.elementor-24565 .elementor-element.elementor-element-c5c010e{--display:flex;--flex-direction:row;--container-widget-width:calc( ( 1 - var( --container-widget-flex-grow ) ) * 100% );--container-widget-height:100%;--container-widget-flex-grow:1;--container-widget-align-self:stretch;--flex-wrap-mobile:wrap;--justify-content:space-between;--align-items:flex-start;--gap:0px 0px;--row-gap:0px;--column-gap:0px;--overlay-mix-blend-mode:multiply;--padding-top:160px;--padding-bottom:160px;--padding-left:30px;--padding-right:30px;}.elementor-24565 .elementor-element.elementor-element-c5c010e:not(.elementor-motion-effects-element-type-background), .elementor-24565 .elementor-element.elementor-element-c5c010e > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-color:transparent;background-image:linear-gradient(150deg, #0F43B3 30%, #00CCCC 100%);}.elementor-24565 .elementor-element.elementor-element-c5c010e > .elementor-shape-bottom svg, .elementor-24565 .elementor-element.elementor-element-c5c010e > .e-con-inner > .elementor-shape-bottom svg{width:calc(130% + 1.3px);height:120px;}.elementor-24565 .elementor-element.elementor-element-c5c010e > .elementor-shape-bottom, .elementor-24565 .elementor-element.elementor-element-c5c010e > .e-con-inner > .elementor-shape-bottom{z-index:2;pointer-events:none;}.elementor-24565 .elementor-element.elementor-element-32b884f{--display:flex;--gap:20px 10px;--row-gap:20px;--column-gap:10px;--flex-wrap:wrap;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;--z-index:2;}.elementor-24565 .elementor-element.elementor-element-2dd6bbb{color:var( --e-global-color-476a1a44 );}.elementor-24565 .elementor-element.elementor-element-2dd6bbb a{color:var( --e-global-color-476a1a44 );}.elementor-24565 .elementor-element.elementor-element-febfcfc{width:100%;max-width:100%;}.elementor-24565 .elementor-element.elementor-element-febfcfc > .elementor-widget-container{margin:0px 0px 0px 0px;}.elementor-24565 .elementor-element.elementor-element-febfcfc .elementor-heading-title{text-transform:capitalize;line-height:1.1em;color:var( --e-global-color-476a1a44 );}.elementor-24565 .elementor-element.elementor-element-06b6798 > .elementor-widget-container{margin:0px 0px 0px 0px;}.elementor-24565 .elementor-element.elementor-element-06b6798.elementor-element{--align-self:flex-start;}.elementor-24565 .elementor-element.elementor-element-a97d810{width:var( --container-widget-width, 48% );max-width:48%;--container-widget-width:48%;--container-widget-flex-grow:0;}.elementor-24565 .elementor-element.elementor-element-a97d810:not( .elementor-widget-image ) .elementor-widget-container, .elementor-24565 .elementor-element.elementor-element-a97d810.elementor-widget-image .elementor-widget-container img{-webkit-mask-image:url( https://www.smartbusinessplans.com.au/wp-content/uploads/image-mask.svg );-webkit-mask-size:contain;-webkit-mask-position:center center;-webkit-mask-repeat:no-repeat;}.elementor-24565 .elementor-element.elementor-element-a97d810 img{width:100%;max-width:83%;height:500px;object-fit:cover;object-position:center center;}.elementor-24565 .elementor-element.elementor-element-265746a{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;}.elementor-24565 .elementor-element.elementor-element-eca03e1{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;}.elementor-24565 .elementor-element.elementor-element-eca03e1:not(.elementor-motion-effects-element-type-background), .elementor-24565 .elementor-element.elementor-element-eca03e1 > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-color:#F4F7FF;}.elementor-24565 .elementor-element.elementor-global-11298{width:100%;max-width:100%;}.elementor-24565 .elementor-element.elementor-element-6fbee97{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;}.elementor-24565 .elementor-element.elementor-element-5d5464a{--display:flex;--margin-top:0px;--margin-bottom:0px;--margin-left:0px;--margin-right:0px;--padding-top:0px;--padding-bottom:0px;--padding-left:30px;--padding-right:30px;}.elementor-24565 .elementor-element.elementor-element-5d5464a > .elementor-shape-bottom .elementor-shape-fill, .elementor-24565 .elementor-element.elementor-element-5d5464a > .e-con-inner > .elementor-shape-bottom .elementor-shape-fill{fill:var( --e-global-color-astglobalcolor0 );}.elementor-24565 .elementor-element.elementor-element-5d5464a > .elementor-shape-bottom svg, .elementor-24565 .elementor-element.elementor-element-5d5464a > .e-con-inner > .elementor-shape-bottom svg{height:100px;transform:translateX(-50%) rotateY(180deg);}.elementor-24565 .elementor-element.elementor-element-afd4811{--display:flex;--margin-top:0px;--margin-bottom:0px;--margin-left:0px;--margin-right:0px;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}:root{--page-title-display:none;}@media(max-width:1150px){.elementor-24565 .elementor-element.elementor-element-c5c010e{--flex-direction:column;--container-widget-width:calc( ( 1 - var( --container-widget-flex-grow ) ) * 100% );--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;--align-items:center;--flex-wrap:wrap;--padding-top:120px;--padding-bottom:100px;--padding-left:30px;--padding-right:30px;}.elementor-24565 .elementor-element.elementor-element-c5c010e > .elementor-shape-bottom svg, .elementor-24565 .elementor-element.elementor-element-c5c010e > .e-con-inner > .elementor-shape-bottom svg{height:60px;}.elementor-24565 .elementor-element.elementor-element-32b884f{--flex-direction:row;--container-widget-width:calc( ( 1 - var( --container-widget-flex-grow ) ) * 100% );--container-widget-height:100%;--container-widget-flex-grow:1;--container-widget-align-self:stretch;--flex-wrap-mobile:wrap;--justify-content:center;--align-items:center;--margin-top:0px;--margin-bottom:20px;--margin-left:0px;--margin-right:0px;}.elementor-24565 .elementor-element.elementor-element-febfcfc{text-align:start;}.elementor-24565 .elementor-element.elementor-element-a97d810{width:100%;max-width:100%;}}@media(max-width:767px){.elementor-24565 .elementor-element.elementor-element-c5c010e > .elementor-shape-bottom svg, .elementor-24565 .elementor-element.elementor-element-c5c010e > .e-con-inner > .elementor-shape-bottom svg{height:30px;}.elementor-24565 .elementor-element.elementor-element-c5c010e{--padding-top:140px;--padding-bottom:60px;--padding-left:30px;--padding-right:30px;}.elementor-24565 .elementor-element.elementor-element-32b884f{--justify-content:center;--flex-wrap:wrap;--margin-top:0px;--margin-bottom:20px;--margin-left:0px;--margin-right:0px;}.elementor-24565 .elementor-element.elementor-element-febfcfc{text-align:center;}.elementor-24565 .elementor-element.elementor-element-a97d810 img{height:20em;}}@media(min-width:768px){.elementor-24565 .elementor-element.elementor-element-32b884f{--width:40%;}}@media(max-width:1150px) and (min-width:768px){.elementor-24565 .elementor-element.elementor-element-32b884f{--width:100%;}}/* Start custom CSS for html, class: .elementor-element-479b644 *//* ============================================================
   Business Finance Broker Guide — Section 1
   Prefix: sbp-bfb-s1-
   Layout: H2 + author bar full-width above grid;
           grid = 2/3 body copy + 1/3 nav panel
   Nav panel top aligns with first paragraph (both in grid)
   Section bg: #ffffff (set in Elementor)
   contain: layout style | font-family: inherit
   No table elements | No em dashes | No font imports
   ============================================================ */

