BienFi \u2014 Your Independent Finance Doctor (WordPress HTML Block)<\/title>\n \n <link href=\"https:\/\/fonts.googleapis.com\/css2?family=DM+Sans:ital,wght@0,400;0,500;0,700;1,400&family=DM+Serif+Display:ital@0;1&display=swap\" rel=\"stylesheet\"\/>\n \n <script src=\"https:\/\/cdn.tailwindcss.com?plugins=forms,typography\"><\/script>\n \n <script>\n tailwind.config = {\n theme: {\n extend: {\n colors: {\n \"primary\": \"#1A1A18\",\n \"secondary\": \"#6B6B62\",\n \"ink-black\": \"#1A1A18\",\n \"warm-gray\": \"#6B6B62\",\n \"muted-gray\": \"#9B9B94\",\n \"warm-beige\": \"#E5E1D8\",\n \"paper-white\": \"#FFFFFF\",\n \"surface-mist\": \"#F5F3EF\",\n \"forest-deep\": \"#2D6A4F\",\n \"warm-amber\": \"#C8924A\",\n \"dusty-blue\": \"#4A7FA5\",\n },\n fontFamily: {\n \"headline-md\": [\"DM Serif Display\", \"serif\"],\n \"headline-lg\": [\"DM Serif Display\", \"serif\"],\n \"display-lg\": [\"DM Serif Display\", \"serif\"],\n \"body-md\": [\"DM Sans\", \"sans-serif\"],\n \"body-lg\": [\"DM Sans\", \"sans-serif\"],\n }\n }\n }\n }\n <\/script>\n <style>\n .bienfi-html-block {\n background-color: #FFFFFF;\n color: #1A1A18;\n font-family: 'DM Sans', sans-serif;\n -webkit-font-smoothing: antialiased;\n }\n .italic-moment {\n font-style: italic;\n font-family: 'DM Serif Display', serif;\n }\n @keyframes marquee {\n 0% { transform: translateX(0); }\n 100% { transform: translateX(-50%); }\n }\n .animate-marquee {\n animation: marquee 40s linear infinite;\n }\n <\/style>\n<\/head>\n<body class=\"bienfi-html-block overflow-x-hidden\">\n\n<div class=\"bienfi-root-wrap\">\n\n \n <header class=\"sticky top-0 w-full z-50 h-[52px] bg-white\/95 backdrop-blur-md border-b border-[#E5E1D8]\">\n <div class=\"max-w-6xl mx-auto h-full flex items-center justify-between px-6 md:px-12\">\n <div class=\"flex items-center gap-1.5 font-bold text-lg text-black select-none\">\n <span>BienFi<\/span>\n <\/div>\n <nav class=\"hidden md:flex items-center gap-8\">\n <a class=\"text-[13px] text-black font-semibold hover:text-[#2D6A4F] transition-colors\" href=\"#overview-section\">Overview<\/a>\n <a class=\"text-[13px] text-[#6B6B62] hover:text-[#1A1A18] hover:bg-[#F5F3EF] px-3 py-1 rounded-full transition-all\" href=\"#employees-section\">Employees<\/a>\n <a class=\"text-[13px] text-[#6B6B62] hover:text-[#1A1A18] hover:bg-[#F5F3EF] px-3 py-1 rounded-full transition-all\" href=\"#employers-section\">Employers<\/a>\n <a class=\"text-[13px] text-[#6B6B62] hover:text-[#1A1A18] hover:bg-[#F5F3EF] px-3 py-1 rounded-full transition-all\" href=\"#students-section\">Students<\/a>\n <\/nav>\n <div>\n <button onclick=\"openCheckupModal()\" class=\"bg-[#1A1A18] text-white text-[12.5px] font-bold px-4 py-2 rounded-full hover:opacity-90 transition-opacity\">\n Get My Free Score\n <\/button>\n <\/div>\n <\/div>\n <\/header>\n\n \n <section id=\"overview-section\" class=\"relative min-h-[500px] md:min-h-[600px] flex items-center justify-center border-b border-[#E5E1D8] overflow-hidden\">\n <div class=\"absolute inset-0 z-0\">\n <img decoding=\"async\" alt=\"Atmospheric mountain landscape with early sunrise light\" class=\"w-full h-full