Uzmanı açıkladı! Politika faizi kararlarının mevduat faizine etkisi
Prof. Dr. Ersan Öz, TCMB’nin açıkladığı politika faiz oranlarıyla bankaların uyguladığı mevduat faizleri arasındaki ilişkiyi Ensonhaber’e anlattı. Öz’e göre, politika faizi yükselirse mevduat faizleri yükseliyor, politika faizi düşerse de kredi piyasası genişliyor.
Güncellenme:
06.11.2024 – 17:52
.video-js .vjs-big-play-button .vjs-icon-placeholder:before,.video-js .vjs-modal-dialog,.vjs-button>.vjs-icon-placeholder:before,.vjs-modal-dialog .vjs-modal-dialog-content{position:absolute;top:0;left:0;width:100%;height:100%}.video-js .vjs-big-play-button .vjs-icon-placeholder:before,.vjs-button>.vjs-icon-placeholder:before{text-align:center}@font-face{font-family:VideoJS;src:url(data:application/font-woff;charset=utf-8;base64,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) format(“woff”);font-weight:400;font-style:normal}.video-js .vjs-big-play-button .vjs-icon-placeholder:before,.video-js .vjs-play-control .vjs-icon-placeholder,.vjs-icon-play{font-family:VideoJS;font-weight:400;font-style:normal}.video-js .vjs-big-play-button .vjs-icon-placeholder:before,.video-js .vjs-play-control .vjs-icon-placeholder:before,.vjs-icon-play:before{content:”f101″}.vjs-icon-play-circle{font-family:VideoJS;font-weight:400;font-style:normal}.vjs-icon-play-circle:before{content:”f102″}.video-js .vjs-play-control.vjs-playing .vjs-icon-placeholder,.vjs-icon-pause{font-family:VideoJS;font-weight:400;font-style:normal}.video-js .vjs-play-control.vjs-playing .vjs-icon-placeholder:before,.vjs-icon-pause:before{content:”f103″}.video-js .vjs-mute-control.vjs-vol-0 .vjs-icon-placeholder,.vjs-icon-volume-mute{font-family:VideoJS;font-weight:400;font-style:normal}.video-js .vjs-mute-control.vjs-vol-0 .vjs-icon-placeholder:before,.vjs-icon-volume-mute:before{content:”f104″}.video-js .vjs-mute-control.vjs-vol-1 .vjs-icon-placeholder,.vjs-icon-volume-low{font-family:VideoJS;font-weight:400;font-style:normal}.video-js .vjs-mute-control.vjs-vol-1 .vjs-icon-placeholder:before,.vjs-icon-volume-low:before{content:”f105″}.video-js .vjs-mute-control.vjs-vol-2 .vjs-icon-placeholder,.vjs-icon-volume-mid{font-family:VideoJS;font-weight:400;font-style:normal}.video-js .vjs-mute-control.vjs-vol-2 .vjs-icon-placeholder:before,.vjs-icon-volume-mid:before{content:”f106″}.video-js .vjs-mute-control .vjs-icon-placeholder,.vjs-icon-volume-high{font-family:VideoJS;font-weight:400;font-style:normal}.video-js .vjs-mute-control .vjs-icon-placeholder:before,.vjs-icon-volume-high:before{content:”f107″}.video-js .vjs-fullscreen-control .vjs-icon-placeholder,.vjs-icon-fullscreen-enter{font-family:VideoJS;font-weight:400;font-style:normal}.video-js .vjs-fullscreen-control .vjs-icon-placeholder:before,.vjs-icon-fullscreen-enter:before{content:”f108″}.video-js.vjs-fullscreen .vjs-fullscreen-control .vjs-icon-placeholder,.vjs-icon-fullscreen-exit{font-family:VideoJS;font-weight:400;font-style:normal}.video-js.vjs-fullscreen .vjs-fullscreen-control .vjs-icon-placeholder:before,.vjs-icon-fullscreen-exit:before{content:”f109″}.vjs-icon-spinner{font-family:VideoJS;font-weight:400;font-style:normal}.vjs-icon-spinner:before{content:”f10a”}.video-js .vjs-subs-caps-button .vjs-icon-placeholder,.video-js .vjs-subtitles-button .vjs-icon-placeholder,.video-js.video-js:lang(en-AU) .vjs-subs-caps-button .vjs-icon-placeholder,.video-js.video-js:lang(en-GB) .vjs-subs-caps-button .vjs-icon-placeholder,.video-js.video-js:lang(en-IE) .vjs-subs-caps-button .vjs-icon-placeholder,.video-js.video-js:lang(en-NZ) .vjs-subs-caps-button .vjs-icon-placeholder,.vjs-icon-subtitles{font-family:VideoJS;font-weight:400;font-style:normal}.video-js .vjs-subs-caps-button .vjs-icon-placeholder:before,.video-js .vjs-subtitles-button .vjs-icon-placeholder:before,.video-js.video-js:lang(en-AU) .vjs-subs-caps-button .vjs-icon-placeholder:before,.video-js.video-js:lang(en-GB) .vjs-subs-caps-button .vjs-icon-placeholder:before,.video-js.video-js:lang(en-IE) .vjs-subs-caps-button .vjs-icon-placeholder:before,.video-js.video-js:lang(en-NZ) .vjs-subs-caps-button .vjs-icon-placeholder:before,.vjs-icon-subtitles:before{content:”f10b”}.video-js .vjs-captions-button .vjs-icon-placeholder,.video-js:lang(en) .vjs-subs-caps-button .vjs-icon-placeholder,.video-js:lang(fr-CA) .vjs-subs-caps-button .vjs-icon-placeholder,.vjs-icon-captions{font-family:VideoJS;font-weight:400;font-style:normal}.video-js .vjs-captions-button .vjs-icon-placeholder:before,.video-js:lang(en) .vjs-subs-caps-button .vjs-icon-placeholder:before,.video-js:lang(fr-CA) .vjs-subs-caps-button .vjs-icon-placeholder:before,.vjs-icon-captions:before{content:”f10c”}.vjs-icon-hd{font-family:VideoJS;font-weight:400;font-style:normal}.vjs-icon-hd:before{content:”f10d”}.video-js .vjs-chapters-button .vjs-icon-placeholder,.vjs-icon-chapters{font-family:VideoJS;font-weight:400;font-style:normal}.video-js .vjs-chapters-button .vjs-icon-placeholder:before,.vjs-icon-chapters:before{content:”f10e”}.vjs-icon-downloading{font-family:VideoJS;font-weight:400;font-style:normal}.vjs-icon-downloading:before{content:”f10f”}.vjs-icon-file-download{font-family:VideoJS;font-weight:400;font-style:normal}.vjs-icon-file-download:before{content:”f110″}.vjs-icon-file-download-done{font-family:VideoJS;font-weight:400;font-style:normal}.vjs-icon-file-download-done:before{content:”f111″}.vjs-icon-file-download-off{font-family:VideoJS;font-weight:400;font-style:normal}.vjs-icon-file-download-off:before{content:”f112″}.vjs-icon-share{font-family:VideoJS;font-weight:400;font-style:normal}.vjs-icon-share:before{content:”f113″}.vjs-icon-cog{font-family:VideoJS;font-weight:400;font-style:normal}.vjs-icon-cog:before{content:”f114″}.vjs-icon-square{font-family:VideoJS;font-weight:400;font-style:normal}.vjs-icon-square:before{content:”f115″}.video-js .vjs-play-progress,.video-js .vjs-volume-level,.vjs-icon-circle,.vjs-seek-to-live-control .vjs-icon-placeholder{font-family:VideoJS;font-weight:400;font-style:normal}.video-js .vjs-play-progress:before,.video-js .vjs-volume-level:before,.vjs-icon-circle:before,.vjs-seek-to-live-control .vjs-icon-placeholder:before{content:”f116″}.vjs-icon-circle-outline{font-family:VideoJS;font-weight:400;font-style:normal}.vjs-icon-circle-outline:before{content:”f117″}.vjs-icon-circle-inner-circle{font-family:VideoJS;font-weight:400;font-style:normal}.vjs-icon-circle-inner-circle:before{content:”f118″}.video-js .vjs-control.vjs-close-button .vjs-icon-placeholder,.vjs-icon-cancel{font-family:VideoJS;font-weight:400;font-style:normal}.video-js .vjs-control.vjs-close-button .vjs-icon-placeholder:before,.vjs-icon-cancel:before{content:”f119″}.vjs-icon-repeat{font-family:VideoJS;font-weight:400;font-style:normal}.vjs-icon-repeat:before{content:”f11a”}.video-js .vjs-play-control.vjs-ended .vjs-icon-placeholder,.vjs-icon-replay{font-family:VideoJS;font-weight:400;font-style:normal}.video-js .vjs-play-control.vjs-ended .vjs-icon-placeholder:before,.vjs-icon-replay:before{content:”f11b”}.video-js .vjs-skip-backward-5 .vjs-icon-placeholder,.vjs-icon-replay-5{font-family:VideoJS;font-weight:400;font-style:normal}.video-js .vjs-skip-backward-5 .vjs-icon-placeholder:before,.vjs-icon-replay-5:before{content:”f11c”}.video-js .vjs-skip-backward-10 .vjs-icon-placeholder,.vjs-icon-replay-10{font-family:VideoJS;font-weight:400;font-style:normal}.video-js .vjs-skip-backward-10 .vjs-icon-placeholder:before,.vjs-icon-replay-10:before{content:”f11d”}.video-js .vjs-skip-backward-30 .vjs-icon-placeholder,.vjs-icon-replay-30{font-family:VideoJS;font-weight:400;font-style:normal}.video-js .vjs-skip-backward-30 .vjs-icon-placeholder:before,.vjs-icon-replay-30:before{content:”f11e”}.video-js .vjs-skip-forward-5 .vjs-icon-placeholder,.vjs-icon-forward-5{font-family:VideoJS;font-weight:400;font-style:normal}.video-js .vjs-skip-forward-5 .vjs-icon-placeholder:before,.vjs-icon-forward-5:before{content:”f11f”}.video-js .vjs-skip-forward-10 .vjs-icon-placeholder,.vjs-icon-forward-10{font-family:VideoJS;font-weight:400;font-style:normal}.video-js .vjs-skip-forward-10 .vjs-icon-placeholder:before,.vjs-icon-forward-10:before{content:”f120″}.video-js .vjs-skip-forward-30 .vjs-icon-placeholder,.vjs-icon-forward-30{font-family:VideoJS;font-weight:400;font-style:normal}.video-js .vjs-skip-forward-30 .vjs-icon-placeholder:before,.vjs-icon-forward-30:before{content:”f121″}.video-js .vjs-audio-button .vjs-icon-placeholder,.vjs-icon-audio{font-family:VideoJS;font-weight:400;font-style:normal}.video-js .vjs-audio-button .vjs-icon-placeholder:before,.vjs-icon-audio:before{content:”f122″}.vjs-icon-next-item{font-family:VideoJS;font-weight:400;font-style:normal}.vjs-icon-next-item:before{content:”f123″}.vjs-icon-previous-item{font-family:VideoJS;font-weight:400;font-style:normal}.vjs-icon-previous-item:before{content:”f124″}.vjs-icon-shuffle{font-family:VideoJS;font-weight:400;font-style:normal}.vjs-icon-shuffle:before{content:”f125″}.vjs-icon-cast{font-family:VideoJS;font-weight:400;font-style:normal}.vjs-icon-cast:before{content:”f126″}.video-js .vjs-picture-in-picture-control .vjs-icon-placeholder,.vjs-icon-picture-in-picture-enter{font-family:VideoJS;font-weight:400;font-style:normal}.video-js .vjs-picture-in-picture-control .vjs-icon-placeholder:before,.vjs-icon-picture-in-picture-enter:before{content:”f127″}.video-js.vjs-picture-in-picture .vjs-picture-in-picture-control .vjs-icon-placeholder,.vjs-icon-picture-in-picture-exit{font-family:VideoJS;font-weight:400;font-style:normal}.video-js.vjs-picture-in-picture .vjs-picture-in-picture-control .vjs-icon-placeholder:before,.vjs-icon-picture-in-picture-exit:before{content:”f128″}.vjs-icon-facebook{font-family:VideoJS;font-weight:400;font-style:normal}.vjs-icon-facebook:before{content:”f129″}.vjs-icon-linkedin{font-family:VideoJS;font-weight:400;font-style:normal}.vjs-icon-linkedin:before{content:”f12a”}.vjs-icon-twitter{font-family:VideoJS;font-weight:400;font-style:normal}.vjs-icon-twitter:before{content:”f12b”}.vjs-icon-tumblr{font-family:VideoJS;font-weight:400;font-style:normal}.vjs-icon-tumblr:before{content:”f12c”}.vjs-icon-pinterest{font-family:VideoJS;font-weight:400;font-style:normal}.vjs-icon-pinterest:before{content:”f12d”}.video-js .vjs-descriptions-button .vjs-icon-placeholder,.vjs-icon-audio-description{font-family:VideoJS;font-weight:400;font-style:normal}.video-js .vjs-descriptions-button .vjs-icon-placeholder:before,.vjs-icon-audio-description:before{content:”f12e”}.video-js{display:inline-block;vertical-align:top;box-sizing:border-box;color:#fff;background-color:#000;position:relative;padding:0;font-size:10px;line-height:1;font-weight:400;font-style:normal;font-family:Arial,Helvetica,sans-serif;word-break:initial}.video-js:-moz-full-screen{position:absolute}.video-js:-webkit-full-screen{width:100%!important;height:100%!important}.video-js[tabindex=”-1″]{outline:0}.video-js *,.video-js :after,.video-js :before{box-sizing:inherit}.video-js ul{font-family:inherit;font-size:inherit;line-height:inherit;list-style-position:outside;margin-left:0;margin-right:0;margin-top:0;margin-bottom:0}.video-js.vjs-1-1,.video-js.vjs-16-9,.video-js.vjs-4-3,.video-js.vjs-9-16,.video-js.vjs-fluid{width:100%;max-width:100%}.video-js.vjs-1-1:not(.vjs-audio-only-mode),.video-js.vjs-16-9:not(.vjs-audio-only-mode),.video-js.vjs-4-3:not(.vjs-audio-only-mode),.video-js.vjs-9-16:not(.vjs-audio-only-mode),.video-js.vjs-fluid:not(.vjs-audio-only-mode){height:0}.video-js.vjs-16-9:not(.vjs-audio-only-mode){padding-top:56.25%}.video-js.vjs-4-3:not(.vjs-audio-only-mode){padding-top:75%}.video-js.vjs-9-16:not(.vjs-audio-only-mode){padding-top:177.7777777778%}.video-js.vjs-1-1:not(.vjs-audio-only-mode){padding-top:100%}.video-js.vjs-fill:not(.vjs-audio-only-mode){width:100%;height:100%}.video-js .vjs-tech{position:absolute;top:0;left:0;width:100%;height:100%}.video-js.vjs-audio-only-mode .vjs-tech{display:none}body.vjs-full-window,body.vjs-pip-window{padding:0;margin:0;height:100%}.vjs-full-window .video-js.vjs-fullscreen,body.vjs-pip-window .video-js{position:fixed;overflow:hidden;z-index:1000;left:0;top:0;bottom:0;right:0}.video-js.vjs-fullscreen:not(.vjs-ios-native-fs),body.vjs-pip-window .video-js{width:100%!important;height:100%!important;padding-top:0!important}.video-js.vjs-fullscreen.vjs-user-inactive{cursor:none}.vjs-pip-container .vjs-pip-text{position:absolute;bottom:10%;font-size:2em;background-color:rgba(0,0,0,.7);padding:.5em;text-align:center;width:100%}.vjs-layout-small.vjs-pip-container .vjs-pip-text,.vjs-layout-tiny.vjs-pip-container .vjs-pip-text,.vjs-layout-x-small.vjs-pip-container .vjs-pip-text{bottom:0;font-size:1.4em}.vjs-hidden{display:none!important}.vjs-disabled{opacity:.5;cursor:default}.video-js .vjs-offscreen{height:1px;left:-9999px;position:absolute;top:0;width:1px}.vjs-lock-showing{display:block!important;opacity:1!important;visibility:visible!important}.vjs-no-js{padding:20px;color:#fff;background-color:#000;font-size:18px;font-family:Arial,Helvetica,sans-serif;text-align:center;width:300px;height:150px;margin:0 auto}.vjs-no-js a,.vjs-no-js a:visited{color:#66a8cc}.video-js .vjs-big-play-button{font-size:3em;line-height:1.5em;height:1.63332em;width:3em;display:block;position:absolute;top:50%;left:50%;padding:0;margin-top:-.81666em;margin-left:-1.5em;cursor:pointer;opacity:1;border:.06666em solid #fff;background-color:#2b333f;background-color:rgba(43,51,63,.7);border-radius:.3em;transition:all .4s}.video-js .vjs-big-play-button:focus,.video-js:hover .vjs-big-play-button{border-color:#fff;background-color:#73859f;background-color:rgba(115,133,159,.5);transition:all 0s}.vjs-controls-disabled .vjs-big-play-button,.vjs-error .vjs-big-play-button,.vjs-has-started .vjs-big-play-button,.vjs-using-native-controls .vjs-big-play-button{display:none}.vjs-has-started.vjs-paused.vjs-show-big-play-button-on-pause .vjs-big-play-button{display:block}.video-js button{background:0 0;border:none;color:inherit;display:inline-block;font-size:inherit;line-height:inherit;text-transform:none;text-decoration:none;transition:none;-webkit-appearance:none;-moz-appearance:none;appearance:none}.vjs-control .vjs-button{width:100%;height:100%}.video-js .vjs-control.vjs-close-button{cursor:pointer;height:3em;position:absolute;right:0;top:.5em;z-index:2}.video-js .vjs-modal-dialog{background:rgba(0,0,0,.8);background:linear-gradient(180deg,rgba(0,0,0,.8),rgba(255,255,255,0));overflow:auto}.video-js .vjs-modal-dialog>*{box-sizing:border-box}.vjs-modal-dialog .vjs-modal-dialog-content{font-size:1.2em;line-height:1.5;padding:20px 24px;z-index:1}.vjs-menu-button{cursor:pointer}.vjs-menu-button.vjs-disabled{cursor:default}.vjs-workinghover .vjs-menu-button.vjs-disabled:hover .vjs-menu{display:none}.vjs-menu .vjs-menu-content{display:block;padding:0;margin:0;font-family:Arial,Helvetica,sans-serif;overflow:auto}.vjs-menu .vjs-menu-content>*{box-sizing:border-box}.vjs-scrubbing .vjs-control.vjs-menu-button:hover .vjs-menu{display:none}.vjs-menu li{list-style:none;margin:0;padding:.2em 0;line-height:1.4em;font-size:1.2em;text-align:center;text-transform:lowercase}.js-focus-visible .vjs-menu li.vjs-menu-item:hover,.vjs-menu li.vjs-menu-item:focus,.vjs-menu li.vjs-menu-item:hover{background-color:#73859f;background-color:rgba(115,133,159,.5)}.js-focus-visible .vjs-menu li.vjs-selected:hover,.vjs-menu li.vjs-selected,.vjs-menu li.vjs-selected:focus,.vjs-menu li.vjs-selected:hover{background-color:#fff;color:#2b333f}.js-focus-visible .vjs-menu :not(.vjs-selected):focus:not(.focus-visible),.video-js .vjs-menu :not(.vjs-selected):focus:not(:focus-visible){background:0 0}.vjs-menu li.vjs-menu-title{text-align:center;text-transform:uppercase;font-size:1em;line-height:2em;padding:0;margin:0 0 .3em 0;font-weight:700;cursor:default}.vjs-menu-button-popup .vjs-menu{display:none;position:absolute;bottom:0;width:10em;left:-3em;height:0;margin-bottom:1.5em;border-top-color:rgba(43,51,63,.7)}.vjs-pip-window .vjs-menu-button-popup .vjs-menu{left:unset;right:1em}.vjs-menu-button-popup .vjs-menu .vjs-menu-content{background-color:#2b333f;background-color:rgba(43,51,63,.7);position:absolute;width:100%;bottom:1.5em;max-height:15em}.vjs-layout-tiny .vjs-menu-button-popup .vjs-menu .vjs-menu-content,.vjs-layout-x-small .vjs-menu-button-popup .vjs-menu .vjs-menu-content{max-height:5em}.vjs-layout-small .vjs-menu-button-popup .vjs-menu .vjs-menu-content{max-height:10em}.vjs-layout-medium .vjs-menu-button-popup .vjs-menu .vjs-menu-content{max-height:14em}.vjs-layout-huge .vjs-menu-button-popup .vjs-menu .vjs-menu-content,.vjs-layout-large .vjs-menu-button-popup .vjs-menu .vjs-menu-content,.vjs-layout-x-large .vjs-menu-button-popup .vjs-menu .vjs-menu-content{max-height:25em}.vjs-menu-button-popup .vjs-menu.vjs-lock-showing,.vjs-workinghover .vjs-menu-button-popup.vjs-hover .vjs-menu{display:block}.video-js .vjs-menu-button-inline{transition:all .4s;overflow:hidden}.video-js .vjs-menu-button-inline:before{width:2.222222222em}.video-js .vjs-menu-button-inline.vjs-slider-active,.video-js .vjs-menu-button-inline:focus,.video-js .vjs-menu-button-inline:hover{width:12em}.vjs-menu-button-inline .vjs-menu{opacity:0;height:100%;width:auto;position:absolute;left:4em;top:0;padding:0;margin:0;transition:all .4s}.vjs-menu-button-inline.vjs-slider-active .vjs-menu,.vjs-menu-button-inline:focus .vjs-menu,.vjs-menu-button-inline:hover .vjs-menu{display:block;opacity:1}.vjs-menu-button-inline .vjs-menu-content{width:auto;height:100%;margin:0;overflow:hidden}.video-js .vjs-control-bar{display:none;width:100%;position:absolute;bottom:0;left:0;right:0;height:3em;background-color:#2b333f;background-color:rgba(43,51,63,.7)}.vjs-audio-only-mode .vjs-control-bar,.vjs-has-started .vjs-control-bar{display:flex;visibility:visible;opacity:1;transition:visibility .1s,opacity .1s}.vjs-has-started.vjs-user-inactive.vjs-playing .vjs-control-bar{visibility:visible;opacity:0;pointer-events:none;transition:visibility 1s,opacity 1s}.vjs-controls-disabled .vjs-control-bar,.vjs-error .vjs-control-bar,.vjs-using-native-controls .vjs-control-bar{display:none!important}.vjs-audio-only-mode.vjs-has-started.vjs-user-inactive.vjs-playing .vjs-control-bar,.vjs-audio.vjs-has-started.vjs-user-inactive.vjs-playing .vjs-control-bar{opacity:1;visibility:visible;pointer-events:auto}.video-js .vjs-control{position:relative;text-align:center;margin:0;padding:0;height:100%;width:4em;flex:none}.video-js .vjs-control.vjs-visible-text{width:auto;padding-left:1em;padding-right:1em}.vjs-button>.vjs-icon-placeholder:before{font-size:1.8em;line-height:1.67}.vjs-button>.vjs-icon-placeholder{display:block}.video-js .vjs-control:focus,.video-js .vjs-control:focus:before,.video-js .vjs-control:hover:before{text-shadow:0 0 1em #fff}.video-js :not(.vjs-visible-text)>.vjs-control-text{border:0;clip:rect(0 0 0 0);height:1px;overflow:hidden;padding:0;position:absolute;width:1px}.video-js .vjs-custom-control-spacer{display:none}.video-js .vjs-progress-control{cursor:pointer;flex:auto;display:flex;align-items:center;min-width:4em;touch-action:none}.video-js .vjs-progress-control.disabled{cursor:default}.vjs-live .vjs-progress-control{display:none}.vjs-liveui .vjs-progress-control{display:flex;align-items:center}.video-js .vjs-progress-holder{flex:auto;transition:all .2s;height:.3em}.video-js .vjs-progress-control .vjs-progress-holder{margin:0 10px}.video-js .vjs-progress-control:hover .vjs-progress-holder{font-size:1.6666666667em}.video-js .vjs-progress-control:hover .vjs-progress-holder.disabled{font-size:1em}.video-js .vjs-progress-holder .vjs-load-progress,.video-js .vjs-progress-holder .vjs-load-progress div,.video-js .vjs-progress-holder .vjs-play-progress{position:absolute;display:block;height:100%;margin:0;padding:0;width:0}.video-js .vjs-play-progress{background-color:#fff}.video-js .vjs-play-progress:before{font-size:.9em;position:absolute;right:-.5em;line-height:.35em;z-index:1}.video-js .vjs-load-progress{background:rgba(115,133,159,.5)}.video-js .vjs-load-progress div{background:rgba(115,133,159,.75)}.video-js .vjs-time-tooltip{background-color:#fff;background-color:rgba(255,255,255,.8);border-radius:.3em;color:#000;float:right;font-family:Arial,Helvetica,sans-serif;font-size:1em;padding:6px 8px 8px 8px;pointer-events:none;position:absolute;top:-3.4em;visibility:hidden;z-index:1}.video-js .vjs-progress-holder:focus .vjs-time-tooltip{display:none}.video-js .vjs-progress-control:hover .vjs-progress-holder:focus .vjs-time-tooltip,.video-js .vjs-progress-control:hover .vjs-time-tooltip{display:block;font-size:.6em;visibility:visible}.video-js .vjs-progress-control.disabled:hover .vjs-time-tooltip{font-size:1em}.video-js .vjs-progress-control .vjs-mouse-display{display:none;position:absolute;width:1px;height:100%;background-color:#000;z-index:1}.video-js .vjs-progress-control:hover .vjs-mouse-display{display:block}.video-js.vjs-user-inactive .vjs-progress-control .vjs-mouse-display{visibility:hidden;opacity:0;transition:visibility 1s,opacity 1s}.vjs-mouse-display .vjs-time-tooltip{color:#fff;background-color:#000;background-color:rgba(0,0,0,.8)}.video-js .vjs-slider{position:relative;cursor:pointer;padding:0;margin:0 .45em 0 .45em;-webkit-touch-callout:none;-webkit-user-select:none;-moz-user-select:none;user-select:none;background-color:#73859f;background-color:rgba(115,133,159,.5)}.video-js .vjs-slider.disabled{cursor:default}.video-js .vjs-slider:focus{text-shadow:0 0 1em #fff;box-shadow:0 0 1em #fff}.video-js .vjs-mute-control{cursor:pointer;flex:none}.video-js .vjs-volume-control{cursor:pointer;margin-right:1em;display:flex}.video-js .vjs-volume-control.vjs-volume-horizontal{width:5em}.video-js .vjs-volume-panel .vjs-volume-control{visibility:visible;opacity:0;width:1px;height:1px;margin-left:-1px}.video-js .vjs-volume-panel{transition:width 1s}.video-js .vjs-volume-panel .vjs-volume-control.vjs-slider-active,.video-js .vjs-volume-panel .vjs-volume-control:active,.video-js .vjs-volume-panel.vjs-hover .vjs-mute-control~.vjs-volume-control,.video-js .vjs-volume-panel.vjs-hover .vjs-volume-control,.video-js .vjs-volume-panel:active .vjs-volume-control,.video-js .vjs-volume-panel:focus .vjs-volume-control{visibility:visible;opacity:1;position:relative;transition:visibility .1s,opacity .1s,height .1s,width .1s,left 0s,top 0s}.video-js .vjs-volume-panel .vjs-volume-control.vjs-slider-active.vjs-volume-horizontal,.video-js .vjs-volume-panel .vjs-volume-control:active.vjs-volume-horizontal,.video-js .vjs-volume-panel.vjs-hover .vjs-mute-control~.vjs-volume-control.vjs-volume-horizontal,.video-js .vjs-volume-panel.vjs-hover .vjs-volume-control.vjs-volume-horizontal,.video-js .vjs-volume-panel:active .vjs-volume-control.vjs-volume-horizontal,.video-js .vjs-volume-panel:focus .vjs-volume-control.vjs-volume-horizontal{width:5em;height:3em;margin-right:0}.video-js .vjs-volume-panel .vjs-volume-control.vjs-slider-active.vjs-volume-vertical,.video-js .vjs-volume-panel .vjs-volume-control:active.vjs-volume-vertical,.video-js .vjs-volume-panel.vjs-hover .vjs-mute-control~.vjs-volume-control.vjs-volume-vertical,.video-js .vjs-volume-panel.vjs-hover .vjs-volume-control.vjs-volume-vertical,.video-js .vjs-volume-panel:active .vjs-volume-control.vjs-volume-vertical,.video-js .vjs-volume-panel:focus .vjs-volume-control.vjs-volume-vertical{left:-3.5em;transition:left 0s}.video-js .vjs-volume-panel.vjs-volume-panel-horizontal.vjs-hover,.video-js .vjs-volume-panel.vjs-volume-panel-horizontal.vjs-slider-active,.video-js .vjs-volume-panel.vjs-volume-panel-horizontal:active{width:10em;transition:width .1s}.video-js .vjs-volume-panel.vjs-volume-panel-horizontal.vjs-mute-toggle-only{width:4em}.video-js .vjs-volume-panel .vjs-volume-control.vjs-volume-vertical{height:8em;width:3em;left:-3000em;transition:visibility 1s,opacity 1s,height 1s 1s,width 1s 1s,left 1s 1s,top 1s 1s}.video-js .vjs-volume-panel .vjs-volume-control.vjs-volume-horizontal{transition:visibility 1s,opacity 1s,height 1s 1s,width 1s,left 1s 1s,top 1s 1s}.video-js .vjs-volume-panel{display:flex}.video-js .vjs-volume-bar{margin:1.35em .45em}.vjs-volume-bar.vjs-slider-horizontal{width:5em;height:.3em}.vjs-volume-bar.vjs-slider-vertical{width:.3em;height:5em;margin:1.35em auto}.video-js .vjs-volume-level{position:absolute;bottom:0;left:0;background-color:#fff}.video-js .vjs-volume-level:before{position:absolute;font-size:.9em;z-index:1}.vjs-slider-vertical .vjs-volume-level{width:.3em}.vjs-slider-vertical .vjs-volume-level:before{top:-.5em;left:-.3em;z-index:1}.vjs-slider-horizontal .vjs-volume-level{height:.3em}.vjs-slider-horizontal .vjs-volume-level:before{line-height:.35em;right:-.5em}.video-js .vjs-volume-panel.vjs-volume-panel-vertical{width:4em}.vjs-volume-bar.vjs-slider-vertical .vjs-volume-level{height:100%}.vjs-volume-bar.vjs-slider-horizontal .vjs-volume-level{width:100%}.video-js .vjs-volume-vertical{width:3em;height:8em;bottom:8em;background-color:#2b333f;background-color:rgba(43,51,63,.7)}.video-js .vjs-volume-horizontal .vjs-menu{left:-2em}.video-js .vjs-volume-tooltip{background-color:#fff;background-color:rgba(255,255,255,.8);border-radius:.3em;color:#000;float:right;font-family:Arial,Helvetica,sans-serif;font-size:1em;padding:6px 8px 8px 8px;pointer-events:none;position:absolute;top:-3.4em;visibility:hidden;z-index:1}.video-js .vjs-volume-control:hover .vjs-progress-holder:focus .vjs-volume-tooltip,.video-js .vjs-volume-control:hover .vjs-volume-tooltip{display:block;font-size:1em;visibility:visible}.video-js .vjs-volume-vertical:hover .vjs-progress-holder:focus .vjs-volume-tooltip,.video-js .vjs-volume-vertical:hover .vjs-volume-tooltip{left:1em;top:-12px}.video-js .vjs-volume-control.disabled:hover .vjs-volume-tooltip{font-size:1em}.video-js .vjs-volume-control .vjs-mouse-display{display:none;position:absolute;width:100%;height:1px;background-color:#000;z-index:1}.video-js .vjs-volume-horizontal .vjs-mouse-display{width:1px;height:100%}.video-js .vjs-volume-control:hover .vjs-mouse-display{display:block}.video-js.vjs-user-inactive .vjs-volume-control .vjs-mouse-display{visibility:hidden;opacity:0;transition:visibility 1s,opacity 1s}.vjs-mouse-display .vjs-volume-tooltip{color:#fff;background-color:#000;background-color:rgba(0,0,0,.8)}.vjs-poster{display:inline-block;vertical-align:middle;cursor:pointer;margin:0;padding:0;position:absolute;top:0;right:0;bottom:0;left:0;height:100%}.vjs-has-started .vjs-poster,.vjs-using-native-controls .vjs-poster{display:none}.vjs-audio.vjs-has-started .vjs-poster,.vjs-has-started.vjs-audio-poster-mode .vjs-poster,.vjs-pip-container.vjs-has-started .vjs-poster{display:block}.vjs-poster img{width:100%;height:100%;-o-object-fit:contain;object-fit:contain}.video-js .vjs-live-control{display:flex;align-items:flex-start;flex:auto;font-size:1em;line-height:3em}.video-js.vjs-liveui .vjs-live-control,.video-js:not(.vjs-live) .vjs-live-control{display:none}.video-js .vjs-seek-to-live-control{align-items:center;cursor:pointer;flex:none;display:inline-flex;height:100%;padding-left:.5em;padding-right:.5em;font-size:1em;line-height:3em;width:auto;min-width:4em}.video-js.vjs-live:not(.vjs-liveui) .vjs-seek-to-live-control,.video-js:not(.vjs-live) .vjs-seek-to-live-control{display:none}.vjs-seek-to-live-control.vjs-control.vjs-at-live-edge{cursor:auto}.vjs-seek-to-live-control .vjs-icon-placeholder{margin-right:.5em;color:#888}.vjs-seek-to-live-control.vjs-control.vjs-at-live-edge .vjs-icon-placeholder{color:red}.video-js .vjs-time-control{flex:none;font-size:1em;line-height:3em;min-width:2em;width:auto;padding-left:1em;padding-right:1em}.video-js .vjs-current-time,.video-js .vjs-duration,.vjs-live .vjs-time-control,.vjs-live .vjs-time-divider{display:none}.vjs-time-divider{display:none;line-height:3em}.video-js .vjs-play-control{cursor:pointer}.video-js .vjs-play-control .vjs-icon-placeholder{flex:none}.vjs-text-track-display{position:absolute;bottom:3em;left:0;right:0;top:0;pointer-events:none}.video-js.vjs-controls-disabled .vjs-text-track-display,.video-js.vjs-user-inactive.vjs-playing .vjs-text-track-display{bottom:1em}.video-js .vjs-text-track{font-size:1.4em;text-align:center;margin-bottom:.1em}.vjs-subtitles{color:#fff}.vjs-captions{color:#fc6}.vjs-tt-cue{display:block}video::-webkit-media-text-track-display{transform:translateY(-3em)}.video-js.vjs-controls-disabled video::-webkit-media-text-track-display,.video-js.vjs-user-inactive.vjs-playing video::-webkit-media-text-track-display{transform:translateY(-1.5em)}.video-js .vjs-picture-in-picture-control{cursor:pointer;flex:none}.video-js.vjs-audio-only-mode .vjs-picture-in-picture-control,.vjs-pip-window .vjs-picture-in-picture-control{display:none}.video-js .vjs-fullscreen-control{cursor:pointer;flex:none}.video-js.vjs-audio-only-mode .vjs-fullscreen-control,.vjs-pip-window .vjs-fullscreen-control{display:none}.vjs-playback-rate .vjs-playback-rate-value,.vjs-playback-rate>.vjs-menu-button{position:absolute;top:0;left:0;width:100%;height:100%}.vjs-playback-rate .vjs-playback-rate-value{pointer-events:none;font-size:1.5em;line-height:2;text-align:center}.vjs-playback-rate .vjs-menu{width:4em;left:0}.vjs-error .vjs-error-display .vjs-modal-dialog-content{font-size:1.4em;text-align:center}.vjs-error .vjs-error-display:before{color:#fff;content:”X”;font-family:Arial,Helvetica,sans-serif;font-size:4em;left:0;line-height:1;margin-top:-.5em;position:absolute;text-shadow:.05em .05em .1em #000;text-align:center;top:50%;vertical-align:middle;width:100%}.vjs-loading-spinner{display:none;position:absolute;top:50%;left:50%;margin:-25px 0 0 -25px;opacity:.85;text-align:left;border:6px solid rgba(43,51,63,.7);box-sizing:border-box;background-clip:padding-box;width:50px;height:50px;border-radius:25px;visibility:hidden}.vjs-seeking .vjs-loading-spinner,.vjs-waiting .vjs-loading-spinner{display:block;animation:vjs-spinner-show 0s linear .3s forwards}.vjs-loading-spinner:after,.vjs-loading-spinner:before{content:””;position:absolute;margin:-6px;box-sizing:inherit;width:inherit;height:inherit;border-radius:inherit;opacity:1;border:inherit;border-color:transparent;border-top-color:#fff}.vjs-seeking .vjs-loading-spinner:after,.vjs-seeking .vjs-loading-spinner:before,.vjs-waiting .vjs-loading-spinner:after,.vjs-waiting .vjs-loading-spinner:before{animation:vjs-spinner-spin 1.1s cubic-bezier(.6,.2,0,.8) infinite,vjs-spinner-fade 1.1s linear infinite}.vjs-seeking .vjs-loading-spinner:before,.vjs-waiting .vjs-loading-spinner:before{border-top-color:#fff}.vjs-seeking .vjs-loading-spinner:after,.vjs-waiting .vjs-loading-spinner:after{border-top-color:#fff;animation-delay:.44s}@keyframes vjs-spinner-show{to{visibility:visible}}@keyframes vjs-spinner-spin{100%{transform:rotate(360deg)}}@keyframes vjs-spinner-fade{0%{border-top-color:#73859f}20%{border-top-color:#73859f}35%{border-top-color:#fff}60%{border-top-color:#73859f}100%{border-top-color:#73859f}}.video-js.vjs-audio-only-mode .vjs-captions-button{display:none}.vjs-chapters-button .vjs-menu ul{width:24em}.video-js.vjs-audio-only-mode .vjs-descriptions-button{display:none}.video-js .vjs-subs-caps-button+.vjs-menu .vjs-captions-menu-item .vjs-menu-item-text .vjs-icon-placeholder{vertical-align:middle;display:inline-block;margin-bottom:-.1em}.video-js .vjs-subs-caps-button+.vjs-menu .vjs-captions-menu-item .vjs-menu-item-text .vjs-icon-placeholder:before{font-family:VideoJS;content:”f10c”;font-size:1.5em;line-height:inherit}.video-js.vjs-audio-only-mode .vjs-subs-caps-button{display:none}.video-js .vjs-audio-button+.vjs-menu .vjs-main-desc-menu-item .vjs-menu-item-text .vjs-icon-placeholder{vertical-align:middle;display:inline-block;margin-bottom:-.1em}.video-js .vjs-audio-button+.vjs-menu .vjs-main-desc-menu-item .vjs-menu-item-text .vjs-icon-placeholder:before{font-family:VideoJS;content:” f12e”;font-size:1.5em;line-height:inherit}.video-js.vjs-layout-small .vjs-current-time,.video-js.vjs-layout-small .vjs-duration,.video-js.vjs-layout-small .vjs-playback-rate,.video-js.vjs-layout-small .vjs-remaining-time,.video-js.vjs-layout-small .vjs-time-divider,.video-js.vjs-layout-small .vjs-volume-control,.video-js.vjs-layout-tiny .vjs-current-time,.video-js.vjs-layout-tiny .vjs-duration,.video-js.vjs-layout-tiny .vjs-playback-rate,.video-js.vjs-layout-tiny .vjs-remaining-time,.video-js.vjs-layout-tiny .vjs-time-divider,.video-js.vjs-layout-tiny .vjs-volume-control,.video-js.vjs-layout-x-small .vjs-current-time,.video-js.vjs-layout-x-small .vjs-duration,.video-js.vjs-layout-x-small .vjs-playback-rate,.video-js.vjs-layout-x-small .vjs-remaining-time,.video-js.vjs-layout-x-small .vjs-time-divider,.video-js.vjs-layout-x-small .vjs-volume-control{display:none}.video-js.vjs-layout-small .vjs-volume-panel.vjs-volume-panel-horizontal.vjs-hover,.video-js.vjs-layout-small .vjs-volume-panel.vjs-volume-panel-horizontal.vjs-slider-active,.video-js.vjs-layout-small .vjs-volume-panel.vjs-volume-panel-horizontal:active,.video-js.vjs-layout-small .vjs-volume-panel.vjs-volume-panel-horizontal:hover,.video-js.vjs-layout-tiny .vjs-volume-panel.vjs-volume-panel-horizontal.vjs-hover,.video-js.vjs-layout-tiny .vjs-volume-panel.vjs-volume-panel-horizontal.vjs-slider-active,.video-js.vjs-layout-tiny .vjs-volume-panel.vjs-volume-panel-horizontal:active,.video-js.vjs-layout-tiny .vjs-volume-panel.vjs-volume-panel-horizontal:hover,.video-js.vjs-layout-x-small .vjs-volume-panel.vjs-volume-panel-horizontal.vjs-hover,.video-js.vjs-layout-x-small .vjs-volume-panel.vjs-volume-panel-horizontal.vjs-slider-active,.video-js.vjs-layout-x-small .vjs-volume-panel.vjs-volume-panel-horizontal:active,.video-js.vjs-layout-x-small .vjs-volume-panel.vjs-volume-panel-horizontal:hover{width:auto;width:initial}.video-js.vjs-layout-tiny .vjs-progress-control,.video-js.vjs-layout-x-small .vjs-progress-control{display:none}.video-js.vjs-layout-x-small .vjs-custom-control-spacer{flex:auto;display:block}.vjs-modal-dialog.vjs-text-track-settings{background-color:#2b333f;background-color:rgba(43,51,63,.75);color:#fff;height:70%}.vjs-text-track-settings .vjs-modal-dialog-content{display:table}.vjs-text-track-settings .vjs-track-settings-colors,.vjs-text-track-settings .vjs-track-settings-controls,.vjs-text-track-settings .vjs-track-settings-font{display:table-cell}.vjs-text-track-settings .vjs-track-settings-controls{text-align:right;vertical-align:bottom}@supports (display:grid){.vjs-text-track-settings .vjs-modal-dialog-content{display:grid;grid-template-columns:1fr 1fr;grid-template-rows:1fr;padding:20px 24px 0 24px}.vjs-track-settings-controls .vjs-default-button{margin-bottom:20px}.vjs-text-track-settings .vjs-track-settings-controls{grid-column:1/-1}.vjs-layout-small .vjs-text-track-settings .vjs-modal-dialog-content,.vjs-layout-tiny .vjs-text-track-settings .vjs-modal-dialog-content,.vjs-layout-x-small .vjs-text-track-settings .vjs-modal-dialog-content{grid-template-columns:1fr}}.vjs-track-setting>select{margin-right:1em;margin-bottom:.5em}.vjs-text-track-settings fieldset{margin:10px;border:none}.vjs-text-track-settings fieldset span{display:inline-block;padding:0 6px 8px}.vjs-text-track-settings fieldset span>select{max-width:7.3em}.vjs-text-track-settings legend{color:#fff;font-weight:700;font-size:14px}.vjs-text-track-settings .vjs-label{clip:rect(1px 1px 1px 1px);clip:rect(1px,1px,1px,1px);margin:0 5px 5px 0;border:0;height:1px;width:1px;overflow:hidden}.vjs-track-settings-controls button:active,.vjs-track-settings-controls button:focus{outline-style:solid;outline-width:medium;background-image:linear-gradient(0deg,#fff 88%,#73859f 100%)}.vjs-track-settings-controls button:hover{color:rgba(43,51,63,.75)}.vjs-track-settings-controls button{background-color:#fff;background-image:linear-gradient(-180deg,#fff 88%,#73859f 100%);color:#2b333f;cursor:pointer;border-radius:2px}.vjs-track-settings-controls .vjs-default-button{margin-right:1em}.vjs-title-bar{background:rgba(0,0,0,.9);background:linear-gradient(180deg,rgba(0,0,0,.9) 0,rgba(0,0,0,.7) 60%,rgba(0,0,0,0) 100%);font-size:1.2em;line-height:1.5;transition:opacity .1s;padding:.666em 1.333em 4em;pointer-events:none;position:absolute;top:0;width:100%}.vjs-title-bar-description,.vjs-title-bar-title{margin:0;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}.vjs-title-bar-title{font-weight:700;margin-bottom:.333em}.vjs-playing.vjs-user-inactive .vjs-title-bar{opacity:0;transition:opacity 1s}.video-js .vjs-skip-forward-5{cursor:pointer}.video-js .vjs-skip-forward-10{cursor:pointer}.video-js .vjs-skip-forward-30{cursor:pointer}.video-js .vjs-skip-backward-5{cursor:pointer}.video-js .vjs-skip-backward-10{cursor:pointer}.video-js .vjs-skip-backward-30{cursor:pointer}@media print{.video-js>:not(.vjs-tech):not(.vjs-poster){visibility:hidden}}.vjs-resize-manager{position:absolute;top:0;left:0;width:100%;height:100%;border:none;z-index:-1000}.js-focus-visible .video-js :focus:not(.focus-visible){outline:0}.video-js :focus:not(:focus-visible){outline:0} .pause-screen { position: absolute; top: 0; left: 0; display: flex; justify-content: center; align-items: center; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.3); background-position: center; background-repeat: no-repeat; background-size: cover; overflow: hidden; } .esh-video-container { width: 100%; height: 100%; } .esh-video-container .video-js { width: 100%; height: 100%; } .esh-video-container .video-js .vjs-big-play-button{ display:flex; height:6rem !important; width:6rem !important; align-items:center; justify-content:center; border-radius:0.5rem !important; –tw-bg-opacity:1 !important; background-color:rgb(153 27 27 / var(–tw-bg-opacity)) !important } .esh-video-container .video-js .vjs-menu-button-inline.vjs-slider-active,.esh-video-container .video-js .vjs-menu-button-inline:focus,.esh-video-container .video-js .vjs-menu-button-inline:hover,.esh-video-container .video-js.vjs-no-flex .vjs-menu-button-inline{ width:10em } .esh-video-container .video-js .vjs-controls-disabled .vjs-big-play-button{ display:none!important } .esh-video-container .video-js .vjs-control{ width:3em } .esh-video-container .video-js .vjs-menu-button-inline:before{ width:1.5em } .vjs-menu-button-inline .vjs-menu{ left:3em } .esh-video-container .video-js.vjs-paused .vjs-big-play-button,.vjs-paused.vjs-has-started.esh-video-container .video-js .vjs-big-play-button{ display:block } .esh-video-container .video-js .vjs-load-progress div,.vjs-seeking .vjs-big-play-button,.vjs-waiting .vjs-big-play-button{ display:none!important } .esh-video-container .video-js .vjs-mouse-display:after,.esh-video-container .video-js .vjs-play-progress:after{ padding:0 .4em .3em!important } .esh-video-container .video-js.vjs-ended .vjs-loading-spinner{ display:none } .esh-video-container .video-js.vjs-ended .vjs-big-play-button{ display:block!important } .esh-video-container .video-js *,.esh-video-container .video-js:after,.esh-video-container .video-js:before{ box-sizing:inherit; font-size:inherit; color:inherit; line-height:inherit } .esh-video-container .video-js.vjs-fullscreen,.esh-video-container .video-js.vjs-fullscreen .vjs-tech{ width:100%!important; height:100%!important } .esh-video-container .video-js{ font-size:14px; overflow:hidden } .esh-video-container .video-js .vjs-control{ color:inherit } .esh-video-container .video-js .vjs-menu-button-inline:hover,.esh-video-container .video-js.vjs-no-flex .vjs-menu-button-inline{ width:8.35em } .esh-video-container .video-js .vjs-volume-menu-button.vjs-volume-menu-button-horizontal:hover .vjs-menu .vjs-menu-content{ height:3em; width:6.35em } .esh-video-container .video-js .vjs-control:focus:before,.esh-video-container .video-js .vjs-control:hover:before{ text-shadow:0 0 1em #fff,0 0 1em #fff,0 0 1em #fff } .esh-video-container .video-js .vjs-spacer,.esh-video-container .video-js .vjs-time-control{ display:flex; flex:1 1 auto } .esh-video-container .video-js .vjs-time-control{ flex:0 1 auto; width:auto; justify-items: center; align-items: center; } .esh-video-container .video-js .vjs-time-control.vjs-time-divider{ width:14px } .esh-video-container .video-js .vjs-time-control.vjs-time-divider div{ width:100%; text-align:center } .esh-video-container .video-js .vjs-time-control.vjs-current-time{ margin-left:1em } .esh-video-container .video-js .vjs-time-control .vjs-current-time-display,.esh-video-container .video-js .vjs-time-control .vjs-duration-display{ width:100% } .esh-video-container .video-js .vjs-time-control .vjs-current-time-display{ text-align:right } .esh-video-container .video-js .vjs-time-control .vjs-duration-display{ text-align:left } .esh-video-container .video-js .vjs-play-progress:before,.esh-video-container .video-js .vjs-progress-control .vjs-play-progress:before,.esh-video-container .video-js .vjs-remaining-time,.esh-video-container .video-js .vjs-volume-level:after,.esh-video-container .video-js .vjs-volume-level:before,.esh-video-container .video-js.vjs-live .vjs-time-control.vjs-current-time,.esh-video-container .video-js.vjs-live .vjs-time-control.vjs-duration,.esh-video-container .video-js.vjs-live .vjs-time-control.vjs-time-divider,.esh-video-container .video-js.vjs-no-flex .vjs-time-control.vjs-remaining-time{ display:none } .esh-video-container .video-js.vjs-no-flex .vjs-time-control{ display:table-cell; width:4em } .esh-video-container .video-js .vjs-progress-control{ position:absolute; left:0; right:0; width:100%; height:.5em; top:-.5em } .esh-video-container .video-js .vjs-progress-control .vjs-load-progress,.esh-video-container .video-js .vjs-progress-control .vjs-play-progress,.esh-video-container .video-js .vjs-progress-control .vjs-progress-holder{ height:100% } .esh-video-container .video-js .vjs-progress-control .vjs-progress-holder{ margin:0 } .esh-video-container .video-js .vjs-progress-control:hover{ height:1.5em; top:-1.5em } .esh-video-container .video-js .vjs-control-bar{ transition:transform .1s ease 0s } .esh-video-container .video-js.not-hover.vjs-has-started.vjs-paused.vjs-user-active .vjs-control-bar,.esh-video-container .video-js.not-hover.vjs-has-started.vjs-paused.vjs-user-inactive .vjs-control-bar,.esh-video-container .video-js.not-hover.vjs-has-started.vjs-playing.vjs-user-active .vjs-control-bar,.esh-video-container .video-js.not-hover.vjs-has-started.vjs-playing.vjs-user-inactive .vjs-control-bar,.esh-video-container .video-js.vjs-has-started.vjs-playing.vjs-user-inactive .vjs-control-bar{ visibility:visible; opacity:1; -webkit-backface-visibility:hidden; transform:translateY(3em); transition:transform 1s ease 0s } .esh-video-container .video-js.not-hover.vjs-has-started.vjs-paused.vjs-user-active .vjs-progress-control,.esh-video-container .video-js.not-hover.vjs-has-started.vjs-paused.vjs-user-inactive .vjs-progress-control,.esh-video-container .video-js.not-hover.vjs-has-started.vjs-playing.vjs-user-active .vjs-progress-control,.esh-video-container .video-js.not-hover.vjs-has-started.vjs-playing.vjs-user-inactive .vjs-progress-control,.esh-video-container .video-js.vjs-has-started.vjs-playing.vjs-user-inactive .vjs-progress-control{ height:.25em; top:-.25em; pointer-events:none; transition:height 1s,top 1s } .esh-video-container .video-js.not-hover.vjs-has-started.vjs-paused.vjs-user-active.vjs-fullscreen .vjs-progress-control,.esh-video-container .video-js.not-hover.vjs-has-started.vjs-paused.vjs-user-inactive.vjs-fullscreen .vjs-progress-control,.esh-video-container .video-js.not-hover.vjs-has-started.vjs-playing.vjs-user-active.vjs-fullscreen .vjs-progress-control,.esh-video-container .video-js.not-hover.vjs-has-started.vjs-playing.vjs-user-inactive.vjs-fullscreen .vjs-progress-control,.esh-video-container .video-js.vjs-has-started.vjs-playing.vjs-user-inactive.vjs-fullscreen .vjs-progress-control{ opacity:0; transition:opacity 1s ease 1s } .esh-video-container .video-js.vjs-live .vjs-live-control{ margin-left:1em } .esh-video-container .video-js .vjs-big-play-button{ top:50%; left:50%; margin-left:-1em; width:2em; border:none; color:#fff; transition:border-color .4s,outline .4s,background-color .4s; background-color:rgba(0,0,0,.5); font-size:3.5em; border-radius:5%; height:1.4em!important; line-height:1.4em!important; margin-top:-.7em!important } .esh-video-container .video-js .vjs-custom-play-button{ top:50%; left:50%; margin-left:-1em; width:2em; border:none; color:#fff; transition:border-color .4s,outline .4s,background-color .4s; background-color:rgba(0,0,0,.5); font-size:3.5em; border-radius:5%; height:1.4em!important; line-height:1.4em!important; margin-top:-.7em!important } .esh-video-container .video-js .vjs-menu-button-popup .vjs-menu{ left:-3em } .esh-video-container .video-js .vjs-menu-button-popup .vjs-menu .vjs-menu-content{ background-color:transparent; width:12em; left:-1.5em; padding-bottom:.5em } .esh-video-container .video-js .vjs-menu-button-popup .vjs-menu .vjs-menu-item,.esh-video-container .video-js .vjs-menu-button-popup .vjs-menu .vjs-menu-title{ background-color:#151b17; margin:.3em 0; padding:.5em; border-radius:.3em } .esh-video-container .video-js .vjs-menu-button-popup .vjs-menu .vjs-menu-item.vjs-selected{ background-color:#2483d5 } .esh-video-container .video-js .vjs-big-play-button:active,.esh-video-container .video-js .vjs-big-play-button:focus,.esh-video-container .video-js:hover .vjs-big-play-button{ background-color:#cc181e } .esh-video-container .video-js .vjs-loading-spinner{ border-color:#cc181e } .esh-video-container .video-js .vjs-control-bar2{ background-color:#000 } .esh-video-container .video-js .vjs-control-bar{ background-color:rgba(0,0,0,.3)!important; color:#fff; font-size:15px } .esh-video-container .video-js .vjs-play-progress,.esh-video-container .video-js .vjs-volume-level{ background-color:#cc181e } .esh-video-container .video-js .vjs-load-progress{ background:rgba(255,255,255,.3) } .esh-video-container .video-js .vjs-poster .vjs-poster img { width: 100%; height: 100%; } .esh-video-container .ima-play-pause-div { display: none !important; } .esh-video-container .ima-mute-div { display: none !important; } .esh-video-container .ima-slider-div { display: none !important; } .esh-video-container .ima-fullscreen-div { display: none !important; } .vjs-ad-playing.vjs-ad-playing .vjs-progress-control{pointer-events:none}.vjs-ad-playing.vjs-ad-playing .vjs-play-progress{background-color:#ffe400}.vjs-ad-loading .vjs-loading-spinner{display:block;visibility:visible}.vjs-ad-playing .vjs-captions-button{display:none}.vjs-ad-playing .vjs-audio-button{display:none}.vjs-ad-loading .vjs-loading-spinner:before,.vjs-ad-loading .vjs-loading-spinner:after{-webkit-animation:vjs-spinner-spin 1.1s cubic-bezier(0.6, 0.2, 0, 0.8) infinite,vjs-spinner-fade 1.1s linear infinite;animation:vjs-spinner-spin 1.1s cubic-bezier(0.6, 0.2, 0, 0.8) infinite,vjs-spinner-fade 1.1s linear infinite}.vjs-ad-loading .vjs-loading-spinner:before{border-top-color:#fff}.vjs-ad-loading .vjs-loading-spinner:after{border-top-color:#fff;-webkit-animation-delay:0.44s;animation-delay:0.44s}.vjs-ad-loading .vjs-big-play-button,.vjs-ad-loading .vjs-poster,.vjs-ad-content-resuming .vjs-big-play-button,.vjs-ad-content-resuming .vjs-poster{display:none} /** * Copyright 2014 Google Inc. * * Licensed under the Apache License, Version 2.0 (the “License”); * you may not use this file except in compliance with the License. * You may obtain a copy of the License at * * http://www.apache.org/licenses/LICENSE-2.0 * * Unless required by applicable law or agreed to in writing, software * distributed under the License is distributed on an “AS IS” BASIS, * WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied. * See the License for the specific language governing permissions and * limitations under the License. */ .ima-ad-container { top: 0em; position: absolute; display: none; width: 100%; height: 100%; } /* Move overlay if user fast-clicks play button. */ .video-js.vjs-playing .bumpable-ima-ad-container { margin-top: -4em; } /* Move overlay when controls are active. */ .video-js.vjs-user-inactive.vjs-playing .bumpable-ima-ad-container { margin-top: 0em; } .video-js.vjs-paused .bumpable-ima-ad-container, .video-js.vjs-playing:hover .bumpable-ima-ad-container, .video-js.vjs-user-active.vjs-playing .bumpable-ima-ad-container { margin-top: -4em; } .ima-controls-div { bottom: 0em; height: 1.4em; position: absolute; overflow: hidden; display: none; opacity: 1; background-color: rgba(7, 20, 30, .7); background: -moz-linear-gradient( bottom, rgba(7, 20, 30, .7) 0%, rgba(7, 20, 30, 0) 100%); /* FF3.6+ */ background: -webkit-gradient( linear, left bottom, left top, color-stop(0%,rgba(7, 20, 30, .7)), color-stop(100%,rgba(7, 20, 30, 0))); /* Chrome,Safari4+ */ background: -webkit-linear-gradient( bottom, rgba(7, 20, 30, .7) 0%, rgba(7, 20, 30, 0) 100%); /* Chrome10+,Safari5.1+ */ background: -o-linear-gradient(bottom, rgba(7, 20, 30, .7) 0%, rgba(7, 20, 30, 0) 100%); /* Opera 11.10+ */ background: -ms-linear-gradient(bottom, rgba(7, 20, 30, .7) 0%, rgba(7, 20, 30, 0) 100%); /* IE10+ */ background: linear-gradient(to top, rgba(7, 20, 30, .7) 0%, rgba(7, 20, 30, 0) 100%); /* W3C */ filter: progid:DXImageTransform.Microsoft.gradient( startColorstr=’#0007141E’, endColorstr=’#07141E’,GradientType=0 ); /* IE6-9 */ } .ima-controls-div.ima-controls-div-showing { height: 3.7em; } .ima-countdown-div { height: 1em; color: #FFFFFF; text-shadow: 0 0 0.2em #000; cursor: default; } .ima-seek-bar-div { top: 1.2em; height: 0.3em; position: absolute; background: rgba(255, 255, 255, .4); } .ima-progress-div { width: 0em; height: 0.3em; background-color: #ECC546; } .ima-play-pause-div, .ima-mute-div, .ima-slider-div, .ima-fullscreen-div { width: 2.33em; height: 1.33em; top: 0.733em; left: 0em; position: absolute; color: #CCCCCC; font-size: 1.5em; line-height: 2; text-align: center; font-family: VideoJS; cursor: pointer; } .ima-mute-div { left: auto; right: 5.667em; } .ima-slider-div { left: auto; right: 2.33em; width: 3.33em; height: 0.667em; top: 1.33em; background-color: #555555; } .ima-slider-level-div { width: 100%; height: 0.667em; background-color: #ECC546; } .ima-fullscreen-div { left: auto; right: 0em; } .ima-playing:before { content: “0f103”; } .ima-paused:before { content: “0f101”; } .ima-playing:hover:before, .ima-paused:hover:before { text-shadow: 0 0 1em #fff; } .ima-non-muted:before { content: “0f107”; } .ima-muted:before { content: “0f104”; } .ima-non-muted:hover:before, .ima-muted:hover:before { text-shadow: 0 0 1em #fff; } .ima-non-fullscreen:before { content: “0f108”; } .ima-fullscreen:before { content: “0f109”; } .ima-non-fullscreen:hover:before, .ima-fullscreen:hover:before { text-shadow: 0 0 1em #fff; }
<!– –>
Özel Haber
Son birkaç yıldır gerek ABD Merkez Bankası (Fed) gerek Avrupa Merkez Bankası (ECB), gerekse Türkiye Cumhuriyet Merkez Bankası (TCMB) dahil merkez bankalarının politika faizleri gündemde kalmaya devam ediyor.
