How are you managing rising costs?

Integral Private Wealth founder David Simon explains how his practice is managing the rising cost of running an advice business and meeting client expectations.

news

newsDecember 19, 2019By

Check out what he had to say during the ifa Advice Practice of 2020 Roundtable, partnered by Iress.

</iframe</p><script> var tags = ''; </script> <script type="text/javascript"> document.addEventListener('DOMContentLoaded', function() { var zoneArray = []; zoneArray.push(260267); var typesArray = { desktop: [569], tablet: [569], mobile: [569], }; var zoneDivId = '#mm-videobanner-zone'; changePlacements(1174487, 10860, true, zoneDivId, typesArray, zoneArray, window.CLIENT_IP, 'mmk-videobanner', 1, '', tags); }); </script> <div style="margin: 30px auto 10px;" id="mmk-videobanner"> <div id="mm-videobanner-zone"></div> </div> <style> #mm-videobanner-zone { display: flex; justify-content: center; } @media only screen and (max-width: 600px) { #mm-videobanner-zone iframe { width:100%; height:auto; aspect-ratio: 16/9; } } </style> <script> </script><script> var tags = ''; </script> <script type="text/javascript"> document.addEventListener('DOMContentLoaded', function() { var zoneArray = []; zoneArray.push(254118); var typesArray = { desktop: [0], tablet: [43], mobile: [43], }; var kevelDivId = '#superbanner-mobile-container'; changePlacements(1174487, 10860, true, kevelDivId, typesArray, zoneArray, window.CLIENT_IP, null, 1, '', tags); }); </script> <div id="superbanner-mobile-container"></div> <style> #superbanner-mobile-container {width: fit-content;margin: 20px auto;}</style> <script> </script> </div> </div> </div> <div class="b-article__item mb-min-md-0 mb-sm-min-0"> <div id="mod-custom0" class="mod-custom custom"> </div> </div> <div class="mgn_4 clearfix"> <script type="text/x-template" id="ccomment-pagination"> <nav class="pagination text-center" v-if="pagination.last_page > 0"> <ul > <li v-if="showPrevious()" :class="{ 'disabled' : pagination.current_page <= 1 }"> <span v-if="pagination.current_page <= 1"> <span aria-hidden="true">Prev</span> </span> <a href="#" v-if="pagination.current_page > 1 " :aria-label="config.ariaPrevioius" @click.prevent="changePage(pagination.current_page - 1)"> <span aria-hidden="true">Prev</span> </a> </li> <li v-for="num in array" :class="{ 'active': num === pagination.current_page }"> <a href="#" @click.prevent="changePage(num)">{{ num }}</a> </li> <li v-if="showNext()" :class="{ 'disabled' : pagination.current_page === pagination.last_page || pagination.last_page === 0 }"> <span v-if="pagination.current_page === pagination.last_page || pagination.last_page === 0"> <span aria-hidden="true">Next</span> </span> <a href="#" v-if="pagination.current_page < pagination.last_page" :aria-label="config.ariaNext" @click.prevent="changePage(pagination.current_page + 1)"> <span aria-hidden="true">Next</span> </a> </li> </ul> </nav> </script> <script type="text/x-template" id="ccomment-avatar"> <div class="ccomment-avatar"> <a v-if="profileLink" v-bind:href="profileLink"> <img v-bind:src="avatar"/> </a> <img v-else v-bind:src="avatar" alt="avatar" width="52" height="52" loading="lazy"/> </div> </script> <script type="text/x-template" id="ccomment-user-name"> <a v-if="profileLink" :href="profileLink"> <span class="ccomment-author">{{name}}</span> </a> <span v-else class="ccomment-author">{{name}}</span> </script> <script type="text/x-template" id="ccomment-created"> <a :href="'#!/ccomment-comment=' + id" class="muted ccomment-created"> {{date}} </a> </script> <div id="ccomment-token" style="display:none;"> <input type="hidden" name="2ef9c8800b2ac55c4d6a392318354685" value="1"> </div> <script type="text/x-template" id="ccomment-customfields"> <div class="ccomment-customfields" v-if="customfields"> <strong>Custom fields</strong> <dl class="dl-horizontal"> <template v-for="customfield in customfields"> <dt>{{customfield.title}}</dt> <dd>{{customfield.value}}</dd> </template> </dl> </div> </script> <script type="text/x-template" id="ccomment-template"> <li v-bind:class="model.class+' ccomment-level-'+model.level"> <div class="ccomment-comment-content" v-bind:id="'ccomment-comment-'+model.id"> <div class="ccomment-data"> <div class="ccomment-content"> <div class="ccomment-meta"> <ccomment-user-name v-bind:name="model.name" v-bind:profileLink="model.profileLink"></ccomment-user-name> <ccomment-created v-bind:date="model.date" v-bind:id="model.id"></ccomment-created> </div> <div v-html="model.comment"> </div> <div v-if="model.galleria" class="js-ccomment-galleria galleria ccomment-galleria"></div> <ccomment-customfields v-bind:customfields="model.customfields"></ccomment-customfields> <div class="ccomment-actions"> <span class="muted"> {{model.votes}} <i class="ccomment-thumbs-up ccomment-voting" v-on:click="vote(+1, model.id)"></i> <i class="ccomment-thumbs-down ccomment-voting" v-on:click="vote(-1, model.id)"></i> </span> <button class="btn btn-small ccomment-quote btn-link" v-on:click="quote(model.id)"> Quote </button> <button v-if="showReply" v-on:click="reply = !reply" class="btn btn-small ccomment-reply btn-link"> Reply </button> <div class="pull-right ccomment-moderation"> <button v-if="model.commentModerator" class="btn btn-mini btn-ccomment-edit" v-on:click="edit(model.id)"> Edit </button> </div> </div> </div> </div> <keep-alive> <ccomment-form v-if="reply" :ref="'form-'+model.id" v-bind:focus="true"> <input slot="parent-id" name="jform[parentid]" type="hidden" v-bind:value="model.id"/> </ccomment-form> </keep-alive> </div> <ul v-if="hasChildren"> <ccomment-comment class="item" v-for="model in getChild()" v-bind:key="model.id" v-bind:model="model"> </ccomment-comment> </ul> </li> </script> <script type="text/x-template" id="ccomment-form"> <form class="ccomment-form" v-on:submit.prevent="onSubmit"> <div class="ccomment-error-form row-fluid margin-bottom" v-if="error"> <div class="alert alert-error"> {{errorMessage}} </div> </div> <div class="ccomment-info-form row-fluid margin-bottom" v-if="info"> <div class="alert alert-info"> {{infoMessage}} </div> </div> <div class="row-fluid margin-bottom"> <div class="span1 hidden-phone"> <ccomment-avatar v-bind:avatar="getAvatar"></ccomment-avatar> </div> <div class="span11"> <textarea v-on:focus="toggle" name="jform[comment]" class='js-ccomment-textarea ccomment-textarea span12 required' placeholder="Leave a comment" ></textarea> <div v-show="uploadImage"> <div class="fileupload">  <div class="row fileupload-buttonbar"> <input type="file" name="files[]" class="js-ccomment-file-upload-real ccomment-file-upload-real" multiple/> <div class="panel panel-default compojoom-notes"> <div class="panel-body">  <span class="fileupload-process"><span class="fa fa-spinner fa-pulse"></span></span> Attach images by dragging & dropping or <span type="button" class="js-file-upload-fake ccomment-file-upload-fake btn-link"> by selecting them.