{"id":2568,"date":"2024-02-23T11:57:07","date_gmt":"2024-02-23T03:57:07","guid":{"rendered":"https:\/\/www.pzl.sg\/advise\/?page_id=2568"},"modified":"2024-05-16T10:17:10","modified_gmt":"2024-05-16T02:17:10","slug":"process","status":"publish","type":"page","link":"https:\/\/www.pzl.sg\/advise\/process\/","title":{"rendered":"Process"},"content":{"rendered":"<div id=\"tdi_1\" class=\"tdc-zone\"><div class=\"tdc_zone tdi_2  wpb_row td-pb-row\"  >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_2{\r\n                    min-height: 0;\r\n                }\n<\/style><div id=\"tdi_3\" class=\"tdc-row stretch_row_1200 td-stretch-content\"><div class=\"vc_row tdi_4  wpb_row td-pb-row\" >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_4,\r\n                .tdi_4 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_4,\r\n\t\t\t\t.tdi_4 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_4 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_4:before,\r\n\t\t\t\t.tdi_4:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_6  wpb_column vc_column_container tdc-column td-pb-span12\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_6{\r\n                    vertical-align: baseline;\r\n                }.tdi_6 > .wpb_wrapper,\r\n\t\t\t\t.tdi_6 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_6 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_6 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_6 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"wpb_wrapper td_block_empty_space td_block_wrap vc_empty_space tdi_8 \"  style=\"height: 80px\"><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_9\" class=\"tdc-row\"><div class=\"vc_row tdi_10  wpb_row td-pb-row\" >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_10,\r\n                .tdi_10 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_10,\r\n\t\t\t\t.tdi_10 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_10 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_10:before,\r\n\t\t\t\t.tdi_10:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_12  wpb_column vc_column_container tdc-column td-pb-span12\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_12{\r\n                    vertical-align: baseline;\r\n                }.tdi_12 > .wpb_wrapper,\r\n\t\t\t\t.tdi_12 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_12 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_12 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_12 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"td_block_wrap td_block_title tdi_13 td-pb-border-top td_block_template_13 td-fix-index\"  data-td-block-uid=\"tdi_13\" >\n<style>\n.td_block_template_13.widget > ul > li {\r\n                margin-left: 0 !important;\r\n            }\r\n            .global-block-template-13 .td-comments-title span {\r\n                margin-left: 0 !important;\r\n                font-size: 20px;\r\n            }\r\n            @media (max-width: 767px) {\r\n                .global-block-template-13 .td-comments-title span {\r\n                    font-size: 15px;\r\n                }\r\n            }\r\n            .td_block_template_13 .td-related-title a {\r\n                margin-right: 20px;\r\n                font-size: 20px;\r\n            }\r\n            @media (max-width: 767px) {\r\n                .td_block_template_13 .td-related-title a {\r\n                    font-size: 15px;\r\n                }\r\n            }\r\n            .td_block_template_13 .td-related-title .td-cur-simple-item {\r\n                color: var(--td_theme_color, #4db2ec);\r\n            }\r\n            .td_block_template_13 .td-related-title > a.td-related-right {\r\n                margin-left: 0 !important;\r\n            }\r\n            .td_block_template_13 .td-block-title {\r\n                font-size: 26px;\r\n                font-weight: 800;\r\n                margin-bottom: 26px;\r\n                line-height: 26px !important;\r\n                padding: 0;\r\n                letter-spacing: -0.6px;\r\n                margin-top: 36px;\r\n                transform: translateZ(0);\r\n                -webkit-transform: translateZ(0);\r\n                text-align: left;\r\n            }\r\n            .td_block_template_13 .td-block-title a {\r\n                color: #111;\r\n            }\r\n            @media (max-width: 1018px) {\r\n                .td_block_template_13 .td-block-title {\r\n                    font-size: 22px;\r\n                    margin-bottom: 16px;\r\n                    margin-top: 26px;\r\n                }\r\n            }\r\n            @media (max-width: 767px) {\r\n                .td_block_template_13 .td-block-title {\r\n                    margin-top: 26px !important;\r\n                    margin-bottom: 16px !important;\r\n                }\r\n            }\r\n            .td_block_template_13 .td-block-title > a,\r\n            .td_block_template_13 .td-block-title > span {\r\n                margin-left: 12px;\r\n                color: var(--td_text_header_color, #111);\r\n            }\r\n            @media (max-width: 767px) {\r\n                .td_block_template_13 .td-block-title > a,\r\n                .td_block_template_13 .td-block-title > span {\r\n                    margin-left: 12px !important;\r\n                }\r\n            }\r\n            .td_block_template_13 .td-subcat-filter {\r\n                line-height: 1;\r\n                display: table;\r\n            }\r\n            .td_block_template_13 .td-subcat-dropdown .td-subcat-more {\r\n                margin-bottom: 8px !important;\r\n                margin-top: 7px;\r\n            }\r\n            .td_block_template_13 .td-pulldown-category {\r\n                font-family: var(--td_default_google_font_2, 'Roboto', sans-serif);\r\n                font-size: 14px;\r\n                line-height: 26px !important;\r\n                color: #444;\r\n                font-weight: 500;\r\n                position: absolute;\r\n                right: 0;\r\n                bottom: -2px;\r\n                top: 0;\r\n                margin: auto 0;\r\n                display: table;\r\n            }\r\n            .td_block_template_13 .td-pulldown-category span {\r\n                display: inline-block;\r\n                -webkit-transition: transform 0.5s ease;\r\n                transition: transform 0.5s ease;\r\n            }\r\n            @media (max-width: @responsive_p_phone_max) {\r\n                .td_block_template_13 .td-pulldown-category span {\r\n                    display: none;\r\n                }\r\n            }\r\n            .td_block_template_13 .td-pulldown-category i {\r\n                font-size: 10px;\r\n                margin-left: 10px;\r\n            }\r\n            .td_block_template_13 .td-pulldown-category:hover {\r\n                opacity: 0.9;\r\n            }\r\n            .td_block_template_13 .td-pulldown-category:hover span {\r\n                transform: translate3d(-6px, 0, 0);\r\n                -webkit-transform: translate3d(-6px, 0, 0);\r\n            }\r\n            .td_block_template_13 .td-block-subtitle {\r\n                font-size: 90px;\r\n                text-transform: uppercase;\r\n                position: absolute;\r\n                left: -4px;\r\n                z-index: -1;\r\n                bottom: -20px;\r\n                white-space: nowrap;\r\n                color: #f3f3f3;\r\n                line-height: 1;\r\n            }\r\n            @media (min-width: 768px) and (max-width: 1018px) {\r\n                .td_block_template_13 .td-block-subtitle {\r\n                    font-size: 70px;\r\n                    bottom: -15px;\r\n                }\r\n            }\r\n            @media (max-width: 767px) {\r\n                .td_block_template_13 .td-block-subtitle {\r\n                    font-size: 60px;\r\n                    bottom: -12px;\r\n                }\r\n            }\r\n            .td_block_template_13 .td-title-align {\r\n                margin-top: 0 !important;\r\n            }\r\n            .td_block_template_13 .td-title-align  > a,\r\n            .td_block_template_13 .td-title-align > span {\r\n                margin-left: 0 !important;\r\n            }\r\n            @media (min-width: 768px) and (max-width: 1018px) {\r\n                .td-pb-span4 .td_block_template_13 .td-pulldown-category span {\r\n                    display: none;\r\n                }\r\n            }\r\n            @media (min-width: 768px) {\r\n                .td-pb-span4 .td_block_template_13 .td-block-subtitle {\r\n                    display: none;\r\n                }\r\n            }\r\n            .td-pb-span4 .td_block_template_13 .td-block-title {\r\n                margin-top: 0;\r\n            }\r\n            .td-pb-span4 .td_block_template_13 .td-block-title * > {\r\n                margin-left: 0;\r\n            }\r\n            .td-pb-span12 .td_block_template_13 .td-block-title {\r\n                margin-bottom: 40px;\r\n            }\r\n            @media (min-width: 768px) and (max-width: 1018px) {\r\n                .td-pb-span12 .td_block_template_13 .td-block-title {\r\n                    margin-bottom: 26px;\r\n                }\r\n            }\r\n\r\n            \r\n\r\n            \r\n            .tdi_13 .td-block-title > a,\r\n            .tdi_13 .td-block-title > span {\r\n                color: #143659 !important;\r\n            }\r\n\r\n            \r\n            .tdi_13 .td-block-subtitle {\r\n                color: #f7f7f7 !important;\r\n            }\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_13 .td-block-title a,\r\n\t\t\t\tbody .tdi_13 .td-block-title span{\r\n\t\t\t\t\tline-height:1 !important;font-weight:500 !important;\r\n\t\t\t\t}\n<\/style><div class=\"td-block-title-wrap\"><h1 class=\"td-block-title\"><span>How We Work Together<\/span><div class=\"td-block-subtitle\">PROCESS<\/div><\/h1><\/div><\/div><div class=\"wpb_wrapper wpb_text_column td_block_wrap td_block_wrap vc_column_text tdi_14  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_14\" >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.vc_column_text > .td-element-style{\r\n\t\t\t\t\tz-index: -1;\r\n\t\t\t\t}\n<\/style><div class=\"td-fix-index\"><p>Here is a broad overview on what you may expect from engaging my professional service. In most cases, we will take about 1 to 2 months to complete the entire review and planning process. During this period, we will communicate through emails and video conferences.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_15\" class=\"tdc-row\"><div class=\"vc_row tdi_16  wpb_row td-pb-row\" >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_16,\r\n                .tdi_16 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_16,\r\n\t\t\t\t.tdi_16 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_16 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_16:before,\r\n\t\t\t\t.tdi_16:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_18  wpb_column vc_column_container tdc-column td-pb-span4\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_18{\r\n                    vertical-align: baseline;\r\n                }.tdi_18 > .wpb_wrapper,\r\n\t\t\t\t.tdi_18 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_18 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_18 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_18 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"tdm_block td_block_wrap tdm_block_icon_box tdi_19 tdm-content-horiz-center tds_icon_box1_wrap td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_19\" >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tds_icon_box1_wrap .icon_box_url_wrap{\r\n                  display: block;\r\n                  position: absolute;\r\n                  top: 0;\r\n                  left: 0;\r\n                  width: 100%;\r\n                  height: 100%;\r\n                }.tdi_20 .tds-title{\r\n\t\t\t\t    margin-top: 20px;\r\n\t\t\t\t\r\n\t\t\t\t    margin-bottom: -10px;\r\n\t\t\t\t}.tdi_20 .tdm-descr{\r\n\t\t\t\t    margin-bottom: 30px;\t\t\t\t  \r\n\t\t\t\t}\n<\/style><div class=\"tds-icon-box tds-icon-box1 td-fix-index tdi_20\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_21{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t}.tdi_21:before{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t}\n\n\/* landscape *\/\n@media (min-width: 1019px) and (max-width: 1140px){\n\n}\n\n\/* portrait *\/\n@media (min-width: 768px) and (max-width: 1018px){\n\n}\n\n\/* phone *\/\n@media (max-width: 767px){\n\n}\n<\/style><i class=\"tds-icon tdc-font-tdmp tdc-font-tdmp-old-phone tdi_21 td-fix-index \"><\/i><div class=\"tds-title tds-title1 td-fix-index tdi_22 \"><h3 class=\"tdm-title tdm-title-md\">1. Phone Call<\/h3><\/div><p class=\"tdm-descr td-fix-index\">We arrange a time to speak over the phone. This helps us to determine whether we will work well with each other.