.sbp-bfb-s1-wrap {
  contain: layout style;
  font-family: inherit;
  padding: clamp(48px, 5vw, 72px) clamp(20px, 4vw, 48px);
  max-width: 1100px;
  margin: 0 auto;
}

/* ── H2 — full width ── */
.sbp-bfb-s1-h2 {
  font-size: clamp(1.5rem, 3vw, 2rem) !important;
  font-weight: 700 !important;
  color: #0f43b3 !important;
  line-height: 1.25 !important;
  margin: 0 0 16px !important;
  font-family: inherit !important;
}

/* ── AUTHOR BAR — full width ── */
.sbp-bfb-s1-author {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 20px;
}

.sbp-bfb-s1-author-img {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  object-fit: cover;
  object-position: center top;
  border: 2px solid #e5e7eb;
  flex-shrink: 0;
}

.sbp-bfb-s1-author-meta {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 4px 8px;
  font-family: inherit;
}

.sbp-bfb-s1-author-label {
  font-size: 0.78rem !important;
  color: #6b7280 !important;
  font-family: inherit;
}

.sbp-bfb-s1-author-name {
  font-size: 0.78rem !important;
  font-weight: 700 !important;
  color: #0f43b3 !important;
  text-decoration: none !important;
  font-family: inherit;
}

.sbp-bfb-s1-author-name:hover {
  color: #008080 !important;
}

.sbp-bfb-s1-author-sep {
  font-size: 0.78rem !important;
  color: #d1d5db !important;
  font-family: inherit;
}

.sbp-bfb-s1-author-creds {
  font-size: 0.75rem !important;
  color: #9ca3af !important;
  font-family: inherit;
}

/* ── RULE — between author bar and grid ── */
.sbp-bfb-s1-rule {
  height: 1px;
  background: #e5e7eb;
  margin-bottom: 28px;
}

/* ── TWO-COLUMN GRID ── */
.sbp-bfb-s1-grid {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: clamp(32px, 4vw, 52px);
  align-items: start;
}

/* ── LEFT — BODY COPY ── */
.sbp-bfb-s1-p {
  font-size: clamp(0.92rem, 1.4vw, 1rem) !important;
  color: #1a1a1a !important;
  line-height: 1.75;
  margin: 0 0 18px !important;
  font-family: inherit;
}

.sbp-bfb-s1-p:last-child {
  margin-bottom: 0 !important;
}

.sbp-bfb-s1-p strong {
  font-weight: 700;
  color: #0f43b3;
}

/* Inline body links */
.sbp-bfb-s1-link {
  color: #008080 !important;
  text-decoration: underline !important;
  text-decoration-color: #b2dfdf;
  text-underline-offset: 2px;
  font-family: inherit;
  transition: color 0.2s;
}

.sbp-bfb-s1-link:hover {
  color: #0f43b3 !important;
  text-decoration-color: #0f43b3;
}

/* MFAA link inside author creds */
.sbp-bfb-s1-author-creds a {
  color: #9ca3af !important;
  text-decoration: underline !important;
  text-decoration-color: #d1d5db;
  text-underline-offset: 2px;
}

.sbp-bfb-s1-author-creds a:hover {
  color: #008080 !important;
}

/* ── RIGHT — NAV PANEL ── */
.sbp-bfb-s1-nav {
  background: #f8f9fc;
  border: 1px solid #e5e7eb;
  border-left: 4px solid #0f43b3;
  border-radius: 10px;
  padding: 22px;
}

.sbp-bfb-s1-nav-label {
  font-size: 0.68rem !important;
  font-weight: 700 !important;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #008080 !important;
  margin: 0 0 12px !important;
  font-family: inherit;
}

.sbp-bfb-s1-nav-list {
  list-style: none;
  margin: 0 0 18px !important;
  padding: 0 !important;
  counter-reset: nav-counter;
}

.sbp-bfb-s1-nav-list li {
  counter-increment: nav-counter;
  display: flex;
  align-items: baseline;
  gap: 8px;
  padding: 6px 0;
  border-bottom: 1px solid #e5e7eb;
  font-family: inherit;
}

.sbp-bfb-s1-nav-list li:last-child {
  border-bottom: none;
}

.sbp-bfb-s1-nav-list li::before {
  content: counter(nav-counter);
  font-size: 0.65rem !important;
  font-weight: 700;
  color: #fff;
  background: #0f43b3;
  border-radius: 50%;
  min-width: 17px;
  height: 17px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-family: inherit;
}

.sbp-bfb-s1-nav-link {
  font-size: 0.8rem !important;
  color: #374151 !important;
  text-decoration: none !important;
  line-height: 1.4;
  font-family: inherit;
  transition: color 0.2s;
}

.sbp-bfb-s1-nav-link:hover {
  color: #0f43b3 !important;
}

.sbp-bfb-s1-nav-link--active {
  color: #0f43b3 !important;
  font-weight: 600;
}

.sbp-bfb-s1-nav-cta {
  display: block;
  background: #0f43b3;
  color: #fff !important;
  font-size: 0.8rem !important;
  font-weight: 700;
  text-align: center;
  padding: 10px 16px;
  border-radius: 6px;
  text-decoration: none !important;
  transition: background 0.2s;
  font-family: inherit;
}

.sbp-bfb-s1-nav-cta:hover {
  background: #00CCCC;
  color: #0f43b3 !important;
}

/* ── TABLET ≤900px ── */
@media (max-width: 900px) {
  .sbp-bfb-s1-grid {
    grid-template-columns: 1fr;
  }
  .sbp-bfb-s1-nav {
    order: -1;
  }
  .sbp-bfb-s1-author-creds {
    display: none;
  }
}

/* ── MOBILE ≤540px ── */
@media (max-width: 540px) {
  .sbp-bfb-s1-wrap {
    padding: 36px 16px;
  }
  .sbp-bfb-s1-author-sep {
    display: none;
  }
}

@media (prefers-reduced-motion: reduce) {
  .sbp-bfb-s1-nav-link,
  .sbp-bfb-s1-nav-cta,
  .sbp-bfb-s1-author-name {
    transition: none;
  }
}/* End custom CSS */
/* Start custom CSS for html, class: .elementor-element-f73c699 *//* ============================================================
   Business Finance Broker Guide — Section 2
   What a business finance broker can arrange
   Prefix: sbp-bfb-s2-
   Section bg: #f4f7ff (set in Elementor)
   3-column card grid, collapses to 1 on mobile
   contain: layout style | font-family: inherit
   No table elements | No em dashes | No font imports
   ============================================================ */

