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130			.a-stats a.a-stats__link:hover {
131				filter: brightness(110%);
132				box-shadow: 0 4px 12px rgba(0, 0, 0, 0.06), 0 0 2px rgba(0, 0, 0, 0.16);
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135			.a-stats .count {
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146<link rel='stylesheet' id='js_composer_front-css' href='https://riskinfo.com.au/news/wp-content/plugins/js_composer/assets/css/js_composer.min.css?ver=5.4.5' media='all' />
147<link rel='stylesheet' id='td-theme-css' href='https://riskinfo.com.au/news/wp-content/themes/Newspaper/style.css?ver=10.2' media='all' />
148<style id="td-theme-inline-css">
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150        @media (max-width: 767px) {
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164<link rel='stylesheet' id='td-theme-child-css' href='https://riskinfo.com.au/news/wp-content/themes/riskinfoAU/style.css?ver=10.2c' media='all' />
165<link rel='stylesheet' id='td-legacy-framework-front-style-css' href='https://riskinfo.com.au/news/wp-content/plugins/td-composer/legacy/Newspaper/assets/css/td_legacy_main.css?ver=819b7f9b02b0195f80e3eab970f44973x' media='all' />
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168<script id="adrotate-clicker-js-extra">
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172
173<script id="bg-ads-post-main-js-extra">
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177<script id="bg-ads-post-main-js" src="https://riskinfo.com.au/news/wp-content/plugins/headers-post/js/main.js?ver=1"></script>
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177
178<script id="jquery-core-js" src="https://riskinfo.com.au/news/wp-includes/js/jquery/jquery.min.js?ver=3.7.1"></script>
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183<script id="jquery-fullscreen-js" src="https://riskinfo.com.au/news/wp-content/plugins/photo-gallery/js/jquery.fullscreen.min.js?ver=0.6.0"></script>
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183
184<script id="bwg_frontend-js-extra">
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186//# sourceURL=bwg_frontend-js-extra
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187
188<script id="bwg_frontend-js" src="https://riskinfo.com.au/news/wp-content/plugins/photo-gallery/js/scripts.min.js?ver=1.8.35"></script>
188
189
190<!-- Google tag (gtag.js) snippet added by Site Kit -->
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192<!-- Google Analytics snippet added by Site Kit -->
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192
193<script id="google_gtagjs-js" src="https://www.googletagmanager.com/gtag/js?id=
193GT-TBBCVJW
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193" async></script>
194<script id="google_gtagjs-js-after">
195window.dataLayer = window.dataLayer || [];function gtag(){dataLayer.push(arguments);}
196gtag("set","linker",{"domains":["riskinfo.com.au"]});
197gtag("js", new Date());
198gtag("set", "developer_id.dZTNiMT", true);
199gtag("config", "GT-TBBCVJW");
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204<link rel="https://api.w.org/" href="https://riskinfo.com.au/news/wp-json/" /><link rel="alternate" title="JSON" type="application/json" href="https://riskinfo.com.au/news/wp-json/wp/v2/pages/77243" /><link rel="EditURI" type="application/rsd+xml" title="RSD" href="https://riskinfo.com.au/news/xmlrpc.php?rsd" />
205<link rel="canonical" href="https://riskinfo.com.au/news/home/" />
206<link rel='shortlink' href='https://riskinfo.com.au/news/?p=77243' />
207<meta name="generator" content="Site Kit by Google 1.152.1" />
208<!-- This site is using AdRotate Professional v5.19.1 to display their advertisements - https://ajdg.solutions/ -->
209<!-- AdRotate CSS -->
210<style type="text/css" media="screen">
211	.g { margin:0px; padding:0px; overflow:hidden; line-height:1; zoom:1; }
212	.g img { height:auto; }
213	.g-col { position:relative; float:left; }
214	.g-col:first-child { margin-left: 0; }
215	.g-col:last-child { margin-right: 0; }
216	.g-wall { display:block; position:fixed; left:0; top:0; width:100%; height:100%; z-index:-1; }
217	.woocommerce-page .g, .bbpress-wrapper .g { margin: 20px auto; clear:both; }
218	.g-1 { margin:1px 1px 1px 1px; float:right; clear:right; }
219	.g-2 { min-width:1px; max-width:302px; }
220	.b-2 { margin:1px 10px 1px 1px; }
221	.g-3 { min-width:1px; max-width:302px; }
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223	.g-4 { margin:1px 1px 1px 1px; }
224	.g-5 { margin:1px 1px 1px 1px; }
225	.g-6 { margin:1px 1px 1px 1px; }
226	.g-7 { margin:1px 1px 1px 1px; }
227	.g-8 { min-width:1px; max-width:302px; }
228	.b-8 { margin:1px 10px 1px 1px; }
229	.g-9 { margin:1px 1px 1px 1px; }
230	.g-10 { margin:1px 1px 1px 1px; }
231	.g-11 { margin:1px 1px 1px 1px; }
232	.g-12 { margin:1px 1px 1px 1px; }
233	.g-13 { margin:1px 1px 1px 1px; }
234	.g-19 { min-width:0px; max-width:300px; float:right; clear:right; }
235	.b-19 { margin:0px 0px 10px 0px; }
236	.g-22 { margin:0px 0px 20px 0px; }
237	.g-23 {  margin: 0 auto; }
238	.g-24 {  margin: 0 auto; }
239	@media only screen and (max-width: 480px) {
240		.g-col, .g-dyn, .g-single { width:100%; margin-left:0; margin-right:0; }
241		.woocommerce-page .g, .bbpress-wrapper .g { margin: 10px auto; }
242	}
243</style>
244<!-- /AdRotate CSS -->
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246            <style id="wpp-loading-animation-styles">@-webkit-keyframes bgslide{from{background-position-x:0}to{background-position-x:-200%}}@keyframes bgslide{from{background-position-x:0}to{background-position-x:-200%}}.wpp-widget-block-placeholder,.wpp-shortcode-placeholder{margin:0 auto;width:60px;height:3px;background:#dd3737;background:linear-gradient(90deg,#dd3737 0%,#571313 10%,#dd3737 100%);background-size:200% auto;border-radius:3px;-webkit-animation:bgslide 1s infinite linear;animation:bgslide 1s infinite linear}</style>
247            <!--[if lt IE 9]>
247<script src="https://cdnjs.cloudflare.com/ajax/libs/html5shiv/3.7.3/html5shiv.js"></script>
247<![endif]-->
248        
248<script>
249        window.tdb_globals = {"wpRestNonce":"ca5eccaf5d","wpRestUrl":"https:\/\/riskinfo.com.au\/news\/wp-json\/","permalinkStructure":"\/%year%\/%monthnum%\/%day%\/%postname%\/","isAjax":false,"isAdminBarShowing":false,"autoloadScrollPercent":50};
250    </script>
250
251    			
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253			</script>
253
254			<meta name="google-site-verification" content="TcBhckX87cnPrd9MyVrwSubVKSOYGRVc2zXE8Kefjp4"><meta name="generator" content="Powered by WPBakery Page Builder - drag and drop page builder for WordPress."/>
255<!--[if lte IE 9]><link rel="stylesheet" type="text/css" href="https://riskinfo.com.au/news/wp-content/plugins/js_composer/assets/css/vc_lte_ie9.min.css" media="screen"><![endif]-->
256<!-- JS generated by theme -->
257
258<script>
259    
260    
261
262	    var tdBlocksArray = []; //here we store all the items for the current page
263
264	    //td_block class - each ajax block uses a object of this class for requests
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298            if ( /(iPad|iPhone|iPod)/g.test(navigator.userAgent) ) {
299                htmlTag.className += ' td-md-is-ios';
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327        })();
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329
330
331
332        var tdLocalCache = {};
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360var td_get_template_directory_uri="https:\/\/riskinfo.com.au\/news\/wp-content\/plugins\/td-composer\/legacy\/common";
361var tds_snap_menu="";
362var tds_logo_on_sticky="show_header_logo";
363var tds_header_style="6";
364var td_please_wait="Please wait...";
365var td_email_user_pass_incorrect="User or password incorrect!";
366var td_email_user_incorrect="Email or username incorrect!";
367var td_email_incorrect="Email incorrect!";
368var tds_more_articles_on_post_enable="";
369var tds_more_articles_on_post_time_to_wait="";
370var tds_more_articles_on_post_pages_distance_from_top=0;
371var tds_theme_color_site_wide="#ff9900";
372var tds_smart_sidebar="enabled";
373var tdThemeName="Newspaper";
374var td_magnific_popup_translation_tPrev="Previous (Left arrow key)";
375var td_magnific_popup_translation_tNext="Next (Right arrow key)";
376var td_magnific_popup_translation_tCounter="%curr% of %total%";
377var td_magnific_popup_translation_ajax_tError="The content from %url% could not be loaded.";
378var td_magnific_popup_translation_image_tError="The image #%curr% could not be loaded.";
379var tdBlockNonce="cb01c06e41";
380var tdDateNamesI18n={"month_names":["January","February","March","April","May","June","July","August","September","October","November","December"],"month_names_short":["Jan","Feb","Mar","Apr","May","Jun","Jul","Aug","Sep","Oct","Nov","Dec"],"day_names":["Sunday","Monday","Tuesday","Wednesday","Thursday","Frid
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381var td_ad_background_click_link="";
382var td_ad_background_click_target="";
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383
384
385
386<!-- Header style compiled by theme -->
387
388<style>
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390.td-header-wrap .black-menu .sf-menu > .current-menu-item > a,
391    .td-header-wrap .black-menu .sf-menu > .current-menu-ancestor > a,
392    .td-header-wrap .black-menu .sf-menu > .current-category-ancestor > a,
393    .td-header-wrap .black-menu .sf-menu > li > a:hover,
394    .td-header-wrap .black-menu .sf-menu > .sfHover > a,
395    .sf-menu > .current-menu-item > a:after,
396    .sf-menu > .current-menu-ancestor > a:after,
397    .sf-menu > .current-category-ancestor > a:after,
398    .sf-menu > li:hover > a:after,
399    .sf-menu > .sfHover > a:after,
400    .header-search-wrap .td-drop-down-search:after,
401    .header-search-wrap .td-drop-down-search .btn:hover,
402    input[type=submit]:hover,
403    .td-read-more a,
404    .td-post-category:hover,
405    .td_top_authors .td-active .td-author-post-count,
406    .td_top_authors .td-active .td-author-comments-count,
407    .td_top_authors .td_mod_wrap:hover .td-author-post-count,
408    .td_top_authors .td_mod_wrap:hover .td-author-comments-count,
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410    .td-search-form-widget .wpb_button:hover,
411    .td-rating-bar-wrap div,
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413    .td_wrapper_video_playlist .td_video_controls_playlist_wrapper,
414    .wpb_default,
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417    .td-right-smart-list:hover,
418    .woocommerce-checkout .woocommerce input.button:hover,
419    .woocommerce-page .woocommerce a.button:hover,
420    .woocommerce-account div.woocommerce .button:hover,
421    #bbpress-forums button:hover,
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423    .td-footer-wrapper .td-post-category,
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426    .woocommerce .product #respond input#submit:hover,
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464    
465    .td_block_template_4 .td-related-title .td-cur-simple-item,
466    .td_block_template_3 .td-related-title .td-cur-simple-item,
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471    .woocommerce .product .onsale,
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499    .td-author-url a:hover,
500    .comment-reply-link:hover,
501    .logged-in-as a:hover,
502    #cancel-comment-reply-link:hover,
503    .td-search-query,
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505    .td_wp_recentcomments a:hover,
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507    .archive .widget_archive .current a,
508    .widget_calendar tfoot a:hover,
509    .woocommerce a.added_to_cart:hover,
510    .woocommerce-account .woocommerce-MyAccount-navigation a:hover,
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512    #bbpress-forums .bbp-forum-freshness a:hover,
513    #bbpress-forums .bbp-topic-freshness a:hover,
514    #bbpress-forums .bbp-forums-list li a:hover,
515    #bbpress-forums .bbp-forum-title:hover,
516    #bbpress-forums .bbp-topic-permalink:hover,
517    #bbpress-forums .bbp-topic-started-by a:hover,
518    #bbpress-forums .bbp-topic-started-in a:hover,
519    #bbpress-forums .bbp-body .super-sticky li.bbp-topic-title .bbp-topic-permalink,
520    #bbpress-forums .bbp-body .sticky li.bbp-topic-title .bbp-topic-permalink,
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522    .widget_display_topics .bbp-author-name,
523    .td-subfooter-menu li a:hover,
524    a.vc_btn-black:hover,
525    .td-smart-list-dropdown-wrap .td-smart-list-button:hover,
526    .td-instagram-user a,
527    .td-block-title-wrap .td-wrapper-pulldown-filter .td-pulldown-filter-display-option:hover,
528    .td-block-title-wrap .td-wrapper-pulldown-filter .td-pulldown-filter-display-option:hover i,
529    .td-block-title-wrap .td-wrapper-pulldown-filter .td-pulldown-filter-link:hover,
530    .td-block-title-wrap .td-wrapper-pulldown-filter .td-pulldown-filter-item .td-cur-simple-item,
531    .td_block_template_2 .td-related-title .td-cur-simple-item,
532    .td_block_template_5 .td-related-title .td-cur-simple-item,
533    .td_block_template_6 .td-related-title .td-cur-simple-item,
534    .td_block_template_7 .td-related-title .td-cur-simple-item,
535    .td_block_template_8 .td-related-title .td-cur-simple-item,
536    .td_block_template_9 .td-related-title .td-cur-simple-item,
537    .td_block_template_10 .td-related-title .td-cur-simple-item,
538    .td_block_template_11 .td-related-title .td-cur-simple-item,
539    .td_block_template_12 .td-related-title .td-cur-simple-item,
540    .td_block_template_13 .td-related-title .td-cur-simple-item,
541    .td_block_template_14 .td-related-title .td-cur-simple-item,
542    .td_block_template_15 .td-related-title .td-cur-simple-item,
543    .td_block_template_16 .td-related-title .td-cur-simple-item,
544    .td_block_template_17 .td-related-title .td-cur-simple-item,
545    .td-theme-wrap .sf-menu ul .td-menu-item > a:hover,
546    .td-theme-wrap .sf-menu ul .sfHover > a,
547    .td-theme-wrap .sf-menu ul .current-menu-ancestor > a,
548    .td-theme-wrap .sf-menu ul .current-category-ancestor > a,
549    .td-theme-wrap .sf-menu ul .current-menu-item > a,
550    .td_outlined_btn,
551     .td_block_categories_tags .td-ct-item:hover {
552        color: #ff9900;
553    }
554
555    a.vc_btn-black.vc_btn_square_outlined:hover,
556    a.vc_btn-black.vc_btn_outlined:hover {
557        color: #ff9900 !important;
558    }
559
560    .td-next-prev-wrap a:hover,
561    .td-load-more-wrap a:hover,
562    .td-post-small-box a:hover,
563    .page-nav .current,
564    .page-nav:first-child > div,
565    #bbpress-forums .bbp-pagination .current,
566    .post .td_quote_box,
567    .page .td_quote_box,
568    a.vc_btn-black:hover,
569    .td_block_template_5 .td-block-title > *,
570    .td_outlined_btn {
571        border-color: #ff9900;
572    }
573
574    .td_wrapper_video_playlist .td_video_currently_playing:after {
575        border-color: #ff9900 !important;
576    }
577
578    .header-search-wrap .td-drop-down-search:before {
579        border-color: transparent transparent #ff9900 transparent;
580    }
581
582    .block-title > span,
583    .block-title > a,
584    .block-title > label,
585    .widgettitle,
586    .widgettitle:after,
587    .td-trending-now-title,
588    .td-trending-now-wrapper:hover .td-trending-now-title,
589    .wpb_tabs li.ui-tabs-active a,
590    .wpb_tabs li:hover a,
591    .vc_tta-container .vc_tta-color-grey.vc_tta-tabs-position-top.vc_tta-style-classic .vc_tta-tabs-container .vc_tta-tab.vc_active > a,
592    .vc_tta-container .vc_tta-color-grey.vc_tta-tabs-position-top.vc_tta-style-classic .vc_tta-tabs-container .vc_tta-tab:hover > a,
593    .td_block_template_1 .td-related-title .td-cur-simple-item,
594    .woocommerce .product .products h2:not(.woocommerce-loop-product__title),