<\/p><\/div><style>.tdm_block_icon_box .tds-icon-svg svg{\r\n\t\t\t        display: block;\r\n\t\t\t    }.tdm_block_icon_box .tdm-descr{\r\n                  font-size: 14px;\r\n                  line-height: 24px;\r\n                  -webkit-transition: color 0.2s ease;\r\n                  transition: color 0.2s ease;\r\n                }.tdi_19 .tds-icon-box .tds-icon{\r\n\t\t\t\t    font-size: 80px;\r\n\t\t\t\t    text-align: center;\r\n\t\t\t\t\r\n\t\t\t\t    width: 80px;\r\n\t\t\t\t    height: 80px;\r\n\t\t\t\t    line-height: 80px;\r\n\t\t\t\t}.tdi_19 .tds-icon-svg-wrap{\r\n\t\t\t\t    margin: 0 auto;\r\n\t\t\t\t}<\/style><\/div><div class=\"wpb_wrapper td_block_empty_space td_block_wrap vc_empty_space tdi_24 \"  style=\"height: 32px\"><\/div><\/div><\/div><div class=\"vc_column tdi_26  wpb_column vc_column_container tdc-column td-pb-span4\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_26{\r\n                    vertical-align: baseline;\r\n                }.tdi_26 > .wpb_wrapper,\r\n\t\t\t\t.tdi_26 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_26 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_26 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_26 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"tdm_block td_block_wrap tdm_block_icon_box tdi_27 tdm-content-horiz-center tds_icon_box1_wrap td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_27\" >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_28 .tds-title{\r\n\t\t\t\t    margin-top: 20px;\r\n\t\t\t\t\r\n\t\t\t\t    margin-bottom: -10px;\r\n\t\t\t\t}.tdi_28 .tdm-descr{\r\n\t\t\t\t    margin-bottom: 30px;\t\t\t\t  \r\n\t\t\t\t}\n<\/style><div class=\"tds-icon-box tds-icon-box1 td-fix-index tdi_28\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_29{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t}.tdi_29:before{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t}\n\n\/* landscape *\/\n@media (min-width: 1019px) and (max-width: 1140px){\n\n}\n\n\/* portrait *\/\n@media (min-width: 768px) and (max-width: 1018px){\n\n}\n\n\/* phone *\/\n@media (max-width: 767px){\n\n}\n<\/style><i class=\"tds-icon tdc-font-tdmp tdc-font-tdmp-support-dialog tdi_29 td-fix-index \"><\/i><div class=\"tds-title tds-title1 td-fix-index tdi_30 \"><h3 class=\"tdm-title tdm-title-md\">2. Engagement<\/h3><\/div><p class=\"tdm-descr td-fix-index\">We feel confident about working with each other and you decide that we shall work together on your goals.<\/p><\/div><style>.tdi_27 .tds-icon-box .tds-icon{\r\n\t\t\t\t    font-size: 80px;\r\n\t\t\t\t    text-align: center;\r\n\t\t\t\t\r\n\t\t\t\t    width: 80px;\r\n\t\t\t\t    height: 80px;\r\n\t\t\t\t    line-height: 80px;\r\n\t\t\t\t}.tdi_27 .tds-icon-svg-wrap{\r\n\t\t\t\t    margin: 0 auto;\r\n\t\t\t\t}<\/style><\/div><\/div><\/div><div class=\"vc_column tdi_32  wpb_column vc_column_container tdc-column td-pb-span4\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_32{\r\n                    vertical-align: baseline;\r\n                }.tdi_32 > .wpb_wrapper,\r\n\t\t\t\t.tdi_32 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_32 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_32 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_32 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"tdm_block td_block_wrap tdm_block_icon_box tdi_33 tdm-content-horiz-center tds_icon_box1_wrap td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_33\" >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_34 .tds-title{\r\n\t\t\t\t    margin-top: 20px;\r\n\t\t\t\t\r\n\t\t\t\t    margin-bottom: -10px;\r\n\t\t\t\t}.tdi_34 .tdm-descr{\r\n\t\t\t\t    margin-bottom: 30px;\t\t\t\t  \r\n\t\t\t\t}\n<\/style><div class=\"tds-icon-box tds-icon-box1 td-fix-index tdi_34\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_35{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t}.tdi_35:before{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t}\n\n\/* landscape *\/\n@media (min-width: 1019px) and (max-width: 1140px){\n\n}\n\n\/* portrait *\/\n@media (min-width: 768px) and (max-width: 1018px){\n\n}\n\n\/* phone *\/\n@media (max-width: 767px){\n\n}\n<\/style><i class=\"tds-icon tdc-font-tdmp tdc-font-tdmp-paper-plane tdi_35 td-fix-index \"><\/i><div class=\"tds-title tds-title1 td-fix-index tdi_36 \"><h3 class=\"tdm-title tdm-title-md\">3. Email<\/h3><\/div><p class=\"tdm-descr td-fix-index\">Based on your goals, I will send you an email with a todo list and a timeline on what to expect from this engagement.<\/p><\/div><style>.tdi_33 .tds-icon-box .tds-icon{\r\n\t\t\t\t    font-size: 80px;\r\n\t\t\t\t    text-align: center;\r\n\t\t\t\t\r\n\t\t\t\t    width: 80px;\r\n\t\t\t\t    height: 80px;\r\n\t\t\t\t    line-height: 80px;\r\n\t\t\t\t}.tdi_33 .tds-icon-svg-wrap{\r\n\t\t\t\t    margin: 0 auto;\r\n\t\t\t\t}<\/style><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_37\" class=\"tdc-row\"><div class=\"vc_row tdi_38  wpb_row td-pb-row\" >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_38,\r\n                .tdi_38 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_38,\r\n\t\t\t\t.tdi_38 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_38 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_38:before,\r\n\t\t\t\t.tdi_38:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_40  wpb_column vc_column_container tdc-column td-pb-span4\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_40{\r\n                    vertical-align: baseline;\r\n                }.tdi_40 > .wpb_wrapper,\r\n\t\t\t\t.tdi_40 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_40 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_40 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_40 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"tdm_block td_block_wrap tdm_block_icon_box tdi_41 tdm-content-horiz-center tds_icon_box1_wrap td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_41\" >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_42 .tds-title{\r\n\t\t\t\t    margin-top: 20px;\r\n\t\t\t\t\r\n\t\t\t\t    margin-bottom: -10px;\r\n\t\t\t\t}.tdi_42 .tdm-descr{\r\n\t\t\t\t    margin-bottom: 30px;\t\t\t\t  \r\n\t\t\t\t}\n<\/style><div class=\"tds-icon-box tds-icon-box1 td-fix-index tdi_42\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_43{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t}.tdi_43:before{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t}\n\n\/* landscape *\/\n@media (min-width: 1019px) and (max-width: 1140px){\n\n}\n\n\/* portrait *\/\n@media (min-width: 768px) and (max-width: 1018px){\n\n}\n\n\/* phone *\/\n@media (max-width: 767px){\n\n}\n<\/style><i class=\"tds-icon tdc-font-tdmp tdc-font-tdmp-cloud tdi_43 td-fix-index \"><\/i><div class=\"tds-title tds-title1 td-fix-index tdi_44 \"><h3 class=\"tdm-title tdm-title-md\">4. Organising the Data<\/h3><\/div><p class=\"tdm-descr td-fix-index\">We wait for you to organise all the data that we need in order to conduct a comprehensive review.