.sbp-bfb-s2-wrap {
  contain: layout style;
  font-family: inherit;
  padding: clamp(48px, 5vw, 72px) clamp(20px, 4vw, 48px);
}

.sbp-bfb-s2-inner {
  max-width: 1100px;
  margin: 0 auto;
}

/* ── HEADING ── */
.sbp-bfb-s2-h2 {
  font-size: clamp(1.5rem, 3vw, 2rem) !important;
  font-weight: 700 !important;
  color: #0f43b3 !important;
  line-height: 1.25 !important;
  margin: 0 0 16px !important;
  font-family: inherit !important;
}

.sbp-bfb-s2-lead {
  font-size: clamp(0.92rem, 1.4vw, 1rem) !important;
  color: #1a1a1a !important;
  line-height: 1.75;
  max-width: 720px;
  margin: 0 0 36px !important;
  font-family: inherit;
}

/* ── 3-COLUMN GRID ── */
.sbp-bfb-s2-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 32px;
}

/* ── CARD BASE ── */
.sbp-bfb-s2-card {
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 12px;
  padding: clamp(24px, 3vw, 32px);
  display: flex;
  flex-direction: column;
  gap: 14px;
}

/* Card top border accent per category */
.sbp-bfb-s2-card--cpl { border-top: 4px solid #0f43b3; }
.sbp-bfb-s2-card--bl  { border-top: 4px solid #00CCCC; }
.sbp-bfb-s2-card--sp  { border-top: 4px solid #c9a800; }

/* ── CARD HEAD ── */
.sbp-bfb-s2-card-head {
  display: flex;
  align-items: center;
  gap: 10px;
}

.sbp-bfb-s2-card-icon {
  display: flex;
  align-items: center;
  color: #0f43b3;
  flex-shrink: 0;
}

.sbp-bfb-s2-card--bl  .sbp-bfb-s2-card-icon { color: #008080; }
.sbp-bfb-s2-card--sp  .sbp-bfb-s2-card-icon { color: #c9a800; }

.sbp-bfb-s2-card-title {
  font-size: clamp(0.95rem, 1.5vw, 1.05rem) !important;
  font-weight: 700 !important;
  color: #0f43b3 !important;
  margin: 0 !important;
  line-height: 1.3 !important;
  font-family: inherit !important;
}

/* ── CARD DESC ── */
.sbp-bfb-s2-card-desc {
  font-size: 0.85rem !important;
  color: #6b7280 !important;
  line-height: 1.6;
  margin: 0 !important;
  font-family: inherit;
}

/* ── LIST ── */
.sbp-bfb-s2-list {
  list-style: none;
  margin: 0 !important;
  padding: 0 !important;
  display: flex;
  flex-direction: column;
  gap: 0;
}

.sbp-bfb-s2-item {
  border-top: 1px solid #f1f5f9;
  padding: 8px 0;
  font-family: inherit;
}

.sbp-bfb-s2-item:first-child {
  border-top: none;
}

.sbp-bfb-s2-link {
  font-size: 0.87rem !important;
  color: #374151 !important;
  text-decoration: none !important;
  font-family: inherit;
  display: flex;
  align-items: center;
  gap: 6px;
  transition: color 0.2s;
}

.sbp-bfb-s2-link::before {
  content: '';
  display: inline-block;
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: #00CCCC;
  flex-shrink: 0;
}

.sbp-bfb-s2-link:hover {
  color: #0f43b3 !important;
}

/* ── CLOSING NOTE ── */
.sbp-bfb-s2-note {
  font-size: clamp(0.9rem, 1.4vw, 0.97rem) !important;
  color: #374151 !important;
  line-height: 1.75;
  margin: 0 !important;
  padding: 20px 24px;
  background: #eef4ff;
  border-left: 4px solid #0f43b3;
  border-radius: 0 8px 8px 0;
  font-family: inherit;
  font-style: italic;
}

/* ── TABLET ≤900px — 2 columns ── */
@media (max-width: 900px) {
  .sbp-bfb-s2-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .sbp-bfb-s2-card--sp {
    grid-column: 1 / -1;
  }
}

/* ── MOBILE ≤600px — 1 column ── */
@media (max-width: 600px) {
  .sbp-bfb-s2-wrap {
    padding: 36px 16px;
  }
  .sbp-bfb-s2-grid {
    grid-template-columns: 1fr;
  }
  .sbp-bfb-s2-card--sp {
    grid-column: auto;
  }
}

@media (prefers-reduced-motion: reduce) {
  .sbp-bfb-s2-link { transition: none; }
}/* End custom CSS */
/* Start custom CSS for html, class: .elementor-element-1e21ea9 *//* ============================================================
   Business Finance Broker Guide — Section 3
   How a business finance broker is paid
   Prefix: sbp-bfb-s3-
   Section bg: #ffffff (set in Elementor)
   2/3 + 1/3 layout with fee summary sidebar
   contain: layout style | font-family: inherit
   No table elements | No em dashes | No font imports
   ============================================================ */

.sbp-bfb-s3-wrap {
  contain: layout style;
  font-family: inherit;
  padding: clamp(48px, 5vw, 72px) clamp(20px, 4vw, 48px);
}

.sbp-bfb-s3-inner {
  max-width: 1100px;
  margin: 0 auto;
}

/* ── H2 ── */
.sbp-bfb-s3-h2 {
  font-size: clamp(1.5rem, 3vw, 2rem) !important;
  font-weight: 700 !important;
  color: #0f43b3 !important;
  line-height: 1.25 !important;
  margin: 0 0 28px !important;
  font-family: inherit !important;
}

/* ── TWO-COLUMN GRID ── */
.sbp-bfb-s3-grid {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: clamp(32px, 4vw, 52px);
  align-items: start;
}

/* ── LEFT — MAIN COPY ── */
.sbp-bfb-s3-p {
  font-size: clamp(0.92rem, 1.4vw, 1rem) !important;
  color: #1a1a1a !important;
  line-height: 1.75;
  margin: 0 0 18px !important;
  font-family: inherit;
}

.sbp-bfb-s3-p:last-child {
  margin-bottom: 0 !important;
}

.sbp-bfb-s3-p strong {
  font-weight: 700;
  color: #0f43b3;
}

.sbp-bfb-s3-link {
  color: #008080 !important;
  text-decoration: underline !important;
  text-decoration-color: #b2dfdf;
  text-underline-offset: 2px;
  font-family: inherit;
  transition: color 0.2s;
}

.sbp-bfb-s3-link:hover {
  color: #0f43b3 !important;
  text-decoration-color: #0f43b3;
}

/* ── CALLOUT BOX ── */
.sbp-bfb-s3-callout {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  background: #f4f7ff;
  border-left: 4px solid #0f43b3;
  border-radius: 0 8px 8px 0;
  padding: 18px 20px;
  margin: 4px 0 18px !important;
}

.sbp-bfb-s3-callout-icon {
  color: #0f43b3;
  flex-shrink: 0;
  margin-top: 2px;
}