Sadece ekonomi dünyası değil toplumun tüm kesimleri faiz oranlarıyla yakından ilgili.
Politika faizi ile mevduat faizi arasındaki ilişkinin nasıl bir terazide olduğu bilgisi giderek daha çok önem kazanıyor.
ŞU AN KULLANILAN FAİZ ORANI
Şu anda TCMB politika faizi yüzde 50 iken, bankalardaki mevduat faizi ise bankalarda yüzde 48’den yüzde 56’ya kadar değişiklik gösteriyor.
“PARANIN GETİRİSİ FAİZ”
TCMB’nin açıkladığı politika faiz oranlarıyla mevduat faizleri arasındaki ilişkiyi kavramak açısından bilgisine başvurduğumuz Hazine ve Maliye Bakanı Vergi Konseyi Üyesi Prof. Dr. Ersan Öz, ise Ensonhaber’in sorularını şöyle yanıtladı:
Faiz nedir?
Faiz, en kısa açıklamayla paranın getirisi. Ama başka manaları da var tabi. Örneğin biri borç veriyor, borcu alan belli vade sonunda borç aldığı kişiye belli oranda fazlasıyla geri ödeme yapıyor. Başka bir türünde ise, fabrikanızda üretim yapacaksınız, öz kaynaklarınız yetmiyorsa sermayeye ihtiyaç var, bankadan 1.000 birim kredi alıyorsunuz, belli vade sonunda 1.200 brim geri ödüyorsunuz, aradaki 200 birim; faiz. Parayı yani nakdi, elde tutmanın bedeli faiz.
“POLİTİKA FAİZİ, PARA VE MALİYE POLİTİKASINA DESTEK OLUYOR”
Birçok faiz çeşidi olduğu anlıyoruz. Peki politika faizi nedir?
Merkez bankaları fiyat istikrarını sağlamak ister, para politikalarını çeşitli araçlarla yönetirler, faiz politikası, açık piyasa işlemleri, karşılıklar gibi gerek ekonomiyi soğutarak enflasyona yönelik hedeflere ulaşmada, gerekse bu araçları kullanarak öncelikle para ve tabiiki maliye politikasına destek olmada kullanıyor bu araçları. Politika faizi de bu araçlardan biri.
BİR HAFTA VADELİ REPO İŞLEMLERİNDE UYGULANAN FAİZ ORANI
Merkez Bankası para arzını kontrol etme amaçlı istediği likiditeyi sağlamak amacıyla belirli bir oranda bankalara kredi verirken kullandığı oran politika faizi. Bu faiz oranı belirlenirken enflasyonun mevcut ve gelecekteki görünümüne yönelik tahminler ve raporlamalar çok önemli. Merkez Bankası, bankaların repo taleplerine belirlediği politika faiz oranı paralelinde cevap veriyor. Politika faizi, bir hafta vadeli repo işlemlerinde uygulanan faiz oranı.
“SIKI PARA POLİTİKASI GEREĞİ POLİTİKA FAİZİ YÜKSEK TUTULUYOR”
Repo yapmak isteyen bankalar ellerinde varolan bono ve tahvilleri teminat gösteriyorlar, bunun karşılığında bankaların bankası Merkez Bankası’ndan likit para temin ediyorlar. Piyasada talebin daralması, enflasyonun aşağı çekilmesi gerekiyorsa, sıkı para politikası gereği politika faizi yüksek tutuluyor, bankaların daha az para temin etmesi sağlanıyor, bankaların elinde para az olunca hem piyasaya yönelik kredi muslukları daralıyor, hem bankalar mevduat faiz oranlarını yüksek tutuyorlar ki fon ihtiyaçlarını karşılayabilsinler.
Bu yolla da piyasa likiditesi biraz daha daralmış oluyor ve bu adımların hepsi gerek talebi daraltarak gerek para arzını azaltarak ekonomiyi soğutarak enflasyonun düşmesine yardımcı oluyor. Tabii ciddi manada başka ekonomik etkiler de ortaya çıkıyor, onlar ayrı.
“POLİTİKA FAİZİ İLE MEVDUAT FAİZİ AYRI”
Politika faizi ile mevduat faizi aynı anlama mı gelir?
Hayır aynı anlama gelmez. Mevduat faizlerini bankalar kendileri belirler, para piyasasındaki rekabet koşulları gereği bu oranlar birbirinden farklı olabilir. Bir banka TL veya döviz cinsinden mevduata diğerlerine göre daha yüksek faiz verip kendisine çekmek isteyebilir. Ya da katılım bankaları ‘daha fazla kâr payı oranı uyguluyorum’ diye, açıklayıp fonları kendisinde toplamaya gayret edebilir. Politika faizini ise devlet yani Merkez Bankası belirler. Mevduat faizi veya katılım bankalarındaki katılım hesabı kâr payı oranı sadece ilgili hesaptaki parayı etkilerken politika faizi repo yapılırken teminat olarak toplanan tahvil ve bono çeşitlerine etkisi olur.
“İLK FAİZ İNDİRİMİ OCAK 2025’TE”
Merkez Bankası’nın politika faizini yükseltmesi veya düşürmesinin mevduat faiz oranlarına etkisi nasıl olur?
Malumunuz, ekonomi yönetimini Hazine ve Maliye Bakanı Sayın Mehmet Şimşek’in devralması sonrası, güçlü bir dezenflasyon programı hazırlanarak, ne olursa olsun enflasyonu düşürmek üzere kararlı adımlar atıldı. Bu adımlardan en önemlisi politika faizinin hızlı adımlarla her ay kademeli olarak yüzde 50’ye kadar yükseltilmesi oldu. En son Mart 2024’te yüzde 50’ye yükseltilen faiz 7 aydır sabit tutularak indirime gidilmiyor. Enflasyonda kalıcı düşüşün temin edildiği ve risklerin ortadan kalktığına kanaat edildiğinde Merkez Bankası’nın faiz indirimlerine başlayacağı tahmin ediliyor. Bunun için de beklenti Ocak 2025 olarak gösteriliyor.
“POLİTİKA FAİZİ YÜKSELİRSE MEVDUAT FAİZLERİ YÜKSELİR”
Merkez Bankası politika faizini yükseltir, diğer bir ifadeyle faiz artırımına giderse; ekonomik açıdan daraltıcı bir etki ortaya çıkar. Çünkü politika faizi yükselirse, bankalar Merkez Bankası’ndan daha yüksek faiz oranından daha pahalı borçlanmak zorunda kalır. Bu da mevduat faiz oranlarını yükseltir, tüketim azalır tasarruflar artar. Yerel para değer kazanır, döviz düşer yada sabit kalır, Borsa’da düşme gözlemlenebilir, ihraç mallarına talep azalır. Politika faizinin yükseltilmesiyle bankaların merkez bankasından borçlanma maliyetleri yükseldiğinden, Merkez Bankası’ndan alacakları fonu düşük tutarlar. Piyasada kredi miktarı daralır. Ekonomi soğur, durgunluk hali gözlemlenebilir.
“POLİTİKA FAİZİ DÜŞERSE KREDİ PİYASASI GENİŞLER”
Merkez bankası politika faizini indirirse ne olur? Ekonomik açıdan genişletici bir etki ortaya çıkar. Çünkü politika faizi inerse, bankalar Merkez Bankası’ndan daha düşük faiz oranından daha ucuz fon temin edip borçlanabileceklerdir ve bu da mevduat faiz oranlarını düşürür. Diğer faiz oranlarına da yansır, kredi piyasası genişler, ekonomi ısınır, tüketim artar, tasarruflar azalır, döviz ve Borsa’da yükselme gözlemlenebilir.