<\/p><\/div><style>.tdi_41 .tds-icon-box .tds-icon{\r\n\t\t\t\t    font-size: 80px;\r\n\t\t\t\t    text-align: center;\r\n\t\t\t\t\r\n\t\t\t\t    width: 80px;\r\n\t\t\t\t    height: 80px;\r\n\t\t\t\t    line-height: 80px;\r\n\t\t\t\t}.tdi_41 .tds-icon-svg-wrap{\r\n\t\t\t\t    margin: 0 auto;\r\n\t\t\t\t}<\/style><\/div><\/div><\/div><div class=\"vc_column tdi_46  wpb_column vc_column_container tdc-column td-pb-span4\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_46{\r\n                    vertical-align: baseline;\r\n                }.tdi_46 > .wpb_wrapper,\r\n\t\t\t\t.tdi_46 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_46 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_46 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_46 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"tdm_block td_block_wrap tdm_block_icon_box tdi_47 tdm-content-horiz-center tds_icon_box1_wrap td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_47\" >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_48 .tds-title{\r\n\t\t\t\t    margin-top: 20px;\r\n\t\t\t\t\r\n\t\t\t\t    margin-bottom: -10px;\r\n\t\t\t\t}.tdi_48 .tdm-descr{\r\n\t\t\t\t    margin-bottom: 30px;\t\t\t\t  \r\n\t\t\t\t}\n<\/style><div class=\"tds-icon-box tds-icon-box1 td-fix-index tdi_48\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_49{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t}.tdi_49:before{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t}\n\n\/* landscape *\/\n@media (min-width: 1019px) and (max-width: 1140px){\n\n}\n\n\/* portrait *\/\n@media (min-width: 768px) and (max-width: 1018px){\n\n}\n\n\/* phone *\/\n@media (max-width: 767px){\n\n}\n<\/style><i class=\"tds-icon tdc-font-tdmp tdc-font-tdmp-magic-wand tdi_49 td-fix-index \"><\/i><div class=\"tds-title tds-title1 td-fix-index tdi_50 \"><h3 class=\"tdm-title tdm-title-md\">5. Analysis<\/h3><\/div><p class=\"tdm-descr td-fix-index\">We start working on the data that you have provided and I will write a report that is based on our findings.<\/p><\/div><style>.tdi_47 .tds-icon-box .tds-icon{\r\n\t\t\t\t    font-size: 80px;\r\n\t\t\t\t    text-align: center;\r\n\t\t\t\t\r\n\t\t\t\t    width: 80px;\r\n\t\t\t\t    height: 80px;\r\n\t\t\t\t    line-height: 80px;\r\n\t\t\t\t}.tdi_47 .tds-icon-svg-wrap{\r\n\t\t\t\t    margin: 0 auto;\r\n\t\t\t\t}<\/style><\/div><\/div><\/div><div class=\"vc_column tdi_52  wpb_column vc_column_container tdc-column td-pb-span4\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_52{\r\n                    vertical-align: baseline;\r\n                }.tdi_52 > .wpb_wrapper,\r\n\t\t\t\t.tdi_52 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_52 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_52 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_52 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"tdm_block td_block_wrap tdm_block_icon_box tdi_53 tdm-content-horiz-center tds_icon_box1_wrap td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_53\" >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_54 .tds-title{\r\n\t\t\t\t    margin-top: 20px;\r\n\t\t\t\t\r\n\t\t\t\t    margin-bottom: -10px;\r\n\t\t\t\t}.tdi_54 .tdm-descr{\r\n\t\t\t\t    margin-bottom: 30px;\t\t\t\t  \r\n\t\t\t\t}\n<\/style><div class=\"tds-icon-box tds-icon-box1 td-fix-index tdi_54\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_55{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t}.tdi_55:before{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t}\n\n\/* landscape *\/\n@media (min-width: 1019px) and (max-width: 1140px){\n\n}\n\n\/* portrait *\/\n@media (min-width: 768px) and (max-width: 1018px){\n\n}\n\n\/* phone *\/\n@media (max-width: 767px){\n\n}\n<\/style><i class=\"tds-icon tdc-font-tdmp tdc-font-tdmp-bulb-idea tdi_55 td-fix-index \"><\/i><div class=\"tds-title tds-title1 td-fix-index tdi_56 \"><h3 class=\"tdm-title tdm-title-md\">6. Review<\/h3><\/div><p class=\"tdm-descr td-fix-index\">We will arrange a video call to go through the findings and I will suggest actionable steps that you may undertake to work towards your goals.<\/p><\/div><style>.tdi_53 .tds-icon-box .tds-icon{\r\n\t\t\t\t    font-size: 80px;\r\n\t\t\t\t    text-align: center;\r\n\t\t\t\t\r\n\t\t\t\t    width: 80px;\r\n\t\t\t\t    height: 80px;\r\n\t\t\t\t    line-height: 80px;\r\n\t\t\t\t}.tdi_53 .tds-icon-svg-wrap{\r\n\t\t\t\t    margin: 0 auto;\r\n\t\t\t\t}<\/style><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_57\" class=\"tdc-row\"><div class=\"vc_row tdi_58  wpb_row td-pb-row\" >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_58,\r\n                .tdi_58 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_58,\r\n\t\t\t\t.tdi_58 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_58 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_58:before,\r\n\t\t\t\t.tdi_58:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_58{\njustify-content:center !important;\ntext-align:center !important;\n}\n\n.tdi_58 .td_block_wrap{ text-align:left }\n\n<\/style><div class=\"vc_column tdi_60  wpb_column vc_column_container tdc-column td-pb-span12\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_60{\r\n                    vertical-align: baseline;\r\n                }.tdi_60 > .wpb_wrapper,\r\n\t\t\t\t.tdi_60 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_60 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_60 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_60 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"tdm_block td_block_wrap tdm_block_button tdi_61 tdm-block-button-inline tdm-content-horiz-left td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_61\"     >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdm_block.tdm_block_button{\r\n                  margin-bottom: 0;\r\n                }.tdm_block.tdm_block_button .tds-button{\r\n                  line-height: 0;\r\n                }.tdm_block.tdm_block_button.tdm-block-button-inline{\r\n                  display: inline-block;\r\n                }.tdm_block.tdm_block_button.tdm-block-button-full,\r\n                .tdm_block.tdm_block_button.tdm-block-button-full .tdm-btn{\r\n                  display: block;\r\n                }\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_62{\r\n\t\t\t\t\tbackground-color: #7ca74e;\r\n\t\t\t\t}body .tdi_62:before{\r\n\t\t\t\t\tbackground-color: #143659;\r\n\t\t\t\t}body .tdi_62:hover:before{\r\n\t\t\t\t\topacity: 1;\r\n\t\t\t\t}.tdi_62,\r\n\t\t\t\t.tdi_62:before{\r\n\t\t\t\t\tborder-radius: 5px;\r\n\t\t\t\t}.tdi_62{\r\n\t\t\t\t\tletter-spacing:0.5px !important;\r\n\t\t\t\t}\n<\/style><div class=\"tds-button td-fix-index\"><a \r\n                href=\"https:\/\/www.pzl.sg\/advise\/faq\/\" \r\n                 title=\"HONEST FACTS ABOUT MY WORK\"\r\n                class=\"tds-button1 tdm-btn tdm-btn-lg tdi_62 \" ><span class=\"tdm-btn-text\">HONEST FACTS ABOUT MY WORK<\/span><\/a><\/div><\/div><div class=\"wpb_wrapper td_block_empty_space td_block_wrap vc_empty_space tdi_64 \"  style=\"height: 50px\"><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_65\" class=\"tdc-row\"><div class=\"vc_row tdi_66  wpb_row td-pb-row\" >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_66,\r\n                .tdi_66 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_66,\r\n\t\t\t\t.tdi_66 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_66 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_66:before,\r\n\t\t\t\t.tdi_66:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_68  wpb_column vc_column_container tdc-column td-pb-span12\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_68{\r\n                    vertical-align: baseline;\r\n                }.tdi_68 > .wpb_wrapper,\r\n\t\t\t\t.tdi_68 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_68 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_68 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_68 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"td_block_wrap td_block_title tdi_69 td-pb-border-top td_block_template_13 td-fix-index\"  data-td-block-uid=\"tdi_69\" >\n<style>\n.tdi_69 .td-block-title > a,\r\n            .tdi_69 .td-block-title > span {\r\n                color: #143659 !important;\r\n            }\r\n\r\n            \r\n            .tdi_69 .td-block-subtitle {\r\n                color: #f7f7f7 !important;\r\n            }\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_69 .td-block-title a,\r\n\t\t\t\tbody .tdi_69 .td-block-title span{\r\n\t\t\t\t\tline-height:1 !important;font-weight:500 !important;\r\n\t\t\t\t}\n<\/style><div class=\"td-block-title-wrap\"><h1 class=\"td-block-title\"><span>Why Fee-Based<\/span><div class=\"td-block-subtitle\">PURPOSE<\/div><\/h1><\/div><\/div><div class=\"wpb_wrapper wpb_text_column td_block_wrap td_block_wrap vc_column_text tdi_70  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_70\" ><div class=\"td-fix-index\"><p style=\"text-align: justify;\">I used to work for one of the largest tied Agency Force in Singapore. By and large, my remuneration comes solely in the form of commission paid by the insurer. To clarify, this means that the more policies I sell, the more commission the insurer pays me. As much as I strive to provide responsible financial advice to my clients, my KPI is still solely based on the number of policies sold. As a result, there is inevitably a potential conflict of interest &#8211; am I acting in the insurer&#8217;s or in your best interest?<\/p>\n<p style=\"text-align: justify;\">After knowing what an insurer wants and what a client needs, I decided to become a fee-based Financial Advisor at an Independent Financial Advisory firm. Consequently, you are the one who sets and pays my salary now. In other words, my KPI is no longer sales-driven. Instead, I&#8217;m able to focus on providing you with honest advice that acts in your best interest only. After all, financial planning is never about buying insurance policies alone. By and large, it is more about how to manage money wisely to help you to achieve your goals in a way such that you can lead a fulfilling and meaningful life.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_71\" class=\"tdc-row\"><div class=\"vc_row tdi_72  wpb_row td-pb-row\" >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_72,\r\n                .tdi_72 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_72,\r\n\t\t\t\t.tdi_72 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_72 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_72:before,\r\n\t\t\t\t.tdi_72:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_72{\njustify-content:center !important;\ntext-align:center !important;\n}\n\n.tdi_72 .td_block_wrap{ text-align:left }\n\n<\/style><div class=\"vc_column tdi_74  wpb_column vc_column_container tdc-column td-pb-span12\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_74{\r\n                    vertical-align: baseline;\r\n                }.tdi_74 > .wpb_wrapper,\r\n\t\t\t\t.tdi_74 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_74 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_74 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_74 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"tdm_block td_block_wrap tdm_block_button tdi_75 tdm-block-button-inline tdm-content-horiz-left td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_75\"     >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_76{\r\n\t\t\t\t\tbackground-color: #7ca74e;\r\n\t\t\t\t}body .tdi_76:before{\r\n\t\t\t\t\tbackground-color: #143659;\r\n\t\t\t\t}body .tdi_76:hover:before{\r\n\t\t\t\t\topacity: 1;\r\n\t\t\t\t}.tdi_76,\r\n\t\t\t\t.tdi_76:before{\r\n\t\t\t\t\tborder-radius: 5px;\r\n\t\t\t\t}.tdi_76{\r\n\t\t\t\t\tletter-spacing:0.5px !important;\r\n\t\t\t\t}\n<\/style><div class=\"tds-button td-fix-index\"><a \r\n                href=\"https:\/\/www.pzl.sg\/advise\/philosophy\/\" \r\n                 title=\"LEARN ABOUT MY PHILOSOPHY\"\r\n                class=\"tds-button1 tdm-btn tdm-btn-lg tdi_76 \" ><span class=\"tdm-btn-text\">LEARN ABOUT MY PHILOSOPHY<\/span><\/a><\/div><\/div><div class=\"wpb_wrapper td_block_empty_space td_block_wrap vc_empty_space tdi_78 \"  style=\"height: 50px\"><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_79\" class=\"tdc-row\"><div