{"id":2693,"date":"2024-02-28T10:40:48","date_gmt":"2024-02-28T02:40:48","guid":{"rendered":"https:\/\/www.pzl.sg\/advise\/?page_id=2693"},"modified":"2024-05-16T10:17:01","modified_gmt":"2024-05-16T02:17:01","slug":"faq","status":"publish","type":"page","link":"https:\/\/www.pzl.sg\/advise\/faq\/","title":{"rendered":"FAQ"},"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                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{\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>Honest Facts About My Work<\/span><div class=\"td-block-subtitle\">FAQ<\/div><\/h1><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_14\" class=\"tdc-row\"><div class=\"vc_row tdi_15  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_15,\r\n                .tdi_15 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_15,\r\n\t\t\t\t.tdi_15 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_15 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_15:before,\r\n\t\t\t\t.tdi_15:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_17  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_17{\r\n                    vertical-align: baseline;\r\n                }.tdi_17 > .wpb_wrapper,\r\n\t\t\t\t.tdi_17 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_17 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_17 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_17 > .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_18 td-pb-border-top td_block_template_9 td-fix-index\"  data-td-block-uid=\"tdi_18\" >\n<style>\n.td_block_template_9.widget > ul > li {\r\n                margin-left: 0 !important;\r\n            }\r\n            .td_block_template_9 .td-block-title {\r\n                font-size: 17px;\r\n                font-weight: 500;\r\n                margin-top: -10px;\r\n                margin-bottom: 22px;\r\n                line-height: 37px;\r\n                padding: 0;\r\n                position: relative;\r\n                text-align: left;\r\n            }\r\n            .td_block_template_9 .td-block-title:before {\r\n                content: '';\r\n                width: 100%;\r\n                height: 2px;\r\n                position: absolute;\r\n  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.td-subcat-more {\r\n                margin-bottom: 0 !important;\r\n            }\r\n            .td_block_template_9 .td-subcat-dropdown ul:after {\r\n                height: 2px !important;\r\n            }\r\n            .td_block_template_9 .td-related-title {\r\n                margin-top: 0 !important;\r\n            }\r\n            .td_block_template_9 .td-related-title a {\r\n                margin-right: 20px;\r\n            }\r\n            @media (max-width: 767px) {\r\n                .td_block_template_9 .td-related-title a{\r\n                    font-size: 15px;\r\n                }\r\n            }\r\n            .td_block_template_9 .td-related-title .td-cur-simple-item {\r\n                color: var(--td_theme_color, #4db2ec);\r\n            }\r\n            \r\n            \r\n\r\n            \r\n            .tdi_18 .td-block-title > * {\r\n                color: #143659 !important;\r\n            }\r\n\r\n            \r\n            .tdi_18 .td-block-title:after {\r\n                background-color: #f7d557 !important;\r\n            }\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_18{\nmargin-bottom:0px !important;\n}\n\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_18 .td-block-title a,\r\n\t\t\t\tbody .tdi_18 .td-block-title span{\r\n\t\t\t\t\tfont-weight:600 !important;letter-spacing:1px !important;\r\n\t\t\t\t}\n<\/style><div class=\"td-block-title-wrap\"><h4 class=\"td-block-title\"><span class=\"td-pulldown-size\">What is a Fee-Based Financial Advisor?