595    .td-subcat-filter .td-subcat-dropdown:hover .td-subcat-more, 
596    .td_3D_btn,
597    .td_shadow_btn,
598    .td_default_btn,
599    .td_round_btn, 
600    .td_outlined_btn:hover {
601    	background-color: #ff9900;
602    }
603
604    .woocommerce div.product .woocommerce-tabs ul.tabs li.active {
605    	background-color: #ff9900 !important;
606    }
607
608    .block-title,
609    .td_block_template_1 .td-related-title,
610    .wpb_tabs .wpb_tabs_nav,
611    .vc_tta-container .vc_tta-color-grey.vc_tta-tabs-position-top.vc_tta-style-classic .vc_tta-tabs-container,
612    .woocommerce div.product .woocommerce-tabs ul.tabs:before {
613        border-color: #ff9900;
614    }
615    .td_block_wrap .td-subcat-item a.td-cur-simple-item {
616	    color: #ff9900;
617	}
618
619
620    
621    .td-grid-style-4 .entry-title
622    {
623        background-color: rgba(255, 153, 0, 0.7);
624    }
625
626    
627    @media (max-width: 767px) {
628        body .td-header-wrap .td-header-main-menu {
629            background-color: #f2f2f2 !important;
630        }
631    }
632
633
634    
635    @media (max-width: 767px) {
636        body #td-top-mobile-toggle i,
637        .td-header-wrap .header-search-wrap .td-icon-search {
638            color: #000000 !important;
639        }
640    }
641
642    
643    .td-menu-background:before,
644    .td-search-background:before {
645        background: #5e5e5e;
646        background: -moz-linear-gradient(top, #5e5e5e 0%, #bfbfbf 100%);
647        background: -webkit-gradient(left top, left bottom, color-stop(0%, #5e5e5e), color-stop(100%, #bfbfbf));
648        background: -webkit-linear-gradient(top, #5e5e5e 0%, #bfbfbf 100%);
649        background: -o-linear-gradient(top, #5e5e5e 0%, #bfbfbf 100%);
650        background: -ms-linear-gradient(top, #5e5e5e 0%, #bfbfbf 100%);
651        background: linear-gradient(to bottom, #5e5e5e 0%, #bfbfbf 100%);
652        filter: progid:DXImageTransform.Microsoft.gradient( startColorstr='#5e5e5e', endColorstr='#bfbfbf', GradientType=0 );
653    }
654
655    
656    .td-mobile-content .current-menu-item > a,
657    .td-mobile-content .current-menu-ancestor > a,
658    .td-mobile-content .current-category-ancestor > a,
659    #td-mobile-nav .td-menu-login-section a:hover,
660    #td-mobile-nav .td-register-section a:hover,
661    #td-mobile-nav .td-menu-socials-wrap a:hover i,
662    .td-search-close a:hover i {
663        color: #f78f1e;
664    }
665
666    
667    .td-page-header h1,
668    .td-page-title,
669    .woocommerce-page .page-title {
670    	color: #0079c2;
671    }
672
673    
674    .td_module_wrap .td-image-wrap:before {
675        content: '';
676        position: absolute;
677        top: 0;
678        left: 0;
679        width: 100%;
680        height: 100%;
681        background-image: url(https://riskinfoaudev.wpengine.com/news/files/2020/01/RiskInfo-Default-Thumb.jpg);
682        background-repeat: no-repeat;
683        background-size: cover;
684        background-position: center;
685        z-index: -1;
686    }
687
688
689
690    
691    ul.sf-menu > .menu-item > a {
692        font-family:futura-pt;
693	font-size:12px;
694	font-weight:bold;
695	
696    }
697    
698    .sf-menu ul .menu-item a {
699        font-family:futura-pt;
700	font-size:12px;
701	font-weight:bold;
702	
703    }
704    
705    .td-mobile-content .td-mobile-main-menu > li > a {
706        font-family:"Helvetica Neue", Helvetica, Arial, sans-serif;
707	
708    }
709    
710	#td-mobile-nav,
711	#td-mobile-nav .wpb_button,
712	.td-search-wrap-mob {
713		font-family:"Helvetica Neue", Helvetica, Arial, sans-serif;
714	
715	}
716
717
718	
719    .td-page-title,
720    .woocommerce-page .page-title,
721    .td-category-title-holder .td-page-title {
722    	font-family:futura-pt;
723	
724    }
725    
726    .td-page-content p,
727    .td-page-content li,
728    .td-page-content .td_block_text_with_title,
729    .woocommerce-page .page-description > p,
730    .wpb_text_column p {
731    	font-family:"Helvetica Neue", Helvetica, Arial, sans-serif;
732	font-size:16px;
733	
734    }
735    
736    .td-page-content h1,
737    .wpb_text_column h1 {
738    	font-family:futura-pt;
739	
740    }
741    
742    .td-page-content h2,
743    .wpb_text_column h2 {
744    	font-family:futura-pt;
745	
746    }
747    
748    .td-page-content h3,
749    .wpb_text_column h3 {
750    	font-family:futura-pt;
751	
752    }
753    
754    .td-page-content h4,
755    .wpb_text_column h4 {
756    	font-family:futura-pt;
757	
758    }
759    
760    .td-page-content h5,
761    .wpb_text_column h5 {
762    	font-family:futura-pt;
763	
764    }
765    
766    .td-page-content h6,
767    .wpb_text_column h6 {
768    	font-family:futura-pt;
769	
770    }
771
772
773
774	
775    body, p {
776    	font-family:"Helvetica Neue", Helvetica, Arial, sans-serif;
777	font-size:16px;
778	line-height:24px;
779	
780    }.td-header-style-12 .td-header-menu-wrap-full,
781    .td-header-style-12 .td-affix,
782    .td-grid-style-1.td-hover-1 .td-big-grid-post:hover .td-post-category,
783    .td-grid-style-5.td-hover-1 .td-big-grid-post:hover .td-post-category,
784    .td_category_template_3 .td-current-sub-category,
785    .td_category_template_8 .td-category-header .td-category a.td-current-sub-category,
786    .td_category_template_4 .td-category-siblings .td-category a:hover,
787     .td_block_big_grid_9.td-grid-style-1 .td-post-category,
788    .td_block_big_grid_9.td-grid-style-5 .td-post-category,
789    .td-grid-style-6.td-hover-1 .td-module-thumb:after,
790     .tdm-menu-active-style5 .td-header-menu-wrap .sf-menu > .current-menu-item > a,
791    .tdm-menu-active-style5 .td-header-menu-wrap .sf-menu > .current-menu-ancestor > a,
792    .tdm-menu-active-style5 .td-header-menu-wrap .sf-menu > .current-category-ancestor > a,
793    .tdm-menu-active-style5 .td-header-menu-wrap .sf-menu > li > a:hover,
794    .tdm-menu-active-style5 .td-header-menu-wrap .sf-menu > .sfHover > a {
795        background-color: #ff9900;
796    }
797    
798    .td_mega_menu_sub_cats .cur-sub-cat,
799    .td-mega-span h3 a:hover,
800    .td_mod_mega_menu:hover .entry-title a,
801    .header-search-wrap .result-msg a:hover,
802    .td-header-top-menu .td-drop-down-search .td_module_wrap:hover .entry-title a,
803    .td-header-top-menu .td-icon-search:hover,
804    .td-header-wrap .result-msg a:hover,
805    .top-header-menu li a:hover,
806    .top-header-menu .current-menu-item > a,
807    .top-header-menu .current-menu-ancestor > a,
808    .top-header-menu .current-category-ancestor > a,
809    .td-social-icon-wrap > a:hover,
810    .td-header-sp-top-widget .td-social-icon-wrap a:hover,
811    .td_mod_related_posts:hover h3 > a,
812    .td-post-template-11 .td-related-title .td-related-left:hover,
813    .td-post-template-11 .td-related-title .td-related-right:hover,
814    .td-post-template-11 .td-related-title .td-cur-simple-item,
815    .td-post-template-11 .td_block_related_posts .td-next-prev-wrap a:hover,
816    .td-category-header .td-pulldown-category-filter-link:hover,
817    .td-category-siblings .td-subcat-dropdown a:hover,
818    .td-category-siblings .td-subcat-dropdown a.td-current-sub-category,
819    .footer-text-wrap .footer-email-wrap a,
820    .footer-social-wrap a:hover,
821    .td_module_17 .td-read-more a:hover,
822    .td_module_18 .td-read-more a:hover,
823    .td_module_19 .td-post-author-name a:hover,
824    .td-pulldown-syle-2 .td-subcat-dropdown:hover .td-subcat-more span,
825    .td-pulldown-syle-2 .td-subcat-dropdown:hover .td-subcat-more i,
826    .td-pulldown-syle-3 .td-subcat-dropdown:hover .td-subcat-more span,
827    .td-pulldown-syle-3 .td-subcat-dropdown:hover .td-subcat-more i,
828    .tdm-menu-active-style3 .tdm-header.td-header-wrap .sf-menu > .current-category-ancestor > a,
829    .tdm-menu-active-style3 .tdm-header.td-header-wrap .sf-menu > .current-menu-ancestor > a,
830    .tdm-menu-active-style3 .tdm-header.td-header-wrap .sf-menu > .current-menu-item > a,
831    .tdm-menu-active-style3 .tdm-header.td-header-wrap .sf-menu > .sfHover > a,
832    .tdm-menu-active-style3 .tdm-header.td-header-wrap .sf-menu > li > a:hover {
833        color: #ff9900;
834    }
835    
836    .td-mega-menu-page .wpb_content_element ul li a:hover,
837    .td-theme-wrap .td-aj-search-results .td_module_wrap:hover .entry-title a,
838    .td-theme-wrap .header-search-wrap .result-msg a:hover {
839        color: #ff9900 !important;
840    }
841    
842    .td_category_template_8 .td-category-header .td-category a.td-current-sub-category,
843    .td_category_template_4 .td-category-siblings .td-category a:hover,
844    .tdm-menu-active-style4 .tdm-header .sf-menu > .current-menu-item > a,
845    .tdm-menu-active-style4 .tdm-header .sf-menu > .current-menu-ancestor > a,
846    .tdm-menu-active-style4 .tdm-header .sf-menu > .current-category-ancestor > a,
847    .tdm-menu-active-style4 .tdm-header .sf-menu > li > a:hover,
848    .tdm-menu-active-style4 .tdm-header .sf-menu > .sfHover > a {
849        border-color: #ff9900;
850    }
851    
852    
853
854
855    
856    .td-header-wrap .td-header-top-menu-full,
857    .td-header-wrap .top-header-menu .sub-menu,
858    .tdm-header-style-1.td-header-wrap .td-header-top-menu-full,
859    .tdm-header-style-1.td-header-wrap .top-header-menu .sub-menu,
860    .tdm-header-style-2.td-header-wrap .td-header-top-menu-full,
861    .tdm-header-style-2.td-header-wrap .top-header-menu .sub-menu,
862    .tdm-header-style-3.td-header-wrap .td-header-top-menu-full,
863    .tdm-header-style-3.td-header-wrap .top-header-menu .sub-menu {
864        background-color: #eaeaea;
865    }
866    .td-header-style-8 .td-header-top-menu-full {
867        background-color: transparent;
868    }
869    .td-header-style-8 .td-header-top-menu-full .td-header-top-menu {
870        background-color: #eaeaea;
871        padding-left: 15px;
872        padding-right: 15px;
873    }
874
875    .td-header-wrap .td-header-top-menu-full .td-header-top-menu,
876    .td-header-wrap .td-header-top-menu-full {
877        border-bottom: none;
878    }
879
880
881    
882    .td-header-top-menu,
883    .td-header-top-menu a,
884    .td-header-wrap .td-header-top-menu-full .td-header-top-menu,
885    .td-header-wrap .td-header-top-menu-full a,
886    .td-header-style-8 .td-header-top-menu,
887    .td-header-style-8 .td-header-top-menu a,
888    .td-header-top-menu .td-drop-down-search .entry-title a {
889        color: #000000;
890    }
891
892    
893    .td-header-wrap .td-header-sp-top-widget .td-icon-font,
894    .td-header-style-7 .td-header-top-menu .td-social-icon-wrap .td-icon-font {
895        color: #0079c2;
896    }
897
898    
899    .td-header-wrap .td-header-sp-top-widget i.td-icon-font:hover {
900        color: #f78f1e;
901    }
902
903
904    
905    .td-header-wrap .td-header-menu-wrap-full,
906    .td-header-menu-wrap.td-affix,
907    .td-header-style-3 .td-header-main-menu,
908    .td-header-style-3 .td-affix .td-header-main-menu,
909    .td-header-style-4 .td-header-main-menu,
910    .td-header-style-4 .td-affix .td-header-main-menu,
911    .td-header-style-8 .td-header-menu-wrap.td-affix,
912    .td-header-style-8 .td-header-top-menu-full {
913        background-color: #ffffff;
914    }
915    .td-boxed-layout .td-header-style-3 .td-header-menu-wrap,
916    .td-boxed-layout .td-header-style-4 .td-header-menu-wrap,
917    .td-header-style-3 .td_stretch_content .td-header-menu-wrap,
918    .td-header-style-4 .td_stretch_content .td-header-menu-wrap {
919    	background-color: #ffffff !important;
920    }
921    @media (min-width: 1019px) {
922        .td-header-style-1 .td-header-sp-recs,
923        .td-header-style-1 .td-header-sp-logo {
924            margin-bottom: 28px;
925        }
926    }
927    @media (min-width: 768px) and (max-width: 1018px) {
928        .td-header-style-1 .td-header-sp-recs,
929        .td-header-style-1 .td-header-sp-logo {
930            margin-bottom: 14px;
931        }
932    }
933    .td-header-style-7 .td-header-top-menu {
934        border-bottom: none;
935    }
936
937    
938    .td-header-wrap .td-header-menu-wrap .sf-menu > li > a,
939    .td-header-wrap .td-header-menu-social .td-social-icon-wrap a,
940    .td-header-style-4 .td-header-menu-social .td-social-icon-wrap i,
941    .td-header-style-5 .td-header-menu-social .td-social-icon-wrap i,
942    .td-header-style-6 .td-header-menu-social .td-social-icon-wrap i,
943    .td-header-style-12 .td-header-menu-social .td-social-icon-wrap i,
944    .td-header-wrap .header-search-wrap #td-header-search-button .td-icon-search {
945        color: #000000;
946    }
947    .td-header-wrap .td-header-menu-social + .td-search-wrapper #td-header-search-button:before {
948      background-color: #000000;
949    }
950    
951    
952    
953    ul.sf-menu > .td-menu-item > a,
954    .td-theme-wrap .td-header-menu-social {
955        font-family:futura-pt;
956	font-size:12px;
957	font-weight:bold;
958	
959    }
960    
961    .sf-menu ul .td-menu-item a {
962        font-family:futura-pt;
963	font-size:12px;
964	font-weight:bold;
965	
966    }
967    
968    
969    
970    .td-header-menu-wrap.td-affix,
971    .td-header-style-3 .td-affix .td-header-main-menu,
972    .td-header-style-4 .td-affix .td-header-main-menu,
973    .td-header-style-8 .td-header-menu-wrap.td-affix {
974        background-color: #f78f1e;
975    }
976   
977    
978    
979    .td-affix .sf-menu > .current-menu-item > a:after,
980    .td-affix .sf-menu > .current-menu-ancestor > a:after,
981    .td-affix .sf-menu > .current-category-ancestor > a:after,
982    .td-affix .sf-menu > li:hover > a:after,
983    .td-affix .sf-menu > .sfHover > a:after,
984    .td-header-wrap .td-affix .black-menu .sf-menu > li > a:hover,
985    .td-header-wrap .td-affix .black-menu .sf-menu > .current-menu-ancestor > a,
986    .td-header-wrap .td-affix .black-menu .sf-menu > .sfHover > a,
987    .td-affix  .header-search-wrap .td-drop-down-search:after,
988    .td-affix  .header-search-wrap .td-drop-down-search .btn:hover,
989    .td-header-wrap .td-affix  .black-menu .sf-menu > .current-menu-item > a,
990    .td-header-wrap .td-affix  .black-menu .sf-menu > .current-menu-ancestor > a,
991    .td-header-wrap .td-affix  .black-menu .sf-menu > .current-category-ancestor > a,
992    .tdm-menu-active-style5 .tdm-header .td-header-menu-wrap.td-affix .sf-menu > .current-menu-item > a,
993    .tdm-menu-active-style5 .tdm-header .td-header-menu-wrap.td-affix .sf-menu > .current-menu-ancestor > a,
994    .tdm-menu-active-style5 .tdm-header .td-header-menu-wrap.td-affix .sf-menu > .current-category-ancestor > a,
995    .tdm-menu-active-style5 .tdm-header .td-header-menu-wrap.td-affix .sf-menu > li > a:hover,
996    .tdm-menu-active-style5 .tdm-header .td-header-menu-wrap.td-affix .sf-menu > .sfHover > a {
997        background-color: #000000;
998    }
999    .td-affix  .header-search-wrap .td-drop-down-search:before {
1000        border-color: transparent transparent #000000 transparent;
1001    }
1002    .tdm-menu-active-style4 .tdm-header .td-affix .sf-menu > .current-menu-item > a,
1003    .tdm-menu-active-style4 .tdm-header .td-affix .sf-menu > .current-menu-ancestor > a,
1004    .tdm-menu-active-style4 .tdm-header .td-affix .sf-menu > .current-category-ancestor > a,
1005    .tdm-menu-active-style4 .tdm-header .td-affix .sf-menu > li > a:hover,
1006    .tdm-menu-active-style4 .tdm-header .td-affix .sf-menu > .sfHover > a {
1007        border-color: #000000;
1008    }
1009    .td-theme-wrap .td-affix .sf-menu ul .td-menu-item > a:hover,
1010    .td-theme-wrap .td-affix .sf-menu ul .sfHover > a,
1011    .td-theme-wrap .td-affix .sf-menu ul .current-menu-ancestor > a,
1012    .td-theme-wrap .td-affix .sf-menu ul .current-category-ancestor > a,
1013    .td-theme-wrap .td-affix .sf-menu ul .current-menu-item > a,
1014    .tdm-menu-active-style3 .tdm-header .td-affix .sf-menu > .current-menu-item > a,
1015    .tdm-menu-active-style3 .tdm-header .td-affix .sf-menu > .current-menu-ancestor > a,
