 0%,\\n 100% {\\n background-image: url(\\"https://s.yimg.com/pv/static/img/ripple1-1-202105260611.png\\");\\n }\\n\\n 25%,\\n 75% {\\n background-image: url(\\"https://s.yimg.com/pv/static/img/ripple1-2-202105260611.png\\");\\n transform: scale(1.1);\\n }\\n\\n 50% {\\n background-image: url(\\"https://s.yimg.com/pv/static/img/ripple1-3-202105260611.png\\");\\n transform: scale(0.9);\\n }\\n}\\n\\n@-webkit-keyframes speakingRipple2 {\\n 0%,\\n 100% {\\n background-image: none;\\n }\\n\\n 25%,\\n 75% {\\n background-image: url(\\"https://s.yimg.com/pv/static/img/ripple2-2-202105260611.png\\");\\n transform: scale(1.1);\\n }\\n\\n 50% {\\n background-image: url(\\"https://s.yimg.com/pv/static/img/ripple2-3-202105260611.png\\");\\n transform: scale(0.9);\\n }\\n}\\n\\n@keyframes speakingRipple2 {\\n 0%,\\n 100% {\\n background-image: none;\\n }\\n\\n 25%,\\n 75% {\\n background-image: url(\\"https://s.yimg.com/pv/static/img/ripple2-2-202105260611.png\\");\\n transform: scale(1.1);\\n }\\n\\n 50% {\\n background-image: url(\\"https://s.yimg.com/pv/static/img/ripple2-3-202105260611.png\\");\\n transform: scale(0.9);\\n }\\n}\\n\\n@-webkit-keyframes speakingRipple3 {\\n 0%,\\n 25%,\\n 75%,\\n 100% {\\n background-image: none;\\n }\\n\\n 50% {\\n background-image: url(\\"https://s.yimg.com/pv/static/img/ripple3-3-202105260611.png\\");\\n transform: scale(0.9);\\n }\\n}\\n\\n@keyframes speakingRipple3 {\\n 0%,\\n 25%,\\n 75%,\\n 100% {\\n background-image: none;\\n }\\n\\n 50% {\\n background-image: url(\\"https://s.yimg.com/pv/static/img/ripple3-3-202105260611.png\\");\\n transform: scale(0.9);\\n }\\n}\\n", ""]);\n// Exports\n/* harmony default export */ __webpack_exports__["default"] = (___CSS_LOADER_EXPORT___);\n\n\n//# sourceURL=webpack://@vzmi/voicejs/./src/index.css?./node_modules/css-loader/dist/cjs.js!./node_modules/postcss-loader/dist/cjs.js')},"./node_modules/css-loader/dist/runtime/api.js":/*!*****************************************************!*\ !*** ./node_modules/css-loader/dist/runtime/api.js ***! \*****************************************************/function(module){eval('\n\n/*\n MIT License http://www.opensource.org/licenses/mit-license.php\n Author Tobias Koppers @sokra\n*/\n// css base code, injected by the css-loader\n// eslint-disable-next-line func-names\nmodule.exports = function (cssWithMappingToString) {\n var list = []; // return the list of modules as css string\n\n list.toString = function toString() {\n return this.map(function (item) {\n var content = cssWithMappingToString(item);\n\n if (item[2]) {\n return "@media ".concat(item[2], " {").concat(content, "}");\n }\n\n return content;\n }).join("");\n }; // import a list of modules into the list\n // eslint-disable-next-line func-names\n\n\n list.i = function (modules, mediaQuery, dedupe) {\n if (typeof modules === "string") {\n // eslint-disable-next-line no-param-reassign\n modules = [[null, modules, ""]];\n }\n\n var alreadyImportedModules = {};\n\n if (dedupe) {\n for (var i = 0; i < this.length; i++) {\n // eslint-disable-next-line prefer-destructuring\n var id = this[i][0];\n\n if (id != null) {\n alreadyImportedModules[id] = true;\n }\n }\n }\n\n for (var _i = 0; _i < modules.length; _i++) {\n var item = [].concat(modules[_i]);\n\n if (dedupe && alreadyImportedModules[item[0]]) {\n // eslint-disable-next-line no-continue\n continue;\n }\n\n if (mediaQuery) {\n if (!item[2]) {\n item[2] = mediaQuery;\n } else {\n item[2] = "".concat(mediaQuery, " and ").concat(item[2]);\n }\n }\n\n list.push(item);\n }\n };\n\n return list;\n};\n\n//# sourceURL=webpack://@vzmi/voicejs/./node_modules/css-loader/dist/runtime/api.js?')},"./src/index.css":/*!***********************!*\ !*** ./src/index.css ***! \***********************/function(module,__unused_webpack_exports,__webpack_require__){eval('var api = __webpack_require__(/*! !../node_modules/style-loader/dist/runtime/injectStylesIntoStyleTag.js */ "./node_modules/style-loader/dist/runtime/injectStylesIntoStyleTag.js");\n var content = __webpack_require__(/*! !!../node_modules/css-loader/dist/cjs.js!../node_modules/postcss-loader/dist/cjs.js!./index.css */ "./node_modules/css-loader/dist/cjs.js!./node_modules/postcss-loader/dist/cjs.js!./src/index.css");\n\n content = content.__esModule ? content.default : content;\n\n if (typeof content === \'string\') {\n content = [[module.id, content, \'\']];\n }\n\nvar options = {};\n\noptions.insert = "head";\noptions.singleton = false;\n\nvar update = api(content, options);\n\n\n\nmodule.exports = content.locals || {};\n\n//# sourceURL=webpack://@vzmi/voicejs/./src/index.css?')},"./node_modules/style-loader/dist/runtime/injectStylesIntoStyleTag.js":/*!****************************************************************************!*\ !*** ./node_modules/style-loader/dist/runtime/injectStylesIntoStyleTag.js ***! \****************************************************************************/function(module,__unused_webpack_exports,__webpack_require__){eval("\n\nvar isOldIE = function isOldIE() {\n var 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styleTarget.contentDocument.head;\n } catch (e) {\n // istanbul ignore next\n styleTarget = null;\n }\n }\n\n memo[target] = styleTarget;\n }\n\n return memo[target];\n };\n}();\n\nvar stylesInDom = [];\n\nfunction getIndexByIdentifier(identifier) {\n var result = -1;\n\n for (var i = 0; i < stylesInDom.length; i++) {\n if (stylesInDom[i].identifier === identifier) {\n result = i;\n break;\n }\n }\n\n return result;\n}\n\nfunction modulesToDom(list, options) {\n var idCountMap = {};\n var identifiers = [];\n\n for (var i = 0; i < list.length; i++) {\n var item = list[i];\n var id = options.base ? item[0] + options.base : item[0];\n var count = idCountMap[id] || 0;\n var identifier = \"\".concat(id, \" \").concat(count);\n idCountMap[id] = count + 1;\n var index = getIndexByIdentifier(identifier);\n var obj = {\n css: item[1],\n media: item[2],\n sourceMap: item[3]\n };\n\n if (index !== -1) {\n stylesInDom[index].references++;\n stylesInDom[index].updater(obj);\n } else {\n 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What Is a Guaranteed Investment Certificate (GIC)? (2024)