<\/span><\/h4><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_19\" class=\"tdc-row\"><div class=\"vc_row tdi_20  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_20,\r\n                .tdi_20 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_20,\r\n\t\t\t\t.tdi_20 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_20 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_20:before,\r\n\t\t\t\t.tdi_20:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_22  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_22{\r\n                    vertical-align: baseline;\r\n                }.tdi_22 > .wpb_wrapper,\r\n\t\t\t\t.tdi_22 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_22 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_22 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_22 > .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 wpb_text_column td_block_wrap td_block_wrap vc_column_text tdi_23  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_23\" >\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 style=\"text-align: justify;\">As a Fee-Based Financial Advisor, I charge a planning and advisory fee for the work that I conduct for my clients. Additionally, in the event that there is any implementation, e.g. purchase of a product or enrolment into a service, I may receive a commission or a trailer fee from the service provider. In both cases, my company takes a cut before paying the balance to me.<\/p>\n<\/div><\/div><div class=\"td_block_wrap td_block_title tdi_24 td-pb-border-top td_block_template_9 td-fix-index\"  data-td-block-uid=\"tdi_24\" >\n<style>\n.tdi_24 .td-block-title > * {\r\n                color: #143659 !important;\r\n            }\r\n\r\n            \r\n            .tdi_24 .td-block-title:after {\r\n                background-color: #f7d557 !important;\r\n            }\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_24{\nmargin-bottom:0px !important;\n}\n\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_24 .td-block-title a,\r\n\t\t\t\tbody .tdi_24 .td-block-title span{\r\n\t\t\t\t\tfont-weight:600 !important;letter-spacing:1px !important;\r\n\t\t\t\t}\n<\/style><div class=\"td-block-title-wrap\"><h4 class=\"td-block-title\"><span class=\"td-pulldown-size\">Why charge a fee when others are giving out free advice?<\/span><\/h4><\/div><\/div><div class=\"wpb_wrapper wpb_text_column td_block_wrap td_block_wrap vc_column_text tdi_25  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_25\" >\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_25 a{\r\n\t\t\t        color: #4180b4;\r\n\t\t        }.tdi_25 a:hover{\r\n\t\t\t        color: #143659;\r\n\t\t        }\n<\/style><div class=\"td-fix-index\"><p style=\"text-align: justify;\">This question is likely made in comparison with a commission-based agent &#8211; which is the most common type of insurance agent that we see on the street. As I have explained in <a href=\"https:\/\/www.pzl.sg\/advise\/philosophy\/\">my philosophy<\/a>, tailor-made financial advice cannot be made for free all the time. By and large, if you want free advice, then I&#8217;m sure that you will be able to get plenty of information from a simple search on Google. In fact, I have been sharing my knowledge and experience on financial planning <a href=\"https:\/\/www.pzl.sg\/blog\/\">via my blog<\/a>.<\/p>\n<p style=\"text-align: justify;\">However, why do clients pay a fee to engage my service? One reason is because they are usually busy professionals and they came to realise that it is not a straightforward process to navigate through the sea of information that they have found from the internet. Moreover, more than half of them cast a doubt on whether they can trust these answers and advice wholeheartedly.<\/p>\n<p style=\"text-align: justify;\">Most importantly, after working with so many clients throughout my entire career, I noticed that clients don&#8217;t want information alone. Instead, what they need is a trusted advisor to give them personalised advice based on their needs and situation, keep them in check and on track towards their goals, and to encourage and support them during their decision-making process. And because this group of clients have paid a fee, they also become more committed to sort out their finances and to give deeper thoughts on their life goals.<\/p>\n<p style=\"text-align: justify;\">Accordingly, given that the entire process for comprehensive financial planning is tedious and time-consuming (well, we are sorting out a lot of items in your life), I have to charge a fee so that I can be fairly compensated for my effort and time. In effect, this also helps to remove the inherent pressure to sell you unsuitable products and services that you do not need.