1016    .tdm-menu-active-style3 .tdm-header .td-affix .sf-menu > .current-category-ancestor > a,
1017    .tdm-menu-active-style3 .tdm-header .td-affix .sf-menu > li > a:hover,
1018    .tdm-menu-active-style3 .tdm-header .td-affix .sf-menu > .sfHover > a {
1019        color: #000000;
1020    }
1021    
1022    .td-header-wrap .td-header-menu-wrap.td-affix .sf-menu > li > a,
1023    .td-header-wrap .td-affix .td-header-menu-social .td-social-icon-wrap a,
1024    .td-header-style-4 .td-affix .td-header-menu-social .td-social-icon-wrap i,
1025    .td-header-style-5 .td-affix .td-header-menu-social .td-social-icon-wrap i,
1026    .td-header-style-6 .td-affix .td-header-menu-social .td-social-icon-wrap i,
1027    .td-header-style-12 .td-affix .td-header-menu-social .td-social-icon-wrap i,
1028    .td-header-wrap .td-affix .header-search-wrap .td-icon-search {
1029        color: #ffffff;
1030    }
1031    .td-header-wrap .td-affix .td-header-menu-social + .td-search-wrapper #td-header-search-button:before {
1032        background-color: #ffffff;
1033    }
1034
1035
1036    
1037    .td-header-wrap .td-header-menu-social .td-social-icon-wrap a {
1038        color: #ffffff;
1039    }
1040    
1041    .td-header-wrap .td-header-menu-social .td-social-icon-wrap:hover i {
1042        color: #000000;
1043    }
1044    
1045    
1046     
1047    .td-banner-wrap-full,
1048    .td-header-style-11 .td-logo-wrap-full {
1049        background-color: #f7f7f7;
1050    }
1051    .td-header-style-11 .td-logo-wrap-full {
1052        border-bottom: 0;
1053    }
1054    @media (min-width: 1019px) {
1055        .td-header-style-2 .td-header-sp-recs,
1056        .td-header-style-5 .td-a-rec-id-header > div,
1057        .td-header-style-5 .td-g-rec-id-header > .adsbygoogle,
1058        .td-header-style-6 .td-a-rec-id-header > div,
1059        .td-header-style-6 .td-g-rec-id-header > .adsbygoogle,
1060        .td-header-style-7 .td-a-rec-id-header > div,
1061        .td-header-style-7 .td-g-rec-id-header > .adsbygoogle,
1062        .td-header-style-8 .td-a-rec-id-header > div,
1063        .td-header-style-8 .td-g-rec-id-header > .adsbygoogle,
1064        .td-header-style-12 .td-a-rec-id-header > div,
1065        .td-header-style-12 .td-g-rec-id-header > .adsbygoogle {
1066            margin-bottom: 24px !important;
1067        }
1068    }
1069    @media (min-width: 768px) and (max-width: 1018px) {
1070        .td-header-style-2 .td-header-sp-recs,
1071        .td-header-style-5 .td-a-rec-id-header > div,
1072        .td-header-style-5 .td-g-rec-id-header > .adsbygoogle,
1073        .td-header-style-6 .td-a-rec-id-header > div,
1074        .td-header-style-6 .td-g-rec-id-header > .adsbygoogle,
1075        .td-header-style-7 .td-a-rec-id-header > div,
1076        .td-header-style-7 .td-g-rec-id-header > .adsbygoogle,
1077        .td-header-style-8 .td-a-rec-id-header > div,
1078        .td-header-style-8 .td-g-rec-id-header > .adsbygoogle,
1079        .td-header-style-12 .td-a-rec-id-header > div,
1080        .td-header-style-12 .td-g-rec-id-header > .adsbygoogle {
1081            margin-bottom: 14px !important;
1082        }
1083    }
1084    
1085    
1086    
1087    .post .td-post-header .entry-title {
1088        color: #0079c2;
1089    }
1090    .td_module_15 .entry-title a {
1091        color: #0079c2;
1092    }
1093
1094    
1095    .td-post-content h1,
1096    .td-post-content h2,
1097    .td-post-content h3,
1098    .td-post-content h4,
1099    .td-post-content h5,
1100    .td-post-content h6 {
1101    	color: #0079c2;
1102    }
1103
1104    
1105    .block-title > span,
1106    .block-title > a,
1107    .widgettitle,
1108    .td-trending-now-title,
1109    .wpb_tabs li a,
1110    .vc_tta-container .vc_tta-color-grey.vc_tta-tabs-position-top.vc_tta-style-classic .vc_tta-tabs-container .vc_tta-tab > a,
1111    .td-theme-wrap .td-related-title a,
1112    .woocommerce div.product .woocommerce-tabs ul.tabs li a,
1113    .woocommerce .product .products h2:not(.woocommerce-loop-product__title),
1114    .td-theme-wrap .td-block-title {
1115        font-family:futura-pt;
1116	font-size:14px;
1117	font-weight:bold;
1118	text-transform:capitalize;
1119	
1120    }
1121    
1122    .td-post-date .entry-date {
1123        font-family:futura-pt;
1124	
1125    }
1126    
1127    .top-header-menu > li > a,
1128    .td-weather-top-widget .td-weather-now .td-big-degrees,
1129    .td-weather-top-widget .td-weather-header .td-weather-city,
1130    .td-header-sp-top-menu .td_data_time {
1131        font-family:futura-pt;
1132	text-transform:uppercase;
1133	
1134    }
1135    
1136    .top-header-menu .menu-item-has-children li a {
1137    	font-family:futura-pt;
1138	
1139    }
1140	
1141    .td_mod_mega_menu .item-details a {
1142        font-family:futura-pt;
1143	
1144    }
1145    
1146    .td_mega_menu_sub_cats .block-mega-child-cats a {
1147        font-family:futura-pt;
1148	
1149    }
1150    
1151    .td-excerpt,
1152    .td_module_14 .td-excerpt {
1153        font-family:"Helvetica Neue", Helvetica, Arial, sans-serif;
1154	
1155    }
1156
1157
1158    
1159    .td-theme-slider.iosSlider-col-1 .td-module-title {
1160        font-size:28px;
1161	line-height:36px;
1162	
1163    }
1164    
1165	.td_module_wrap .td-module-title {
1166		font-family:futura-pt;
1167	
1168	}
1169    
1170    .td_module_16 .td-module-title {
1171    	font-family:futura-pt;
1172	
1173    }
1174    
1175	.td_block_trending_now .entry-title,
1176	.td-theme-slider .td-module-title,
1177    .td-big-grid-post .entry-title {
1178		font-family:futura-pt;
1179	
1180	}
1181    
1182    .td_module_mx4 .td-module-title {
1183    	font-family:"Helvetica Neue", Helvetica, Arial, sans-serif;
1184	
1185    }
1186    
1187    .td_module_mx16 .td-module-title {
1188    	font-family:futura-pt;
1189	
1190    }
1191    
1192	.post .td-post-header .entry-title {
1193		font-family:futura-pt;
1194	
1195	}
1196    
1197    .td-post-template-default .td-post-header .entry-title {
1198        font-family:futura-pt;
1199	
1200    }
1201    
1202    .td-post-content p,
1203    .td-post-content {
1204        font-family:"Helvetica Neue", Helvetica, Arial, sans-serif;
1205	font-size:16px;
1206	line-height:24px;
1207	font-style:normal;
1208	font-weight:normal;
1209	
1210    }
1211    
1212    .post blockquote p,
1213    .page blockquote p,
1214    .td-post-text-content blockquote p {
1215        font-family:futura-pt;
1216	font-size:26px;
1217	line-height:40px;
1218	font-style:normal;
1219	font-weight:300;
1220	text-transform:none;
1221	
1222    }
1223    
1224    .td-post-content li {
1225        font-family:"Helvetica Neue", Helvetica, Arial, sans-serif;
1226	font-size:16px;
1227	line-height:24px;
1228	font-style:normal;
1229	font-weight:normal;
1230	
1231    }
1232    
1233    .td-post-content h1 {
1234        font-family:futura-pt;
1235	
1236    }
1237    
1238    .td-post-content h2 {
1239        font-family:futura-pt;
1240	
1241    }
1242    
1243    .td-post-content h3 {
1244        font-family:futura-pt;
1245	
1246    }
1247    
1248    .td-post-content h4 {
1249        font-family:futura-pt;
1250	
1251    }
1252    
1253    .td-post-content h5 {
1254        font-family:futura-pt;
1255	
1256    }
1257    
1258    .td-post-content h6 {
1259        font-family:futura-pt;
1260	
1261    }
1262    
1263    
1264    
1265    .post .td-category a {
1266        font-family:futura-pt;
1267	font-size:12px;
1268	
1269    }
1270    
1271    .post header .td-post-date .entry-date {
1272        font-family:futura-pt;
1273	
1274    }
1275    
1276    .post .td-post-next-prev-content span {
1277        font-family:futura-pt;
1278	
1279    }
1280    
1281    .post .td-post-next-prev-content a {
1282        font-family:futura-pt;
1283	
1284    }
1285    
1286	.wp-caption-text,
1287	.wp-caption-dd,
1288	 .wp-block-image figcaption {
1289		font-family:futura-pt;
1290	font-style:normal;
1291	
1292	}
1293    
1294	.footer-text-wrap {
1295		font-family:futura-pt;
1296	
1297	}
1298	
1299	.td-sub-footer-copy {
1300		font-family:futura-pt;
1301	
1302	}
1303	
1304	.td-sub-footer-menu ul li a {
1305		font-family:futura-pt;
1306	
1307	}
1308	
1309	
1310	
1311    .page-nav a,
1312    .page-nav span {
1313    	font-family:futura-pt;
1314	
1315    }
1316    
1317    .widget_archive a,
1318    .widget_calendar,
1319    .widget_categories a,
1320    .widget_nav_menu a,
1321    .widget_meta a,
1322    .widget_pages a,
1323    .widget_recent_comments a,
1324    .widget_recent_entries a,
1325    .widget_text .textwidget,
1326    .widget_tag_cloud a,
1327    .widget_search input,
1328    .woocommerce .product-categories a,
1329    .widget_display_forums a,
1330    .widget_display_replies a,
1331    .widget_display_topics a,
1332    .widget_display_views a,
1333    .widget_display_stats {
1334    	font-family:futura-pt;
1335	font-size:14px;
1336	line-height:14px;
1337	
1338    }
1339    
1340	input[type="submit"],
1341	.td-read-more a,
1342	.vc_btn,
1343	.woocommerce a.button,
1344	.woocommerce button.button,
1345	.woocommerce #respond input#submit {
1346		font-family:futura-pt;
1347	
1348	}
1349	
1350    .tdm-menu-btn1 .tds-button1,
1351    .tdm-menu-btn1 .tds-button6:after {
1352        background-color: #0079c2;
1353    }
1354    .tdm-menu-btn1 .tds-button2:before,
1355    .tdm-menu-btn1 .tds-button6:before {
1356        border-color: #0079c2;
1357    }
1358    .tdm-menu-btn1 .tds-button2,
1359    .tdm-menu-btn1 .tds-button2 i {
1360        color: #0079c2;
1361    }
1362    .tdm-menu-btn1 .tds-button3 {
1363        -webkit-box-shadow: 0 2px 16px #0079c2;
1364        -moz-box-shadow: 0 2px 16px #0079c2;
1365        box-shadow: 0 2px 16px #0079c2;
1366    }
1367    .tdm-menu-btn1 .tds-button3:hover {
1368        -webkit-box-shadow: 0 4px 26px #0079c2;
1369        -moz-box-shadow: 0 4px 26px #0079c2;
1370        box-shadow: 0 4px 26px #0079c2;
1371    }
1372    .tdm-menu-btn1 .tds-button7 .tdm-btn-border-top,
1373    .tdm-menu-btn1 .tds-button7 .tdm-btn-border-bottom {
1374        background-color: #0079c2;
1375    }
1376    .tdm-menu-btn1 .tds-button8 {
1377        background: #0079c2;
1378    }
1379                
1380				
1381    
1382    .tdm-menu-btn2 .tds-button1,
1383    .tdm-menu-btn2 .tds-button6:after {
1384        background-color: #0079c2;
1385    }
1386    .tdm-menu-btn2 .tds-button2:before,
1387    .tdm-menu-btn2 .tds-button6:before {
1388        border-color: #0079c2;
1389    }
1390    .tdm-menu-btn2 .tds-button2,
1391    .tdm-menu-btn2 .tds-button2 i {
1392        color: #0079c2;
1393    }
1394    .tdm-menu-btn2 .tds-button3 {
1395        -webkit-box-shadow: 0 2px 16px #0079c2;
1396        -moz-box-shadow: 0 2px 16px #0079c2;
1397        box-shadow: 0 2px 16px #0079c2;
1398    }
1399    .tdm-menu-btn2 .tds-button3:hover {
1400        -webkit-box-shadow: 0 4px 26px #0079c2;
1401        -moz-box-shadow: 0 4px 26px #0079c2;
1402        box-shadow: 0 4px 26px #0079c2;
1403    }
1404    .tdm-menu-btn2 .tds-button7 .tdm-btn-border-top,
1405    .tdm-menu-btn2 .tds-button7 .tdm-btn-border-bottom {
1406        background-color: #0079c2;
1407    }
1408    .tdm-menu-btn2 .tds-button8 {
1409        background: #0079c2;
1410    }
1411
1412body {
1413	background-color:#0079c2;
1414}
1415.td-header-wrap .black-menu .sf-menu > .current-menu-item > a,
1416    .td-header-wrap .black-menu .sf-menu > .current-menu-ancestor > a,
1417    .td-header-wrap .black-menu .sf-menu > .current-category-ancestor > a,
1418    .td-header-wrap .black-menu .sf-menu > li > a:hover,
1419    .td-header-wrap .black-menu .sf-menu > .sfHover > a,
1420    .sf-menu > .current-menu-item > a:after,
1421    .sf-menu > .current-menu-ancestor > a:after,
1422    .sf-menu > .current-category-ancestor > a:after,
1423    .sf-menu > li:hover > a:after,
1424    .sf-menu > .sfHover > a:after,
1425    .header-search-wrap .td-drop-down-search:after,
1426    .header-search-wrap .td-drop-down-search .btn:hover,
1427    input[type=submit]:hover,
1428    .td-read-more a,
1429    .td-post-category:hover,
1430    .td_top_authors .td-active .td-author-post-count,
1431    .td_top_authors .td-active .td-author-comments-count,
1432    .td_top_authors .td_mod_wrap:hover .td-author-post-count,
1433    .td_top_authors .td_mod_wrap:hover .td-author-comments-count,
1434    .td-404-sub-sub-title a:hover,
1435    .td-search-form-widget .wpb_button:hover,
1436    .td-rating-bar-wrap div,
1437    .dropcap,
1438    .td_wrapper_video_playlist .td_video_controls_playlist_wrapper,
1439    .wpb_default,
1440    .wpb_default:hover,
1441    .td-left-smart-list:hover,
1442    .td-right-smart-list:hover,
1443    .woocommerce-checkout .woocommerce input.button:hover,
1444    .woocommerce-page .woocommerce a.button:hover,
1445    .woocommerce-account div.woocommerce .button:hover,
1446    #bbpress-forums button:hover,
1447    .bbp_widget_login .button:hover,
1448    .td-footer-wrapper .td-post-category,
1449    .td-footer-wrapper .widget_product_search input[type="submit"]:hover,
1450    .woocommerce .product a.button:hover,
1451    .woocommerce .product #respond input#submit:hover,
1452    .woocommerce .checkout input#place_order:hover,
1453    .woocommerce .woocommerce.widget .button:hover,
1454    .single-product .product .summary .cart .button:hover,
1455    .woocommerce-cart .woocommerce table.cart .button:hover,
1456    .woocommerce-cart .woocommerce .shipping-calculator-form .button:hover,
1457    .td-next-prev-wrap a:hover,
1458    .td-load-more-wrap a:hover,
1459    .td-post-small-box a:hover,
1460    .page-nav .current,
1461    .page-nav:first-child > div,
1462    #bbpress-forums .bbp-pagination .current,
1463    #bbpress-forums #bbp-single-user-details #bbp-user-navigation li.current a,
1464    .td-theme-slider:hover .slide-meta-cat a,
1465    a.vc_btn-black:hover,
1466    .td-trending-now-wrapper:hover .td-trending-now-title,
1467    .td-scroll-up,
1468    .td-smart-list-button:hover,
1469    .td-weather-information:before,
1470    .td-weather-week:before,
1471    .td_block_exchange .td-exchange-header:before,
1472    .td-pulldown-syle-2 .td-subcat-dropdown ul:after,
1473    .td_block_template_9 .td-block-title:after,
1474    .td_block_template_15 .td-block-title:before,
1475    div.wpforms-container .wpforms-form div.wpforms-submit-container button[type=submit] {
1476        background-color: #ff9900;
1477    }
1478
1479    .td_block_template_4 .td-related-title .td-cur-simple-item:before {
1480        border-color: #ff9900 transparent transparent transparent !important;
1481    }
1482
1483    .woocommerce .woocommerce-message .button:hover,
1484    .woocommerce .woocommerce-error .button:hover,
1485    .woocommerce .woocommerce-info .button:hover {
1486        background-color: #ff9900 !important;
1487    }
1488    
1489    
1490    .td_block_template_4 .td-related-title .td-cur-simple-item,
1491    .td_block_template_3 .td-related-title .td-cur-simple-item,
1492    .td_block_template_9 .td-related-title:after {
1493        background-color: #ff9900;
1494    }
1495
1496    .woocommerce .product .onsale,
1497    .woocommerce.widget .ui-slider .ui-slider-handle {
1498        background: none #ff9900;
1499    }
1500
1501    .woocommerce.widget.widget_layered_nav_filters ul li a {
1502        background: none repeat scroll 0 0 #ff9900 !important;
1503    }
1504
1505    a,
1506    cite a:hover,
1507    .td-page-content blockquote p,
1508    .td-post-content blockquote p,
1509    .mce-content-body blockquote p,
1510    .comment-content blockquote p,
1511    .wpb_text_column blockquote p,
1512    .td_block_text_with_title blockquote p,
1513    .td_module_wrap:hover .entry-title a,
1514    .td-subcat-filter .td-subcat-list a:hover,
1515    .td-subcat-filter .td-subcat-dropdown a:hover,
1516    .td_quote_on_blocks,
1517    .dropcap2,
1518    .dropcap3,
1519    .td_top_authors .td-active .td-authors-name a,
1520    .td_top_authors .td_mod_wrap:hover .td-authors-name a,
1521    .td-post-next-prev-content a:hover,
1522    .author-box-wrap .td-author-social a:hover,