.sbp-bfb-s3-callout-text {
  font-size: 0.9rem !important;
  color: #1a1a1a !important;
  line-height: 1.7;
  margin: 0 !important;
  font-family: inherit;
  font-style: italic;
}

/* ── RIGHT — FEE SUMMARY SIDEBAR ── */
.sbp-bfb-s3-summary {
  background: #f8f9fc;
  border: 1px solid #e5e7eb;
  border-radius: 10px;
  padding: 22px;
}

.sbp-bfb-s3-summary-label {
  font-size: 0.68rem !important;
  font-weight: 700 !important;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #008080 !important;
  margin: 0 0 16px !important;
  font-family: inherit;
}

.sbp-bfb-s3-summary-list {
  list-style: none;
  margin: 0 !important;
  padding: 0 !important;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.sbp-bfb-s3-summary-item {
  display: flex;
  flex-direction: column;
  gap: 5px;
  padding-bottom: 12px;
  border-bottom: 1px solid #e5e7eb;
  font-family: inherit;
}

.sbp-bfb-s3-summary-item:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

/* Badges */
.sbp-bfb-s3-summary-badge {
  display: inline-block;
  font-size: 0.65rem !important;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 2px 9px;
  border-radius: 20px;
  width: fit-content;
  font-family: inherit;
}

.sbp-bfb-s3-summary-badge--yes {
  background: #dcfce7;
  color: #166534;
}

.sbp-bfb-s3-summary-badge--cond {
  background: #fef9c3;
  color: #713f12;
}

.sbp-bfb-s3-summary-badge--no {
  background: #fee2e2;
  color: #991b1b;
}

.sbp-bfb-s3-summary-text {
  font-size: 0.82rem !important;
  color: #374151 !important;
  line-height: 1.5;
  font-family: inherit;
}

/* ── TABLET ≤900px ── */
@media (max-width: 900px) {
  .sbp-bfb-s3-grid {
    grid-template-columns: 1fr;
  }
  .sbp-bfb-s3-sidebar {
    order: -1;
  }
}

/* ── MOBILE ≤540px ── */
@media (max-width: 540px) {
  .sbp-bfb-s3-wrap {
    padding: 36px 16px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .sbp-bfb-s3-link { transition: none; }
}/* End custom CSS */
/* Start custom CSS for html, class: .elementor-element-023310d *//* ============================================================
   Business Finance Broker Guide — Section 4
   Broker vs going direct to a bank
   Prefix: sbp-bfb-s4-
   Section bg: #f4f7ff (set in Elementor)
   Body grid: 2/3 benefit points + 1/3 portrait image
   Mobile: image hidden, point text hidden (titles only)
   contain: layout style | font-family: inherit
   No table elements | No em dashes | No font imports
   ============================================================ */

.sbp-bfb-s4-wrap {
  contain: layout style;
  font-family: inherit;
  padding: clamp(48px, 5vw, 72px) clamp(20px, 4vw, 48px);
}

.sbp-bfb-s4-inner {
  max-width: 1100px;
  margin: 0 auto;
}

/* ── H2 ── */
.sbp-bfb-s4-h2 {
  font-size: clamp(1.5rem, 3vw, 2rem) !important;
  font-weight: 700 !important;
  color: #0f43b3 !important;
  line-height: 1.25 !important;
  margin: 0 0 16px !important;
  font-family: inherit !important;
}

.sbp-bfb-s4-lead {
  font-size: clamp(0.92rem, 1.4vw, 1rem) !important;
  color: #1a1a1a !important;
  line-height: 1.75;
  max-width: 800px;
  margin: 0 0 28px !important;
  font-family: inherit;
}

/* ── BODY GRID — points + image ── */
.sbp-bfb-s4-body-grid {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: clamp(24px, 3vw, 40px);
  align-items: start;
  margin-bottom: 28px;
}

/* ── BENEFIT POINTS — left column ── */
.sbp-bfb-s4-points {
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 12px;
  overflow: hidden;
}

.sbp-bfb-s4-point {
  display: grid;
  grid-template-columns: 44px 1fr;
  gap: 20px;
  padding: clamp(18px, 2.5vw, 24px) clamp(18px, 2.5vw, 28px);
  border-bottom: 1px solid #f1f5f9;
  align-items: start;
}

.sbp-bfb-s4-point--last {
  border-bottom: none;
}

.sbp-bfb-s4-point-icon {
  width: 44px;
  height: 44px;
  background: #eef4ff;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #0f43b3;
  flex-shrink: 0;
}

.sbp-bfb-s4-point-title {
  font-size: clamp(0.9rem, 1.4vw, 1rem) !important;
  font-weight: 700 !important;
  color: #0f43b3 !important;
  margin: 0 0 8px !important;
  line-height: 1.3 !important;
  font-family: inherit !important;
}

.sbp-bfb-s4-point-text {
  font-size: clamp(0.85rem, 1.2vw, 0.92rem) !important;
  color: #1a1a1a !important;
  line-height: 1.75;
  margin: 0 !important;
  font-family: inherit;
}

.sbp-bfb-s4-link {
  color: #008080 !important;
  text-decoration: underline !important;
  text-decoration-color: #b2dfdf;
  text-underline-offset: 2px;
  transition: color 0.2s;
}

.sbp-bfb-s4-link:hover {
  color: #0f43b3 !important;
  text-decoration-color: #0f43b3;
}

/* ── IMAGE — right column ── */
.sbp-bfb-s4-img-col {
  position: relative;
}

.sbp-bfb-s4-img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  border-radius: 12px;
  min-height: 400px;
  max-height: 600px;
}

/* ── CAVEAT ── */
.sbp-bfb-s4-caveat {
  background: #fff8e1;
  border: 1px solid #f4eaa0;
  border-left: 4px solid #c9a800;
  border-radius: 0 8px 8px 0;
  padding: 20px 24px;
}

.sbp-bfb-s4-caveat-label {
  font-size: 0.72rem !important;
  font-weight: 700 !important;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #71550a !important;
  margin: 0 0 8px !important;
  font-family: inherit;
}

.sbp-bfb-s4-caveat-text {
  font-size: clamp(0.88rem, 1.3vw, 0.95rem) !important;
  color: #1a1a1a !important;
  line-height: 1.75;
  margin: 0 !important;
  font-family: inherit;
}

/* ── TABLET ≤900px — stack grid, keep text ── */
@media (max-width: 900px) {
  .sbp-bfb-s4-body-grid {
    grid-template-columns: 1fr;
  }
  .sbp-bfb-s4-img-col {
    display: none;
  }
}

/* ── MOBILE ≤600px — hide second half of point text, image hidden ── */
@media (max-width: 600px) {
  .sbp-bfb-s4-wrap {
    padding: 36px 16px;
  }
  .sbp-bfb-s4-mobile-hide {
    display: none;
  }
  .sbp-bfb-s4-point {
    grid-template-columns: 36px 1fr;
    gap: 12px;
    padding: 14px 16px;
  }
  .sbp-bfb-s4-point-icon {
    width: 36px;
    height: 36px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .sbp-bfb-s4-link { transition: none; }
}/* End custom CSS */
/* Start custom CSS for container, class: .elementor-element-265746a */.elementor-24565 .elementor-element.elementor-element-265746a .elementor-accordion-item {
    margin-bottom: 10px;
}