object-cover\" src=\"https:\/\/lh3.googleusercontent.com\/aida-public\/AB6AXuC2LyoSIECQ83hNWgKWyiLmE2hhUZKEQxdOSb2qcO_hJyErKjwg01g8vVYcp9Ai-5LbpQAoeeoobj5luMiTEJMwuOKc7Yw4ekya3z28NgN-2Agf7lmGdi5ivEQ5DDlo7_k5vr3v0ajkRY-tUAtzf_z7liE7IsoM9WZa-QBcGFhD2upgy6Whnc2WDikfqJbNvZ6FVnQoGY8ad91ot3JAH1PTV9vEv-eNMMcB7iFJyieETTPRFeSafPR3sbOlDjE7NBEVryeGjwEtWA\"\/>\n <div class=\"absolute inset-0 bg-black\/35 backdrop-blur-[0.5px]\"><\/div>\n <\/div>\n <div class=\"relative z-10 max-w-[620px] mx-auto text-center px-6 py-14\">\n <span class=\"inline-block font-bold text-[11px] text-white\/95 tracking-[0.2em] uppercase bg-white\/10 px-3 py-1 rounded-full border border-white\/20 mb-4\">\u2600\ufe0f Live Financially Bien<\/span>\n <h1 class=\"font-headline-lg text-4xl sm:text-5xl lg:text-6xl text-white mb-4 leading-[1.1] tracking-tight\">\n Your <span class=\"italic-moment text-white\/80\">independent<\/span> Finance Doctor\n <\/h1>\n <p class=\"text-[14px] md:text-[15px] text-white\/90 mb-8 max-w-[440px] mx-auto leading-relaxed\">\n Independent financial health checkups for employees and working students. An essential benefit that employers and universities should offer, just like an annual physical. Financial issues are silent, preventable, and far cheaper to catch early than to treat late.\n <\/p>\n <div class=\"flex flex-col items-center gap-3\">\n <button onclick=\"openCheckupModal()\" class=\"bg-white text-[#1A1A18] font-bold text-xs sm:text-sm px-6 py-3.5 rounded-lg hover:bg-[#F5F3EF] hover:scale-105 transition-all flex items-center gap-2 shadow-xl\">\n Get My Free Score \u2794\n <\/button>\n <span class=\"text-[11px] text-white\/70\">Free Score \u00b7 Full Checkup $97 \u00b7 100% Private & Unbiased<\/span>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section class=\"bg-white border-b border-[#E5E1D8] py-4 overflow-hidden select-none\">\n <div class=\"flex whitespace-nowrap overflow-hidden\">\n <div class=\"inline-flex items-center gap-4 px-6 animate-marquee\">\n <span class=\"text-[10px] text-[#9B9B94] uppercase font-bold tracking-widest mr-4\">Financial wellness for<\/span>\n <div class=\"flex items-center gap-4\">\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">Employees<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">Employers<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">University staff<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">University students<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">Early-career professionals<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">HR leaders<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">First-job graduates<\/span>\n <\/div>\n <\/div>\n <div class=\"inline-flex items-center gap-4 px-6 animate-marquee\">\n <span class=\"text-[10px] text-[#9B9B94] uppercase font-bold tracking-widest mr-4\">Financial wellness for<\/span>\n <div class=\"flex items-center gap-4\">\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">Employees<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">Employers<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">University staff<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">University students<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">Early-career professionals<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">HR leaders<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">First-job