1523    .td-author-name a:hover,
1524    .td-author-url a:hover,
1525    .comment-reply-link:hover,
1526    .logged-in-as a:hover,
1527    #cancel-comment-reply-link:hover,
1528    .td-search-query,
1529    .widget a:hover,
1530    .td_wp_recentcomments a:hover,
1531    .archive .widget_archive .current,
1532    .archive .widget_archive .current a,
1533    .widget_calendar tfoot a:hover,
1534    .woocommerce a.added_to_cart:hover,
1535    .woocommerce-account .woocommerce-MyAccount-navigation a:hover,
1536    #bbpress-forums li.bbp-header .bbp-reply-content span a:hover,
1537    #bbpress-forums .bbp-forum-freshness a:hover,
1538    #bbpress-forums .bbp-topic-freshness a:hover,
1539    #bbpress-forums .bbp-forums-list li a:hover,
1540    #bbpress-forums .bbp-forum-title:hover,
1541    #bbpress-forums .bbp-topic-permalink:hover,
1542    #bbpress-forums .bbp-topic-started-by a:hover,
1543    #bbpress-forums .bbp-topic-started-in a:hover,
1544    #bbpress-forums .bbp-body .super-sticky li.bbp-topic-title .bbp-topic-permalink,
1545    #bbpress-forums .bbp-body .sticky li.bbp-topic-title .bbp-topic-permalink,
1546    .widget_display_replies .bbp-author-name,
1547    .widget_display_topics .bbp-author-name,
1548    .td-subfooter-menu li a:hover,
1549    a.vc_btn-black:hover,
1550    .td-smart-list-dropdown-wrap .td-smart-list-button:hover,
1551    .td-instagram-user a,
1552    .td-block-title-wrap .td-wrapper-pulldown-filter .td-pulldown-filter-display-option:hover,
1553    .td-block-title-wrap .td-wrapper-pulldown-filter .td-pulldown-filter-display-option:hover i,
1554    .td-block-title-wrap .td-wrapper-pulldown-filter .td-pulldown-filter-link:hover,
1555    .td-block-title-wrap .td-wrapper-pulldown-filter .td-pulldown-filter-item .td-cur-simple-item,
1556    .td_block_template_2 .td-related-title .td-cur-simple-item,
1557    .td_block_template_5 .td-related-title .td-cur-simple-item,
1558    .td_block_template_6 .td-related-title .td-cur-simple-item,
1559    .td_block_template_7 .td-related-title .td-cur-simple-item,
1560    .td_block_template_8 .td-related-title .td-cur-simple-item,
1561    .td_block_template_9 .td-related-title .td-cur-simple-item,
1562    .td_block_template_10 .td-related-title .td-cur-simple-item,
1563    .td_block_template_11 .td-related-title .td-cur-simple-item,
1564    .td_block_template_12 .td-related-title .td-cur-simple-item,
1565    .td_block_template_13 .td-related-title .td-cur-simple-item,
1566    .td_block_template_14 .td-related-title .td-cur-simple-item,
1567    .td_block_template_15 .td-related-title .td-cur-simple-item,
1568    .td_block_template_16 .td-related-title .td-cur-simple-item,
1569    .td_block_template_17 .td-related-title .td-cur-simple-item,
1570    .td-theme-wrap .sf-menu ul .td-menu-item > a:hover,
1571    .td-theme-wrap .sf-menu ul .sfHover > a,
1572    .td-theme-wrap .sf-menu ul .current-menu-ancestor > a,
1573    .td-theme-wrap .sf-menu ul .current-category-ancestor > a,
1574    .td-theme-wrap .sf-menu ul .current-menu-item > a,
1575    .td_outlined_btn,
1576     .td_block_categories_tags .td-ct-item:hover {
1577        color: #ff9900;
1578    }
1579
1580    a.vc_btn-black.vc_btn_square_outlined:hover,
1581    a.vc_btn-black.vc_btn_outlined:hover {
1582        color: #ff9900 !important;
1583    }
1584
1585    .td-next-prev-wrap a:hover,
1586    .td-load-more-wrap a:hover,
1587    .td-post-small-box a:hover,
1588    .page-nav .current,
1589    .page-nav:first-child > div,
1590    #bbpress-forums .bbp-pagination .current,
1591    .post .td_quote_box,
1592    .page .td_quote_box,
1593    a.vc_btn-black:hover,
1594    .td_block_template_5 .td-block-title > *,
1595    .td_outlined_btn {
1596        border-color: #ff9900;
1597    }
1598
1599    .td_wrapper_video_playlist .td_video_currently_playing:after {
1600        border-color: #ff9900 !important;
1601    }
1602
1603    .header-search-wrap .td-drop-down-search:before {
1604        border-color: transparent transparent #ff9900 transparent;
1605    }
1606
1607    .block-title > span,
1608    .block-title > a,
1609    .block-title > label,
1610    .widgettitle,
1611    .widgettitle:after,
1612    .td-trending-now-title,
1613    .td-trending-now-wrapper:hover .td-trending-now-title,
1614    .wpb_tabs li.ui-tabs-active a,
1615    .wpb_tabs li:hover a,
1616    .vc_tta-container .vc_tta-color-grey.vc_tta-tabs-position-top.vc_tta-style-classic .vc_tta-tabs-container .vc_tta-tab.vc_active > a,
1617    .vc_tta-container .vc_tta-color-grey.vc_tta-tabs-position-top.vc_tta-style-classic .vc_tta-tabs-container .vc_tta-tab:hover > a,
1618    .td_block_template_1 .td-related-title .td-cur-simple-item,
1619    .woocommerce .product .products h2:not(.woocommerce-loop-product__title),
1620    .td-subcat-filter .td-subcat-dropdown:hover .td-subcat-more, 
1621    .td_3D_btn,
1622    .td_shadow_btn,
1623    .td_default_btn,
1624    .td_round_btn, 
1625    .td_outlined_btn:hover {
1626    	background-color: #ff9900;
1627    }
1628
1629    .woocommerce div.product .woocommerce-tabs ul.tabs li.active {
1630    	background-color: #ff9900 !important;
1631    }
1632
1633    .block-title,
1634    .td_block_template_1 .td-related-title,
1635    .wpb_tabs .wpb_tabs_nav,
1636    .vc_tta-container .vc_tta-color-grey.vc_tta-tabs-position-top.vc_tta-style-classic .vc_tta-tabs-container,
1637    .woocommerce div.product .woocommerce-tabs ul.tabs:before {
1638        border-color: #ff9900;
1639    }
1640    .td_block_wrap .td-subcat-item a.td-cur-simple-item {
1641	    color: #ff9900;
1642	}
1643
1644
1645    
1646    .td-grid-style-4 .entry-title
1647    {
1648        background-color: rgba(255, 153, 0, 0.7);
1649    }
1650
1651    
1652    @media (max-width: 767px) {
1653        body .td-header-wrap .td-header-main-menu {
1654            background-color: #f2f2f2 !important;
1655        }
1656    }
1657
1658
1659    
1660    @media (max-width: 767px) {
1661        body #td-top-mobile-toggle i,
1662        .td-header-wrap .header-search-wrap .td-icon-search {
1663            color: #000000 !important;
1664        }
1665    }
1666
1667    
1668    .td-menu-background:before,
1669    .td-search-background:before {
1670        background: #5e5e5e;
1671        background: -moz-linear-gradient(top, #5e5e5e 0%, #bfbfbf 100%);
1672        background: -webkit-gradient(left top, left bottom, color-stop(0%, #5e5e5e), color-stop(100%, #bfbfbf));
1673        background: -webkit-linear-gradient(top, #5e5e5e 0%, #bfbfbf 100%);
1674        background: -o-linear-gradient(top, #5e5e5e 0%, #bfbfbf 100%);
1675        background: -ms-linear-gradient(top, #5e5e5e 0%, #bfbfbf 100%);
1676        background: linear-gradient(to bottom, #5e5e5e 0%, #bfbfbf 100%);
1677        filter: progid:DXImageTransform.Microsoft.gradient( startColorstr='#5e5e5e', endColorstr='#bfbfbf', GradientType=0 );
1678    }
1679
1680    
1681    .td-mobile-content .current-menu-item > a,
1682    .td-mobile-content .current-menu-ancestor > a,
1683    .td-mobile-content .current-category-ancestor > a,
1684    #td-mobile-nav .td-menu-login-section a:hover,
1685    #td-mobile-nav .td-register-section a:hover,
1686    #td-mobile-nav .td-menu-socials-wrap a:hover i,
1687    .td-search-close a:hover i {
1688        color: #f78f1e;
1689    }
1690
1691    
1692    .td-page-header h1,
1693    .td-page-title,
1694    .woocommerce-page .page-title {
1695    	color: #0079c2;
1696    }
1697
1698    
1699    .td_module_wrap .td-image-wrap:before {
1700        content: '';
1701        position: absolute;
1702        top: 0;
1703        left: 0;
1704        width: 100%;
1705        height: 100%;
1706        background-image: url(https://riskinfoaudev.wpengine.com/news/files/2020/01/RiskInfo-Default-Thumb.jpg);
1707        background-repeat: no-repeat;
1708        background-size: cover;
1709        background-position: center;
1710        z-index: -1;
1711    }
1712
1713
1714
1715    
1716    ul.sf-menu > .menu-item > a {
1717        font-family:futura-pt;
1718	font-size:12px;
1719	font-weight:bold;
1720	
1721    }
1722    
1723    .sf-menu ul .menu-item a {
1724        font-family:futura-pt;
1725	font-size:12px;
1726	font-weight:bold;
1727	
1728    }
1729    
1730    .td-mobile-content .td-mobile-main-menu > li > a {
1731        font-family:"Helvetica Neue", Helvetica, Arial, sans-serif;
1732	
1733    }
1734    
1735	#td-mobile-nav,
1736	#td-mobile-nav .wpb_button,
1737	.td-search-wrap-mob {
1738		font-family:"Helvetica Neue", Helvetica, Arial, sans-serif;
1739	
1740	}
1741
1742
1743	
1744    .td-page-title,
1745    .woocommerce-page .page-title,
1746    .td-category-title-holder .td-page-title {
1747    	font-family:futura-pt;
1748	
1749    }
1750    
1751    .td-page-content p,
1752    .td-page-content li,
1753    .td-page-content .td_block_text_with_title,
1754    .woocommerce-page .page-description > p,
1755    .wpb_text_column p {
1756    	font-family:"Helvetica Neue", Helvetica, Arial, sans-serif;
1757	font-size:16px;
1758	
1759    }
1760    
1761    .td-page-content h1,
1762    .wpb_text_column h1 {
1763    	font-family:futura-pt;
1764	
1765    }
1766    
1767    .td-page-content h2,
1768    .wpb_text_column h2 {
1769    	font-family:futura-pt;
1770	
1771    }
1772    
1773    .td-page-content h3,
1774    .wpb_text_column h3 {
1775    	font-family:futura-pt;
1776	
1777    }
1778    
1779    .td-page-content h4,
1780    .wpb_text_column h4 {
1781    	font-family:futura-pt;
1782	
1783    }
1784    
1785    .td-page-content h5,
1786    .wpb_text_column h5 {
1787    	font-family:futura-pt;
1788	
1789    }
1790    
1791    .td-page-content h6,
1792    .wpb_text_column h6 {
1793    	font-family:futura-pt;
1794	
1795    }
1796
1797
1798
1799	
1800    body, p {
1801    	font-family:"Helvetica Neue", Helvetica, Arial, sans-serif;
1802	font-size:16px;
1803	line-height:24px;
1804	
1805    }.td-header-style-12 .td-header-menu-wrap-full,
1806    .td-header-style-12 .td-affix,
1807    .td-grid-style-1.td-hover-1 .td-big-grid-post:hover .td-post-category,
1808    .td-grid-style-5.td-hover-1 .td-big-grid-post:hover .td-post-category,
1809    .td_category_template_3 .td-current-sub-category,
1810    .td_category_template_8 .td-category-header .td-category a.td-current-sub-category,
1811    .td_category_template_4 .td-category-siblings .td-category a:hover,
1812     .td_block_big_grid_9.td-grid-style-1 .td-post-category,
1813    .td_block_big_grid_9.td-grid-style-5 .td-post-category,
1814    .td-grid-style-6.td-hover-1 .td-module-thumb:after,
1815     .tdm-menu-active-style5 .td-header-menu-wrap .sf-menu > .current-menu-item > a,
1816    .tdm-menu-active-style5 .td-header-menu-wrap .sf-menu > .current-menu-ancestor > a,
1817    .tdm-menu-active-style5 .td-header-menu-wrap .sf-menu > .current-category-ancestor > a,
1818    .tdm-menu-active-style5 .td-header-menu-wrap .sf-menu > li > a:hover,
1819    .tdm-menu-active-style5 .td-header-menu-wrap .sf-menu > .sfHover > a {
1820        background-color: #ff9900;
1821    }
1822    
1823    .td_mega_menu_sub_cats .cur-sub-cat,
1824    .td-mega-span h3 a:hover,
1825    .td_mod_mega_menu:hover .entry-title a,
1826    .header-search-wrap .result-msg a:hover,
1827    .td-header-top-menu .td-drop-down-search .td_module_wrap:hover .entry-title a,
1828    .td-header-top-menu .td-icon-search:hover,
1829    .td-header-wrap .result-msg a:hover,
1830    .top-header-menu li a:hover,
1831    .top-header-menu .current-menu-item > a,
1832    .top-header-menu .current-menu-ancestor > a,
1833    .top-header-menu .current-category-ancestor > a,
1834    .td-social-icon-wrap > a:hover,
1835    .td-header-sp-top-widget .td-social-icon-wrap a:hover,
1836    .td_mod_related_posts:hover h3 > a,
1837    .td-post-template-11 .td-related-title .td-related-left:hover,
1838    .td-post-template-11 .td-related-title .td-related-right:hover,
1839    .td-post-template-11 .td-related-title .td-cur-simple-item,
1840    .td-post-template-11 .td_block_related_posts .td-next-prev-wrap a:hover,
1841    .td-category-header .td-pulldown-category-filter-link:hover,
1842    .td-category-siblings .td-subcat-dropdown a:hover,
1843    .td-category-siblings .td-subcat-dropdown a.td-current-sub-category,
1844    .footer-text-wrap .footer-email-wrap a,
1845    .footer-social-wrap a:hover,
1846    .td_module_17 .td-read-more a:hover,
1847    .td_module_18 .td-read-more a:hover,
1848    .td_module_19 .td-post-author-name a:hover,
1849    .td-pulldown-syle-2 .td-subcat-dropdown:hover .td-subcat-more span,
1850    .td-pulldown-syle-2 .td-subcat-dropdown:hover .td-subcat-more i,
1851    .td-pulldown-syle-3 .td-subcat-dropdown:hover .td-subcat-more span,
1852    .td-pulldown-syle-3 .td-subcat-dropdown:hover .td-subcat-more i,
1853    .tdm-menu-active-style3 .tdm-header.td-header-wrap .sf-menu > .current-category-ancestor > a,
1854    .tdm-menu-active-style3 .tdm-header.td-header-wrap .sf-menu > .current-menu-ancestor > a,
1855    .tdm-menu-active-style3 .tdm-header.td-header-wrap .sf-menu > .current-menu-item > a,
1856    .tdm-menu-active-style3 .tdm-header.td-header-wrap .sf-menu > .sfHover > a,
1857    .tdm-menu-active-style3 .tdm-header.td-header-wrap .sf-menu > li > a:hover {
1858        color: #ff9900;
1859    }
1860    
1861    .td-mega-menu-page .wpb_content_element ul li a:hover,
1862    .td-theme-wrap .td-aj-search-results .td_module_wrap:hover .entry-title a,
1863    .td-theme-wrap .header-search-wrap .result-msg a:hover {
1864        color: #ff9900 !important;
1865    }
1866    
1867    .td_category_template_8 .td-category-header .td-category a.td-current-sub-category,
1868    .td_category_template_4 .td-category-siblings .td-category a:hover,
1869    .tdm-menu-active-style4 .tdm-header .sf-menu > .current-menu-item > a,
1870    .tdm-menu-active-style4 .tdm-header .sf-menu > .current-menu-ancestor > a,
1871    .tdm-menu-active-style4 .tdm-header .sf-menu > .current-category-ancestor > a,
1872    .tdm-menu-active-style4 .tdm-header .sf-menu > li > a:hover,
1873    .tdm-menu-active-style4 .tdm-header .sf-menu > .sfHover > a {
1874        border-color: #ff9900;
1875    }
1876    
1877    
1878
1879
1880    
1881    .td-header-wrap .td-header-top-menu-full,
1882    .td-header-wrap .top-header-menu .sub-menu,
1883    .tdm-header-style-1.td-header-wrap .td-header-top-menu-full,
1884    .tdm-header-style-1.td-header-wrap .top-header-menu .sub-menu,
1885    .tdm-header-style-2.td-header-wrap .td-header-top-menu-full,
1886    .tdm-header-style-2.td-header-wrap .top-header-menu .sub-menu,
1887    .tdm-header-style-3.td-header-wrap .td-header-top-menu-full,
1888    .tdm-header-style-3.td-header-wrap .top-header-menu .sub-menu {
1889        background-color: #eaeaea;
1890    }
1891    .td-header-style-8 .td-header-top-menu-full {
1892        background-color: transparent;
1893    }
1894    .td-header-style-8 .td-header-top-menu-full .td-header-top-menu {
1895        background-color: #eaeaea;
1896        padding-left: 15px;
1897        padding-right: 15px;
1898    }
1899
1900    .td-header-wrap .td-header-top-menu-full .td-header-top-menu,
1901    .td-header-wrap .td-header-top-menu-full {
1902        border-bottom: none;
1903    }
1904
1905
1906    
1907    .td-header-top-menu,
1908    .td-header-top-menu a,
1909    .td-header-wrap .td-header-top-menu-full .td-header-top-menu,
1910    .td-header-wrap .td-header-top-menu-full a,
1911    .td-header-style-8 .td-header-top-menu,
1912    .td-header-style-8 .td-header-top-menu a,
1913    .td-header-top-menu .td-drop-down-search .entry-title a {
1914        color: #000000;
1915    }
1916
1917    
1918    .td-header-wrap .td-header-sp-top-widget .td-icon-font,
1919    .td-header-style-7 .td-header-top-menu .td-social-icon-wrap .td-icon-font {
1920        color: #0079c2;
1921    }
1922
1923    
1924    .td-header-wrap .td-header-sp-top-widget i.td-icon-font:hover {
1925        color: #f78f1e;
1926    }
1927
1928
1929    
1930    .td-header-wrap .td-header-menu-wrap-full,
1931    .td-header-menu-wrap.td-affix,
1932    .td-header-style-3 .td-header-main-menu,
1933    .td-header-style-3 .td-affix .td-header-main-menu,