.elementor-24565 .elementor-element.elementor-element-265746a .elementor-accordion-item:last-of-type {
    margin-bottom: 0;
}

.elementor-24565 .elementor-element.elementor-element-265746a h3.elementor-tab-title {
    border-radius: 100px;
}

.elementor-24565 .elementor-element.elementor-element-265746a table {
	border: 1px solid #000;
	text-align: center;
}
.elementor-24565 .elementor-element.elementor-element-265746a thead, .elementor-24565 .elementor-element.elementor-element-265746a th, .elementor-24565 .elementor-element.elementor-element-265746a td {
    border: 0.5px solid #000;
}

.elementor-24565 .elementor-element.elementor-element-265746a th {
    background: var(--ast-global-color-0);
    color: var(--ast-global-color-5) !important;
}

.elementor-24565 .elementor-element.elementor-element-265746a tr:nth-child(odd) {
    background: var(--ast-global-color-4);
}

.elementor-24565 .elementor-element.elementor-element-265746a h3.elementor-tab-title {
    display: flex;
    flex-flow: row nowrap;
    align-items: center;
}

.elementor-24565 .elementor-element.elementor-element-265746a span.elementor-accordion-icon.elementor-accordion-icon-right {
    order: 1;
}

/*.elementor-24565 .elementor-element.elementor-element-265746a span.elementor-accordion-icon.elementor-accordion-icon-right {
    display: flex !important;
    justify-content: center;
    flex-flow: column nowrap;
}*/

.elementor-24565 .elementor-element.elementor-element-265746a a.elementor-accordion-title {
    flex-grow: 1;
}

.elementor-24565 .elementor-element.elementor-element-265746a .elementor-tab-content p:last-of-type {
    margin-bottom: 0;
}

/*.elementor-24565 .elementor-element.elementor-element-265746a .elementor-tab-title, .elementor-24565 .elementor-element.elementor-element-265746a .elementor-tab-title.elementor-active {
    border: 2px solid !important;
}*//* End custom CSS */
/* Start custom CSS for html, class: .elementor-element-780e5eb *//* ============================================================
   Business Finance Broker Guide — Section 5
   What the process looks like
   Prefix: sbp-bfb-s5-
   Section bg: #f4f7ff (set in Elementor container)
   Vertical numbered timeline with connecting lines
   contain: layout style | font-family: inherit
   No table elements | No em dashes | No font imports
   ============================================================ */

.sbp-bfb-s5-wrap {
  contain: layout style;
  font-family: inherit;
  padding: clamp(48px, 5vw, 72px) clamp(20px, 4vw, 48px);
}

.sbp-bfb-s5-inner {
  max-width: 900px;
  margin: 0 auto;
}

/* ── H2 ── */
.sbp-bfb-s5-h2 {
  font-size: clamp(1.5rem, 3vw, 2rem) !important;
  font-weight: 700 !important;
  color: #0f43b3 !important;
  line-height: 1.25 !important;
  margin: 0 0 16px !important;
  font-family: inherit !important;
}

.sbp-bfb-s5-lead {
  font-size: clamp(0.92rem, 1.4vw, 1rem) !important;
  color: #1a1a1a !important;
  line-height: 1.75;
  margin: 0 0 40px !important;
  font-family: inherit;
}

/* ── STEPS CONTAINER ── */
.sbp-bfb-s5-steps {
  display: flex;
  flex-direction: column;
  gap: 0;
  margin-bottom: 28px;
}

/* ── INDIVIDUAL STEP ── */
.sbp-bfb-s5-step {
  display: grid;
  grid-template-columns: 56px 1fr;
  gap: 24px;
  align-items: start;
}

/* ── LEFT — number + connecting line ── */
.sbp-bfb-s5-step-left {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0;
}

.sbp-bfb-s5-step-num {
  width: 44px;
  height: 44px;
  background: #0f43b3;
  color: #fff;
  font-size: 1.1rem !important;
  font-weight: 700;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-family: inherit;
  position: relative;
  z-index: 1;
}

.sbp-bfb-s5-step-num--last {
  background: #00CCCC;
  color: #0f43b3;
}

/* Connecting line between steps */
.sbp-bfb-s5-step-line {
  width: 2px;
  flex: 1;
  min-height: 24px;
  background: #dce8ff;
  margin: 4px 0;
}

/* ── RIGHT — content ── */
.sbp-bfb-s5-step-right {
  padding-bottom: 36px;
}

.sbp-bfb-s5-step--last .sbp-bfb-s5-step-right {
  padding-bottom: 0;
}

.sbp-bfb-s5-step-time {
  display: inline-block;
  font-size: 0.72rem !important;
  font-weight: 700;
  color: #008080 !important;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 6px;
  font-family: inherit;
}

.sbp-bfb-s5-step-title {
  font-size: clamp(1rem, 1.6vw, 1.1rem) !important;
  font-weight: 700 !important;
  color: #0f43b3 !important;
  margin: 0 0 10px !important;
  line-height: 1.3 !important;
  font-family: inherit !important;
}

.sbp-bfb-s5-step-text {
  font-size: clamp(0.88rem, 1.3vw, 0.95rem) !important;
  color: #1a1a1a !important;
  line-height: 1.75;
  margin: 0 !important;
  font-family: inherit;
}

.sbp-bfb-s5-link {
  color: #008080 !important;
  text-decoration: underline !important;
  text-decoration-color: #b2dfdf;
  text-underline-offset: 2px;
  transition: color 0.2s;
}

.sbp-bfb-s5-link:hover {
  color: #0f43b3 !important;
  text-decoration-color: #0f43b3;
}

/* ── CLOSING NOTE ── */
.sbp-bfb-s5-note {
  background: #fff;
  border: 1px solid #e5e7eb;
  border-radius: 8px;
  padding: 18px 22px;
}

.sbp-bfb-s5-note-text {
  font-size: 0.88rem !important;
  color: #374151 !important;
  line-height: 1.7;
  margin: 0 !important;
  font-family: inherit;
  font-style: italic;
}

.sbp-bfb-s5-note-text strong {
  font-weight: 700;
  color: #0f43b3;
  font-style: normal;
}

/* ── MOBILE ≤540px ── */
@media (max-width: 540px) {
  .sbp-bfb-s5-wrap {
    padding: 36px 16px;
  }
  .sbp-bfb-s5-step {
    grid-template-columns: 40px 1fr;
    gap: 16px;
  }
  .sbp-bfb-s5-step-num {
    width: 36px;
    height: 36px;
    font-size: 0.95rem !important;
  }
}

@media (prefers-reduced-motion: reduce) {
  .sbp-bfb-s5-link { transition: none; }
}/* End custom CSS */
/* Start custom CSS for global, class: .elementor-global-11298 *//* Talk Directly to a Specialist CTA - Custom CSS for Elementor Widget */
/* Add this CSS to the Custom CSS section of your Elementor HTML widget */