FAQs

What is guaranteed investment certificate GIC? ›

Guaranteed Investment Certificates (GICs) and term deposits are secured investments. This means that you get back the amount you invest at the end of your term. The key difference between a GIC and a term deposit is the length of the term. Term deposits generally have shorter terms than GICs.

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What is the purpose of a GIC? ›

A GIC (guaranteed investment certificate) is a safe and secure investment with very little risk. You don't have to worry about losing your money because it is guaranteed. A GIC works like a savings account in that you deposit money into it and earn interest on that money.

What is GIC in simple words? ›

Guaranteed Investment Certificate is an investment option with very less risk of losing the principal amount. This is a certificate provided by the government to the investor on account of the investor lending money to the government for a fixed rate of return.

What is the equivalent of a GIC in the US? ›

If you're trying to compare GICs to a U.S. equivalent, they're similar to both certificates of deposit (CDs) and bonds. With CDs, you're agreeing to save money with your bank or credit union for a certain period of time. Once the CD matures, you can withdraw the money you deposited and the interest earned.

Is it a good idea to have a GIC? ›

A GIC is a guaranteed investment certificate. They're considered one of the safest investment options for Canadians because returns are guaranteed, so there is minimal risk involved. A GIC works similarly to a high-interest savings account, except that your money is locked in to grow for a predetermined period of time.

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What are the risks with GIC? ›

The biggest risk you may face with GICs is the potential for capital erosion, or the potential for your GIC's interest rate to lag behind the current rate of inflation. For example – let's say you invested $10,000 in a 1-year GIC, with an interest rate of 2%, but the inflation rate was 3% over the same term.

Where does GIC get its money from? ›

GIC is a fund manager, not an owner of the assets. We receive funds from the Government for long-term management, without regard to the sources, e.g. proceeds from securities issued, Government surpluses.

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What are the benefits of opening a GIC account? ›

Benefits of a GIC ¹

Safe and Secure. Invest with peace of mind knowing that your original investment is guaranteed.
Flexible Terms and Payment Options. Choose from a variety of investment terms and interest payment frequencies that suits your needs.
Competitive Rates.

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Who pays the highest interest on GIC? ›

The best rates overall as of May 10, 2023.