</span> <br/> <small class="muted">The maximum file size for uploads is <strong>10MB</strong>. Only <strong>gif,jpg,png</strong> files are allowed.</small>  <div class="fileupload-progress fade hide d-none">  <div class="progress progress-striped active" role="progressbar" aria-valuemin="0" aria-valuemax="100"> <div class="progress-bar progress-bar-success" style="width:0%;"></div> </div>  <div class="progress-extended"> </div> </div> <div class="ccomment-file-list"> <div class="alert alert-warning hide d-none compojoom-max-number-files"> The maximum number of 3 allowed files to upload has been reached. If you want to upload more files you have to delete one of the existing uploaded files first. </div> <table role="presentation" class="table table-striped"> <thead></thead> <tbody class="files"></tbody> </table> <div class="alert alert-warning hide d-none compojoom-max-number-files"> The maximum number of 3 allowed files to upload has been reached. If you want to upload more files you have to delete one of the existing uploaded files first. </div> </div> </div> </div> </div> </div> </div> <div v-show="active"> <div class="span4 muted small ccomment-posting-as-wrapper"> Posting as <button type="button" v-on:click="display = !display" class="btn-link btn-small ccomment-posting-as">{{getDefaultName}} </button> </div> </div> </div> <div v-show="display" class="row-fluid ccomment-user-info offset1 span11"> <div class="span6"> <input name="jform[name]" class="ccomment-name span12 no-margin " type='text' v-bind:value="getName" v-on:input="updateDefaultName" placeholder="Enter your name" tabindex="2" /> <span class="help-block pull-left small muted"> Displayed next to your comments. </span> </div> </div> <div class="row-fluid ccomment-actions" v-show="active"> <div class="pull-left muted small ccomment-undergo-moderation offset1"> Comments will undergo moderation before they get published. </div> <div class="pull-right"> <button v-on:click="reset()" type="button" class="btn ccomment-cancel"> Cancel</button> <button type="submit" class='btn btn-primary ccomment-send' tabindex="7" name='bsend'> <span v-if="isSending"> Saving... </span> <span v-else> Send </span> </button> </div> </div> </div> <input type="hidden" name="jform[contentid]" v-bind:value="itemConfig.contentid"/> <input type="hidden" name="jform[component]" v-bind:value="itemConfig.component"/> <input type="hidden" name="jform[page]" v-bind:value="page"/> <slot name="parent-id"></slot> </form> </script>  <script id="template-upload" type="text/x-tmpl"> {% for (var i=0, file; file=o.files[i]; i++) { %} <tr class="template-upload fade"> <td> <span class="preview"></span> </td> <td> <span class="name"><i>{%=file.name%}</i></span> <div class="compojoom-single-file-progress"> <div class="progress progress-striped active" role="progressbar" aria-valuemin="0" aria-valuemax="100" aria-valuenow="0"> <div class="progress-bar progress-bar-success" style="width:0%;"></div> </div> <small><strong class="size">Processing...</strong></small> </div> </td> <td> {% if (!i && !o.options.autoUpload) { %} <button class="btn btn-default btn-xs start" disabled> <i class="fa fa-upload"></i> <span>Start</span> </button> {% } %} {% if (!i) { %} <button class="btn btn-default btn-xs btn-xs cancel pull-left"> <i class="fa fa-stop"></i> <span>Cancel</span> </button> {% } %} </td> </tr> {% } %} </script>  <script id="template-download" type="text/x-tmpl"> {% for (var i=0, file; file=o.files[i]; i++) { %} <tr class="template-download fade"> <td style=""> {% if (file.thumbnailUrl) { %} <span class="preview"> {% if (file.url) { %} <a href="/{%=file.url%}" title="{%=file.name%}" download="{%=file.name%}" data-gallery> <img src='{%=file.thumbnailUrl%}'> </a> {% } else { %} <img src='{%=file.thumbnailUrl%}'> {% } %} </span> {% } %} </td> <td> {% if (!file.error) { %} <div class="file-meta"> <div class="row"> <div class="col-lg-4"> <input type="text" class="form-control" placeholder="Title" name="jform[picture_data][{%=file.name%}][title]" value="{%=file.title%}" /> </div> <div class="col-lg-8"> <input type="text" placeholder="Description" class="form-control" name="jform[picture_data][{%=file.name%}][description]" value="{%=file.description%}" /> </div> </div> </div> {% } %} {% if (file.error) { %} <div><span class="label label-danger">Error</span> {%=file.error%}</div> {% } %} </td> <td style="text-align: center"> {% if (file.deleteUrl) { %} {% } else { %} <button class="btn btn-default btn-xs btn-xs cancel"> <i class="fa fa-stop"></i> <span>Cancel</span> </button> {% }%} {% if (!file.error) { %} <input type="hidden" name="jform[picture][]" value="{%=file.name%}" /> {% } %} </td> </tr> {% } %} </script> <script type="text/x-template" id="ccomment-menu"> <div class="row-fluid ccomment-menu"> <h3 class="pull-left"> Comments (<span class="ccomment-comment-counter">{{pagination.total_with_children}}</span>) </h3> <div class="pull-right"> <button v-on:click="newComment" class="ccomment-add-new btn btn-mini" title='Add New'> Add New </button> </div> </div> </script>  <div class="ccomment" id="ccomment"> <ccomment-menu></ccomment-menu> <ccomment-form></ccomment-form> <ul class="ccomment-comments-list"> <ccomment-comment v-for="item in comments" v-if="item.parentid === -1" class="item" v-bind:key="item.id" v-bind:model="item"> </ccomment-comment> </ul> <pagination v-if="pagination.last_page > 1" :pagination="pagination" :callback="loadData" :options="paginationOptions"></pagination> </div> <script type="text/javascript"> window.compojoom = compojoom = window.compojoom || {}; compojoom.ccomment = { user: {"loggedin":false,"avatar":"https:\/\/www.ifa.com.au\/media\/templates\/site\/momentum\/images\/user-avatar_2x_xfpxbg.png"}, item: {"contentid":27500,"component":"com_content","count":9}, config: {"comments_per_page":10,"sort":1,"tree":1,"use_name":0,"tree_depth":5,"form_position":1,"voting":1,"copyright":1,"pagination_position":0,"avatars":0,"gravatar":0,"support_ubb":1,"support_emoticons":0,"support_picture":0,"name_required":0,"email_required":0,"baseUrl":"https:\/\/www.ifa.com.au\/","langCode":"en","file_upload":{"url":"https:\/\/www.ifa.com.au\/index.php?option=com_comment&task=multimedia.doIt","formControl":"jform","fieldName":"picture","maxNumberOfFiles":3,"fileTypes":"gif,jpg,png","maxSize":"10","component":"com_comment","imageSize":{"x":"2400","y":"1800"}}} }; </script> <script