/* Main wrapper with CSS containment for complete isolation */
.sbp-specialist-cta-wrapper {
    font-family: inherit; /* Maintains your site's Poppins font */
    line-height: 1.6;
    color: #333;
    box-sizing: border-box;
    contain: layout style; /* CSS containment for isolation */
    position: relative;
    z-index: 1;
}

/* Reset only for this widget */
.sbp-specialist-cta-wrapper *,
.sbp-specialist-cta-wrapper *::before,
.sbp-specialist-cta-wrapper *::after {
    box-sizing: border-box;
}

/* Brand Colors using CSS Custom Properties (scoped) */
.sbp-specialist-cta-wrapper {
    --sbp-specialist-blue: #0f43b3;
    --sbp-specialist-teal: #00cccc;
}

/* Main CTA Module */
.sbp-specialist-cta-wrapper .sbp-specialist-cta {
    background: transparent;
    padding: 0;
    margin: 60px auto;
    border: none;
    box-shadow: none;
    display: grid;
    grid-template-columns: 280px 1fr;
    gap: 40px;
    align-items: center;
    max-width: 900px;
    width: 100%;
}

/* Image section */
.sbp-specialist-cta-wrapper .sbp-specialist-cta-image {
    position: relative;
}

.sbp-specialist-cta-wrapper .sbp-specialist-cta-image img {
    width: 100%;
    height: auto;
    display: block;
    max-width: 280px;
    border-radius: 4px;
}

/* Content section */
.sbp-specialist-cta-wrapper .sbp-specialist-cta-content {
    padding: 0;
}

/* Headline styling */
.sbp-specialist-cta-wrapper .sbp-specialist-cta-headline {
    color: var(--sbp-specialist-blue);
    font-size: 32px;
    font-weight: 700;
    margin-bottom: 16px;
    line-height: 1.2;
    font-family: inherit; /* Maintains Poppins */
    margin-top: 0;
}

/* Subheading styling */
.sbp-specialist-cta-wrapper .sbp-specialist-cta-subheading {
    color: #000000;
    font-size: 18px;
    margin-bottom: 16px;
    line-height: 1.4;
    font-weight: 400;
    font-family: inherit;
}

/* Description styling */
.sbp-specialist-cta-wrapper .sbp-specialist-cta-description {
    color: #000000;
    font-size: 14px;
    margin-bottom: 20px;
    line-height: 1.5;
    font-weight: 400;
    font-family: inherit;
}

/* Bold text within description */
.sbp-specialist-cta-wrapper .sbp-specialist-cta-description b {
    font-weight: 600;
    color: inherit;
}

/* Intro text styling */
.sbp-specialist-cta-wrapper .sbp-specialist-cta-intro {
    color: #000000;
    font-size: 16px;
    margin-bottom: 12px;
    font-weight: 500;
    font-family: inherit;
}

/* Links container */
.sbp-specialist-cta-wrapper .sbp-specialist-cta-links {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

/* Link styling - heavily scoped to prevent affecting other links */
.sbp-specialist-cta-wrapper .sbp-specialist-cta-link {
    color: var(--sbp-specialist-blue);
    text-decoration: none;
    font-size: 16px;
    font-weight: 500;
    padding: 10px 12px;
    transition: all 0.3s ease;
    position: relative;
    display: inline-flex;
    align-items: center;
    background: #f8f9fa;
    border-radius: 6px;
    width: fit-content;
    border: none;
    cursor: pointer;
    font-family: inherit;
}

/* Specific link variations */
.sbp-specialist-cta-wrapper .sbp-specialist-cta-link.sbp-specialist-phone {
    font-weight: 600;
}

.sbp-specialist-cta-wrapper .sbp-specialist-cta-link.sbp-specialist-booking {
    font-weight: 600;
}

/* Link hover states */
.sbp-specialist-cta-wrapper .sbp-specialist-cta-link:hover {
    color: var(--sbp-specialist-teal);
    text-decoration: none;
    background: #e6f7f7;
}

/* Icon styling */
.sbp-specialist-cta-wrapper .sbp-specialist-cta-icon {
    margin-right: 8px;
    font-size: 14px;
}

.sbp-specialist-cta-wrapper .sbp-specialist-cta-icon.sbp-specialist-phone-icon {
    color: var(--sbp-specialist-teal);
    font-weight: bold;
}

/* Arrow after links */
.sbp-specialist-cta-wrapper .sbp-specialist-cta-link::after {
    content: ' ›';
    font-size: 18px;
    margin-left: 8px;
    transition: transform 0.3s ease;
}

.sbp-specialist-cta-wrapper .sbp-specialist-cta-link:hover::after {
    transform: translateX(3px);
}

/* Focus states for accessibility */
.sbp-specialist-cta-wrapper .sbp-specialist-cta-link:focus {
    outline: 2px solid var(--sbp-specialist-blue);
    outline-offset: 2px;
}

/* Tablet responsive - Center aligned */
@media (max-width: 768px) {
    .sbp-specialist-cta-wrapper .sbp-specialist-cta {
        grid-template-columns: 1fr;
        gap: 30px;
        margin: 40px auto;
        text-align: center;
        padding: 0 20px;
    }
    
    .sbp-specialist-cta-wrapper .sbp-specialist-cta-image {
        order: 1;
        max-width: 250px;
        margin: 0 auto;
    }
    
    .sbp-specialist-cta-wrapper .sbp-specialist-cta-content {
        order: 2;
    }
    
    .sbp-specialist-cta-wrapper .sbp-specialist-cta-headline {
        font-size: 28px;
    }
    
    .sbp-specialist-cta-wrapper .sbp-specialist-cta-subheading {
        font-size: 16px;
    }
    
    .sbp-specialist-cta-wrapper .sbp-specialist-cta-links {
        align-items: center;
    }
    
    .sbp-specialist-cta-wrapper .sbp-specialist-cta-link {
        width: auto;
        max-width: 100%;
    }
}

/* Mobile responsive */
@media (max-width: 480px) {
    .sbp-specialist-cta-wrapper .sbp-specialist-cta {
        margin: 30px auto;
        padding: 0 15px;
    }
    
    .sbp-specialist-cta-wrapper .sbp-specialist-cta-headline {
        font-size: 24px;
    }
    
    .sbp-specialist-cta-wrapper .sbp-specialist-cta-subheading,
    .sbp-specialist-cta-wrapper .sbp-specialist-cta-description {
        font-size: 15px;
    }
    
    .sbp-specialist-cta-wrapper .sbp-specialist-cta-intro {
        font-size: 15px;
    }
    
    .sbp-specialist-cta-wrapper .sbp-specialist-cta-link {
        font-size: 15px;
        padding: 12px 16px;
    }
}

/* Performance optimizations */
.sbp-specialist-cta-wrapper {
    will-change: auto;
}/* End custom CSS */
/* Start custom CSS for html, class: .elementor-element-6cce96a *//* ============================================================
   Business Finance Broker Guide — Section 6
   Questions to ask + green/red flags
   Prefix: sbp-bfb-s6-
   Section bg: #ffffff (set in Elementor)
   contain: layout style | font-family: inherit
   No table elements | No em dashes | No font imports
   ============================================================ */