graduates<\/span>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section id=\"employees-section\" class=\"grid grid-cols-1 md:grid-cols-2 border-b border-[#E5E1D8] items-stretch\">\n <div class=\"py-16 md:py-24 px-6 md:pl-20 md:pr-16 flex flex-col justify-center space-y-5 bg-white\">\n <span class=\"text-[10px] font-bold text-[#2D6A4F] uppercase tracking-[0.2em] block\">For employees<\/span>\n <h2 class=\"font-headline-md text-3xl md:text-4xl text-[#1A1A18] leading-tight\">\n Grow your career <span class=\"italic-moment text-[#6B6B62]\">financially bien<\/span>\n <\/h2>\n <p class=\"text-[14px] md:text-[15px] text-[#6B6B62] leading-[1.75] max-w-[440px]\">\n How financially fit are you? 9 out of 10 people regret delaying their financial planning. Discover where you stand with BienFi’s independent, data-driven Financial Fit Score. Assess your net worth against your age and goals, identify gaps, and unlock opportunities. Follow a personalized roadmap to reach your financial and travel goals by age 60, while advancing your career.\n <\/p>\n <div class=\"flex flex-col items-start gap-2 pt-2\">\n <button onclick=\"openCheckupModal()\" class=\"w-full sm:w-auto bg-[#1A1A18] text-white text-xs font-bold px-[22px] py-[13px] rounded-lg hover:opacity-90 transition-all text-center\">\n Get My Free Score \u2794\n <\/button>\n <span class=\"text-[11px] text-[#9B9B94] font-medium w-full text-center sm:text-left\">\n Free Score \u00b7 Full Checkup $97 \u00b7 100% Private & Unbiased\n <\/span>\n <\/div>\n <\/div>\n <div class=\"bg-[#F5F3EF] p-8 md:p-16 flex items-center justify-center min-h-[360px] border-l border-[#E5E1D8]\/60\">\n \n <div id=\"html-score-free-view\" class=\"bg-white border border-[#E5E1D8] rounded-2xl p-6 w-full max-w-[385px] shadow-sm space-y-4 font-sans text-left\">\n \n <div class=\"space-y-3\">\n <span class=\"text-[10px] font-extrabold text-[#9C9C93] uppercase tracking-wider block text-left\">\n YOUR FINANCIAL HEALTH SCORE\n <\/span>\n <div class=\"text-center\">\n <span class=\"inline-flex text-[11px] font-extrabold tracking-wide text-[#B76E1A] bg-[#FFF8EE] border border-[#FBEAD4] px-4 py-1 rounded-full uppercase\">\n DEVELOPING\n <\/span>\n <\/div>\n <\/div>\n\n \n <div class=\"space-y-1 pt-1 text-center\">\n <div class=\"flex items-baseline justify-center text-black font-sans\">\n <span class=\"text-6xl font-medium tracking-tight\">4.2<\/span>\n <span class=\"text-xl text-[#9C9C93] ml-1 font-normal\">\/10<\/span>\n <\/div>\n <h4 class=\"text-[15px] text-[#1A1A18] tracking-tight pt-1 font-normal\">\n You’re building, but key gaps remain\n <\/h4>\n <\/div>\n\n \n <div class=\"relative pt-2 pb-1\">\n \n <div class=\"h-1.5 w-full bg-gradient-to-r from-[#DE3820] via-[#CD8238] via-[#85803E] to-[#2E6A4E] rounded-full relative\">\n \n <div \n class=\"w-3.5 h-3.5 bg-white border-[3px] border-[#1A1A18] rounded-full absolute -ml-1.75 top-1\/2 -track-y-1\/2 shadow-sm\"\n style=\"left: 42%; transform: translate(-50%, -50%);\"\n ><\/div>\n <\/div>\n \n \n <div class=\"flex justify-between items-center text-[10px] font-black tracking-wider text-[#9C9C93] uppercase pt-2 relative\">\n <span>Critical<\/span>\n <span class=\"absolute left-[42%] -translate-x-1\/2 text-[#1A1A18] font-extrabold\">You \u2014 4.2<\/span>\n <span>Elite<\/span>\n <\/div>\n <\/div>\n\n \n <div class=\"space-y-1.5 text-xs pt-1\">\n \n \n <div class=\"py-1 flex items-center justify-between\">\n <div class=\"flex items-center gap-2.5\">\n <span class=\"w-2.5 h-2.5 rounded-full bg-[#C27A25]\"><\/span>\n <span class=\"font-normal text-[#1A1A18] text-sm\">Spending<\/span>\n <\/div>\n <span class=\"text-[10px] font-extrabold px-3 py-1 bg-[#FFF4E4] text-[#C27A25] rounded-full uppercase tracking-wider\">\n Vulnerable\n <\/span>\n <\/div>\n\n \n <div class=\"py-1 flex items-center justify-between\">\n <div class=\"flex items-center gap-2.5\">\n <span class=\"w-2.5 h-2.5 rounded-full bg-[#2E6A4E]\"><\/span>\n <span class=\"font-normal text-[#1A1A18] text-sm\">Debt<\/span>\n <\/div>\n <span class=\"text-[10px] font-extrabold px-3 py-1 bg-[#EDF7ED] text-[#2E6A4E] rounded-full uppercase tracking-wider\">\n Excellent\n <\/span>\n <\/div>\n\n \n <div class=\"py-1 flex items-center justify-between\">\n <div class=\"flex items-center gap-2.5\">\n <span class=\"w-2.5 h-2.5 rounded-full bg-[#DE3820]\"><\/span>\n <span class=\"font-normal text-[#1A1A18] text-sm\">Asset<\/span>\n <\/div>\n <span class=\"text-[10px] font-extrabold px-3 py-1 bg-[#FDEAEA] text-[#DE3820] rounded-full uppercase tracking-wider\">\n Critical\n <\/span>\n <\/div>\n\n \n <div class=\"py-1 flex items-center justify-between\">\n <div class=\"flex items-center gap-2.5\">\n <span class=\"w-2.5 h-2.5 rounded-full bg-[#2A5DF2]\"><\/span>\n <span class=\"font-normal text-[#1A1A18] text-sm\">Income<\/span>\n <\/div>\n <span class=\"text-[10px] font-extrabold px-3 py-1 bg-[#EBF3FF] text-[#2A5DF2] rounded-full uppercase tracking-wider\">\n Good\n <\/span>\n <\/div>\n\n <\/div>\n\n \n <div class=\"bg-[#FFF5F5] border border-[#FDE0E0] rounded-2xl p-4 space-y-3 text-left\">\n <div class=\"flex items-center gap-2 text-[#D23F3A] font-extrabold text-xs sm:text-[13px] tracking-tight\">\n \n <svg class=\"w-4 h-4 text-[#D23F3A]\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2.5\"><circle cx=\"12\" cy=\"12\" r=\"10\"><\/circle><polyline points=\"12 6 12 12 16 14\"><\/polyline><\/svg>\n <span>Every month you delay, the gap widens<\/span>\n <\/div>\n \n <p class=\"text-[11.5px] text-[#5C5C57] leading-relaxed\">\n Optimise now to invest an additional <strong class=\"text-[#1A1A18] font-extrabold\">$2,325 each month<\/strong>. Cost of inaction at 7% historical return:\n <\/p>\n\n <div class=\"grid grid-cols-3 gap-2\">\n \n <div class=\"bg-[#FFFDFD] border border-[#FAD2D2] rounded-xl p-2.5 flex flex-col items-center justify-center text-center\">\n <span class=\"text-base font-bold text-[#D23F3A] leading-none\">$28.8K<\/span>\n <span class=\"text-[9px] font-bold text-[#9C9C93] tracking-wide mt-1.5 uppercase leading-none\">1 Year<\/span>\n <\/div>\n \n <div class=\"bg-[#FFFDFD] border border-[#FAD2D2] rounded-xl p-2.5 flex flex-col items-center justify-center text-center\">\n <span class=\"text-base font-bold text-[#D23F3A] leading-none\">$402K<\/span>\n <span class=\"text-[9px] font-bold text-[#9C9C93] tracking-wide mt-1.5 uppercase leading-none\">10 Years<\/span>\n <\/div>\n \n <div class=\"bg-[#FFFDFD] border border-[#FAD2D2] rounded-xl p-2.5 flex flex-col items-center justify-center text-center\">\n <span class=\"text-base font-bold