1934    .td-header-style-4 .td-header-main-menu,
1935    .td-header-style-4 .td-affix .td-header-main-menu,
1936    .td-header-style-8 .td-header-menu-wrap.td-affix,
1937    .td-header-style-8 .td-header-top-menu-full {
1938        background-color: #ffffff;
1939    }
1940    .td-boxed-layout .td-header-style-3 .td-header-menu-wrap,
1941    .td-boxed-layout .td-header-style-4 .td-header-menu-wrap,
1942    .td-header-style-3 .td_stretch_content .td-header-menu-wrap,
1943    .td-header-style-4 .td_stretch_content .td-header-menu-wrap {
1944    	background-color: #ffffff !important;
1945    }
1946    @media (min-width: 1019px) {
1947        .td-header-style-1 .td-header-sp-recs,
1948        .td-header-style-1 .td-header-sp-logo {
1949            margin-bottom: 28px;
1950        }
1951    }
1952    @media (min-width: 768px) and (max-width: 1018px) {
1953        .td-header-style-1 .td-header-sp-recs,
1954        .td-header-style-1 .td-header-sp-logo {
1955            margin-bottom: 14px;
1956        }
1957    }
1958    .td-header-style-7 .td-header-top-menu {
1959        border-bottom: none;
1960    }
1961
1962    
1963    .td-header-wrap .td-header-menu-wrap .sf-menu > li > a,
1964    .td-header-wrap .td-header-menu-social .td-social-icon-wrap a,
1965    .td-header-style-4 .td-header-menu-social .td-social-icon-wrap i,
1966    .td-header-style-5 .td-header-menu-social .td-social-icon-wrap i,
1967    .td-header-style-6 .td-header-menu-social .td-social-icon-wrap i,
1968    .td-header-style-12 .td-header-menu-social .td-social-icon-wrap i,
1969    .td-header-wrap .header-search-wrap #td-header-search-button .td-icon-search {
1970        color: #000000;
1971    }
1972    .td-header-wrap .td-header-menu-social + .td-search-wrapper #td-header-search-button:before {
1973      background-color: #000000;
1974    }
1975    
1976    
1977    
1978    ul.sf-menu > .td-menu-item > a,
1979    .td-theme-wrap .td-header-menu-social {
1980        font-family:futura-pt;
1981	font-size:12px;
1982	font-weight:bold;
1983	
1984    }
1985    
1986    .sf-menu ul .td-menu-item a {
1987        font-family:futura-pt;
1988	font-size:12px;
1989	font-weight:bold;
1990	
1991    }
1992    
1993    
1994    
1995    .td-header-menu-wrap.td-affix,
1996    .td-header-style-3 .td-affix .td-header-main-menu,
1997    .td-header-style-4 .td-affix .td-header-main-menu,
1998    .td-header-style-8 .td-header-menu-wrap.td-affix {
1999        background-color: #f78f1e;
2000    }
2001   
2002    
2003    
2004    .td-affix .sf-menu > .current-menu-item > a:after,
2005    .td-affix .sf-menu > .current-menu-ancestor > a:after,
2006    .td-affix .sf-menu > .current-category-ancestor > a:after,
2007    .td-affix .sf-menu > li:hover > a:after,
2008    .td-affix .sf-menu > .sfHover > a:after,
2009    .td-header-wrap .td-affix .black-menu .sf-menu > li > a:hover,
2010    .td-header-wrap .td-affix .black-menu .sf-menu > .current-menu-ancestor > a,
2011    .td-header-wrap .td-affix .black-menu .sf-menu > .sfHover > a,
2012    .td-affix  .header-search-wrap .td-drop-down-search:after,
2013    .td-affix  .header-search-wrap .td-drop-down-search .btn:hover,
2014    .td-header-wrap .td-affix  .black-menu .sf-menu > .current-menu-item > a,
2015    .td-header-wrap .td-affix  .black-menu .sf-menu > .current-menu-ancestor > a,
2016    .td-header-wrap .td-affix  .black-menu .sf-menu > .current-category-ancestor > a,
2017    .tdm-menu-active-style5 .tdm-header .td-header-menu-wrap.td-affix .sf-menu > .current-menu-item > a,
2018    .tdm-menu-active-style5 .tdm-header .td-header-menu-wrap.td-affix .sf-menu > .current-menu-ancestor > a,
2019    .tdm-menu-active-style5 .tdm-header .td-header-menu-wrap.td-affix .sf-menu > .current-category-ancestor > a,
2020    .tdm-menu-active-style5 .tdm-header .td-header-menu-wrap.td-affix .sf-menu > li > a:hover,
2021    .tdm-menu-active-style5 .tdm-header .td-header-menu-wrap.td-affix .sf-menu > .sfHover > a {
2022        background-color: #000000;
2023    }
2024    .td-affix  .header-search-wrap .td-drop-down-search:before {
2025        border-color: transparent transparent #000000 transparent;
2026    }
2027    .tdm-menu-active-style4 .tdm-header .td-affix .sf-menu > .current-menu-item > a,
2028    .tdm-menu-active-style4 .tdm-header .td-affix .sf-menu > .current-menu-ancestor > a,
2029    .tdm-menu-active-style4 .tdm-header .td-affix .sf-menu > .current-category-ancestor > a,
2030    .tdm-menu-active-style4 .tdm-header .td-affix .sf-menu > li > a:hover,
2031    .tdm-menu-active-style4 .tdm-header .td-affix .sf-menu > .sfHover > a {
2032        border-color: #000000;
2033    }
2034    .td-theme-wrap .td-affix .sf-menu ul .td-menu-item > a:hover,
2035    .td-theme-wrap .td-affix .sf-menu ul .sfHover > a,
2036    .td-theme-wrap .td-affix .sf-menu ul .current-menu-ancestor > a,
2037    .td-theme-wrap .td-affix .sf-menu ul .current-category-ancestor > a,
2038    .td-theme-wrap .td-affix .sf-menu ul .current-menu-item > a,
2039    .tdm-menu-active-style3 .tdm-header .td-affix .sf-menu > .current-menu-item > a,
2040    .tdm-menu-active-style3 .tdm-header .td-affix .sf-menu > .current-menu-ancestor > a,
2041    .tdm-menu-active-style3 .tdm-header .td-affix .sf-menu > .current-category-ancestor > a,
2042    .tdm-menu-active-style3 .tdm-header .td-affix .sf-menu > li > a:hover,
2043    .tdm-menu-active-style3 .tdm-header .td-affix .sf-menu > .sfHover > a {
2044        color: #000000;
2045    }
2046    
2047    .td-header-wrap .td-header-menu-wrap.td-affix .sf-menu > li > a,
2048    .td-header-wrap .td-affix .td-header-menu-social .td-social-icon-wrap a,
2049    .td-header-style-4 .td-affix .td-header-menu-social .td-social-icon-wrap i,
2050    .td-header-style-5 .td-affix .td-header-menu-social .td-social-icon-wrap i,
2051    .td-header-style-6 .td-affix .td-header-menu-social .td-social-icon-wrap i,
2052    .td-header-style-12 .td-affix .td-header-menu-social .td-social-icon-wrap i,
2053    .td-header-wrap .td-affix .header-search-wrap .td-icon-search {
2054        color: #ffffff;
2055    }
2056    .td-header-wrap .td-affix .td-header-menu-social + .td-search-wrapper #td-header-search-button:before {
2057        background-color: #ffffff;
2058    }
2059
2060
2061    
2062    .td-header-wrap .td-header-menu-social .td-social-icon-wrap a {
2063        color: #ffffff;
2064    }
2065    
2066    .td-header-wrap .td-header-menu-social .td-social-icon-wrap:hover i {
2067        color: #000000;
2068    }
2069    
2070    
2071     
2072    .td-banner-wrap-full,
2073    .td-header-style-11 .td-logo-wrap-full {
2074        background-color: #f7f7f7;
2075    }
2076    .td-header-style-11 .td-logo-wrap-full {
2077        border-bottom: 0;
2078    }
2079    @media (min-width: 1019px) {
2080        .td-header-style-2 .td-header-sp-recs,
2081        .td-header-style-5 .td-a-rec-id-header > div,
2082        .td-header-style-5 .td-g-rec-id-header > .adsbygoogle,
2083        .td-header-style-6 .td-a-rec-id-header > div,
2084        .td-header-style-6 .td-g-rec-id-header > .adsbygoogle,
2085        .td-header-style-7 .td-a-rec-id-header > div,
2086        .td-header-style-7 .td-g-rec-id-header > .adsbygoogle,
2087        .td-header-style-8 .td-a-rec-id-header > div,
2088        .td-header-style-8 .td-g-rec-id-header > .adsbygoogle,
2089        .td-header-style-12 .td-a-rec-id-header > div,
2090        .td-header-style-12 .td-g-rec-id-header > .adsbygoogle {
2091            margin-bottom: 24px !important;
2092        }
2093    }
2094    @media (min-width: 768px) and (max-width: 1018px) {
2095        .td-header-style-2 .td-header-sp-recs,
2096        .td-header-style-5 .td-a-rec-id-header > div,
2097        .td-header-style-5 .td-g-rec-id-header > .adsbygoogle,
2098        .td-header-style-6 .td-a-rec-id-header > div,
2099        .td-header-style-6 .td-g-rec-id-header > .adsbygoogle,
2100        .td-header-style-7 .td-a-rec-id-header > div,
2101        .td-header-style-7 .td-g-rec-id-header > .adsbygoogle,
2102        .td-header-style-8 .td-a-rec-id-header > div,
2103        .td-header-style-8 .td-g-rec-id-header > .adsbygoogle,
2104        .td-header-style-12 .td-a-rec-id-header > div,
2105        .td-header-style-12 .td-g-rec-id-header > .adsbygoogle {
2106            margin-bottom: 14px !important;
2107        }
2108    }
2109    
2110    
2111    
2112    .post .td-post-header .entry-title {
2113        color: #0079c2;
2114    }
2115    .td_module_15 .entry-title a {
2116        color: #0079c2;
2117    }
2118
2119    
2120    .td-post-content h1,
2121    .td-post-content h2,
2122    .td-post-content h3,
2123    .td-post-content h4,
2124    .td-post-content h5,
2125    .td-post-content h6 {
2126    	color: #0079c2;
2127    }
2128
2129    
2130    .block-title > span,
2131    .block-title > a,
2132    .widgettitle,
2133    .td-trending-now-title,
2134    .wpb_tabs li a,
2135    .vc_tta-container .vc_tta-color-grey.vc_tta-tabs-position-top.vc_tta-style-classic .vc_tta-tabs-container .vc_tta-tab > a,
2136    .td-theme-wrap .td-related-title a,
2137    .woocommerce div.product .woocommerce-tabs ul.tabs li a,
2138    .woocommerce .product .products h2:not(.woocommerce-loop-product__title),
2139    .td-theme-wrap .td-block-title {
2140        font-family:futura-pt;
2141	font-size:14px;
2142	font-weight:bold;
2143	text-transform:capitalize;
2144	
2145    }
2146    
2147    .td-post-date .entry-date {
2148        font-family:futura-pt;
2149	
2150    }
2151    
2152    .top-header-menu > li > a,
2153    .td-weather-top-widget .td-weather-now .td-big-degrees,
2154    .td-weather-top-widget .td-weather-header .td-weather-city,
2155    .td-header-sp-top-menu .td_data_time {
2156        font-family:futura-pt;
2157	text-transform:uppercase;
2158	
2159    }
2160    
2161    .top-header-menu .menu-item-has-children li a {
2162    	font-family:futura-pt;
2163	
2164    }
2165	
2166    .td_mod_mega_menu .item-details a {
2167        font-family:futura-pt;
2168	
2169    }
2170    
2171    .td_mega_menu_sub_cats .block-mega-child-cats a {
2172        font-family:futura-pt;
2173	
2174    }
2175    
2176    .td-excerpt,
2177    .td_module_14 .td-excerpt {
2178        font-family:"Helvetica Neue", Helvetica, Arial, sans-serif;
2179	
2180    }
2181
2182
2183    
2184    .td-theme-slider.iosSlider-col-1 .td-module-title {
2185        font-size:28px;
2186	line-height:36px;
2187	
2188    }
2189    
2190	.td_module_wrap .td-module-title {
2191		font-family:futura-pt;
2192	
2193	}
2194    
2195    .td_module_16 .td-module-title {
2196    	font-family:futura-pt;
2197	
2198    }
2199    
2200	.td_block_trending_now .entry-title,
2201	.td-theme-slider .td-module-title,
2202    .td-big-grid-post .entry-title {
2203		font-family:futura-pt;
2204	
2205	}
2206    
2207    .td_module_mx4 .td-module-title {
2208    	font-family:"Helvetica Neue", Helvetica, Arial, sans-serif;
2209	
2210    }
2211    
2212    .td_module_mx16 .td-module-title {
2213    	font-family:futura-pt;
2214	
2215    }
2216    
2217	.post .td-post-header .entry-title {
2218		font-family:futura-pt;
2219	
2220	}
2221    
2222    .td-post-template-default .td-post-header .entry-title {
2223        font-family:futura-pt;
2224	
2225    }
2226    
2227    .td-post-content p,
2228    .td-post-content {
2229        font-family:"Helvetica Neue", Helvetica, Arial, sans-serif;
2230	font-size:16px;
2231	line-height:24px;
2232	font-style:normal;
2233	font-weight:normal;
2234	
2235    }
2236    
2237    .post blockquote p,
2238    .page blockquote p,
2239    .td-post-text-content blockquote p {
2240        font-family:futura-pt;
2241	font-size:26px;
2242	line-height:40px;
2243	font-style:normal;
2244	font-weight:300;
2245	text-transform:none;
2246	
2247    }
2248    
2249    .td-post-content li {
2250        font-family:"Helvetica Neue", Helvetica, Arial, sans-serif;
2251	font-size:16px;
2252	line-height:24px;
2253	font-style:normal;
2254	font-weight:normal;
2255	
2256    }
2257    
2258    .td-post-content h1 {
2259        font-family:futura-pt;
2260	
2261    }
2262    
2263    .td-post-content h2 {
2264        font-family:futura-pt;
2265	
2266    }
2267    
2268    .td-post-content h3 {
2269        font-family:futura-pt;
2270	
2271    }
2272    
2273    .td-post-content h4 {
2274        font-family:futura-pt;
2275	
2276    }
2277    
2278    .td-post-content h5 {
2279        font-family:futura-pt;
2280	
2281    }
2282    
2283    .td-post-content h6 {
2284        font-family:futura-pt;
2285	
2286    }
2287    
2288    
2289    
2290    .post .td-category a {
2291        font-family:futura-pt;
2292	font-size:12px;
2293	
2294    }
2295    
2296    .post header .td-post-date .entry-date {
2297        font-family:futura-pt;
2298	
2299    }
2300    
2301    .post .td-post-next-prev-content span {
2302        font-family:futura-pt;
2303	
2304    }
2305    
2306    .post .td-post-next-prev-content a {
2307        font-family:futura-pt;
2308	
2309    }
2310    
2311	.wp-caption-text,
2312	.wp-caption-dd,
2313	 .wp-block-image figcaption {
2314		font-family:futura-pt;
2315	font-style:normal;
2316	
2317	}
2318    
2319	.footer-text-wrap {
2320		font-family:futura-pt;
2321	
2322	}
2323	
2324	.td-sub-footer-copy {
2325		font-family:futura-pt;
2326	
2327	}
2328	
2329	.td-sub-footer-menu ul li a {
2330		font-family:futura-pt;
2331	
2332	}
2333	
2334	
2335	
2336    .page-nav a,
2337    .page-nav span {
2338    	font-family:futura-pt;
2339	
2340    }
2341    
2342    .widget_archive a,
2343    .widget_calendar,
2344    .widget_categories a,
2345    .widget_nav_menu a,
2346    .widget_meta a,
2347    .widget_pages a,
2348    .widget_recent_comments a,
2349    .widget_recent_entries a,
2350    .widget_text .textwidget,
2351    .widget_tag_cloud a,
2352    .widget_search input,
2353    .woocommerce .product-categories a,
2354    .widget_display_forums a,
2355    .widget_display_replies a,
2356    .widget_display_topics a,
2357    .widget_display_views a,
2358    .widget_display_stats {
2359    	font-family:futura-pt;
2360	font-size:14px;
2361	line-height:14px;
2362	
2363    }
2364    
2365	input[type="submit"],
2366	.td-read-more a,
2367	.vc_btn,
2368	.woocommerce a.button,
2369	.woocommerce button.button,
2370	.woocommerce #respond input#submit {
2371		font-family:futura-pt;
2372	
2373	}
2374	
2375    .tdm-menu-btn1 .tds-button1,
2376    .tdm-menu-btn1 .tds-button6:after {
2377        background-color: #0079c2;
2378    }
2379    .tdm-menu-btn1 .tds-button2:before,
2380    .tdm-menu-btn1 .tds-button6:before {
2381        border-color: #0079c2;
2382    }
2383    .tdm-menu-btn1 .tds-button2,
2384    .tdm-menu-btn1 .tds-button2 i {
2385        color: #0079c2;
2386    }
2387    .tdm-menu-btn1 .tds-button3 {
2388        -webkit-box-shadow: 0 2px 16px #0079c2;
2389        -moz-box-shadow: 0 2px 16px #0079c2;
2390        box-shadow: 0 2px 16px #0079c2;
2391    }
2392    .tdm-menu-btn1 .tds-button3:hover {
2393        -webkit-box-shadow: 0 4px 26px #0079c2;
2394        -moz-box-shadow: 0 4px 26px #0079c2;
2395        box-shadow: 0 4px 26px #0079c2;
2396    }
2397    .tdm-menu-btn1 .tds-button7 .tdm-btn-border-top,
2398    .tdm-menu-btn1 .tds-button7 .tdm-btn-border-bottom {
2399        background-color: #0079c2;
2400    }
2401    .tdm-menu-btn1 .tds-button8 {
2402        background: #0079c2;
2403    }
2404                
2405				
2406    
2407    .tdm-menu-btn2 .tds-button1,
2408    .tdm-menu-btn2 .tds-button6:after {
2409        background-color: #0079c2;
2410    }
2411    .tdm-menu-btn2 .tds-button2:before,
2412    .tdm-menu-btn2 .tds-button6:before {
2413        border-color: #0079c2;
2414    }
2415    .tdm-menu-btn2 .tds-button2,
2416    .tdm-menu-btn2 .tds-button2 i {
2417        color: #0079c2;
2418    }
2419    .tdm-menu-btn2 .tds-button3 {
2420        -webkit-box-shadow: 0 2px 16px #0079c2;
2421        -moz-box-shadow: 0 2px 16px #0079c2;
2422        box-shadow: 0 2px 16px #0079c2;
2423    }
2424    .tdm-menu-btn2 .tds-button3:hover {
2425        -webkit-box-shadow: 0 4px 26px #0079c2;
2426        -moz-box-shadow: 0 4px 26px #0079c2;