.sbp-bfb-s6-wrap {
  contain: layout style;
  font-family: inherit;
  padding: clamp(48px, 5vw, 72px) clamp(20px, 4vw, 48px);
}

.sbp-bfb-s6-inner {
  max-width: 1100px;
  margin: 0 auto;
}

/* ── H2 ── */
.sbp-bfb-s6-h2 {
  font-size: clamp(1.5rem, 3vw, 2rem) !important;
  font-weight: 700 !important;
  color: #0f43b3 !important;
  line-height: 1.25 !important;
  margin: 0 0 16px !important;
  font-family: inherit !important;
}

.sbp-bfb-s6-lead {
  font-size: clamp(0.92rem, 1.4vw, 1rem) !important;
  color: #1a1a1a !important;
  line-height: 1.75;
  max-width: 800px;
  margin: 0 0 36px !important;
  font-family: inherit;
}

/* ── SUBHEADINGS ── */
.sbp-bfb-s6-subh {
  font-size: clamp(1rem, 1.8vw, 1.2rem) !important;
  font-weight: 700 !important;
  color: #0f43b3 !important;
  margin: 0 0 20px !important;
  font-family: inherit !important;
}

.sbp-bfb-s6-subh--flags {
  margin-top: 48px !important;
}

/* ── QUESTIONS LIST ── */
.sbp-bfb-s6-questions {
  border: 1px solid #e5e7eb;
  border-radius: 12px;
  overflow: hidden;
  background: #fff;
}

.sbp-bfb-s6-q {
  display: grid;
  grid-template-columns: 48px 1fr;
  align-items: start;
  border-bottom: 1px solid #f1f5f9;
  padding: clamp(18px, 2.5vw, 24px) clamp(18px, 2.5vw, 28px);
  gap: 16px;
}

.sbp-bfb-s6-q--last {
  border-bottom: none;
}

.sbp-bfb-s6-q-num {
  width: 32px;
  height: 32px;
  background: #eef4ff;
  color: #0f43b3;
  font-size: 0.85rem !important;
  font-weight: 700;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
  font-family: inherit;
}

.sbp-bfb-s6-q-question {
  font-size: clamp(0.9rem, 1.4vw, 0.97rem) !important;
  font-weight: 700 !important;
  color: #0f43b3 !important;
  margin: 0 0 6px !important;
  line-height: 1.4;
  font-family: inherit;
}

.sbp-bfb-s6-q-answer {
  font-size: clamp(0.85rem, 1.3vw, 0.92rem) !important;
  color: #374151 !important;
  line-height: 1.7;
  margin: 0 !important;
  font-family: inherit;
}

.sbp-bfb-s6-link {
  color: #008080 !important;
  text-decoration: underline !important;
  text-decoration-color: #b2dfdf;
  text-underline-offset: 2px;
  transition: color 0.2s;
}

.sbp-bfb-s6-link:hover {
  color: #0f43b3 !important;
  text-decoration-color: #0f43b3;
}

/* ── FLAGS GRID ── */
.sbp-bfb-s6-flags {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.sbp-bfb-s6-flag-col {
  border-radius: 10px;
  padding: clamp(20px, 3vw, 28px);
}

.sbp-bfb-s6-flag-col--green {
  background: #f0fdf4;
  border: 1px solid #bbf7d0;
}

.sbp-bfb-s6-flag-col--red {
  background: #fef2f2;
  border: 1px solid #fecaca;
}

/* ── FLAG HEAD ── */
.sbp-bfb-s6-flag-head {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem !important;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 16px;
  font-family: inherit;
}

.sbp-bfb-s6-flag-col--green .sbp-bfb-s6-flag-head {
  color: #166534;
}

.sbp-bfb-s6-flag-col--red .sbp-bfb-s6-flag-head {
  color: #991b1b;
}

.sbp-bfb-s6-flag-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.sbp-bfb-s6-flag-col--green .sbp-bfb-s6-flag-icon {
  background: #dcfce7;
  color: #166534;
}

.sbp-bfb-s6-flag-col--red .sbp-bfb-s6-flag-icon {
  background: #fee2e2;
  color: #991b1b;
}

/* ── FLAG LIST ── */
.sbp-bfb-s6-flag-list {
  list-style: none;
  margin: 0 !important;
  padding: 0 !important;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.sbp-bfb-s6-flag-list li {
  font-size: clamp(0.85rem, 1.3vw, 0.92rem) !important;
  line-height: 1.5;
  padding-left: 20px;
  position: relative;
  font-family: inherit;
}

.sbp-bfb-s6-flag-col--green .sbp-bfb-s6-flag-list li {
  color: #14532d !important;
}

.sbp-bfb-s6-flag-col--red .sbp-bfb-s6-flag-list li {
  color: #7f1d1d !important;
}

.sbp-bfb-s6-flag-list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 7px;
  width: 6px;
  height: 6px;
  border-radius: 50%;
}

.sbp-bfb-s6-flag-col--green .sbp-bfb-s6-flag-list li::before {
  background: #22c55e;
}

.sbp-bfb-s6-flag-col--red .sbp-bfb-s6-flag-list li::before {
  background: #ef4444;
}

/* ── TABLET ≤768px ── */
@media (max-width: 768px) {
  .sbp-bfb-s6-flags {
    grid-template-columns: 1fr;
  }
}

/* ── MOBILE ≤540px ── */
@media (max-width: 540px) {
  .sbp-bfb-s6-wrap {
    padding: 36px 16px;
  }
  .sbp-bfb-s6-mobile-hide {
    display: none;
  }
  .sbp-bfb-s6-q {
    grid-template-columns: 1fr;
    gap: 8px;
  }
  .sbp-bfb-s6-q-num {
    display: none;
  }
}

@media (prefers-reduced-motion: reduce) {
  .sbp-bfb-s6-link { transition: none; }
}/* End custom CSS */
/* Start custom CSS for html, class: .elementor-element-f9284e2 *//* ============================================================
   Business Finance Broker Guide — Section 7
   What happens if your application is declined
   Prefix: sbp-bfb-s7-
   Section bg: #f4f7ff (set in Elementor)
   2/3 + 1/3 layout with sidebar tip panel
   contain: layout style | font-family: inherit
   No table elements | No em dashes | No font imports
   ============================================================ */

.sbp-bfb-s7-wrap {
  contain: layout style;
  font-family: inherit;
  padding: clamp(48px, 5vw, 72px) clamp(20px, 4vw, 48px);
}

.sbp-bfb-s7-inner {
  max-width: 1100px;
  margin: 0 auto;
}

/* ── H2 ── */
.sbp-bfb-s7-h2 {
  font-size: clamp(1.5rem, 3vw, 2rem) !important;
  font-weight: 700 !important;
  color: #0f43b3 !important;
  line-height: 1.25 !important;
  margin: 0 0 28px !important;
  font-family: inherit !important;
}

/* ── TWO-COLUMN GRID ── */
.sbp-bfb-s7-grid {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: clamp(32px, 4vw, 52px);
  align-items: start;
}