data-inline type="text/javascript" src="/media/com_comment/cache/8e12eb270706cd6b2c8483104bf89b54.min.js"></script> </div> <div class="col-md-12 col-sm-12 col-xs-12 related_stories p-all-0"> <h3>Related stories</h3> <div class="related_stories_items"> <a class="related_stories_item" href="/news/36337-asic-flags-retirement-comms-gaps-points-to-dbfo-as-solution" role="link" aria-label="ASIC flags retirement comms gaps, points to DBFO as solution"> <div class="related_stories_item-img-wrapper"> <img loading="lazy" sizes="(max-width:546px) 395px, (max-width:1024px) 141px" srcset="https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload//c_fill,q_auto:best,f_auto,e_unsharp_mask:80,w_395,dpr_auto/ifa%2Fasic-ifa_hwy98v 395w,https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload//c_fill,q_auto:best,f_auto,e_unsharp_mask:80,w_141,h_95,dpr_auto/ifa%2Fasic-ifa_hwy98v 141w" src="https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload//c_fill,q_auto:best,f_auto,e_unsharp_mask:80,w_141,h_95,dpr_auto/ifa%2Fasic-ifa_hwy98v" alt="" width="141" height="88"> </div> <div class="related_stories_item-details"> <h4>ASIC flags retirement comms gaps, points to DBFO as solution</h4> <p class="p-small">The regulator has highlighted the next stage of advice reforms as potentially filling the gaps in super funds’ ...</p> </div> </a> <a class="related_stories_item" href="/news/36339-it-s-all-relative-why-lifestyle-not-wealth-drives-retirement-strategy" role="link" aria-label="‘It’s all relative’: Why lifestyle, not wealth, drives retirement strategy"> <div class="related_stories_item-img-wrapper"> <img loading="lazy" sizes="(max-width:546px) 395px, (max-width:1024px) 141px" srcset="https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload//c_fill,q_auto:best,f_auto,e_unsharp_mask:80,w_395,dpr_auto/Resolution_Life_roundtable_1_cvsza0 395w,https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload//c_fill,q_auto:best,f_auto,e_unsharp_mask:80,w_141,h_95,dpr_auto/Resolution_Life_roundtable_1_cvsza0 141w" src="https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload//c_fill,q_auto:best,f_auto,e_unsharp_mask:80,w_141,h_95,dpr_auto/Resolution_Life_roundtable_1_cvsza0" alt="" width="141" height="88"> </div> <div class="related_stories_item-details"> <h4>‘It’s all relative’: Why lifestyle, not wealth, drives retirement strategy</h4> <p class="p-small">The key to managing longevity risk is recognising that every client’s retirement outlook depends on their lifestyle and ...</p> </div> </a> <a class="related_stories_item" href="/news/36335-finalists-revealed-for-ifa-excellence-awards-2025" role="link" aria-label="Finalists revealed for ifa Excellence Awards 2025"> <div class="related_stories_item-img-wrapper"> <img loading="lazy" sizes="(max-width:546px) 395px, (max-width:1024px) 141px" srcset="https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload//c_fill,q_auto:best,f_auto,e_unsharp_mask:80,w_395,dpr_auto/ifa%2FIFA-EA-2025-concept_ifa-id_rp6cay 395w,https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload//c_fill,q_auto:best,f_auto,e_unsharp_mask:80,w_141,h_95,dpr_auto/ifa%2FIFA-EA-2025-concept_ifa-id_rp6cay 141w" src="https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload//c_fill,q_auto:best,f_auto,e_unsharp_mask:80,w_141,h_95,dpr_auto/ifa%2FIFA-EA-2025-concept_ifa-id_rp6cay" alt="" width="141" height="88"> </div> <div class="related_stories_item-details"> <h4>Finalists revealed for ifa Excellence Awards 2025</h4> <p class="p-small">More than 300 finalists have been announced in this year’s ifa Excellence Awards. A total of 305 finalists have been ...</p> </div> </a> </div> </div> <div class="subscribe-home" data-bg-image="https://www.ifa.com.au/media/templates/site/momentum/images/Group_1833_2x_wxxln1.webp" data-bg-image-mob="https://www.ifa.com.au/media/templates/site/momentum/images/Group_2164_2x_a7vdxc.webp"> <div class="subscribe-home-content"> <h2>Subscribe to <img src="https://www.ifa.com.au/media/templates/site/momentum/images/IFA_p5qsxg.svg" height="23" width="33" alt="ifa-logo" class="ifa_logo"></h2> <p>Never miss the stories that impact the industry.</p> </div> <a href="/subscribe" name="subscribe" class="subs-btn cta read-more">Subscribe now</a> </div> <script type="text/javascript"> jQuery(document).ready(function($) { var bgImages = $('[data-bg-image]'); var bgImagesMob = $('[data-bg-image-mob]'); bgImages.each(function(index) { $(this).css('backgroundImage', 'url(' + $(this).data('bg-image') + ')'); if (bgImagesMob.length !== 0 && window.innerWidth < 768) { $(bgImagesMob[index]).css('backgroundImage', 'url(' + $(this).data('bg-image-mob') + ')'); } }); }); </script> <script type="application/ld+json"> { "@context": "http://schema.org", "@type": "VideoObject", "name": "How are you managing rising costs?", "description": "Integral Private Wealth founder David Simon explains how his practice is managing the rising cost of running an advice business with meeting client expectations. Check out what he had to say during", "thumbnailUrl": "https://www.ifa.com.au/images/News/David-Simon-ifa.jpg", "uploadDate": "2019-12-12T03:49:55Z", "duration": "PT1M33S", "contentUrl": "https://www.youtube.com/watch?v=dUZZM7Hn8ns" } </script> <script type="text/javascript"> jQuery(document).ready(function(){ var resize = new Array('.main p','.main a','.main li','.main span'); // console.log(elements); resize = resize.join(','); var resetFont = jQuery(resize).css('font-size'); jQuery(".reset").click(function(){ jQuery(".font-resizer li").removeClass('active'); jQuery(this).addClass('active'); jQuery(resize).css('font-size', resetFont); }); //specifies that this will affect the “increase” class jQuery(".increase").click(function(){ jQuery(".font-resizer li").removeClass('active'); jQuery(this).addClass('active'); //creates a variable that holds the current font size var originalFontSize = jQuery(resize).css('font-size'); //creates a variable that parses the number var originalFontNumber = parseFloat(originalFontSize, 10); //creates a variable that holds the increased font size var newFontSize = 20; //changes the font-size in the CSS document jQuery(resize).css('font-size', newFontSize); return false; }); //specifies that this will affect the “decrease” class jQuery(".decrease").click(function(){ jQuery(".font-resizer li").removeClass('active'); jQuery(this).addClass('active'); //creates a variable that holds the current font size var originalFontSize = jQuery(resize).css('font-size'); //creates a variable that parses the number var originalFontNumber = parseFloat(originalFontSize, 10); //creates