2427        box-shadow: 0 4px 26px #0079c2;
2428    }
2429    .tdm-menu-btn2 .tds-button7 .tdm-btn-border-top,
2430    .tdm-menu-btn2 .tds-button7 .tdm-btn-border-bottom {
2431        background-color: #0079c2;
2432    }
2433    .tdm-menu-btn2 .tds-button8 {
2434        background: #0079c2;
2435    }
2436</style>
2437
2438
2439<!-- Button style compiled by theme -->
2440
2441<style>
2442    .tdm_block_column_content:hover .tdm-col-content-title-url .tdm-title,
2443                .tds-button2 .tdm-btn-text,
2444                .tds-button2 i,
2445                .tds-button5:hover .tdm-btn-text,
2446                .tds-button5:hover i,
2447                .tds-button6 .tdm-btn-text,
2448                .tds-button6 i,
2449                .tdm_block_list .tdm-list-item i,
2450                .tdm_block_pricing .tdm-pricing-feature i,
2451                .tdm-social-item i {
2452                    color: #ff9900;
2453                }
2454                .tds-button1,
2455                .tds-button6:after,
2456                .tds-title2 .tdm-title-line:after,
2457                .tds-title3 .tdm-title-line:after,
2458                .tdm_block_pricing.tdm-pricing-featured:before,
2459                .tdm_block_pricing.tds_pricing2_block.tdm-pricing-featured .tdm-pricing-header,
2460                .tds-progress-bar1 .tdm-progress-bar:after,
2461                .tds-progress-bar2 .tdm-progress-bar:after,
2462                .tds-social3 .tdm-social-item {
2463                    background-color: #ff9900;
2464                }
2465                .tds-button2:before,
2466                .tds-button6:before,
2467                .tds-progress-bar3 .tdm-progress-bar:after {
2468                  border-color: #ff9900;
2469                }
2470                .tdm-btn-style1 {
2471					background-color: #ff9900;
2472				}
2473				.tdm-btn-style2:before {
2474				    border-color: #ff9900;
2475				}
2476				.tdm-btn-style2 {
2477				    color: #ff9900;
2478				}
2479				.tdm-btn-style3 {
2480				    -webkit-box-shadow: 0 2px 16px #ff9900;
2481                    -moz-box-shadow: 0 2px 16px #ff9900;
2482                    box-shadow: 0 2px 16px #ff9900;
2483				}
2484				.tdm-btn-style3:hover {
2485				    -webkit-box-shadow: 0 4px 26px #ff9900;
2486                    -moz-box-shadow: 0 4px 26px #ff9900;
2487                    box-shadow: 0 4px 26px #ff9900;
2488				}
2489</style>
2490
2491<style type="text/css" data-type="vc_custom-css">.td-main-page-wrap {
2492    padding-top: 0;
2493}
2494comment-wrap {
2495    padding-left: 0 !important;
2496}</style><noscript><style type="text/css"> .wpb_animate_when_almost_visible { opacity: 1; }</style></noscript>	<style id="tdw-css-placeholder">.homeLatest .td-module-title a,
2497.home .entry-title a {
2498  color: #0079c2 !important;
2499}
2500.td-slide-meta .entry-title a {
2501  color: #fff !important;
2502}
2503.slide-meta-cat,
2504.td-module-comments {
2505  display: none !important;
2506}
2507.page .adviser-focus h3.entry-tit {
2508  color: #22b24c !important;
2509}
2510</style></head>
2511
2512<body class="wp-singular page-template-default page page-id-77243 wp-theme-Newspaper wp-child-theme-riskinfoAU td-standard-pack home global-block-template-1 white-menu wpb-js-composer js-comp-ver-5.4.5 vc_responsive tdb-template td-boxed-layout" itemscope="itemscope" itemtype="https://schema.org/WebPage">
2513	
2514	
2515
2516        <div class="td-scroll-up"><i class="td-icon-menu-up"></i></div>
2517
2518    <div class="td-menu-background"></div>
2519<div id="td-mobile-nav">
2520    <div class="td-mobile-container">
2521        <!-- mobile menu top section -->
2522        <div class="td-menu-socials-wrap">
2523            <!-- socials -->
2524            <div class="td-menu-socials">
2525                
2526        <span class="td-social-icon-wrap">
2527            <a target="_blank" href="https://www.facebook.com/riskinfonews" title="Facebook">
2528                <i class="td-icon-font td-icon-facebook"></i>
2529            </a>
2530        </span>
2531        <span class="td-social-icon-wrap">
2532            <a target="_blank" href="https://www.linkedin.com/company/riskinfo/" title="Linkedin">
2533                <i class="td-icon-font td-icon-linkedin"></i>
2534            </a>
2535        </span>
2536        <span class="td-social-icon-wrap">
2537            <a target="_blank" href="mailto:[email protected]" title="Mail">
2538                <i class="td-icon-font td-icon-mail-1"></i>
2539            </a>
2540        </span>
2541        <span class="td-social-icon-wrap">
2542            <a target="_blank" href="https://twitter.com/Riskinfonews" title="Twitter">
2543                <i class="td-icon-font td-icon-twitter"></i>
2544            </a>
2545        </span>            </div>
2546            <!-- close button -->
2547            <div class="td-mobile-close">
2548                <a href="#"><i class="td-icon-close-mobile"></i></a>
2549            </div>
2550        </div>
2551
2552        <!-- login section -->
2553        
2554        <!-- menu section -->
2555        <div class="td-mobile-content">
2556            <div class="menu-main-container"><ul id="menu-main" class="td-mobile-main-menu"><li id="menu-item-19614" class="Active menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-first menu-item-19614"><a href="https://riskinfo.com.au/news">News</a></li>
2557<li id="menu-item-47950" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-47950"><a href="https://riskinfo.com.au/roundtable">Round Tables</a></li>
2558<li id="menu-item-19615" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-19615"><a href="https://riskinfo.com.au/resource-centre">Resource Centre</a></li>
2559<li id="menu-item-61520" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-61520"><a href="https://riskinfo.com.au/live-quotes/">Live Quotes</a></li>
2560<li id="menu-item-19619" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-19619"><a href="https://riskinfo.com.au/calendar">Calendar</a></li>
2561<li id="menu-item-47949" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-47949"><a href="#">Adviser Tools<i class="td-icon-menu-right td-element-after"></i></a>
2562<ul class="sub-menu">
2563	<li id="menu-item-47951" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-47951"><a href="https://riskinfo.com.au/adviserfocus/">Adviser Focus</a></li>
2564	<li id="menu-item-51747" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-51747"><a target="_blank" href="https://riskinfo.com.au/learning">CPD Points</a></li>
2565	<li id="menu-item-26075" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-26075"><a href="https://riskinfo.com.au/case-studies/">Case Studies</a></li>
2566	<li id="menu-item-19616" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-19616"><a href="https://riskinfo.com.au/underwriting-requirements">UW Requirements</a></li>
2567</ul>
2568</li>
2569<li id="menu-item-20034" class="highlight menu-item menu-item-type-custom menu-item-object-custom menu-item-20034"><a href="https://riskinfo.com.au/register">Register</a></li>
2570<li id="menu-item-19620" class="home menu-item menu-item-type-custom menu-item-object-custom menu-item-19620"><a href="https://riskinfo.com.au/"><i class="fa fa-home"></i><span class="fontawesome-text">  </span></a></li>
2571</ul></div>        </div>
2572    </div>
2573
2574    <!-- register/login section -->
2575            <div id="login-form-mobile" class="td-register-section">
2576            
2577            <div id="td-login-mob" class="td-login-animation td-login-hide-mob">
2578            	<!-- close button -->
2579	            <div class="td-login-close">
2580	                <a href="#" class="td-back-button"><i class="td-icon-read-down"></i></a>
2581	                <div class="td-login-title">Sign in</div>
2582	                <!-- close button -->
2583		            <div class="td-mobile-close">
2584		                <a href="#"><i class="td-icon-close-mobile"></i></a>
2585		            </div>
2586	            </div>
2587	            <div class="td-login-form-wrap">
2588	                <div class="td-login-panel-title"><span>Welcome!</span>Log into your account</div>
2589	                <div class="td_display_err"></div>
2590	                <div class="td-login-inputs"><input class="td-login-input" type="text" name="login_email" id="login_email-mob" value="" required><label>your username</label></div>
2591	                <div class="td-login-inputs"><input class="td-login-input" type="password" name="login_pass" id="login_pass-mob" value="" required><label>your password</label></div>
2592	                <input type="button" name="login_button" id="login_button-mob" class="td-login-button" value="LOG IN">
2593	                <div class="td-login-info-text">
2594	                <a href="#" id="forgot-pass-link-mob">Forgot your password?</a>
2595	                </div>
2596	                <div class="td-login-register-link">
2597	                
2598	                </div>
2599	                
2600	                
2601
2602                </div>
2603            </div>
2604
2605            
2606            
2607            
2608            
2609            <div id="td-forgot-pass-mob" class="td-login-animation td-login-hide-mob">
2610                <!-- close button -->
2611	            <div class="td-forgot-pass-close">
2612	                <a href="#" class="td-back-button"><i class="td-icon-read-down"></i></a>
2613	                <div class="td-login-title">Password recovery</div>
2614	            </div>
2615	            <div class="td-login-form-wrap">
2616	                <div class="td-login-panel-title">Recover your password</div>
2617	                <div class="td_display_err"></div>
2618	                <div class="td-login-inputs"><input class="td-login-input" type="text" name="forgot_email" id="forgot_email-mob" value="" required><label>your email</label></div>
2619	                <input type="button" name="forgot_button" id="forgot_button-mob" class="td-login-button" value="Send My Pass">
2620                </div>
2621            </div>
2622        </div>
2623    </div>    <div class="td-search-background"></div>
2624<div class="td-search-wrap-mob">
2625	<div class="td-drop-down-search">
2626		<form method="get" class="td-search-form" action="https://riskinfo.com.au/news/">
2627			<!-- close button -->
2628			<div class="td-search-close">
2629				<a href="#"><i class="td-icon-close-mobile"></i></a>
2630			</div>
2631			<div role="search" class="td-search-input">
2632				<span>Search</span>
2633				<input id="td-header-search-mob" type="text" value="" name="s" autocomplete="off" />
2634			</div>
2635		</form>
2636		<div id="td-aj-search-mob"></div>
2637	</div>
2638</div>
2639
2640    <div id="td-outer-wrap" class="td-theme-wrap">
2641    
2642        
2643            <div class="tdc-header-wrap ">
2644
2645            <div class="post-77243 page type-page status-publish">
2646	
2647<!-- TAKE OVER ADS -->
2648<div class="ADdesktoptakeover">
2649	<div class="g g-15"><div class="g-single a-2046"><!-- START TAKE OVER ADS -->
2650
2651<!-- LEFT AD -->
2652<div style="position: absolute; left: 50%; position: absolute; margin-left: -722px;  z-index: 10000; "><iframe src="https://riskinfo.com.au/wp-content/banners/26011/Neos/left/index.html" height="700" width="140" frameborder="0" style="border:none;" scrolling="no" style="margin-bottom: 10px;"></iframe>
2653</div>
2654
2655<!-- RIGHT AD -->
2656<div style="position: absolute; left: 50%; position: absolute; margin-left: 581px;  z-index: 10000; "><iframe src="https://riskinfo.com.au/wp-content/banners/26011/Neos/right/index.html" height="700" width="140" frameborder="0" style="border:none;" scrolling="no" style="margin-bottom: 10px;"></iframe>
2657</div>
2658
2659
2660
2661<!-- TOP AD -->
2662<div style="height: 100px; width: 1164px; ">
2663	<div style="position: absolute; left: 50%; position: absolute:; margin-left: -582px;  z-index: 10000; "><iframe src="https://riskinfo.com.au/wp-content/banners/26011/Neos/top/index.html" height="100" width="1164" frameborder="0" style="border:none;" scrolling="no" style="margin-bottom: 10px;"></iframe>
2664	</div>
2665</div>
2666
2667<!-- END TAKE OVER ADS --></div></div></div>
2668<div class="ADdesktoptakeoverSmartphone">
2669	<div class="g g-16"><div class="g-single a-2047"><p align="center"><iframe src="https://riskinfo.com.au/wp-content/banners/26011/Neos/400x100/index.html" width="400" frameborder="0" style="border:none;" scrolling="no" style="margin-bottom: 10px;"></iframe></p></div></div></div>
2670</div>
2671
2672
2673<!--
2674Header style 6
2675-->
2676
2677
2678<div class="td-header-wrap td-header-style-6 ">
2679    
2680    <div class="td-header-top-menu-full td-container-wrap ">
2681        <div class="td-container td-header-row td-header-top-menu">
2682            
2683    <div class="top-bar-style-1">
2684        
2685<div class="td-header-sp-top-menu">
2686
2687
2688	        <div class="td_data_time">
2689            <div >
2690
2691                Monday, October 5, 2026
2692            </div>
2693        </div>
2694    </div>
2695        <div class="td-header-sp-top-widget">
2696            <div class="td-search-btns-wrap">
2697            <a id="td-header-search-button" href="#" role="button" class="dropdown-toggle " data-toggle="dropdown"><i class="td-icon-search"></i></a>
2698        </div>
2699
2700
2701        <div class="td-drop-down-search" aria-labelledby="td-header-search-button">
2702            <form method="get" class="td-search-form" action="https://riskinfo.com.au/news/">
2703                <div role="search" class="td-head-form-search-wrap">
2704                    <input id="td-header-search" type="text" value="" name="s" autocomplete="off" /><input class="wpb_button wpb_btn-inverse btn" type="submit" id="td-header-search-top" value="Search" />
2705                </div>
2706            </form>
2707            <div id="td-aj-search"></div>
2708        </div>
2709    
2710    
2711        
2712        <span class="td-social-icon-wrap">
2713            <a target="_blank" href="https://www.facebook.com/riskinfonews" title="Facebook">
2714                <i class="td-icon-font td-icon-facebook"></i>
2715            </a>
2716        </span>
2717        <span class="td-social-icon-wrap">
2718            <a target="_blank" href="https://www.linkedin.com/company/riskinfo/" title="Linkedin">
2719                <i class="td-icon-font td-icon-linkedin"></i>
2720            </a>
2721        </span>
2722        <span class="td-social-icon-wrap">
2723            <a target="_blank" href="mailto:[email protected]" title="Mail">
2724                <i class="td-icon-font td-icon-mail-1"></i>
2725            </a>
2726        </span>
2727        <span class="td-social-icon-wrap">
2728            <a target="_blank" href="https://twitter.com/Riskinfonews" title="Twitter">
2729                <i class="td-icon-font td-icon-twitter"></i>
2730            </a>
2731        </span>    </div>    </div>
2732
2733<!-- LOGIN MODAL -->
2734
2735                <div  id="login-form" class="white-popup-block mfp-hide mfp-with-anim">
2736                    <div class="td-login-wrap">
2737                        <a href="#" class="td-back-button"><i class="td-icon-modal-back"></i></a>
2738                        <div id="td-login-div" class="td-login-form-div td-display-block">
2739                            <div class="td-login-panel-title">Sign in</div>
2740                            <div class="td-login-panel-descr">Welcome! Log into your account</div>
2741                            <div class="td_display_err"></div>
2742                            <div class="td-login-inputs"><input class="td-login-input" type="text" name="login_email" id="login_email" value="" required><label>your username</label></div>
2743	                        <div class="td-login-inputs"><input class="td-login-input" type="password" name="login_pass" id="login_pass" value="" required><label>your password</label></div>