text-[#D23F3A] leading-none\">$2.84M<\/span>\n <span class=\"text-[9px] font-bold text-[#9C9C93] tracking-wide mt-1.5 uppercase leading-none\">30 Years<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pt-2 flex justify-end\">\n <button\n type=\"button\"\n onclick=\"toggleScoreView('full')\"\n class=\"flex items-center gap-1.5 text-[10px] font-extrabold uppercase tracking-wider text-[#C8924A] hover:opacity-80 transition-opacity cursor-pointer py-1 bg-transparent border-0\"\n >\n View Full Diagnostic <svg class=\"w-3.5 h-3.5 ml-1 inline-block align-middle\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2.5\"><polyline points=\"9 18 15 12 9 6\"><\/polyline><\/svg>\n <\/button>\n <\/div>\n <\/div>\n\n \n <div id=\"html-score-full-view\" class=\"bg-white border border-[#E5E1D8] rounded-2xl p-6 w-full max-w-[385px] shadow-sm space-y-5 font-sans text-left hidden\">\n \n <div class=\"space-y-1\">\n <span class=\"text-[10px] font-extrabold text-[#9C9C93] uppercase tracking-wider block text-left\">\n YOUR FULL FINANCIAL DIAGNOSTIC\n <\/span>\n <h3 class=\"text-2xl text-[#1A1A18] tracking-tight leading-tight pt-1 font-serif\">\n What’s inside your report\n <\/h3>\n <p class=\"text-[12px] sm:text-[13px] text-[#6B6B62] leading-normal\">\n The full checkup unlocks 6 deeper diagnostics with your personalised action plan.\n <\/p>\n <\/div>\n\n \n <div class=\"space-y-4 pt-1\">\n \n \n <div class=\"flex items-start justify-between gap-3\">\n <div class=\"flex items-start gap-3\">\n <div class=\"w-10 h-10 rounded-xl bg-[#FFF5F5] border border-[#FFF0F0] flex items-center justify-center shrink-0\">\n <svg class=\"w-5 h-5 text-[#D23F3A]\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M15 12a3 3 0 11-6 0 3 3 0 016 0z\"\/><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M2.458 12C3.732 7.943 7.523 5 12 5c4.478 0 8.268 2.943 9.542 7-1.274 4.057-5.064 7-9.542 7-4.477 0-8.268-2.943-9.542-7z\"\/><\/svg>\n <\/div>\n <div class=\"space-y-0.5 text-left\">\n <p class=\"text-[13px] font-bold text-[#1A1A18] leading-tight\">Wealth at 60<\/p>\n <p class=\"text-[11.5px] text-[#6B6B62] leading-snug\">\n Projected future value vs. your lifestyle and home targets \u2014 both tests failing.\n <\/p>\n <\/div>\n <\/div>\n <span class=\"text-[9px] font-extrabold px-2.5 py-1 bg-[#FFF0F0] text-[#D23F3A] rounded-full uppercase tracking-wider shrink-0 mt-0.5\">\n Critical\n <\/span>\n <\/div>\n\n \n <div class=\"flex items-start justify-between gap-3\">\n <div class=\"flex items-start gap-3\">\n <div class=\"w-10 h-10 rounded-xl bg-[#FFF8EE] border border-[#FFF3E3] flex items-center justify-center shrink-0\">\n <svg class=\"w-5 h-5 text-[#C27A25]\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M9 19v-6a2 2 0 00-2-2H5a2 2 0 00-2 2v6a2 2 0 002 2h2a2 2 0 002-2m0 0V9a2 2 0 012-2h2a2 2 0 012 2v10m-6 0a2 2 0 002 2h2a2 2 0 002-2m0 0V5a2 2 0 012-2h2a2 2 0 012 2v14a2 2 0 01-2 2h-2a2 2 0 01-2-2z\"\/><\/svg>\n <\/div>\n <div class=\"space-y-0.5 text-left\">\n <p class=\"text-[13px] font-bold text-[#1A1A18] leading-tight\">Wealth Vitals<\/p>\n <p class=\"text-[11.5px] text-[#6B6B62] leading-snug\">\n Expense, debt, income & asset ratios benchmarked against financial health targets.