1-year GIC: 5.15% (WealthONE Bank of Canada)
2-year GIC: 5.05% (WealthONE Bank of Canada)
3-year GIC: 4.85% (Peoples Bank of Canada)
4-year GIC: 4.80% (WealthONE Bank of Canada)
5-year GIC: 4.72% (Motive Financial)

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How much money can you put in a GIC? ›

There is no limit to the amount you may invest in Guaranteed Investment Certificates (GICs). GIC deposits are eligible for coverage up to $100,000 by the Canada Deposit Insurance Corporation (CDIC) at each financial institution if deposited at a member bank of the CDIC .

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What happens when a GIC matures? ›

The maturity date defines when the GIC agreement ends, or matures. The full amount of the original investment will be returned, together with any remaining interest due at maturity. In addition to fixed-term GICs, you can also choose a cashable / redeemable GIC.

Learn More Now ›

What is the current GIC interest rate? ›

TD's Featured GIC Rates

GIC	Term	Rate
TD Special Offer GIC	100-days	Earn up to 4%
TD Special Offer GIC	18-month	Earn up to 4.20%
TD Canadian Banking & Utilities GIC	3 Years	Earn up to 30%

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What are the pros and cons of GICs? ›

What are the pros and cons of guaranteed investment certificate?

Advantages	Disadvantages
Fixed term and interest. You will know exactly when your GIC will expire and how much interest you'll earn at the end of the term.	Low returns. While GICs are safe, the returns are very low compared to other kinds of investments.

6 more rows

Feb 7, 2023

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Can US citizens buy GIC? ›

Yes, a US citizen can access higher Guaranteed Investment Certificate (GIC) rates through a deposit broker like GICdirect.com.

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Can I buy a GIC in US dollars? ›

You can purchase USD GICs from a bank online, over the phone, or at a branch. Some banks require you to become a banking client in order to be able to purchase GICs. You will need U.S. Dollars to buy USD GICs. If you have a USD bank account, you can use your funds to purchase a USD GIC directly.

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Can you loose money on a GIC? ›

GICs are considered a safe investment – unlike with stocks, you don't risk losing your money. And even if something were to happen with your bank, the federal government – through the Canada Deposit Insurance Corp. (CDIC) – guarantees the GIC's combined principal and interest payments up to $100,000.

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Which bank has the best GIC? ›

Summary of Best GIC Rates In Canada For May 2023

Guaranteed Investment Certificate (GIC)	Forbes Advisor Rating	Terms
RBC ESG Market-Linked GIC	5	4 and 6 years
CIBC Canadian Financials Market Return GICs (5 Years)	4.9	5 years
CIBC Index Growth GICs (5 Years)	4.8	5 years
CIBC Market Return GICs (5 Years)	3.9	5 years

6 more rows

May 1, 2023

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What is the best bank for GIC? ›

Provider	6-Month	1-Year
TD	3.25% 6-Month	4.45% 1-Year
CIBC	3.25% 6-Month	3.50% 1-Year
Canadian Western Bank	3.10% 6-Month	4.55% 1-Year
Sun Life	2.95% 6-Month	4.15% 1-Year

28 more rows

May 5, 2023

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What is the main disadvantage of GIC? ›

Disadvantages. The main disadvantage of glass ionomer sealants or cements has been inadequate retention or simply lack of strength, toughness, and limited wear resistance. For instance, due to its poor retention rate, periodic recalls are necessary, even after 6 months, to eventually replace the lost sealant.

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What happens to GIC rates when interest rates go up? ›

When interest rates go up, so do consumers' expectations for interest rates on savings accounts. Recent hikes may mean slightly higher rates on savings accounts and guaranteed investment certificates (GICs) down the road.

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How long does a GIC last? ›

A Guaranteed Investment Certificate (GIC) is an investment made for a limited term such as 6 months, 1 year, 2 years or up to 10 years. The term ends on the maturity date. Generally, GICs renew automatically unless you inform your institution prior to its renewal.

Does a GIC pay monthly? ›

On GICs with terms of one year or longer, interest is calculated daily on the principal amount and can either be paid monthly, annually, or compounded annually and paid at maturity.

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Is GIC only for Canada? ›

Guaranteed Investment Certificate (GIC) A GIC is a Canadian investment that has a guaranteed rate of return for a fixed period of time. Many banks offer GICs.

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Is a GIC considered cash? ›

Cash equivalents are any highly secure financial asset that is liquid, i.e. can be readily converted into cash, such as high-interest savings accounts, short-term Guaranteed Investment Certificate (GICs), money market funds, treasury bills (T-bills), and other debt instruments with less than a year to maturity.

Are GICs better than bonds? ›

Outperformance of bonds vs GICs has typically been material

With a yield of nearly 6% for Canadian investment grade bonds and potential upside to prices in a falling interest rate environment, it's possible that the outperformance of bonds vs GICs could be material in 2023.