a variable that holds the decreased font size var newFontSize = 14; //changes the font-size in the CSS document jQuery(resize).css('font-size', newFontSize); return false; }); }); const mainDiv = document.querySelector('.main'); if (mainDiv) { const anchorElementsInMain = mainDiv.querySelectorAll('a'); const desiredImageSrc = 'https://www.ifa.com.au/images/IFA_SHOW.png'; anchorElementsInMain.forEach((anchorElement) => { const imageElement = anchorElement.querySelector('img'); if (imageElement && imageElement.getAttribute('src') === desiredImageSrc) { const textNode = document.createTextNode('CLICK HERE TO LISTEN ON YOUR DEVICE'); anchorElement.removeChild(imageElement); anchorElement.appendChild(textNode); anchorElement.classList.add('podcast-cta-listen', 'cta-view-all'); } }); } </script> <div id="system-message-container" aria-live="polite"></div> </main> <aside class="article_id_27500"> <script> var tags = ''; </script> <script type="text/javascript"> document.addEventListener('DOMContentLoaded', function() { var zoneArray = []; zoneArray.push(254118); var typesArray = { desktop: [43], tablet: [0], mobile: [0], }; var kevelDivId = '#momentum-supperbanner-zoneunit'; changePlacements(1174487, 10860, true, kevelDivId, typesArray, zoneArray, window.CLIENT_IP, null, 1, '', tags); }); </script> <div id="momentum-supperbanner-zoneunit"> <div class="default__superbanner"></div> </div> <style> .default__superbanner{ width: 300px; height: 600px; background: #dadade; } #momentum-supperbanner-zoneunit { width: fit-content; margin: 0 auto 5px; } #momentum-supperbanner-zoneunit img { max-width: 100%; height: auto; } </style> <script> </script><div id="discoverside_ajax" class="w-100 ajaxv2-element" style="background-color:#f3f3f3" data-modtype="articles_category" data-modname="ARTICLESCATEGORY-DISCOVER-SIDEBAR-ALL-IFA" data-rcal="w-100" data-rcor="" data-onready="1" > <div class="module-loader-container " style='height: 471px' > <div class='module-loader'></div> </div> </div> <div id="videoseries_side_ajax" class="w-100 ajaxv2-element" style="background-color:#f3f3f3" data-modtype="articles_category" data-modname="ifa Educational Hub Side module" data-rcal="w-100" data-rcor="" data-onready="1" > <div class="module-loader-container " style='height: 420px' > <div class='module-loader'></div> </div> </div> <script> var tags = ''; </script> <script type="text/javascript"> document.addEventListener('DOMContentLoaded', function() { var zoneArray = []; zoneArray.push(254117); var typesArray = { desktop: [5], tablet: [5], mobile: [5], }; var kevelDivId = '#momentum-azk56700-zoneunit'; changePlacements(1174487, 10860, true, kevelDivId, typesArray, zoneArray, window.CLIENT_IP, null, 1, '', tags); }); </script> <div id="momentum-azk56700-zoneunit"></div> <style> #momentum-azk56700-zoneunit { width: fit-content; margin: 0 auto 5px; } #momentum-azk56700-zoneunit img { max-width: 100%; height: auto; } </style> <script> </script> <div id="latest-poll-container" class="b-poll card"> <h1 class="b-poll_header">Polls</h1> <h4 class="b-poll__title">Do you have clients that would be impacted by the proposed Division 296 $3 million super tax?</h4> <div class="b-poll__detail b-poll__results">  <h4 class="poll-item-status">Poll has ended.</h4> <div class="b-poll__results__options"> <div class="b-poll__results__options__text">Yes, lots of clients</div> </div> <div class="b-poll__results__pic"> <div class="b-poll__results__pic__bar" style="width: 17.4%; background-color: #000000"> <span>17.4%</span> </div> </div> <div class="b-poll__results__options"> <div class="b-poll__results__options__text">Yes, but just a few</div> </div> <div class="b-poll__results__pic"> <div class="b-poll__results__pic__bar" style="width: 44.3%; background-color: #000000"> <span>44.3%</span> </div> </div> <div class="b-poll__results__options"> <div class="b-poll__results__options__text">Not sure yet</div> </div> <div class="b-poll__results__pic"> <div class="b-poll__results__pic__bar" style="width: 3.4%; background-color: #000000"> <span>3.4%</span> </div> </div> <div class="b-poll__results__options"> <div class="b-poll__results__options__text">No, but some are close</div> </div> <div class="b-poll__results__pic"> <div class="b-poll__results__pic__bar" style="width: 9.8%; background-color: #000000"> <span>9.8%</span> </div> </div> <div class="b-poll__results__options"> <div class="b-poll__results__options__text">None</div> </div> <div class="b-poll__results__pic"> <div class="b-poll__results__pic__bar" style="width: 25.2%; background-color: #000000"> <span>25.2%</span> </div> </div>  </div> <div class="b-poll poll-link"><a href="/polls/client-div-296-impact" class="cta-view-all">See details <img src="https://www.ifa.com.au/media/templates/site/momentum/images/view-all-thick_w17bmn.svg" alt="view all thick" class="view-all-thick" width="10" height="10"></a></div> </div> <script> jQuery(document).ready(function() { jQuery('#voteBtn').on('click',function(){ //get checked radio button let checkedOpt = jQuery('input[name="poll-option"]:checked').val(); let request = { 'option' : 'com_ajax', 'plugin' : 'poll', 'pollId' : '4', 'optId' : checkedOpt, 'format' : 'json' }; jQuery.ajax({method: "POST",url: "/index.php",data: request}).done(function(data){ let result = data.data[0]; result = JSON.parse(result); if(result.state) { //replace poll with result let resultData = result.data; let pollclass = 'b-poll__results'; let poll = jQuery('.'+pollclass); poll.empty(); let count = 0; let resultString = ''; let votesTotal = 0; $.each(resultData.votes,function(){votesTotal+=parseFloat(this) || 0;}); // resultString += '<p class="b-poll_desc"></p>' for(let i = 0; i < resultData.title.length; i++) { let percent = ((resultData.votes[i]/votesTotal)*100).toFixed(2); resultString += '<div class="'+pollclass+'__options">'; resultString += '<div class="'+pollclass+'__options__text">'+resultData.title[count]+'</div>'; resultString += '</div>'; // resultString += '<div class="'+pollclass+'__results__percentage" role="progressbar" style="width: '+percent+'%; background-color:'+resultData.color[count]+'" aria-valuenow="'+resultData.votes[count]+'" aria-valuemin="0" aria-valuemax="100">'+percent+'%</div>'; resultString += '<div class="'+pollclass+'__pic">'; resultString += '<div class="'+pollclass+'__pic__bar" style="width: '+percent+'%; background-color:'+resultData.color[count]+'" aria-valuenow="'+resultData.votes[count]+'" aria-valuemin="0" aria-valuemax="100"><span>'+percent+'%</span></div>'; resultString += '</div>'; // resultString += '<label>'+resultData.title[count]+'</label>'; // resultString += '<div class="progress"><div