\n <\/p>\n <\/div>\n <\/div>\n <span class=\"text-[9px] font-extrabold px-2.5 py-1 bg-[#FFF4E4] text-[#C27A25] rounded-full uppercase tracking-wider shrink-0 mt-0.5\">\n Vulnerable\n <\/span>\n <\/div>\n\n \n <div class=\"flex items-start justify-between gap-3 opacity-65\">\n <div class=\"flex items-start gap-3\">\n <div class=\"w-10 h-10 rounded-xl bg-[#F5F3EF] flex items-center justify-center shrink-0\">\n <svg class=\"w-5 h-5 text-gray-400\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M9 12l2 2 4-4m5.618-4.016A11.955 11.955 0 0112 2.944a11.955 11.955 0 01-8.618 3.04A12.02 12.02 0 003 9c0 5.591 3.824 10.29 9 11.622 5.176-1.332 9-6.03 9-11.622 0-1.042-.133-2.052-.382-3.016z\"\/><\/svg>\n <\/div>\n <div class=\"space-y-0.5 text-left\">\n <p class=\"text-[13px] font-semibold text-[#6B6B62] leading-tight\">Layoff Shield<\/p>\n <p class=\"text-[11px] text-[#9B9B94] leading-snug\">\n How long you’d survive a job loss. Your resilience age revealed.\n <\/p>\n <\/div>\n <\/div>\n <svg class=\"w-3.5 h-3.5 text-gray-400 shrink-0 mt-1\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2\"><rect x=\"3\" y=\"11\" width=\"18\" height=\"11\" rx=\"2\" ry=\"2\"><\/rect><path d=\"M7 11V7a5 5 0 0110 0v4\"><\/path><\/svg>\n <\/div>\n\n \n <div class=\"flex items-start justify-between gap-3 opacity-65\">\n <div class=\"flex items-start gap-3\">\n <div class=\"w-10 h-10 rounded-xl bg-[#F5F3EF] flex items-center justify-center shrink-0\">\n <svg class=\"w-5 h-5 text-gray-400\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><circle cx=\"12\" cy=\"12\" r=\"6\"\/><circle cx=\"12\" cy=\"12\" r=\"2\"\/><\/svg>\n <\/div>\n <div class=\"space-y-0.5 text-left\">\n <p class=\"text-[13px] font-semibold text-[#6B6B62] leading-tight\">Event Reality Check<\/p>\n <p class=\"text-[11px] text-[#9B9B94] leading-snug\">\n Wedding, proposal, or major purchase \u2014 affordability gauge + opportunity cost.\n <\/p>\n <\/div>\n <\/div>\n <svg class=\"w-3.5 h-3.5 text-gray-400 shrink-0 mt-1\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2\"><rect x=\"3\" y=\"11\" width=\"18\" height=\"11\" rx=\"2\" ry=\"2\"><\/rect><path d=\"M7 11V7a5 5 0 0110 0v4\"><\/path><\/svg>\n <\/div>\n\n \n <div class=\"flex items-start justify-between gap-3 opacity-65\">\n <div class=\"flex items-start gap-3\">\n <div class=\"w-10 h-10 rounded-xl bg-[#F5F3EF] flex items-center justify-center shrink-0\">\n <svg class=\"w-5 h-5 text-gray-400\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M12 8c-1.657 0-3 .895-3 2s1.343 2 3 2 3 .895 3 2-1.343 2-3 2m0-8c1.11 0 2.08.402 2.599 1M12 8V7m0 1v8m0 0v1m0-1c-1.11 0-2.08-.402-2.599-1M21 12a9 9 0 11-18 0 9 9 0 0118 0z\"\/><\/svg>\n <\/div>\n <div class=\"space-y-0.5 text-left\">\n <p class=\"text-[13px] font-semibold text-[#6B6B62] leading-tight\">Spending Analysis<\/p>\n <p class=\"text-[11px] text-[#9B9B94] leading-snug\">\n Category-by-category breakdown with personalised targets.