2744                            <input type="button" name="login_button" id="login_button" class="wpb_button btn td-login-button" value="Login">
2745                            <div class="td-login-info-text"><a href="#" id="forgot-pass-link">Forgot your password? Get help</a></div>
2746                            
2747                            
2748                            
2749                            
2750                        </div>
2751
2752                        
2753
2754                         <div id="td-forgot-pass-div" class="td-login-form-div td-display-none">
2755                            <div class="td-login-panel-title">Password recovery</div>
2756                            <div class="td-login-panel-descr">Recover your password</div>
2757                            <div class="td_display_err"></div>
2758                            <div class="td-login-inputs"><input class="td-login-input" type="text" name="forgot_email" id="forgot_email" value="" required><label>your email</label></div>
2759                            <input type="button" name="forgot_button" id="forgot_button" class="wpb_button btn td-login-button" value="Send My Password">
2760                            <div class="td-login-info-text">A password will be e-mailed to you.</div>
2761                        </div>
2762                        
2763                        
2764                    </div>
2765                </div>
2766                        </div>
2767    </div>
2768
2769    <div class="td-header-menu-wrap-full td-container-wrap ">
2770        
2771        <div class="td-header-menu-wrap td-header-menu-no-search">
2772            <div class="td-container td-header-row td-header-main-menu black-menu">
2773                
2774    <div class="td-search-wrapper">
2775        <div id="td-top-search">
2776            <!-- Search -->
2777            <div class="header-search-wrap">
2778                <div class="dropdown header-search">
2779                    <a id="td-header-search-button-mob" href="#" class="dropdown-toggle " data-toggle="dropdown"><i class="td-icon-search"></i></a>
2780                </div>
2781            </div>
2782        </div>
2783    </div>
2784
2785<div id="td-header-menu" role="navigation">
2786    <div id="td-top-mobile-toggle"><a href="#"><i class="td-icon-font td-icon-mobile"></i></a></div>
2787    <div class="td-main-menu-logo td-logo-in-menu">
2788        <h1 class="td-logo">    
2789    	<div id="categoryID"class="post-77243 page type-page status-publish">
2790    	
2791        <a class="td-main-logo" href="https://riskinfo.com.au/">
2792            <img class="td-retina-data" data-retina="https://riskinfo.com.au/wp-content/blogs.dir/1/files/2020/01/RiskInfo-Logo-544.png" src="https://riskinfo.com.au/wp-content/blogs.dir/1/files/2020/01/RiskInfo-Logo-272.png" alt=""/>
2793            
2794            <!--         ADVISER FOCUS LOGO -->
2795                    
2796
2797        
2798
2799                    
2800            <span class="td-visual-hidden">riskinfo » News</span>
2801        </a>
2802        
2803        </div><!-- CLOSE categoryID -->
2804        
2805        
2806    </h1>    </div>
2807    <div class="menu-main-container"><ul id="menu-main-1" class="sf-menu"><li class="Active menu-item menu-item-type-custom menu-item-object-custom menu-item-home menu-item-first td-menu-item td-normal-menu menu-item-19614"><a href="https://riskinfo.com.au/news">News</a></li>
2808<li class="menu-item menu-item-type-custom menu-item-object-custom td-menu-item td-normal-menu menu-item-47950"><a href="https://riskinfo.com.au/roundtable">Round Tables</a></li>
2809<li class="menu-item menu-item-type-custom menu-item-object-custom td-menu-item td-normal-menu menu-item-19615"><a href="https://riskinfo.com.au/resource-centre">Resource Centre</a></li>
2810<li class="menu-item menu-item-type-custom menu-item-object-custom td-menu-item td-normal-menu menu-item-61520"><a href="https://riskinfo.com.au/live-quotes/">Live Quotes</a></li>
2811<li class="menu-item menu-item-type-custom menu-item-object-custom td-menu-item td-normal-menu menu-item-19619"><a href="https://riskinfo.com.au/calendar">Calendar</a></li>
2812<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children td-menu-item td-normal-menu menu-item-47949"><a href="#">Adviser Tools</a>
2813<ul class="sub-menu">
2814	<li class="menu-item menu-item-type-custom menu-item-object-custom td-menu-item td-normal-menu menu-item-47951"><a href="https://riskinfo.com.au/adviserfocus/">Adviser Focus</a></li>
2815	<li class="menu-item menu-item-type-custom menu-item-object-custom td-menu-item td-normal-menu menu-item-51747"><a target="_blank" href="https://riskinfo.com.au/learning">CPD Points</a></li>
2816	<li class="menu-item menu-item-type-custom menu-item-object-custom td-menu-item td-normal-menu menu-item-26075"><a href="https://riskinfo.com.au/case-studies/">Case Studies</a></li>
2817	<li class="menu-item menu-item-type-custom menu-item-object-custom td-menu-item td-normal-menu menu-item-19616"><a href="https://riskinfo.com.au/underwriting-requirements">UW Requirements</a></li>
2818</ul>
2819</li>
2820<li class="highlight menu-item menu-item-type-custom menu-item-object-custom td-menu-item td-normal-menu menu-item-20034"><a href="https://riskinfo.com.au/register">Register</a></li>
2821<li class="home menu-item menu-item-type-custom menu-item-object-custom td-menu-item td-normal-menu menu-item-19620"><a href="https://riskinfo.com.au/"><i class="fa fa-home"></i><span class="fontawesome-text">  </span></a></li>
2822</ul></div></div>            </div>
2823        </div>
2824    </div>
2825
2826    
2827</div>
2828
2829					<!-- ////////////////// -->
2830					<!-- // MOBILE AD BLOCK -->
2831					
2832	            	<div class="MobileAds" style="text-align: center;"><div class="g g-9"><div class="g-single a-2040"><p align="center"><a class="gofollow" data-track="MjA0MCw5LDMsMTA=" href="https://www.acenda.com.au/tpdseverity?utm_source=riskinfo&utm_medium=mobile-banner-static&utm_campaign=tpd-severity2&utm_content=400x100-tools" target="_blank"><img src="https://riskinfo.com.au/news/files/2026/09/RLSE001-3.gif" /></a></p></div></div></div>
2833            </div>
2834
2835            
2836        
2837            <div class="td-main-content-wrap td-main-page-wrap td-container-wrap">
2838                <div class="tdc-content-wrap">
2839                    <div id="tdi_1_fcc" class="tdc-row"><div class="vc_row tdi_2_f97  wpb_row td-pb-row" >
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2849/* custom css */
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2853</style><div class="wpb_wrapper">
2854	<div class="wpb_text_column wpb_content_element " >
2855		<div class="wpb_wrapper">
2856			<div id="tdi_5_7c1" class="tdc-zone"><div class="tdc_zone tdi_6_6c7  wpb_row td-pb-row"  >
2857<style scoped>
2858
2859/* custom css */
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2863</style></div></div>
2864
2865		</div>
2866	</div>
2867</div></div></div></div><div id="tdi_7_7c9" class="tdc-row"><div class="vc_row tdi_8_9a7  wpb_row td-pb-row" >
2868<style scoped>
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2874</style><div class="vc_column tdi_10_6c9  wpb_column vc_column_container tdc-column td-pb-span8">
2875<style scoped>
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2921
2922        <div class="td_module_1 td_module_wrap td-animation-stack">
2923            <div class="td-module-image">
2924                <div class="td-module-thumb"><a href="https://riskinfo.com.au/news/2026/10/02/two-key-appointments-at-pps-mutual/" rel="bookmark" class="td-image-wrap" title="Two Key Appointments at PPS Mutual"><img fetchpriority="high" decoding="async" width="324" height="160" class="entry-thumb" src="https://riskinfo.com.au/news/files/2026/10/261002-PPS-Mutual-iStock-2158078875-324x160.jpg"  srcset="https://riskinfo.com.au/news/files/2026/10/261002-PPS-Mutual-iStock-2158078875-324x160.jpg 324w, https://riskinfo.com.au/news/files/2026/10/261002-PPS-Mutual-iStock-2158078875-533x261.jpg 533w" sizes="(max-width: 324px) 100vw, 324px"  alt="" title="Two Key Appointments at PPS Mutual" /></a></div>                            </div>
2925            <h3 class="entry-title td-module-title"><a href="https://riskinfo.com.au/news/2026/10/02/two-key-appointments-at-pps-mutual/" rel="bookmark" title="Two Key Appointments at PPS Mutual">Two Key Appointments at PPS Mutual</a></h3>
2926            <div class="td-module-meta-info">
2927                                <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-10-02T10:29:28+00:00" >October 2, 2026</time></span>                <span class="td-module-comments"><a href="https://riskinfo.com.au/news/2026/10/02/two-key-appointments-at-pps-mutual/#respond">0</a></span>            </div>
2928
2929            
2930        </div>
2931
2932        
2933	</div> <!-- ./td-block-span6 -->
2934
2935	<div class="td-block-span6">
2936
2937        <div class="td_module_1 td_module_wrap td-animation-stack">
2938            <div class="td-module-image">
2939                <div class="td-module-thumb"><a href="https://riskinfo.com.au/news/2026/09/30/cali-supports-customer-choice-and-affordability-for-mental-health/" rel="bookmark" class="td-image-wrap" title="CALI Supports Customer Choice And Affordability For Mental Health"><img decoding="async" width="324" height="160" class="entry-thumb" src="https://riskinfo.com.au/news/files/2026/09/260930-CALI-Action-Plan-Cover-324x160.png"  srcset="https://riskinfo.com.au/news/files/2026/09/260930-CALI-Action-Plan-Cover-324x160.png 324w, https://riskinfo.com.au/news/files/2026/09/260930-CALI-Action-Plan-Cover-533x261.png 533w" sizes="(max-width: 324px) 100vw, 324px"  alt="" title="CALI Supports Customer Choice And Affordability For Mental Health" /></a></div>                            </div>
2940            <h3 class="entry-title td-module-title"><a href="https://riskinfo.com.au/news/2026/09/30/cali-supports-customer-choice-and-affordability-for-mental-health/" rel="bookmark" title="CALI Supports Customer Choice And Affordability For Mental Health">CALI Supports Customer Choice And Affordability For Mental Health</a></h3>
2941            <div class="td-module-meta-info">
2942                                <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-09-30T16:34:29+00:00" >September 30, 2026</time></span>                <span class="td-module-comments"><a href="https://riskinfo.com.au/news/2026/09/30/cali-supports-customer-choice-and-affordability-for-mental-health/#respond">0</a></span>            </div>
2943
2944            
2945        </div>
2946
2947        
2948	</div> <!-- ./td-block-span6 --></div><!--./row-fluid-->
2949
2950	<div class="td-block-row">
2951
2952	<div class="td-block-span6">
2953
2954        <div class="td_module_1 td_module_wrap td-animation-stack">
2955            <div class="td-module-image">
2956                <div class="td-module-thumb"><a href="https://riskinfo.com.au/news/2026/09/29/high-cost-of-life-insurance-perception-reality/" rel="bookmark" class="td-image-wrap" title="High Cost of Life Insurance &#8211; Perception/Reality"><img decoding="async" width="324" height="160" class="entry-thumb" src="https://riskinfo.com.au/news/files/2026/09/260929-iStock-2286153822-e1790651587716-324x160.jpg"  srcset="https://riskinfo.com.au/news/files/2026/09/260929-iStock-2286153822-e1790651587716-324x160.jpg 324w, https://riskinfo.com.au/news/files/2026/09/260929-iStock-2286153822-e1790651587716-533x261.jpg 533w" sizes="(max-width: 324px) 100vw, 324px"  alt="" title="High Cost of Life Insurance &#8211; Perception/Reality" /></a></div>                            </div>
2957            <h3 class="entry-title td-module-title"><a href="https://riskinfo.com.au/news/2026/09/29/high-cost-of-life-insurance-perception-reality/" rel="bookmark" title="High Cost of Life Insurance &#8211; Perception/Reality">High Cost of Life Insurance &#8211; Perception/Reality</a></h3>
2958            <div class="td-module-meta-info">
2959                                <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-09-29T13:13:17+00:00" >September 29, 2026</time></span>                <span class="td-module-comments"><a href="https://riskinfo.com.au/news/2026/09/29/high-cost-of-life-insurance-perception-reality/#respond">0</a></span>            </div>
2960
2961            
2962        </div>
2963
2964        
2965	</div> <!-- ./td-block-span6 -->
2966
2967	<div class="td-block-span6">
2968
2969        <div class="td_module_1 td_module_wrap td-animation-stack">
2970            <div class="td-module-image">
2971                <div class="td-module-thumb"><a href="https://riskinfo.com.au/news/2026/09/29/risk-hub-launches-end-to-end-risk-advice-platform/" rel="bookmark" class="td-image-wrap" title="Risk Hub Launches End-To-End Risk Advice Platform"><img loading="lazy" decoding="async" width="324" height="160" class="entry-thumb" src="https://riskinfo.com.au/news/files/2026/09/260929-Risk-Hub-iStock-2210883232-e1790892608976-324x160.jpg"  srcset="https://riskinfo.com.au/news/files/2026/09/260929-Risk-Hub-iStock-2210883232-e1790892608976-324x160.jpg 324w, https://riskinfo.com.au/news/files/2026/09/260929-Risk-Hub-iStock-2210883232-e1790892608976-533x261.jpg 533w" sizes="auto, (max-width: 324px) 100vw, 324px"  alt="" title="Risk Hub Launches End-To-End Risk Advice Platform" /></a></div>                            </div>
2972            <h3 class="entry-title td-module-title"><a href="https://riskinfo.com.au/news/2026/09/29/risk-hub-launches-end-to-end-risk-advice-platform/" rel="bookmark" title="Risk Hub Launches End-To-End Risk Advice Platform">Risk Hub Launches End-To-End Risk Advice Platform</a></h3>
2973            <div class="td-module-meta-info">
2974                                <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-09-29T11:28:47+00:00" >September 29, 2026</time></span>                <span class="td-module-comments"><a href="https://riskinfo.com.au/news/2026/09/29/risk-hub-launches-end-to-end-risk-advice-platform/#comments">1</a></span>            </div>
2975
2976            
2977        </div>
2978
2979        
2980	</div> <!-- ./td-block-span6 --></div><!--./row-fluid--></div></div> <!-- ./block --><div class="td_block_wrap td_block_text_with_title tdi_12_33c tagdiv-type td-pb-border-top premierAlt td_block_template_1"  data-td-block-uid="tdi_12_33c" ><div class="td-block-title-wrap"></div><div class="td_mod_wrap td-fix-index"><div class="g g-13"><div class="g-single a-2041"><p align="center"><a class="gofollow" data-track="MjA0MSwxMywzLDEw" href="https://adviser.tal.com.au/products/tpd-support-option?mcode=2026072900000010" target="_blank"><img decoding="async" src="https://riskinfo.com.au/news/files/2026/09/TAL1007_RI_Billboard_800x200.jpg" /></a></p></div></div>
2981</div></div><div class="vc_row_inner tdi_14_772  vc_row vc_inner wpb_row td-pb-row" >
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3002		<div class="pollHeader" style="margin-bottom:10px"><strong>The high cost of life insurance in Australia is more perceived than actual.</strong></div><div id="polls-372-ans" class="wp-polls-ans">
3003		<div style="margin-bottom: 3px;clear: both;border-bottom: dotted 1px #fff;padding-bottom: 2px;overflow:auto">
3004
3005<span style="float: left"><input type="radio" id="poll-answer-1446" name="poll_372" value="1446" /></span> 
3006
3007<label for="poll-answer-1446" style="padding-left: 5%;float: left;width: 85%"><span>Agree</span></label>
3008
3009</div><div style="clear:both" /></div>
3010		<div style="margin-bottom: 3px;clear: both;border-bottom: dotted 1px #fff;padding-bottom: 2px;overflow:auto">
3011
3012<span style="float: left"><input type="radio" id="poll-answer-1447" name="poll_372" value="1447" /></span> 
3013
3014<label for="poll-answer-1447" style="padding-left: 5%;float: left;width: 85%"><span>Disagree</span></label>
3015
3016</div><div style="clear:both" /></div>
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3018