class="progress-bar" role="progressbar" style="width: '+percent+'%; background-color:'+resultData.color[count]+'" aria-valuenow="'+resultData.votes[count]+'" aria-valuemin="0" aria-valuemax="100">'+percent+'%</div></div>'; count++; } // resultString += '<div class="poll-total-votes"><b>Total Votes</b>: '+votesTotal+'</div>'; poll.html(resultString); } else { alert(result.error); } }); }); jQuery('.b-poll .poll-option').click(function() { var radioInput = jQuery(this).find('.radio-wrapper input'); radioInput.prop('checked', true); }); }); </script><div id="eventsside_ajax" class="w-100 ajaxv2-element" style="background-color:#f3f3f3" data-modtype="mod_custom" data-modname="CUSTOM-EVENTS-SIDEBAR-ALL-IFA" data-rcal="w-100" data-rcor="" data-onready="1" > <div class="module-loader-container " style='height: 471px' > <div class='module-loader'></div> </div> </div> </aside> </div> <div class="b-gutterzoneend"></div> <div class="footer-cointaner"> <div class="subfooter-container"> <div class="row1"> <div class="subrow1-1"> <a href="https://www.ifa.com.au/"> <img src="https://www.ifa.com.au/media/templates/site/momentum/images/ifa-reverse.svg" alt="IFA logo" width="55" height="40" loading="lazy" /> </a> </div> <div class="subrow1-2"> <ul> <li><a href="/news">News</a></li> <li><a href="/strategy">Strategy</a></li> <li><a href="/opinion">Opinion</a></li> <li><a href="/podcast">Podcast</a></li> <li><a href="/risk">Risk</a></li> <li><a href="/events">Events</a></li> </ul> <a href="/search" aria-label="Search"> <i class="fa fa-search"></i> </a> </div> </div> <div class="row2 col-md-12 col-sm-12 col-xs-12"> </div> <div class="row3-container"> <div class="row3"> <div class="subrow3-1"> <h3>OUR PLATFORMS AND BRANDS</h3> <ul> <li><a href="https://www.adviserinnovation.com.au/" target="_blank">Adviser Innovation</a></li> <li><a href="https://www.fintechbusiness.com/" target="_blank">Fintech Business</a></li> <li><a href="https://www.ifa.com.au/" target="_blank">Independent Financial Adviser</a></li> <li><a href="https://investmentcentre.moneymanagement.com.au/" target="_blank">Investment Centre</a></li> <li><a href="https://www.investordaily.com.au/" target="_blank">Investor Daily</a></li> <li><a href="https://www.moneymanagement.com.au/" target="_blank">Money Management</a></li> <li><a href="https://www.smsfadviser.com/" target="_blank">SMSF Adviser</a></li> <li><a href="https://www.superreview.com.au/" target="_blank">Super Review</a></li> </ul> </div> <div class="subrow3-2"> <h3>EVENTS AND SUMMITS</h3> <ul class="event-links"> <li><a href="https://www.aisummit.com.au/" target="_blank">Adviser Innovation Summit</a></li> <li><a href="https://www.australianwealthmanagementawards.com.au/" target="_blank">Australian Wealth Management Awards</a></li> <li><a href="https://www.australianwealthmanagementsummit.com.au/" target="_blank">Australian Wealth Management Summit</a></li> <li><a href="https://www.fundmanageroftheyear.com.au/" target="_blank">Fund Manager of the Year Awards</a></li> <li><a href="https://www.ifa.com.au/excellence-awards/" target="_blank">ifa Excellence Awards</a></li> <li><a href="https://www.smsfadviser.com/technical-strategy-day/" target="_blank">SMSF Technical Strategy Day</a></li> <li><a href="https://www.superfundoftheyear.com.au/" target="_blank">Super Fund of the Year Awards</a></li> </ul> </div> <div class="subrow3-3"> <ul style="margin-top: 10px;display: none;"> </ul> <h3 class="footer-heading-3">PODCASTS</h3> <ul> <li><a href="https://www.moneymanagement.com.au/relative-return" target="_blank">Relative Return</a></li> <li><a href="https://www.ifa.com.au/podcast" target="_blank">The ifa Show</a></li> </ul> </div> <div class="subrow3-4"> <h3 class="footer-heading-3">LINKS</h3> <ul> <li><a href="/about-us">About Us</a></li> <li><a href="/advertise-with-ifa">Advertise</a></li> <li><a href="/contact">Contact</a></li> <li><a href="/sitemap">Sitemap</a></li> </ul> <h3 class="footer-heading-3" style="margin-top: 20px !important;">STAY CONNECTED</h3> <p>Get the latest news! Subscribe to the ifa bulletin</p> <form method="post" action="https://ifa.us5.list-manage.com/subscribe/post?u=b5150547bc871ea4865df93c3&id=c88632474e" name="mc-embedded-subscribe-form" id="mc-embedded-subscribe-form" class="validate" target="_blank" > <div class="f-all-left w-all-40p"> <a href="/subscribe"><input type="submit" value="SUBSCRIBE" name="subscribe" class="btn-footer-subscribe email-button resetBtn cl-all-FFF lh-all-50px w-all-100p tt-all-uppercase opc-all-hover-0d7 fs-all-14px fw-bold"></a> </div> <input type="hidden" value="AA" name="MMCOMP" id="mce-MMCOMP"> <div id="mce-responses" class="clear"> <div class="response" id="mce-error-response" style="display:none"></div> <div class="response" id="mce-success-response" style="display:none"></div> </div> <div style="position: absolute; left: -5000px;" aria-hidden="true"> <input type="text" name="b_b5150547bc871ea4865df93c3_c88632474e" tabindex="-1" value=""> </div> <input type="hidden" value="AA" name="MMCOMP" id="mce-MMCOMP"> </form> <ul class="social"> <li><a href="https://www.facebook.com/ifaOnlineAu" target="_blank" rel="nofollow" aria-label="Facebook"><i class="fab fa-facebook-f"></i></a></li> <li><a href="https://x.com/IFA_AU" target="_blank" rel="nofollow" aria-label="Twitter"><i class="fab fa-twitter-x"></i></a></li> <li><a href="https://www.linkedin.com/company/independent-financial-adviser-ifa-/" target="_blank" rel="nofollow" aria-label="Linkedin"><i class="fab fa-linkedin-in"></i></a></li> <li><a href="https://www.instagram.com/ifaonlineau/" target="_blank" rel="nofollow" aria-label="Instagram"><i class="fab fa-instagram"></i></a></li> <li><a href="https://www.youtube.com/channel/UCaT_D3tLyNyPBWGGJd6-JKg" target="_blank" rel="nofollow" aria-label="Youtube"><i class="fab fa-youtube"></i></a></li> </ul> </div> </div> </div> <div class="row4"> <div style="width: 50%;float: left;color: #FFFFFF;"> </div> <div style="width:50%;float:left;text-align: right;color: #FFFFFF;"> <a href="/copyright-legal-and-disclaimers" style="color: #FFFFFF;text-decoration: none;">Copyright & Disclaimers</a> ● <a href="/privacy-statement" style="color: #FFFFFF;text-decoration: none;">Privacy Policy</a> ● <a href="/terms-and-conditions" style="color: #FFFFFF;text-decoration: none;">Terms & Conditions</a> </div> </div> </div> </div> <div class="mob-footer"> <div class="col-md-12 col-sm-12 col-xs-12 mob-footer-logo" style="text-align: center;"> <a href="/" target="_blank"> <img loading="lazy" src="https://www.ifa.com.au/media/templates/site/momentum/images/ifa-reverse.webp" alt="IFA" width="55" height="40"> </a> </div> <style