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Which bank gives 7% interest on savings account? ›

While 7% with Landmark Credit Union is the highest available interest rate, other high-yield savings accounts exist and may be more worth it based on each bank's unique requirements.

What is the best alternative to GICs? ›

Regular bonds

Option	Interest Rate (Typical)	Pros
Traditional Savings Account	0.05-0.25%	No minimum balance
High Interest Savings Account	0.50-1.50%	Better interest than traditional savings accounts
Government Savings Bonds	1.00%	No risk of capital loss
Regular Bonds	1.50%+	Higher interest rates and potential for capital gain

Can you withdraw a GIC at any time? ›

C. A GIC that lets you withdraw your money early but there may be a penalty. For example, CIBC's cashable GICs don't pay interest if you cash out in the first 29 days. After 29 days, there's no interest penalty, so you're paid full interest up to the day you withdraw your money.

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Can I live off interest on a million dollars? ›

Once you have $1 million in assets, you can look seriously at living entirely off the returns of a portfolio. After all, the S&P 500 alone averages 10% returns per year. Setting aside taxes and down-year investment portfolio management, a $1 million index fund could provide $100,000 annually.

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Can you cash in a GIC anytime? ›

If you have a redeemable GIC, you can cash in your investment before maturity, subject to certain conditions. If you have a non-redeemable GIC, you'll have to wait until the investment matures.

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What happens to a GIC when the holder dies? ›

The surviving owner(s) will own all the GIC funds remaining, after any debts have been paid, subject to any applicable laws about the period of survivorship.

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Which bank has the highest term deposit interest rate? ›

Highest 24-month term deposit rates

Provider	Rate
Judo Bank	4.85%
G&C Mutual Bank	4.65%
AMP Bank	4.60%
ING	4.60%

1 more row

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Are GIC rates annual or monthly? ›

Rates are calculated on an annual basis and are for the annual interest and at-maturity interest payment options. Rates may change anytime without prior notice.

Why GICs are better than stocks? ›

GICs are closer to bonds than stocks, since the concept is similar: you invest some money and get some interest. Unlike bonds, though, they don't lose value if interest rates rise. This is an important thing to keep in mind for investors who are concerned about interest rate increases.

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Do banks make money from GICs? ›

Also, just like money deposited in a bank account, GICs provide banks with cash that is available to be lent to borrowers. The bank generally makes a profit by paying less interest on the GICs than it charges borrowing customers. A GIC is simply an investment that pays you interest.

How to invest in GIC? ›

Now, you can also buy GICs conveniently online. With a self-directed account, you can choose from a range of GICs from all financial institutions. To browse or research all available GICs, login to WebBroker, and select a GIC from the Rate Sheet. It allows you to further filter and sort by the issuers and best rates.

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Do US citizens living in Canada pay taxes? ›

Taxes: As a US expat in Canada, you'll need to file a US tax return each year and a Canadian tax return if you have Canadian income. However, the US and Canada have a tax treaty to avoid double taxation.

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Can I live in Canada as a US citizen? ›

3) Can I live in Canada as an American citizen? Yes, if you are an American citizen, you may live in Canada. If your stay exceeds 180 days, you will most likely need a visa. You will also need a visa or work permit if you intend to work in Canada.

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Do you pay Canadian taxes on US income? ›

Taxes Paid in the United States

Because you have a duty to report all your U.S. income on your Canadian return, the income is deemed taxable as Canadian income. The usually lower U.S. income tax rate could leave you with an amount owing for the difference between the United States and Canadian income tax rates.

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What is the disadvantage of a guaranteed investment certificate GIC? ›

Disadvantages of GICs

Not all investment returns are taxed equally, and unlike capital gains and dividends, interest income earned from GICs is fully taxable in the year received. GICs typically offer very low returns, especially after accounting for taxes and inflation, which can erode your purchasing power.

How much is guaranteed on GIC? ›

A guaranteed investment certificate (GIC) is a secure, low-risk investment that guarantees 100% of your original principal while earning annual interest at a fixed or variable rate based on a specific formula.

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What is a guaranteed investment certificate GIC most similar to? ›

A GIC works something like a certificate of deposit (CD) from a bank, although GICs are typically purchased by institutions rather than individuals and often come in much higher denominations.

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What are pros and cons of guaranteed investment certificate? ›

What are the pros and cons of guaranteed investment certificate?

Advantages	Disadvantages
Fixed term and interest. You will know exactly when your GIC will expire and how much interest you'll earn at the end of the term.	Low returns. While GICs are safe, the returns are very low compared to other kinds of investments.

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Feb 7, 2023

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What does a 5 year GIC pay? ›

Best 5-Year GIC Rates in Canada

Provider	Rate
Sun Life	3.65% 5-Year
HSBC	3.50% 5-Year
RBC	3.40% 5-Year
Scotiabank	3.25% 5-Year

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May 5, 2023