<\/p>\n<\/div><\/div><div class=\"td_block_wrap td_block_title tdi_26 td-pb-border-top td_block_template_9 td-fix-index\"  data-td-block-uid=\"tdi_26\" >\n<style>\n.tdi_26 .td-block-title > * {\r\n                color: #143659 !important;\r\n            }\r\n\r\n            \r\n            .tdi_26 .td-block-title:after {\r\n                background-color: #f7d557 !important;\r\n            }\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_26{\nmargin-bottom:0px !important;\n}\n\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_26 .td-block-title a,\r\n\t\t\t\tbody .tdi_26 .td-block-title span{\r\n\t\t\t\t\tfont-weight:600 !important;letter-spacing:1px !important;\r\n\t\t\t\t}\n<\/style><div class=\"td-block-title-wrap\"><h4 class=\"td-block-title\"><span class=\"td-pulldown-size\">Does that mean that you earn both a fee and a commission?<\/span><\/h4><\/div><\/div><div class=\"wpb_wrapper wpb_text_column td_block_wrap td_block_wrap vc_column_text tdi_27  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_27\" ><div class=\"td-fix-index\"><p style=\"text-align: justify;\">If you require comprehensive financial planning, then I charge a fee for the planning and advisory work. Thereafter, we will evaluate the situation to determine whether any implementations are required. Given that our financial planning report is purely driven by data, there is no way for us to propose unsuitable products or services. Accordingly, in the event that there isn&#8217;t a need to purchase any products or to enrol into any of the services that I provide for my clients, then I don&#8217;t earn any commission at all.<\/p>\n<\/div><\/div><div class=\"td_block_wrap td_block_title tdi_28 td-pb-border-top td_block_template_9 td-fix-index\"  data-td-block-uid=\"tdi_28\" >\n<style>\n.tdi_28 .td-block-title > * {\r\n                color: #143659 !important;\r\n            }\r\n\r\n            \r\n            .tdi_28 .td-block-title:after {\r\n                background-color: #f7d557 !important;\r\n            }\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_28{\nmargin-bottom:0px !important;\n}\n\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_28 .td-block-title a,\r\n\t\t\t\tbody .tdi_28 .td-block-title span{\r\n\t\t\t\t\tfont-weight:600 !important;letter-spacing:1px !important;\r\n\t\t\t\t}\n<\/style><div class=\"td-block-title-wrap\"><h4 class=\"td-block-title\"><span class=\"td-pulldown-size\">Are there situations when you don&#x27;t charge a fee?<\/span><\/h4><\/div><\/div><div class=\"wpb_wrapper wpb_text_column td_block_wrap td_block_wrap vc_column_text tdi_29  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_29\" ><div class=\"td-fix-index\"><p style=\"text-align: justify;\">If your needs are simple, then there isn&#8217;t a need to charge a fee. Hence, yes, there are some situations when I don&#8217;t charge a fee.<\/p>\n<\/div><\/div><div class=\"td_block_wrap td_block_title tdi_30 td-pb-border-top td_block_template_9 td-fix-index\"  data-td-block-uid=\"tdi_30\" >\n<style>\n.tdi_30 .td-block-title > * {\r\n                color: #143659 !important;\r\n            }\r\n\r\n            \r\n            .tdi_30 .td-block-title:after {\r\n                background-color: #f7d557 !important;\r\n            }\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_30{\nmargin-bottom:0px !important;\n}\n\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_30 .td-block-title a,\r\n\t\t\t\tbody .tdi_30 .td-block-title span{\r\n\t\t\t\t\tfont-weight:600 !important;letter-spacing:1px !important;\r\n\t\t\t\t}\n<\/style><div class=\"td-block-title-wrap\"><h4 class=\"td-block-title\"><span class=\"td-pulldown-size\">Why do you want to conduct comprehensive planning?