class=\"vc_row tdi_80  wpb_row td-pb-row\" >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_80,\r\n                .tdi_80 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_80,\r\n\t\t\t\t.tdi_80 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_80 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_80:before,\r\n\t\t\t\t.tdi_80:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_80{\njustify-content:center !important;\ntext-align:center !important;\n}\n\n.tdi_80 .td_block_wrap{ text-align:left }\n\n<\/style><div class=\"vc_column tdi_82  wpb_column vc_column_container tdc-column td-pb-span12\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_82{\r\n                    vertical-align: baseline;\r\n                }.tdi_82 > .wpb_wrapper,\r\n\t\t\t\t.tdi_82 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_82 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_82 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_82 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"tdm_block td_block_wrap tdm_block_icon tdi_83 tdm-content-horiz-left td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_83\"   >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdm_block_icon.tdm_block{\r\n                  margin-bottom: 0;\r\n                }.tds-icon{\r\n                  position: relative;\r\n                }.tds-icon:after{\r\n                  content: '';\r\n                  width: 100%;\r\n                  height: 100%;\r\n                  left: 0;\r\n                  top: 0;\r\n                  position: absolute;\r\n                  z-index: -1;\r\n                  opacity: 0;\r\n                  -webkit-transition: opacity 0.3s ease;\r\n                  transition: opacity 0.3s ease;\r\n                }.tds-icon svg{\r\n                  display: block;\r\n                }.tdi_83 i{\r\n\t\t\t\t    font-size: 30px;\r\n\t\t\t\t    text-align: center;\r\n\t\t\t\t\r\n\t\t\t\t    width: 48px;\r\n\t\t\t\t    height: 48px;\r\n\t\t\t\t    line-height: 48px;\r\n\t\t\t\t}.tdi_83 i,\r\n\t\t\t\t.tdi_83 .tds-icon-svg-wrap{\r\n\t\t\t\t    position: relative;\r\n\t\t\t\t    top: 0px;\r\n\t\t\t\t}.tdi_83{\r\n\t\t\t\t    display: inline-block;\r\n\t\t\t\t}\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_84{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t}.tdi_84:before{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t\r\n\t\t\t\t\tbackground-color: #f4b33f;\r\n\t\t\t\t\t-webkit-background-clip: text;\r\n\t\t\t\t\t-webkit-text-fill-color: transparent;\r\n\t\t\t\t}html[class*='ie'] .tdi_84:before{\r\n\t\t\t\t    background: none;\r\n\t\t\t\t\tcolor: #f4b33f;\r\n\t\t\t\t}.tdi_84 svg{\r\n\t\t\t\t    fill: #f4b33f;\r\n\t\t\t\t}.tdi_84 svg *{\r\n\t\t\t\t    fill: inherit;\r\n\t\t\t\t}\n\n\/* landscape *\/\n@media (min-width: 1019px) and (max-width: 1140px){\n\n}\n\n\/* portrait *\/\n@media (min-width: 768px) and (max-width: 1018px){\n\n}\n\n\/* phone *\/\n@media (max-width: 767px){\n\n}\n<\/style><i class=\"tds-icon tdc-font-fa tdc-font-fa-star tdi_84 td-fix-index \"><\/i><\/div><div class=\"tdm_block td_block_wrap tdm_block_icon tdi_85 tdm-content-horiz-left td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_85\"   >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_85 i{\r\n\t\t\t\t    font-size: 30px;\r\n\t\t\t\t    text-align: center;\r\n\t\t\t\t\r\n\t\t\t\t    width: 48px;\r\n\t\t\t\t    height: 48px;\r\n\t\t\t\t    line-height: 48px;\r\n\t\t\t\t}.tdi_85 i,\r\n\t\t\t\t.tdi_85 .tds-icon-svg-wrap{\r\n\t\t\t\t    position: relative;\r\n\t\t\t\t    top: 0px;\r\n\t\t\t\t}.tdi_85{\r\n\t\t\t\t    display: inline-block;\r\n\t\t\t\t}\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_86{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t}.tdi_86:before{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t\r\n\t\t\t\t\tbackground-color: #f4b33f;\r\n\t\t\t\t\t-webkit-background-clip: text;\r\n\t\t\t\t\t-webkit-text-fill-color: transparent;\r\n\t\t\t\t}html[class*='ie'] .tdi_86:before{\r\n\t\t\t\t    background: none;\r\n\t\t\t\t\tcolor: #f4b33f;\r\n\t\t\t\t}.tdi_86 svg{\r\n\t\t\t\t    fill: #f4b33f;\r\n\t\t\t\t}.tdi_86 svg *{\r\n\t\t\t\t    fill: inherit;\r\n\t\t\t\t}\n\n\/* landscape *\/\n@media (min-width: 1019px) and (max-width: 1140px){\n\n}\n\n\/* portrait *\/\n@media (min-width: 768px) and (max-width: 1018px){\n\n}\n\n\/* phone *\/\n@media (max-width: 767px){\n\n}\n<\/style><i class=\"tds-icon tdc-font-fa tdc-font-fa-star tdi_86 td-fix-index \"><\/i><\/div><div class=\"tdm_block td_block_wrap tdm_block_icon tdi_87 tdm-content-horiz-left td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_87\"   >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_87 i{\r\n\t\t\t\t    font-size: 30px;\r\n\t\t\t\t    text-align: center;\r\n\t\t\t\t\r\n\t\t\t\t    width: 48px;\r\n\t\t\t\t    height: 48px;\r\n\t\t\t\t    line-height: 48px;\r\n\t\t\t\t}.tdi_87 i,\r\n\t\t\t\t.tdi_87 .tds-icon-svg-wrap{\r\n\t\t\t\t    position: relative;\r\n\t\t\t\t    top: 0px;\r\n\t\t\t\t}.tdi_87{\r\n\t\t\t\t    display: inline-block;\r\n\t\t\t\t}\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_88{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t}.tdi_88:before{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t\r\n\t\t\t\t\tbackground-color: #f4b33f;\r\n\t\t\t\t\t-webkit-background-clip: text;\r\n\t\t\t\t\t-webkit-text-fill-color: transparent;\r\n\t\t\t\t}html[class*='ie'] .tdi_88:before{\r\n\t\t\t\t    background: none;\r\n\t\t\t\t\tcolor: #f4b33f;\r\n\t\t\t\t}.tdi_88 svg{\r\n\t\t\t\t    fill: #f4b33f;\r\n\t\t\t\t}.tdi_88 svg *{\r\n\t\t\t\t    fill: inherit;\r\n\t\t\t\t}\n\n\/* landscape *\/\n@media (min-width: 1019px) and (max-width: 1140px){\n\n}\n\n\/* portrait *\/\n@media (min-width: 768px) and (max-width: 1018px){\n\n}\n\n\/* phone *\/\n@media (max-width: 767px){\n\n}\n<\/style><i class=\"tds-icon tdc-font-fa tdc-font-fa-star tdi_88 td-fix-index \"><\/i><\/div><div class=\"tdm_block td_block_wrap tdm_block_icon tdi_89 tdm-content-horiz-left td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_89\"   >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_89 i{\r\n\t\t\t\t    font-size: 30px;\r\n\t\t\t\t    text-align: center;\r\n\t\t\t\t\r\n\t\t\t\t    width: 48px;\r\n\t\t\t\t    height: 48px;\r\n\t\t\t\t    line-height: 48px;\r\n\t\t\t\t}.tdi_89 i,\r\n\t\t\t\t.tdi_89 .tds-icon-svg-wrap{\r\n\t\t\t\t    position: relative;\r\n\t\t\t\t    top: 0px;\r\n\t\t\t\t}.tdi_89{\r\n\t\t\t\t    