3019<span style="float: left"><input type="radio" id="poll-answer-1448" name="poll_372" value="1448" /></span> 
3020
3021<label for="poll-answer-1448" style="padding-left: 5%;float: left;width: 85%"><span>Depends on the product</span></label>
3022
3023</div><div style="clear:both" /></div>
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3025
3026<span style="float: left"><input type="radio" id="poll-answer-1449" name="poll_372" value="1449" /></span> 
3027
3028<label for="poll-answer-1449" style="padding-left: 5%;float: left;width: 85%"><span>Not sure</span></label>
3029
3030</div><div style="clear:both" /></div>
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3032	</form>
3033</div>
3034
3035</div></div></div></div></div><div class="vc_column_inner tdi_19_6ff  wpb_column vc_column_container tdc-inner-column td-pb-span6">
3036<style scoped>
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3042</style><div class="vc_column-inner"><div class="wpb_wrapper"><div class="wpb_wrapper td_block_wrap vc_widget_sidebar tdi_21_a24 " ><aside class="td_block_template_1 widget widget_recent_comments"><h4 class="block-title"><span>Recent Comments</span></h4><ul id="better-recent-comments" class="recent-comments-list"><li class="recentcomments recent-comment"><div class="comment-wrap"><span class="comment-author-link">Julie Bennett</span> on <span class="comment-post"><a href="https://riskinfo.com.au/news/2026/09/29/risk-hub-launches-end-to-end-risk-advice-platform/#comment-51184">Risk Hub Launches End-To-End Risk Advice Platform</a></span>: &ldquo;<span class="comment-excerpt">Congratulations Marc.</span>&rdquo;</div></li><li class="recentcomments recent-comment"><div class="comment-wrap"><span class="comment-author-link">Squeaky'21</span> on <span class="comment-post"><a href="https://riskinfo.com.au/news/2026/09/21/confusion-driving-consumers-away-from-life-insurance/#comment-51183">Confusion Driving Consumers Away From Life Insurance</a></span>: &ldquo;<span class="comment-excerpt">Between Jeremy and Old Risky&#x27;s comments I&#x27;m not sure there&#x27;s much more that can be said. As usual those two&hellip;</span>&rdquo;</div></li><li class="recentcomments recent-comment"><div class="comment-wrap"><span class="comment-author-link">Old Risky</span> on <span class="comment-post"><a href="https://riskinfo.com.au/news/2026/09/21/confusion-driving-consumers-away-from-life-insurance/#comment-51182">Confusion Driving Consumers Away From Life Insurance</a></span>: &ldquo;<span class="comment-excerpt">Well indeed, the pigeons are coming home to roost, as advisers have always said they would, when the insurers developed&hellip;</span>&rdquo;</div></li></ul></aside></div></div></div></div></div><div class="td_block_wrap td_block_7 tdi_22_262 td-pb-border-top td_block_template_1 td-column-2 td_block_padding"  data-td-block-uid="tdi_22_262" >
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3059<div class="td-block-title-wrap"><h4 class="block-title td-block-title"><span class="td-pulldown-size">Recent News</span></h4></div><div id=tdi_22_262 class="td_block_inner">
3060
3061	<div class="td-block-row">
3062
3063	<div class="td-block-span6">
3064
3065        <div class="td_module_6 td_module_wrap td-animation-stack">
3066
3067        <div class="td-module-thumb"><a href="https://riskinfo.com.au/news/2026/09/30/insurance-a-key-driver-in-new-australian-resilience-index/" rel="bookmark" class="td-image-wrap" title="Insurance a Key Driver in New Australian Resilience Index"><img loading="lazy" decoding="async" width="100" height="70" class="entry-thumb" src="https://riskinfo.com.au/news/files/2026/09/260930-Zurich-100x70.png"  srcset="https://riskinfo.com.au/news/files/2026/09/260930-Zurich-100x70.png 100w, https://riskinfo.com.au/news/files/2026/09/260930-Zurich-218x150.png 218w, https://riskinfo.com.au/news/files/2026/09/260930-Zurich-436x300.png 436w" sizes="auto, (max-width: 100px) 100vw, 100px"  alt="" title="Insurance a Key Driver in New Australian Resilience Index" /></a></div>
3068        <div class="item-details">
3069            <h3 class="entry-title td-module-title"><a href="https://riskinfo.com.au/news/2026/09/30/insurance-a-key-driver-in-new-australian-resilience-index/" rel="bookmark" title="Insurance a Key Driver in New Australian Resilience Index">Insurance a Key Driver in New Australian Resilience Index</a></h3>            <div class="td-module-meta-info">
3070                                                <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-09-30T07:20:41+00:00" >September 30, 2026</time></span>                            </div>
3071        </div>
3072
3073        </div>
3074
3075        
3076	</div> <!-- ./td-block-span6 -->
3077
3078	<div class="td-block-span6">
3079
3080        <div class="td_module_6 td_module_wrap td-animation-stack">
3081
3082        <div class="td-module-thumb"><a href="https://riskinfo.com.au/news/2026/09/29/australians-encouraged-to-spend-time-together/" rel="bookmark" class="td-image-wrap" title="Australians Encouraged to Spend Time Together"><img loading="lazy" decoding="async" width="100" height="70" class="entry-thumb" src="https://riskinfo.com.au/news/files/2026/09/260929-TAL-iStock-1482584637-100x70.jpg"  srcset="https://riskinfo.com.au/news/files/2026/09/260929-TAL-iStock-1482584637-100x70.jpg 100w, https://riskinfo.com.au/news/files/2026/09/260929-TAL-iStock-1482584637-218x150.jpg 218w, https://riskinfo.com.au/news/files/2026/09/260929-TAL-iStock-1482584637-436x300.jpg 436w" sizes="auto, (max-width: 100px) 100vw, 100px"  alt="" title="Australians Encouraged to Spend Time Together" /></a></div>
3083        <div class="item-details">
3084            <h3 class="entry-title td-module-title"><a href="https://riskinfo.com.au/news/2026/09/29/australians-encouraged-to-spend-time-together/" rel="bookmark" title="Australians Encouraged to Spend Time Together">Australians Encouraged to Spend Time Together</a></h3>            <div class="td-module-meta-info">
3085                                                <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-09-29T12:42:25+00:00" >September 29, 2026</time></span>                            </div>
3086        </div>
3087
3088        </div>
3089
3090        
3091	</div> <!-- ./td-block-span6 --></div><!--./row-fluid-->
3092
3093	<div class="td-block-row">
3094
3095	<div class="td-block-span6">
3096
3097        <div class="td_module_6 td_module_wrap td-animation-stack">
3098
3099        <div class="td-module-thumb"><a href="https://riskinfo.com.au/news/2026/09/21/finalists-announced-for-2026-faaa-awards/" rel="bookmark" class="td-image-wrap" title="Finalists Announced for 2026 FAAA Awards"><img loading="lazy" decoding="async" width="100" height="70" class="entry-thumb" src="https://riskinfo.com.au/news/files/2026/09/260921-FAAA-awards-iStock-22295384731-100x70.jpg"  srcset="https://riskinfo.com.au/news/files/2026/09/260921-FAAA-awards-iStock-22295384731-100x70.jpg 100w, https://riskinfo.com.au/news/files/2026/09/260921-FAAA-awards-iStock-22295384731-218x150.jpg 218w, https://riskinfo.com.au/news/files/2026/09/260921-FAAA-awards-iStock-22295384731-436x300.jpg 436w" sizes="auto, (max-width: 100px) 100v
3099w, 100px"  alt="" title="Finalists Announced for 2026 FAAA Awards" /></a></div>
3100        <div class="item-details">
3101            <h3 class="entry-title td-module-title"><a href="https://riskinfo.com.au/news/2026/09/21/finalists-announced-for-2026-faaa-awards/" rel="bookmark" title="Finalists Announced for 2026 FAAA Awards">Finalists Announced for 2026 FAAA Awards</a></h3>            <div class="td-module-meta-info">
3102                                                <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-09-21T13:47:45+00:00" >September 21, 2026</time></span>                            </div>
3103        </div>
3104
3105        </div>
3106
3107        
3108	</div> <!-- ./td-block-span6 -->
3109
3110	<div class="td-block-span6">
3111
3112        <div class="td_module_6 td_module_wrap td-animation-stack">
3113
3114        <div class="td-module-thumb"><a href="https://riskinfo.com.au/news/2026/09/21/marloo-launches-ai-assistant-across-whole-client-book/" rel="bookmark" class="td-image-wrap" title="Marloo Launches AI Assistant Across Whole Client Book"><img loading="lazy" decoding="async" width="100" height="70" class="entry-thumb" src="https://riskinfo.com.au/news/files/2026/09/260921-marloo-iStock-2230377772-100x70.jpg"  srcset="https://riskinfo.com.au/news/files/2026/09/260921-marloo-iStock-2230377772-100x70.jpg 100w, https://riskinfo.com.au/news/files/2026/09/260921-marloo-iStock-2230377772-218x150.jpg 218w, https://riskinfo.com.au/news/files/2026/09/260921-marloo-iStock-2230377772-436x300.jpg 436w" sizes="auto, (max-width: 100px) 100vw, 100px"  alt="" title="Marloo Launches AI Assistant Across Whole Client Book" /></a></div>
3115        <div class="item-details">
3116            <h3 class="entry-title td-module-title"><a href="https://riskinfo.com.au/news/2026/09/21/marloo-launches-ai-assistant-across-whole-client-book/" rel="bookmark" title="Marloo Launches AI Assistant Across Whole Client Book">Marloo Launches AI Assistant Across Whole Client Book</a></h3>            <div class="td-module-meta-info">
3117                                                <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-09-21T11:32:43+00:00" >September 21, 2026</time></span>                            </div>
3118        </div>
3119
3120        </div>
3121
3122        
3123	</div> <!-- ./td-block-span6 --></div><!--./row-fluid-->
3124
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3130
3131        <div class="td-module-thumb"><a href="https://riskinfo.com.au/news/2026/09/15/advisers-urged-to-stop-being-the-bottleneck/" rel="bookmark" class="td-image-wrap" title="Advisers Urged to Stop Being the Bottleneck"><img loading="lazy" decoding="async" width="100" height="70" class="entry-thumb" src="https://riskinfo.com.au/news/files/2026/09/Amanda-Cassar-2026-0022-100x70.jpg"  srcset="https://riskinfo.com.au/news/files/2026/09/Amanda-Cassar-2026-0022-100x70.jpg 100w, https://riskinfo.com.au/news/files/2026/09/Amanda-Cassar-2026-0022-218x150.jpg 218w, https://riskinfo.com.au/news/files/2026/09/Amanda-Cassar-2026-0022-436x300.jpg 436w" sizes="auto, (max-width: 100px) 100vw, 100px"  alt="" title="Advisers Urged to Stop Being the Bottleneck" /></a></div>
3132        <div class="item-details">
3133            <h3 class="entry-title td-module-title"><a href="https://riskinfo.com.au/news/2026/09/15/advisers-urged-to-stop-being-the-bottleneck/" rel="bookmark" title="Advisers Urged to Stop Being the Bottleneck">Advisers Urged to Stop Being the Bottleneck</a></h3>            <div class="td-module-meta-info">
3134                                                <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-09-15T15:43:59+00:00" >September 15, 2026</time></span>                            </div>
3135        </div>
3136
3137        </div>
3138
3139        
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3141
3142	<div class="td-block-span6">
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3144        <div class="td_module_6 td_module_wrap td-animation-stack">
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3146        <div class="td-module-thumb"><a href="https://riskinfo.com.au/news/2026/09/15/cali-program-doubles-opportunities-and-expands-to-women-across-life-insurance/" rel="bookmark" class="td-image-wrap" title="CALI Program Doubles Opportunities and Expands to Women Across 
3146Life Insurance"><img loading="lazy" decoding="async" width="100" height="70" class="entry-thumb" src="https://riskinfo.com.au/news/files/2026/09/260915-CALI-iStock-2153423136-100x70.jpg"  srcset="https://riskinfo.com.au/news/files/2026/09/260915-CALI-iStock-2153423136-100x70.jpg 100w, https://riskinfo.com.au/news/files/2026/09/260915-CALI-iStock-2153423136-218x150.jpg 218w, https://riskinfo.com.au/news/files/2026/09/260915-CALI-iStock-2153423136-436x300.jpg 436w" sizes="auto, (max-width: 100px) 100vw, 100px"  alt="" title="CALI Program Doubles Opportunities and Expands to Women Across Life Insurance" /></a></div>
3147        <div class="item-details">
3148            <h3 class="entry-title td-module-title"><a href="https://riskinfo.com.au/news/2026/09/15/cali-program-doubles-opportunities-and-expands-to-women-across-life-insurance/" rel="bookmark" title="CALI Program Doubles Opportunities and Expands to Women Across Life Insurance">CALI Program Doubles Opportunities and Expands to Women Across Life Insurance</a></h3>            <div class="td-module-meta-info">
3149                                                <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2026-09-15T15:16:39+00:00" >September 15, 2026</time></span>                            </div>
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3152        </div>
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3155	</div> <!-- ./td-block-span6 --></div><!--./row-fluid--></div></div> <!-- ./block --></div></div><div class="vc_column tdi_24_c57  wpb_column vc_column_container tdc-column td-pb-span4">
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3183</div></div></div></div>                </div>
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3221<li class="menu-item menu-item-type-custom menu-item-object-custom td-menu-item td-normal-menu menu-item-47950"><a href="https://riskinfo.com.au/roundtable">Round Tables</a></li>
3222<li class="menu-item menu-item-type-custom menu-item-object-custom td-menu-item td-normal-menu menu-item-19615"><a href="https://riskinfo.com.au/resource-centre">Resource Centre</a></li>
3223<li class="menu-item menu-item-type-custom menu-item-object-custom td-menu-item td-normal-menu menu-item-61520"><a href="https://riskinfo.com.au/live-quotes/">Live Quotes</a></li>
3224<li class="menu-item menu-item-type-custom menu-item-object-custom td-menu-item td-normal-menu menu-item-19619"><a href="https://riskinfo.com.au/calendar">Calendar</a></li>
3225<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children td-menu-item td-normal-menu menu-item-47949"><a href="#">Adviser Tools</a>
3226<ul class="sub-menu">
3227	<li class="menu-item menu-item-type-custom menu-item-object-custom td-menu-item td-normal-menu menu-item-47951"><a href="https://riskinfo.com.au/adviserfocus/">Adviser Focus</a></li>
3228	<li class="menu-item menu-item-type-custom menu-item-object-custom td-menu-item td-normal-menu menu-item-51747"><a target="_blank" href="https://riskinfo.com.au/learning">CPD Points</a></li>
3229	<li class="menu-item menu-item-type-custom menu-item-object-custom td-menu-item td-normal-menu menu-item-26075"><a href="https://riskinfo.com.au/case-studies/">Case Studies</a></li>
3230	<li class="menu-item menu-item-type-custom menu-item-object-custom td-menu-item td-normal-menu menu-item-19616"><a href="https://riskinfo.com.au/underwriting-requirements">UW Requirements</a></li>
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3232</li>
3233<li class="highlight menu-item menu-item-type-custom menu-item-object-custom td-menu-item td-normal-menu menu-item-20034"><a href="https://riskinfo.com.au/register">Register</a></li>
3234<li class="home menu-item menu-item-type-custom menu-item-object-custom td-menu-item td-normal-menu menu-item-19620"><a href="https://riskinfo.com.au/"><i class="fa fa-home"></i><span class="fontawesome-text">  </span></a></li>
3235</ul></div>                </div>
3236
3237                <div class="td-pb-span td-sub-footer-copy">
3238                    &copy; Riskinfo | <a href="http://riskinfo.com.au/contact/">Contact Us</a> | <a href="http://riskinfo.com.au/disclaimer/">Disclaimer</a> | <a href="http://riskinfo.com.au/privacy/">Privacy</a>                </div>
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3266.single-ai1ec_event .entry-date,
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3268.ai1ec-read-more,
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