<\/span><\/h4><\/div><\/div><div class=\"wpb_wrapper wpb_text_column td_block_wrap td_block_wrap vc_column_text tdi_31  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_31\" ><div class=\"td-fix-index\"><p style=\"text-align: justify;\">I feel that this is the most holistic process to understand you properly and is also the most impartial method to determine your needs accurately. This is because when we conduct comprehensive financial planning, most of the fact-finding processes and outcomes are driven by data. This is opposed to relying on generic one-size-fits-all guidelines or a simple one-page fact-find form. As a result, by going through the comprehensive financial planning process, we strive to deliver an outcome that you will be confident with and to be able to rely upon in a safe manner.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_32\" class=\"tdc-row\"><div class=\"vc_row tdi_33  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_33,\r\n                .tdi_33 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_33,\r\n\t\t\t\t.tdi_33 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_33 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_33:before,\r\n\t\t\t\t.tdi_33: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_33{\njustify-content:center !important;\ntext-align:center !important;\n}\n\n.tdi_33 .td_block_wrap{ text-align:left }\n\n<\/style><div class=\"vc_column tdi_35  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_35{\r\n                    vertical-align: baseline;\r\n                }.tdi_35 > .wpb_wrapper,\r\n\t\t\t\t.tdi_35 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_35 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_35 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_35 > .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_36 tdm-block-button-inline tdm-content-horiz-left td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_36\"     >\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_37{\r\n\t\t\t\t\tbackground-color: #7ca74e;\r\n\t\t\t\t}body .tdi_37:before{\r\n\t\t\t\t\tbackground-color: #143659;\r\n\t\t\t\t}body .tdi_37:hover:before{\r\n\t\t\t\t\topacity: 1;\r\n\t\t\t\t}.tdi_37,\r\n\t\t\t\t.tdi_37:before{\r\n\t\t\t\t\tborder-radius: 5px;\r\n\t\t\t\t}.tdi_37{\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_37 \" ><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_39 \"  style=\"height: 50px\"><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_40\" class=\"tdc-row\"><div class=\"vc_row tdi_41  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_41,\r\n                .tdi_41 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_41,\r\n\t\t\t\t.tdi_41 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_41 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_41:before,\r\n\t\t\t\t.tdi_41:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_43  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_43{\r\n                    vertical-align: baseline;\r\n                }.tdi_43 > .wpb_wrapper,\r\n\t\t\t\t.tdi_43 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_43 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_43 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_43 > .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_44 td-pb-border-top td_block_template_13 td-fix-index\"  data-td-block-uid=\"tdi_44\" >\n<style>\n.tdi_44 .td-block-title > a,\r\n            .tdi_44 .td-block-title > span {\r\n                color: #143659 !important;\r\n            }\r\n\r\n            \r\n            .tdi_44 .td-block-subtitle {\r\n                color: #f7f7f7 !important;\r\n            }\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_44 .td-block-title a,\r\n\t\t\t\tbody .tdi_44 .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_46  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_46{\r\n                    position: relative !important;\r\n                    top: 0;\r\n                    transform: none;\r\n                    -webkit-transform: none;\r\n                }.tdi_46,\r\n\t\t\t\t.tdi_46 .tdc-inner-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_46 .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_48  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_48{\r\n                    vertical-align: baseline;\r\n                }.tdi_48 .vc_column-inner > .wpb_wrapper,\r\n\t\t\t\t.tdi_48 .vc_column-inner > .wpb_wrapper .