display: inline-block;\r\n\t\t\t\t}\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_90{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t}.tdi_90:before{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t\r\n\t\t\t\t\tbackground-color: #f4b33f;\r\n\t\t\t\t\t-webkit-background-clip: text;\r\n\t\t\t\t\t-webkit-text-fill-color: transparent;\r\n\t\t\t\t}html[class*='ie'] .tdi_90:before{\r\n\t\t\t\t    background: none;\r\n\t\t\t\t\tcolor: #f4b33f;\r\n\t\t\t\t}.tdi_90 svg{\r\n\t\t\t\t    fill: #f4b33f;\r\n\t\t\t\t}.tdi_90 svg *{\r\n\t\t\t\t    fill: inherit;\r\n\t\t\t\t}\n\n\/* landscape *\/\n@media (min-width: 1019px) and (max-width: 1140px){\n\n}\n\n\/* portrait *\/\n@media (min-width: 768px) and (max-width: 1018px){\n\n}\n\n\/* phone *\/\n@media (max-width: 767px){\n\n}\n<\/style><i class=\"tds-icon tdc-font-fa tdc-font-fa-star tdi_90 td-fix-index \"><\/i><\/div><div class=\"tdm_block td_block_wrap tdm_block_icon tdi_91 tdm-content-horiz-left td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_91\"   >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_91 i{\r\n\t\t\t\t    font-size: 30px;\r\n\t\t\t\t    text-align: center;\r\n\t\t\t\t\r\n\t\t\t\t    width: 48px;\r\n\t\t\t\t    height: 48px;\r\n\t\t\t\t    line-height: 48px;\r\n\t\t\t\t}.tdi_91 i,\r\n\t\t\t\t.tdi_91 .tds-icon-svg-wrap{\r\n\t\t\t\t    position: relative;\r\n\t\t\t\t    top: 0px;\r\n\t\t\t\t}.tdi_91{\r\n\t\t\t\t    display: inline-block;\r\n\t\t\t\t}\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_92{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t}.tdi_92:before{\r\n\t\t\t\t    -webkit-transition: all 0.2s ease;\r\n                    -moz-transition: all 0.2s ease;\r\n                    -o-transition: all 0.2s ease;\r\n                    transition: all 0.2s ease;\r\n\t\t\t\t\r\n\t\t\t\t\tbackground-color: #f4b33f;\r\n\t\t\t\t\t-webkit-background-clip: text;\r\n\t\t\t\t\t-webkit-text-fill-color: transparent;\r\n\t\t\t\t}html[class*='ie'] .tdi_92:before{\r\n\t\t\t\t    background: none;\r\n\t\t\t\t\tcolor: #f4b33f;\r\n\t\t\t\t}.tdi_92 svg{\r\n\t\t\t\t    fill: #f4b33f;\r\n\t\t\t\t}.tdi_92 svg *{\r\n\t\t\t\t    fill: inherit;\r\n\t\t\t\t}\n\n\/* landscape *\/\n@media (min-width: 1019px) and (max-width: 1140px){\n\n}\n\n\/* portrait *\/\n@media (min-width: 768px) and (max-width: 1018px){\n\n}\n\n\/* phone *\/\n@media (max-width: 767px){\n\n}\n<\/style><i class=\"tds-icon tdc-font-fa tdc-font-fa-star tdi_92 td-fix-index \"><\/i><\/div><div class=\"tdm_block td_block_wrap tdm_block_column_title tdi_93 tdm-content-horiz-left td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_93\" >\n<style>\n\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_93{\njustify-content:center !important;\ntext-align:center !important;\n}\n\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdm_block_column_title{\r\n                  margin-bottom: 0;\r\n                  display: inline-block;\r\n                  width: 100%;\r\n                }\n<\/style><div class=\"td-block-row\"><div class=\"td-block-span12 tdm-col\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_94 .tdm-title{\r\n\t\t\t\t\tfont-size:30px !important;line-height:32px !important;font-weight:700 !important;\r\n\t\t\t\t}\n<\/style><div class=\"tds-title tds-title1 td-fix-index tdi_94 \"><h3 class=\"tdm-title tdm-title-sm\">Trusted by Professionals Worldwide<\/h3><\/div><\/div><\/div><\/div><div class=\"tdm_block td_block_wrap tdm_block_inline_text tdi_95 td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_95\" >\n<style>\n\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_95{\njustify-content:center !important;\ntext-align:center !important;\n}\n\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdm_block.tdm_block_inline_text{\r\n                  margin-bottom: 0;\r\n                  vertical-align: top;\r\n                }.tdm_block.tdm_block_inline_text .tdm-descr{\r\n                  margin-bottom: 0;\r\n                  -webkit-transform: translateZ(0);\r\n                  transform: translateZ(0);\r\n                }.tdc-row-content-vert-center .tdm-inline-text-yes{\r\n                  vertical-align: middle;\r\n                }.tdc-row-content-vert-bottom .tdm-inline-text-yes{\r\n                  vertical-align: bottom;\r\n                }.tdi_95{\r\n                    text-align: center !important;\r\n                    margin-right: auto; \r\n                    margin-left: auto;\r\n                }.tdi_95 .tdm-descr a{\r\n                    color: #4180b4;\r\n                }.tdi_95 .tdm-descr a:hover{\r\n                    color: #143659;\r\n                }\n<\/style><p class=\"tdm-descr\">I help motivated individuals take charge of their finances and plan for a fulfilling retirement lifestyle.<br>\n<a href=\"https:\/\/www.google.com\/search?client=safari&rls=en&q=pang+zhe+liang&ie=UTF-8&oe=UTF-8#\" target=\"_blank\">Client's Reviews &#8594;<\/a><\/p><\/div><div class=\"wpb_wrapper td_block_empty_space td_block_wrap vc_empty_space tdi_97 \"  style=\"height: 50px\"><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_98\" class=\"tdc-row\"><div class=\"vc_row tdi_99  wpb_row td-pb-row\" >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_99,\r\n                .tdi_99 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_99,\r\n\t\t\t\t.tdi_99 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_99 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_99:before,\r\n\t\t\t\t.tdi_99:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_101  wpb_column vc_column_container tdc-column td-pb-span12\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_101{\r\n                    vertical-align: baseline;\r\n                }.tdi_101 > .wpb_wrapper,\r\n\t\t\t\t.tdi_101 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_101 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_101 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_101 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"td_block_wrap td_block_title tdi_102 td-pb-border-top td_block_template_13 td-fix-index\"  data-td-block-uid=\"tdi_102\" >\n<style>\n.tdi_102 .td-block-title > a,\r\n            .tdi_102 .td-block-title > span {\r\n                color: #143659 !important;\r\n            }\r\n\r\n            \r\n            .tdi_102 .td-block-subtitle {\r\n                color: #f7f7f7 !important;\r\n            }\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_102 .td-block-title a,\r\n\t\t\t\tbody .tdi_102 .td-block-title span{\r\n\t\t\t\t\tline-height:1 !important;font-weight:500 !important;\r\n\t\t\t\t}\n<\/style><div class=\"td-block-title-wrap\"><h1 class=\"td-block-title\"><span>What I Believe In<\/span><div class=\"td-block-subtitle\">Values<\/div><\/h1><\/div><\/div><div class=\"vc_row_inner tdi_104  vc_row vc_inner wpb_row td-pb-row\" >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_104{\r\n                    position: relative !important;\r\n                    top: 0;\r\n                    transform: none;\r\n                    -webkit-transform: none;\r\n                }.tdi_104,\r\n\t\t\t\t.tdi_104 .tdc-inner-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_104 .tdc-inner-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column_inner tdi_106  wpb_column vc_column_container tdc-inner-column td-pb-span4\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_106{\r\n                    vertical-align: baseline;\r\n                }.tdi_106 .vc_column-inner > .wpb_wrapper,\r\n\t\t\t\t.tdi_106 .vc_column-inner > .wpb_wrapper .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_106 .vc_column-inner > .wpb_wrapper .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\" ><div class=\"tdm_block td_block_wrap tdm_block_column_title tdi_107 tdm-content-horiz-center td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_107\" ><div class=\"td-block-row\"><div class=\"td-block-span12 tdm-col\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_108 .tdm-title{\r\n\t\t\t\t\tcolor: #143659;\r\n\t\t\t\t}\n<\/style><div class=\"tds-title tds-title1 td-fix-index tdi_108 \"><h3 class=\"tdm-title tdm-title-sm\">AUTHENTICITY<\/h3><\/div><\/div><\/div><\/div><div class=\"wpb_wrapper wpb_text_column td_block_wrap td_block_wrap vc_column_text tdi_109  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_109\" ><div class=\"td-fix-index\"><p style=\"text-align: justify;\">Building a genuine relationship is important to me and it begins with being open and honest with one another.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"vc_column_inner tdi_111  wpb_column vc_column_container tdc-inner-column td-pb-span4\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_111{\r\n                    vertical-align: baseline;\r\n                }.tdi_111 .vc_column-inner > .wpb_wrapper,\r\n\t\t\t\t.tdi_111 .vc_column-inner > .wpb_wrapper .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_111 .vc_column-inner > .wpb_wrapper .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\" ><div class=\"tdm_block td_block_wrap tdm_block_column_title tdi_112 tdm-content-horiz-center td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_112\" ><div class=\"td-block-row\"><div class=\"td-block-span12 tdm-col\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_113 .tdm-title{\r\n\t\t\t\t\tcolor: #143659;\r\n\t\t\t\t}\n<\/style><div class=\"tds-title tds-title1 td-fix-index tdi_113 \"><h3 class=\"tdm-title tdm-title-sm\">COMMUNICATION<\/h3><\/div><\/div><\/div><\/div><div class=\"wpb_wrapper wpb_text_column td_block_wrap td_block_wrap vc_column_text tdi_114  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_114\" ><div class=\"td-fix-index\"><p style=\"text-align: justify;\">Open communication helps us to align our expectation so that we won&#8217;t second-guess one another.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"vc_column_inner tdi_116  wpb_column vc_column_container tdc-inner-column td-pb-span4\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_116{\r\n                    vertical-align: baseline;\r\n                }.tdi_116 .vc_column-inner > .wpb_wrapper,\r\n\t\t\t\t.tdi_116 .vc_column-inner > .wpb_wrapper .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_116 .vc_column-inner > .wpb_wrapper .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\" ><div class=\"tdm_block td_block_wrap tdm_block_column_title tdi_117 tdm-content-horiz-center td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_117\" ><div class=\"td-block-row\"><div class=\"td-block-span12 tdm-col\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_118 .tdm-title{\r\n\t\t\t\t\tcolor: #143659;\r\n\t\t\t\t}\n<\/style><div class=\"tds-title tds-title1 td-fix-index tdi_118 \"><h3 class=\"tdm-title tdm-title-sm\">GRATITUDE<\/h3><\/div><\/div><\/div><\/div><div class=\"wpb_wrapper wpb_text_column td_block_wrap td_block_wrap vc_column_text tdi_119  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_119\" ><div class=\"td-fix-index\"><p style=\"text-align: justify;\">Be thankful for all the little things in life &#8211; that is what shapes us and makes us better.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_wrapper td_block_empty_space td_block_wrap vc_empty_space tdi_121 \"  style=\"height: 32px\"><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_122\" class=\"tdc-row\"><div class=\"vc_row tdi_123  wpb_row td-pb-row\" >\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_123,\r\n                .tdi_123 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_123,\r\n\t\t\t\t.tdi_123 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_123 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_123:before,\r\n\t\t\t\t.tdi_123:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_123{\nmargin-top:30px !important;\npadding-top:10px !important;\njustify-content:center !important;\ntext-align:center !important;\n}\n\n.tdi_123 .td_block_wrap{ text-align:left }\n\n<\/style><div class=\"vc_column tdi_125  wpb_column vc_column_container tdc-column td-pb-span12\">\n<style scoped>\n\/* custom css - generated by TagDiv Composer *\/\n\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_125{\r\n                    vertical-align: baseline;\r\n                }.tdi_125 > .wpb_wrapper,\r\n\t\t\t\t.tdi_125 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_125 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_125 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_125 > .wpb_wrapper{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t    height: auto;\r\n\t\t\t\t}\n<\/style><div class=\"wpb_wrapper\" ><div class=\"tdm_block td_block_wrap tdm_block_client tdi_126 tdm-inline-block tdm-content-horiz-center td-animation-stack td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_126\" >\n<style>\n\n\/* inline tdc_css att - 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