type="text/css"> @media only screen and (max-width: 500px) { .afr-foot img { width: 100% !important; } } </style> <div class="f-all-left w-lg-max-33d33333p toggle-cat"> <span class="mobile-arrow"><i class="fa fa-chevron-down"></i></span> <h2 class="fs-all-0d875rem fw-all-700 cl-all-FFF tt-all-uppercase">OUR PLATFORMS AND BRANDS</h2> <ul class="resetList footer-items toggle-items"> <li><a href="https://www.adviserinnovation.com.au/" target="_blank">Adviser Innovation</a></li> <li><a href="https://www.fintechbusiness.com/" target="_blank">Fintech Business</a></li> <li><a href="https://www.ifa.com.au/" target="_blank">Independent Financial Adviser</a></li> <li><a href="https://investmentcentre.moneymanagement.com.au/" target="_blank">Investment Centre</a></li> <li><a href="https://www.investordaily.com.au/" target="_blank">Investor Daily</a></li> <li><a href="https://www.moneymanagement.com.au/" target="_blank">Money Management</a></li> <li><a href="https://www.smsfadviser.com/" target="_blank">SMSF Adviser</a></li> <li><a href="https://www.superreview.com.au/" target="_blank">Super Review</a></li> </ul> </div> <div class="f-all-left w-lg-max-33d33333p toggle-cat"> <span class="mobile-arrow"><i class="fa fa-chevron-down"></i></span> <h2 class="fs-all-0d875rem fw-all-700 cl-all-FFF tt-all-uppercase">EVENTS AND SUMMITS</h2> <ul class="resetList footer-items toggle-items"> <li><a href="https://www.aisummit.com.au/" target="_blank">Adviser Innovation Summit</a></li> <li><a href="https://www.australianwealthmanagementawards.com.au/" target="_blank">Australian Wealth Management Awards</a></li> <li><a href="https://www.australianwealthmanagementsummit.com.au/" target="_blank">Australian Wealth Management Summit</a></li> <li><a href="https://www.fundmanageroftheyear.com.au/" target="_blank">Fund Manager of the Year Awards</a></li> <li><a href="https://www.ifa.com.au/excellence-awards/" target="_blank">ifa Excellence Awards</a></li> <li><a href="https://www.smsfadviser.com/technical-strategy-day/" target="_blank">SMSF Technical Strategy Day</a></li> <li><a href="https://www.superfundoftheyear.com.au/" target="_blank">Super Fund of the Year Awards</a></li> </ul> </div> <div class="f-all-left w-lg-max-33d33333p toggle-cat"> <span class="mobile-arrow"><i class="fa fa-chevron-down"></i></span> <h2 class="fs-all-0d875rem fw-all-700 cl-all-FFF tt-all-uppercase">PODCASTS</h2> <ul class="resetList footer-items toggle-items"> <li><a href="https://www.moneymanagement.com.au/relative-return" target="_blank">Relative Return</a></li> <li><a href="https://www.ifa.com.au/podcast" target="_blank">The ifa Show</a></li> </ul> </div> <div class="f-all-left w-lg-max-33d33333p toggle-cat"> <span class="mobile-arrow"><i class="fa fa-chevron-down"></i></span> <h2 class="fs-all-0d875rem fw-all-700 cl-all-FFF tt-all-uppercase mb-all-20px">LINKS</h2> <ul class="resetList footer-items toggle-items"> <li><a href="/about-us">About Us</a></li> <li><a href="/advertise-with-ifa">Advertise</a></li> <li><a href="/contact">Contact</a></li> <li><a href="/sitemap">Sitemap</a></li> <li><a href="https://www.ifa.com.au/copyright-legal-and-disclaimers">Copyright & Disclaimers</a></li> <li><a href="https://www.ifa.com.au/privacy-statement">Privacy Policy</a></li> <li><a href="https://www.ifa.com.au/terms-and-conditions">Terms & Conditions</a></li> </ul> </div> <div class="f-all-left w-lg-max-33d33333p toggle-cat"> <span class="mobile-arrow"><i class="fa fa-chevron-down"></i></span> <h2 class="fs-all-0d875rem fw-all-700 cl-all-FFF tt-all-uppercase mb-all-20px">CATEGORIES</h2> <ul class="resetList footer-items toggle-items"> <li class="b_tmn"> <a href="/news" class="b-tmn">News</a> </li> <li class="b_tmn"> <a href="/strategy" class="b-tmn">Strategy</a> </li> <li class="b_tmn"> <a href="/opinion" class="b-tmn">Opinion</a> </li> <li class="b_tmn"> <a href="/podcast" class="b-tmn">Podcast</a> </li> <li class="b_tmn"> <a href="/risk" class="b-tmn">Risk</a> </li> <li class="b_tmn"> <a href="/events" class="b-tmn">Events</a> </li> </ul> </div> <div class="b_szr footsign" style="text-align: center;"> <h2 class="fs-all-0d875rem fw-all-700 cl-all-FFF tt-all-uppercase mb-all-20px">STAY CONNECTED</h2> <a href="/subscribe" class="btn-footer-subscribe"><button class="footerSignup btn-footer-subscribe">SUBSCRIBE NOW</button></a> </div> <div class="col-md-12 col-sm-12 col-xs-12 mob-footer-social"> <ul class="b-header-social b-header-social2"> <li><a href="https://www.facebook.com/ifaOnlineAu" target="_blank" rel="nofollow" aria-label="Facebook"><i class="fab fa-facebook-f"></i></a></li> <li><a href="https://x.com/IFA_AU" target="_blank" rel="nofollow" aria-label="Twitter"><i class="fab fa-twitter-x"></i></a></li> <li><a href="https://www.linkedin.com/company/independent-financial-adviser-ifa-/" target="_blank" rel="nofollow" aria-label="Linkedin"><i class="fab fa-linkedin-in"></i></a></li> <li><a href="https://www.instagram.com/ifaonlineau/" target="_blank" rel="nofollow" aria-label="Instagram"><i class="fab fa-instagram"></i></a></li> <li><a href="https://www.youtube.com/channel/UCaT_D3tLyNyPBWGGJd6-JKg" target="_blank" rel="nofollow" aria-label="Youtube"><i class="fab fa-youtube"></i></a></li> </ul> </div> </div> <style type="text/css"> .footer-heading-3 { margin: 0 0px 15px !important; } .footer-cointaner { background: #000000; width: 100%; float: left; padding-bottom: 20px } .footer-cointaner .subfooter-container .row1 { padding: 30px 15px; max-width: 1200px; margin: 0 auto; zoom: 1 } .footer-cointaner .subfooter-container .row1 .subrow1-1 { width: 50%; float: left } .footer-cointaner .subfooter-container .row1 .subrow1-2 { width: 50%; float: left; text-align: right } .footer-cointaner .subfooter-container .row1 .subrow1-2 a { color: #fff; font-size: 20px } .footer-cointaner .subfooter-container ul { list-style: none; padding-left: 0; margin-bottom: 0 } .footer-cointaner .subfooter-container .row2 ul li { display: inline-block } .footer-cointaner .subfooter-container ul li a { color: #fff; text-decoration: none } .footer-cointaner .subfooter-container .row2 { width: 100%; float: left; padding: 20px 15px; border-top: solid 1px #fff; border-bottom: solid 1px #fff; margin-top: 20px; margin-bottom: 20px } .footer-cointaner .subfooter-container .row2 ul { max-width: 1200px; margin: 0 auto; zoom: 1; padding-left: 15px; padding-right: 15px } .footer-cointaner .subfooter-container .row2 li { padding-right: 25px } .footer-cointaner .subfooter-container .row2 li a { font-weight: 600; font-size: 17px } .footer-cointaner .subfooter-container .row3 { max-width: 1200px; margin: 0 auto; zoom: 1; padding-left: 