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_48 .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_49 tdm-content-horiz-center td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_49\" >\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 *\/\nbody .tdi_50 .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_50 \"><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_51  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_51\" ><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_53  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_53{\r\n                    vertical-align: baseline;\r\n                }.tdi_53 .vc_column-inner > .wpb_wrapper,\r\n\t\t\t\t.tdi_53 .vc_column-inner > .wpb_wrapper .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_53 .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_54 tdm-content-horiz-center td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_54\" ><div class=\"td-block-row\"><div class=\"td-block-span12 tdm-col\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_55 .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_55 \"><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_56  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_56\" ><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_58  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_58{\r\n                    vertical-align: baseline;\r\n                }.tdi_58 .vc_column-inner > .wpb_wrapper,\r\n\t\t\t\t.tdi_58 .vc_column-inner > .wpb_wrapper .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_58 .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_59 tdm-content-horiz-center td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_59\" ><div class=\"td-block-row\"><div class=\"td-block-span12 tdm-col\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_60 .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_60 \"><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_61  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_61\" ><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_63 \"  style=\"height: 50px\"><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_64\" class=\"tdc-row\"><div class=\"vc_row tdi_65  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_65,\r\n                .tdi_65 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_65,\r\n\t\t\t\t.tdi_65 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_65 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_65:before,\r\n\t\t\t\t.tdi_65:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_67  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_67{\r\n                    vertical-align: baseline;\r\n                }.tdi_67 > .wpb_wrapper,\r\n\t\t\t\t.tdi_67 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_67 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_67 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_67 > .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_68 td-pb-border-top td_block_template_13 td-fix-index\"  data-td-block-uid=\"tdi_68\" >\n<style>\n.tdi_68 .td-block-title > a,\r\n            .tdi_68 .td-block-title > span {\r\n                color: #143659 !important;\r\n            }\r\n\r\n            \r\n            .tdi_68 .td-block-subtitle {\r\n                color: #f7f7f7 !important;\r\n            }\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\nbody .tdi_68 .td-block-title a,\r\n\t\t\t\tbody .tdi_68 .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 We Do<\/span><div class=\"td-block-subtitle\">Services<\/div><\/h1><\/div><\/div><div class=\"wpb_wrapper wpb_text_column td_block_wrap td_block_wrap vc_column_text tdi_69  tagdiv-type td-pb-border-top td_block_template_8 tdc-no-posts\"  data-td-block-uid=\"tdi_69\" ><div class=\"td-fix-index\"><p>I work with over 150 business partners to provide you with effective and affordable conflict-free solutions.