/* ── LEFT — BODY COPY ── */
.sbp-bfb-s7-p {
  font-size: clamp(0.92rem, 1.4vw, 1rem) !important;
  color: #1a1a1a !important;
  line-height: 1.75;
  margin: 0 0 18px !important;
  font-family: inherit;
}

.sbp-bfb-s7-p:last-child {
  margin-bottom: 0 !important;
}

.sbp-bfb-s7-p strong {
  font-weight: 700;
  color: #0f43b3;
}

/* ── RIGHT — TIP SIDEBAR ── */
.sbp-bfb-s7-tip {
  background: #fff;
  border: 1px solid #e5e7eb;
  border-top: 4px solid #00CCCC;
  border-radius: 10px;
  padding: 22px;
  margin-bottom: 16px;
}

.sbp-bfb-s7-tip-label {
  font-size: 0.68rem !important;
  font-weight: 700 !important;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: #008080 !important;
  margin: 0 0 14px !important;
  font-family: inherit;
}

.sbp-bfb-s7-tip-list {
  list-style: none;
  margin: 0 !important;
  padding: 0 !important;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.sbp-bfb-s7-tip-list li {
  font-size: 0.85rem !important;
  color: #374151 !important;
  line-height: 1.55;
  padding-left: 16px;
  position: relative;
  font-family: inherit;
}

.sbp-bfb-s7-tip-list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 8px;
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: #00CCCC;
}

/* ── CTA ── */
.sbp-bfb-s7-cta {
  display: block;
  background: #0f43b3;
  color: #fff !important;
  font-size: 0.82rem !important;
  font-weight: 700;
  text-align: center;
  padding: 12px 16px;
  border-radius: 6px;
  text-decoration: none !important;
  transition: background 0.2s;
  font-family: inherit;
}

.sbp-bfb-s7-cta:hover {
  background: #00CCCC;
  color: #0f43b3 !important;
}

/* ── TABLET ≤900px ── */
@media (max-width: 900px) {
  .sbp-bfb-s7-grid {
    grid-template-columns: 1fr;
  }
  .sbp-bfb-s7-sidebar {
    order: -1;
  }
}

/* ── MOBILE ≤540px ── */
@media (max-width: 540px) {
  .sbp-bfb-s7-wrap {
    padding: 36px 16px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .sbp-bfb-s7-cta { transition: none; }
}/* End custom CSS */
/* Start custom CSS for html, class: .elementor-element-5a3a62b *//* ============================================================
   Business Finance Broker Guide — Section 8
   Why Smart Business Plans
   Prefix: sbp-bfb-s8-
   Section bg: #ffffff (set in Elementor)
   2/3 copy + 1/3 credentials grid
   contain: layout style | font-family: inherit
   No table elements | No em dashes | No font imports
   ============================================================ */

.sbp-bfb-s8-wrap {
  contain: layout style;
  font-family: inherit;
  padding: clamp(48px, 5vw, 72px) clamp(20px, 4vw, 48px);
}

.sbp-bfb-s8-inner {
  max-width: 1100px;
  margin: 0 auto;
}

/* ── H2 ── */
.sbp-bfb-s8-h2 {
  font-size: clamp(1.5rem, 3vw, 2rem) !important;
  font-weight: 700 !important;
  color: #0f43b3 !important;
  line-height: 1.25 !important;
  margin: 0 0 28px !important;
  font-family: inherit !important;
}

/* ── TWO-COLUMN GRID ── */
.sbp-bfb-s8-grid {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: clamp(36px, 5vw, 60px);
  align-items: start;
}

/* ── LEFT — COPY ── */
.sbp-bfb-s8-p {
  font-size: clamp(0.92rem, 1.4vw, 1rem) !important;
  color: #1a1a1a !important;
  line-height: 1.75;
  margin: 0 0 18px !important;
  font-family: inherit;
}

.sbp-bfb-s8-p strong {
  font-weight: 700;
  color: #0f43b3;
}

/* ── CTAs ── */
.sbp-bfb-s8-ctas {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-top: 28px;
}

.sbp-bfb-s8-btn {
  display: inline-flex;
  align-items: center;
  font-size: 0.9rem !important;
  font-weight: 700;
  padding: 13px 24px;
  border-radius: 6px;
  text-decoration: none !important;
  transition: background 0.2s, color 0.2s;
  font-family: inherit;
}

.sbp-bfb-s8-btn--primary {
  background: #0f43b3;
  color: #fff !important;
}

.sbp-bfb-s8-btn--primary:hover {
  background: #00CCCC;
  color: #0f43b3 !important;
}

.sbp-bfb-s8-btn--secondary {
  background: transparent;
  color: #0f43b3 !important;
  border: 2px solid #0f43b3;
}

.sbp-bfb-s8-btn--secondary:hover {
  background: #eef4ff;
}

/* ── RIGHT — CREDENTIALS ── */
.sbp-bfb-s8-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 20px;
}

.sbp-bfb-s8-stat {
  background: #eef4ff;
  border-radius: 8px;
  padding: 16px;
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.sbp-bfb-s8-stat-num {
  font-size: clamp(1.1rem, 2vw, 1.3rem) !important;
  font-weight: 800 !important;
  color: #0f43b3 !important;
  line-height: 1.1;
  font-family: inherit;
}

.sbp-bfb-s8-stat-label {
  font-size: 0.72rem !important;
  color: #6b7280 !important;
  line-height: 1.3;
  font-family: inherit;
}

/* ── CREDENTIAL BADGES ── */
.sbp-bfb-s8-badges {
  list-style: none;
  margin: 0 !important;
  padding: 0 !important;
  background: #f8f9fc;
  border: 1px solid #e5e7eb;
  border-radius: 8px;
  padding: 16px 18px !important;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.sbp-bfb-s8-badge {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 0.83rem !important;
  color: #374151 !important;
  line-height: 1.4;
  font-family: inherit;
}

.sbp-bfb-s8-badge-icon {
  width: 20px;
  height: 20px;
  background: #dcfce7;
  color: #166534;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}

.sbp-bfb-s8-badge-link {
  color: #374151 !important;
  text-decoration: underline !important;
  text-decoration-color: #d1d5db;
  text-underline-offset: 2px;
  transition: color 0.2s;
}

.sbp-bfb-s8-badge-link:hover {
  color: #008080 !important;
}

/* ── TABLET ≤900px ── */
@media (max-width: 900px) {
  .sbp-bfb-s8-grid {
    grid-template-columns: 1fr;
  }
  .sbp-bfb-s8-creds {
    order: -1;
  }
  .sbp-bfb-s8-stats {
    grid-template-columns: repeat(4, 1fr);
  }
}

/* ── MOBILE ≤600px ── */
@media (max-width: 600px) {
  .sbp-bfb-s8-wrap {
    padding: 36px 16px;
  }
  .sbp-bfb-s8-stats {
    grid-template-columns: 1fr 1fr;
  }
  .sbp-bfb-s8-ctas {
    flex-direction: column;
  }
  .sbp-bfb-s8-btn {
    justify-content: center;
  }
}

@media (prefers-reduced-motion: reduce) {
  .sbp-bfb-s8-btn,
  .sbp-bfb-s8-badge-link { transition: none; }
}/* End custom CSS */