15px; padding-right: 15px } .footer-cointaner .subfooter-container .subrow3-1 { width: 25%; float: left } .footer-cointaner .subfooter-container .subrow3-2 { width: 25%; float: left } .footer-cointaner .subfooter-container .subrow3-3 { width: 25%; float: left } .footer-cointaner .subfooter-container .subrow3-4 { width: 25%; float: left } .footer-cointaner .subfooter-container .row3 h3 { color: #fff; font-weight: 600; font-size: 16px } .footer-cointaner .subfooter-container .row3 li { padding-bottom: 5px } .footer-cointaner .subfooter-container .row3 ul li a { font-size: 14px } .footer-cointaner .subfooter-container .row3 .subrow3-4 p { color: #fff; font-size: 16px } .footer-cointaner .subfooter-container .row3 .subrow3-4 .input { width: 70%; float: left } .footer-cointaner .subfooter-container .row3 .subrow3-4 .input input { width: 100%; height: 50px; padding-left: 10px } .footer-cointaner .subfooter-container .row3 .subrow3-4 .button { width: 30%; float: left } .footer-cointaner .subfooter-container .row3 .subrow3-4 .button button { width: 100%; height: 50px; background: #E34A4C; border: none } .footer-cointaner .subfooter-container .row3 .subrow3-4 .button button a { color: #fff; text-decoration: none } .footer-cointaner .subfooter-container .row3 .subrow3-4 .social li { display: inline-block; margin-right: 20px } .footer-cointaner .subfooter-container .row3 .subrow3-4 .social { width: 100%; float: left; margin-top: 20px } .footsign, .mob-footer { display: none } .mob-footer { margin-bottom: 20px; width: 100%; float: left; background-color: #1F1F1F } .toggle-cat { border-bottom: 1px solid #fff; padding: 15px 15px; width: 100%; float: left } .mob-footer .cl-all-FFF { color: #fff; text-transform: uppercase; font-weight: 700; font-size: 14px !important; } .footer-items.toggle-items { display: none; margin-bottom: 15px; list-style: none } .footer-items li a { color: #fff; font-size: 15px; text-decoration: none } .footer-items li { padding-bottom: 5px } .mobile-arrow { display: block !important; position: absolute; right: 15px; color: #fff; } .footerSignup { background-color: transparent !important; color: #fff; border: 1px solid #fff; border-radius: 25px; width: 200px; padding: 15px; margin-bottom: 15px } .footsign { padding-bottom: 50px } .mob-footer-social { text-align: center; border-bottom: 1px solid #fff; padding-bottom: 20px } .mob-footer-social .b-header-social2 { list-style: none; padding-left: 0; margin-top: 0 } .mob-footer-logo { padding-top: 25px; padding-bottom: 25px } .mob-footer-social .b-header-social2 li { display: inline-block; margin-right: 15px } .mob-footer-social .b-header-social2 a { color: #fff } .mob-footer-social .b-header-social2 i { color: #fff; font-size: 20px } @media only screen and (max-width:1000px) { .footsign, .mob-footer { display: block } .footer-cointaner { display: none } } /* new styles */ /* desktop */ .footer-cointaner { padding-bottom: 0; background-color: #000000; } .footer-cointaner .subfooter-container .row1 { padding: 20px 15px; display: flex; align-items: center; } .footer-cointaner .subfooter-container .row1 .subrow1-1 { float: unset; } .footer-cointaner .subfooter-container .row1 .subrow1-2 { float: unset; display: flex; justify-content: flex-end; align-items: center; } .footer-cointaner .subfooter-container .row1 .subrow1-2 a { font-size: 14px; color: #d1d1d1; } .footer-cointaner .subfooter-container .row1 .subrow1-2 ul { display: flex; align-items: center; } .footer-cointaner .subfooter-container .row1 .subrow1-2 ul li { margin-right: 25px; color: #d1d1d1; } .footer-cointaner .subfooter-container .row3-container { border-top: solid 1px #959595; border-bottom: solid 1px #959595; } .footer-cointaner .subfooter-container .row3 { display: flex; padding: 30px 15px 0 15px !important; } .footer-cointaner .subfooter-container .row3 h3 { margin: 0 0 10px; font-size: 14px; font-weight: bold; } .footer-cointaner .subfooter-container .row3 ul li a { color: #d1d1d1; font-size: 14px; } .footer-cointaner .subfooter-container .subrow3-1 { float: unset; } .footer-cointaner .subfooter-container .subrow3-2 { float: unset; } .footer-cointaner .subfooter-container .subrow3-3 { float: unset; } .footer-cointaner .subfooter-container .subrow3-4 { float: unset; } .footer-cointaner .subfooter-container .row3 .subrow3-4 p { font-size: 14px; color: #d1d1d1; } .footer-cointaner .subfooter-container .row3 .subrow3-4 .social { margin-bottom: 40px; } .footer-cointaner .subfooter-container .row3 .subrow3-4 .social li { margin-right: 25px; } .footer-cointaner .subfooter-container .row3 .subrow3-4 .social li:nth-child(n+3) { margin-right: 20px; } .footer-cointaner .subfooter-container .row3 .subrow3-4 .button button a { font-size: 14px; font-weight: bold; } .footer-cointaner .subfooter-container .row4 { max-width: 1200px; margin: 0 auto; zoom: 1; padding: 25px 15px; display: flex; align-items: center; } .footer-cointaner .subfooter-container .row4 p { font-size: 12px; margin: 0; color: #d1d1d1; } /* mobile */ .mob-footer { margin-bottom: unset; padding: unset; background-color: #000000; } .mob-footer-logo { float: unset; padding-top: 15px; padding-bottom: 15px; border-bottom: 1px solid #959595; } .mob-footer-social { float: unset; padding-top: 15px; padding-bottom: 15px; border: 0; } .mob-footer .toggle-cat { float: unset; padding: 15px; border-bottom: 1px solid #959595; } .mob-footer .toggle-cat h2 { font-size: 14px; margin-top: 0; font-weight: bold; } .mob-footer .toggle-cat .mobile-arrow { margin: 0; } .mob-footer .toggle-cat .footer-items li { padding-bottom: 10px; } .mob-footer .toggle-cat .footer-items li a { font-size: 14px; color: #d1d1d1; } .mob-footer .footsign { padding: 15px 15px 0; } .mob-footer .footsign h2 { margin: 0 0 15px; } .mob-footer .footsign .footerSignup { margin-bottom: unset; width: 295px; height: 38px; background-color: #de3336 !important; color: #fff; font-size: 14px; font-weight: bold; border-radius: unset; border: unset; padding: 0; } .mob-footer-social .b-header-social2 { margin-bottom: 0; } .mob-footer-social .b-header-social2 li { margin-right: 25px; } .mob-footer .mob-footer-copyright { background-color: #152A45; padding-bottom : 40px; margin-top : 10px; } .mob-footer .mob-footer-copyright p { text-align: center; font-size: 12px; color: #d1d1d1; margin: 0; } .footer-cointaner form#mc-embedded-subscribe-form .w-all-60p { width: 60%; } .footer-cointaner form#mc-embedded-subscribe-form .w-all-40p { width: 40%; } .footer-cointaner form#mc-embedded-subscribe-form .fw-bold { font-weight: bold !important; } .footer-cointaner form#mc-embedded-subscribe-form .f-all-left { float: left; } .footer-cointaner