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div id=\"tdi_70\" class=\"tdc-row\"><div class=\"vc_row tdi_71  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_71,\r\n                .tdi_71 .tdc-columns{\r\n                    min-height: 0;\r\n                }.tdi_71,\r\n\t\t\t\t.tdi_71 .tdc-columns{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_71 .tdc-columns{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_71:before,\r\n\t\t\t\t.tdi_71:after{\r\n\t\t\t\t    display: table;\r\n\t\t\t\t}\n<\/style><div class=\"vc_column tdi_73  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_73{\r\n                    vertical-align: baseline;\r\n                }.tdi_73 > .wpb_wrapper,\r\n\t\t\t\t.tdi_73 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_73 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_73 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_73 > .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_74 tdm-content-horiz-center tds_icon_box4_wrap td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_74\" >\n<style>\n\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_74{\nborder-color:rgba(0,0,0,0.15) !important;\nbox-shadow:3px 5px 3px rgba(0,0,0,0.15) !important;\nborder-style:solid !important;\nborder-width:0 !important;\n}\n\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tds_icon_box4_wrap{\r\n                  height: 300px;\r\n                  -webkit-transition: all 0.3s ease;\r\n                  transition: all 0.3s ease;\r\n                }.tds_icon_box4_wrap:after{\r\n                  content: '';\r\n                  position: absolute;\r\n                  width: 100%;\r\n                  height: 100%;\r\n                  top: 0;\r\n                  left: 0;\r\n                  -webkit-transition: all 0.3s ease;\r\n                  transition: all 0.3s ease;\r\n                }.tds_icon_box4_wrap .tds-icon-box4{\r\n                  position: absolute;\r\n                  display: block;\r\n                  top: 50%;\r\n                  left: 50%;\r\n                  width: 80%;\r\n                  -webkit-transform: translate(-50%, -50%);\r\n                  transform: translate(-50%, -50%);\r\n                  z-index: 1;\r\n                }.tds_icon_box4_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                }.tds_icon_box4_wrap:before{\r\n                  content: '';\r\n                  position: absolute;\r\n                  left: 0;\r\n                  bottom: 0;\r\n                  width: 100%;\r\n                  z-index: 1;\r\n                }.tds_icon_box4_wrap:hover{\r\n                  -webkit-transform: translateY(-10px);\r\n                  transform: translateY(-10px);\r\n                }.tdi_74{\r\n\t\t\t\t    height: 330px;\r\n\t\t\t\t}.tdi_75 .tds-title{\r\n\t\t\t\t    margin-top: 0px;\r\n\t\t\t\t\r\n\t\t\t\t    margin-bottom: -10px;\r\n\t\t\t\t}.tdi_75 .tdm-descr{\r\n\t\t\t\t    margin-bottom: 30px;\r\n\t\t\t\t}.tdi_74:before{\r\n\t\t\t\t    height: 3px;\r\n\t\t\t\t\r\n\t\t\t\t    background-color: rgba(0,0,0,0.01);\r\n\t\t\t\t}.tdi_74:after{\r\n\t\t\t\t    background-color: rgba(0,0,0,0.01);\r\n\t\t\t\t}\n<\/style><div class=\"tds-icon-box tds-icon-box4 td-fix-index tdi_75\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_76{\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_76: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}body .tdi_74:hover .tdi_76:before{\r\n\t\t\t\t\t-webkit-text-fill-color: unset;\r\n\t\t\t\t\tbackground: transparent;\r\n\t\t\t\t\ttransition: none;\r\n\t\t\t\t}body .tdi_74:hover .tdi_76 svg{\r\n\t\t\t\t    fill: @text_hover_color;\r\n\t\t\t\t}body .tdi_74:hover .tdi_76 svg *{\r\n\t\t\t\t    fill: inherit;\r\n\t\t\t\t}.tdi_74:hover .tdi_76:before{\r\n\t\t\t\t    color: eyJ0eXBlIjoiZ3JhZGllbnQiLCJjb2xvcjEiOiIjNDE4MGI0IiwiY29sb3IyIjoiIzQxODBiNCIsIm1peGVkQ29sb3JzIjpbXSwiZGVncmVlIjoiLTkwIiwiY3NzIjoiYmFja2dyb3VuZC1jb2xvcjogIzQxODBiNDsiLCJjc3NQYXJhbXMiOiIwZGVnLCM0MTgwYjQsIzQxODBiNCJ9;\r\n\t\t\t\t}.tdi_74:hover .tdi_76 svg{\r\n\t\t\t\t    fill: eyJ0eXBlIjoiZ3JhZGllbnQiLCJjb2xvcjEiOiIjNDE4MGI0IiwiY29sb3IyIjoiIzQxODBiNCIsIm1peGVkQ29sb3JzIjpbXSwiZGVncmVlIjoiLTkwIiwiY3NzIjoiYmFja2dyb3VuZC1jb2xvcjogIzQxODBiNDsiLCJjc3NQYXJhbXMiOiIwZGVnLCM0MTgwYjQsIzQxODBiNCJ9;\r\n\t\t\t\t}.tdi_74:hover .tdi_76 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-tdmp tdc-font-tdmp-measure tdi_76 td-fix-index \"><\/i>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_77 .tdm-title{\r\n\t\t\t\t\tfont-size:24px !important;line-height:1.2 !important;\r\n\t\t\t\t}\n<\/style><div class=\"tds-title tds-title1 td-fix-index tdi_77 \"><h3 class=\"tdm-title tdm-title-md\">Review<\/h3><\/div><p class=\"tdm-descr\">Use quantitative techniques to identify your needs accurately<\/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_74 .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_74 .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_79  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_79{\r\n                    vertical-align: baseline;\r\n                }.tdi_79 > .wpb_wrapper,\r\n\t\t\t\t.tdi_79 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_79 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_79 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_79 > .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_80 tdm-content-horiz-center tds_icon_box4_wrap td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_80\" >\n<style>\n\n\/* inline tdc_css att - generated by TagDiv Composer *\/\n\n.tdi_80{\nborder-color:rgba(0,0,0,0.15) !important;\nbox-shadow:3px 5px 3px rgba(0,0,0,0.15) !important;\nborder-style:solid !important;\nborder-width:0 !important;\n}\n\n<\/style>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_80{\r\n\t\t\t\t    height: 330px;\r\n\t\t\t\t}.tdi_81 .tds-title{\r\n\t\t\t\t    margin-top: 0px;\r\n\t\t\t\t\r\n\t\t\t\t    margin-bottom: -10px;\r\n\t\t\t\t}.tdi_81 .tdm-descr{\r\n\t\t\t\t    margin-bottom: 30px;\r\n\t\t\t\t}.tdi_80:before{\r\n\t\t\t\t    height: 3px;\r\n\t\t\t\t\r\n\t\t\t\t    background-color: rgba(0,0,0,0.01);\r\n\t\t\t\t}.tdi_80:after{\r\n\t\t\t\t    background-color: rgba(0,0,0,0.01);\r\n\t\t\t\t}\n<\/style><div class=\"tds-icon-box tds-icon-box4 td-fix-index tdi_81\">\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_82{\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_82: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}body .tdi_80:hover .tdi_82:before{\r\n\t\t\t\t\t-webkit-text-fill-color: unset;\r\n\t\t\t\t\tbackground: transparent;\r\n\t\t\t\t\ttransition: none;\r\n\t\t\t\t}body .tdi_80:hover .tdi_82 svg{\r\n\t\t\t\t    fill: @text_hover_color;\r\n\t\t\t\t}body .tdi_80:hover .tdi_82 svg *{\r\n\t\t\t\t    fill: inherit;\r\n\t\t\t\t}.tdi_80:hover .tdi_82:before{\r\n\t\t\t\t    color: eyJ0eXBlIjoiZ3JhZGllbnQiLCJjb2xvcjEiOiIjNDE4MGI0IiwiY29sb3IyIjoiIzQxODBiNCIsIm1peGVkQ29sb3JzIjpbXSwiZGVncmVlIjoiLTkwIiwiY3NzIjoiYmFja2dyb3VuZC1jb2xvcjogIzQxODBiNDsiLCJjc3NQYXJhbXMiOiIwZGVnLCM0MTgwYjQsIzQxODBiNCJ9;\r\n\t\t\t\t}.tdi_80:hover .tdi_82 svg{\r\n\t\t\t\t    fill: eyJ0eXBlIjoiZ3JhZGllbnQiLCJjb2xvcjEiOiIjNDE4MGI0IiwiY29sb3IyIjoiIzQxODBiNCIsIm1peGVkQ29sb3JzIjpbXSwiZGVncmVlIjoiLTkwIiwiY3NzIjoiYmFja2dyb3VuZC1jb2xvcjogIzQxODBiNDsiLCJjc3NQYXJhbXMiOiIwZGVnLCM0MTgwYjQsIzQxODBiNCJ9;\r\n\t\t\t\t}.tdi_80:hover .tdi_82 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-tdmp tdc-font-tdmp-pulse tdi_82 td-fix-index \"><\/i>\n<style>\n\/* custom css - generated by TagDiv Composer *\/\n.tdi_83 .tdm-title{\r\n\t\t\t\t\tfont-size:24px !important;line-height:1.2 !important;\r\n\t\t\t\t}\n<\/style><div class=\"tds-title tds-title1 td-fix-index tdi_83 \"><h3 class=\"tdm-title tdm-title-md\">Protect<\/h3><\/div><p class=\"tdm-descr\">Leverage on affordable insurance solutions to insure you adequately<\/p><\/div><style>.tdi_80 .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_80 .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_85  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_85{\r\n                    vertical-align: baseline;\r\n                }.tdi_85 > .wpb_wrapper,\r\n\t\t\t\t.tdi_85 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    display: block;\r\n\t\t\t\t}.tdi_85 > .wpb_wrapper > .tdc-elements{\r\n\t\t\t\t    width: 100%;\r\n\t\t\t\t}.tdi_85 > .wpb_wrapper > .vc_row_inner{\r\n\t\t\t\t    width: auto;\r\n\t\t\t\t}.tdi_85 > .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_86 tdm-content-horiz-center tds_icon_box4_wrap td-pb-border-top td_block_template_8\"  data-td-block-uid=\"tdi_86\" >\n<style>\n\n\/* inline tdc_css att - 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