form#mc-embedded-subscribe-form .resetIpt { display: block; } .footer-cointaner form#mc-embedded-subscribe-form .fs-all-14px { font-size: 14px; } .footer-cointaner form#mc-embedded-subscribe-form .resetBtn, .footer-cointaner form#mc-embedded-subscribe-form .resetIpt, .footer-cointaner form#mc-embedded-subscribe-form .resetLink { line-height: 100%; margin: 0; padding: 0; font-weight: 400; } .footer-cointaner form#mc-embedded-subscribe-form .resetBtn, .footer-cointaner form#mc-embedded-subscribe-form .resetIpt { border: 0; float: none; background: 0 0; cursor: pointer; outline: 0; } .footer-cointaner form#mc-embedded-subscribe-form .p-all-015px { padding: 0 15px; } .footer-cointaner form#mc-embedded-subscribe-form .lh-all-50px { line-height: 50px; } .footer-cointaner form#mc-embedded-subscribe-form .w-all-100p { width: 100%; } .footer-cointaner form#mc-embedded-subscribe-form .bc-all-FFF { background-color: #FFF; } .footer-cointaner form#mc-embedded-subscribe-form .email-button { background-color: #E34A4C; } .footer-cointaner form#mc-embedded-subscribe-form .cl-all-FFF { color: #FFF; } .subfooter-container div:nth-child(2) .row1 div { text-align: center; } @media (max-width:767px) { .mob-footer .row1 img{ max-width:206px; } } </style> <script type="text/javascript"> jQuery(document).ready(function() { // Dropdown toggle fuction jQuery('.toggle-cat').click(function() { jQuery(this).find('ul').slideToggle("fast"); jQuery(this).find('.mobile-arrow i').toggleClass("fa-chevron-up"); }); }); </script> </div>   <script> function ValidateEmail(inputText) { var mailformat = /^\w+([\.-]?\w+)*@\w+([\.-]?\w+)*(\.\w{2,3})+$/; if(inputText.match(mailformat)) { return true; } else { return false; } } async function sha256(message) { // encode as UTF-8 const msgBuffer = new TextEncoder('utf-8').encode(message); // hash the message const hashBuffer = await crypto.subtle.digest('SHA-256', msgBuffer); // convert ArrayBuffer to Array const hashArray = Array.from(new Uint8Array(hashBuffer)); // convert bytes to hex string const hashHex = hashArray.map(b => ('00' + b.toString(16)).slice(-2)).join(''); return hashHex; } jQuery('#mc-embedded-subscribe-form').submit(function(){ var email = jQuery(this).find('input[type=email]')[0].value; if(ValidateEmail(email)) { // sha256(email).then(function(hash){document.cookie = "mcEmail="+hash;}); sha256(email).then(function(hash){document.cookie = "mcEmail="+hash; jQuery("#mce-MMERGEEM").val(hash); jQuery('#mc-embedded-subscribe-form').unbind(); jQuery('#mc-embedded-subscribe-form').submit(); }); } return true; }); jQuery('.fabrikForm').click(function() { var formID = this.id; formID = formID.replace ( /[^\d.]/g, '' ); jQuery(this).find('input').each(function(){ var element = jQuery(this); var label = jQuery("label[for='"+element.attr('id')+"']").text(); // console.log(label); var placeholder = element.attr('placeholder'); if(placeholder != undefined){ if ((placeholder.indexOf('Email') > -1) || (placeholder.indexOf('email') > -1) || (label.indexOf('email') > -1) || (label.indexOf('Email') > -1) ) { var email = element.val(); if(ValidateEmail(email)){ sha256(email).then(function(hash){document.cookie = "fbEmail="+hash;}); sha256(email).then(function(hash){document.cookie = "utm_emailID="+hash+";path=/";}); // console.log(email); } } } }); }); </script>  <style> /* The container */ .fabrikForm .container { display: block; position: relative; padding-left: 35px; margin-bottom: 12px; cursor: pointer; font-size: 16px; -webkit-user-select: none; -moz-user-select: none; -ms-user-select: none; user-select: none; text-align: left; } /* Hide the browser's default checkbox */ .fabrikForm .container input { position: absolute; opacity: 0; cursor: pointer; height: 0; width: 0; } /* Create a custom checkbox */ .fabrikForm .checkmark { position: absolute; top: 0; left: 0; height: 25px; width: 25px; background-color: #eee; } /* On mouse-over, add a grey background color */ .fabrikForm .container:hover input ~ .checkmark { background-color: #ccc; } /* When the checkbox is checked, add a blue background */ .fabrikForm .container input:checked ~ .checkmark { background-color: #2196F3; } /* Create the checkmark/indicator (hidden when not checked) */ .fabrikForm .checkmark:after { content: ""; position: absolute; display: none; } /* Show the checkmark when checked */ .fabrikForm .container input:checked ~ .checkmark:after { display: block; } /* Style the checkmark/indicator */ .fabrikForm .container .checkmark:after { left: 9px; top: 5px; width: 7px; height: 13px; border: solid white; border-width: 0 3px 3px 0; -webkit-transform: rotate(45deg); -ms-transform: rotate(45deg); transform: rotate(45deg); } </style> <script type="text/javascript"> jQuery(document).ready(()=>{ jQuery("form.fabrikForm label.checkbox").addClass("container"); jQuery("form.fabrikForm label.checkbox span").addClass("checkmark"); jQuery("form.fabrikForm label.checkbox").prepend(jQuery("form.fabrikForm label.checkbox span").text()); jQuery("form.fabrikForm label.checkbox span").text(""); }); jQuery(document).ready(()=>{ var observerAjx=function(id, data){ let observer = new IntersectionObserver(function(entries) { if (entries[0].intersectionRatio > 0) { let request = { 'option': 'com_ajax', 'plugin': 'ajaxmodule', 'module_name': `${data.modname}`, 'module_type': `${data.modtype}`, 'format': 'json' }; jQuery.ajax({ type: "GET", url: "/?" + jQuery.param(request), success: function(response) { jQuery('#'+id).html(response).removeClass(data.rcal) .removeAttr('style') .find('div:first').removeClass(data.rcor);; } }); observer.unobserve(entries[0].target); } }, { threshold: [0] }); observer.observe( document.getElementById(id) ); } jQuery('.ajaxv2-element').each(function() { let data = jQuery(this).data(); observerAjx(jQuery(this).attr('id') ,data); }); }); </script> <script> function zonesIsMobile() { if(/Android|webOS|iPhone|iPad|iPod|BlackBerry|IEMobile|Opera Mini/i.test(navigator.userAgent)) { return true } return false; } if (zonesIsMobile()) { const gutters = document.getElementById("b-gutterzone-zoneunit"); gutters.remove(); const popup = document.getElementById("mmk-popup-screen"); popup.remove(); // const leaderboard = document.getElementById("b-topLeaderboard-zoneunit"); // leaderboard.remove(); } else { const interscroller = document.getElementById("interscroller-zoneunit"); if (interscroller != null) { interscroller.remove(); } const tabletSkinBlock = document.getElementById("tabletSkinBlock-zoneunit"); if (tabletSkinBlock != null) { tabletSkinBlock.remove(); } } if (zonesIsMobile()){ jQuery('.mob-lazy').attr('loading', 'lazy'); } </script> </body> </html>