\n <\/p>\n <\/div>\n <\/div>\n <svg class=\"w-3.5 h-3.5 text-gray-400 shrink-0 mt-1\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2\"><rect x=\"3\" y=\"11\" width=\"18\" height=\"11\" rx=\"2\" ry=\"2\"><\/rect><path d=\"M7 11V7a5 5 0 0110 0v4\"><\/path><\/svg>\n <\/div>\n\n \n <div class=\"flex items-start justify-between gap-3 opacity-65\">\n <div class=\"flex items-start gap-3\">\n <div class=\"w-10 h-10 rounded-xl bg-[#F5F3EF] flex items-center justify-center shrink-0\">\n <svg class=\"w-5 h-5 text-gray-400\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M12 19l9 2-9-18-9 18 9-2zm0 0v-8\"\/><\/svg>\n <\/div>\n <div class=\"space-y-0.5 text-left\">\n <p class=\"text-[13px] font-semibold text-[#6B6B62] leading-tight\">Wealth Roadmap<\/p>\n <p class=\"text-[11px] text-[#9B9B94] leading-snug\">\n Your 5-phase journey from Foundation to Abundance \u2014 with your current stage.\n <\/p>\n <\/div>\n <\/div>\n <svg class=\"w-3.5 h-3.5 text-gray-400 shrink-0 mt-1\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2\"><rect x=\"3\" y=\"11\" width=\"18\" height=\"11\" rx=\"2\" ry=\"2\"><\/rect><path d=\"M7 11V7a5 5 0 0110 0v4\"><\/path><\/svg>\n <\/div>\n\n <\/div>\n\n \n <div class=\"pt-3 flex justify-between items-center border-t border-[#E5E1D8]\/30\">\n <button\n type=\"button\"\n onclick=\"toggleScoreView('free')\"\n class=\"flex items-center gap-1.5 text-[10px] font-extrabold uppercase tracking-wider text-[#C8924A] hover:opacity-80 transition-opacity cursor-pointer py-1 bg-transparent border-0\"\n >\n <svg class=\"w-3.5 h-3.5 mr-1 inline-block align-middle\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2.5\"><polyline points=\"15 18 9 12 15 6\"><\/polyline><\/svg> Back to Score\n <\/button>\n <a\n href=\"https:\/\/firight.com\/checkup?focus=solo\"\n target=\"_blank\"\n rel=\"noopener noreferrer\"\n class=\"flex items-center gap-1.5 text-[10px] font-extrabold uppercase tracking-wider text-[#C8924A] hover:opacity-80 transition-opacity cursor-pointer py-1 bg-transparent border-0 no-underline\"\n >\n Start Checkup <svg class=\"w-3.5 h-3.5 ml-1 inline-block align-middle\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2.5\"><polyline points=\"9 18 15 12 9 6\"><\/polyline><\/svg>\n <\/a>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section id=\"employers-section\" class=\"grid grid-cols-1 md:grid-cols-2 border-b border-[#E5E1D8] items-stretch\">\n \n <div class=\"bg-[#F5F3EF] p-6 md:p-14 flex items-center justify-center order-2 md:order-1 border-r border-[#E5E1D8]\/60\">\n <div class=\"bg-white border border-[#E5E1D8] rounded-2xl p-6 w-full max-w-[385px] shadow-sm space-y-6\">\n <div class=\"flex items-center justify-between\">\n <div>\n <span id=\"html-calc-title\" class=\"text-[9px] font-extrabold text-[#9B9B94] uppercase tracking-widest block\">Financial Stress Impact Calculator<\/span>\n <\/div>\n <\/div>\n\n \n <div id=\"html-calculator-view\" class=\"space-y-6\">\n <div class=\"space-y-4\">\n \n <div class=\"space-y-1\">\n <div class=\"flex justify-between items-center text-xs\">\n <span class=\"font-bold text-[#1A1A18]\">Total Employees<\/span>\n <span id=\"slider-emp-val\" class=\"font-mono bg-[#F5F3EF] px-2 py-0.5 rounded font-black text-xs text-[#1A1A18]\">150<\/span>\n <\/div>\n <input id=\"slider-emp\" max=\"1500\" min=\"10\" oninput=\"runSalaryCalculator()\" step=\"10\" type=\"range\" value=\"150\" class=\"w-full accent-[#C8924A] cursor-pointer h-1.5 rounded-full bg-gray-200\"\/>\n <\/div>\n <div class=\"space-y-1\">\n <div class=\"flex justify-between items-center text-xs\">\n <span class=\"font-bold text-[#1A1A18]\">Avg. Team Salary<\/span>\n <span id=\"slider-salary-val\" class=\"font-mono bg-[#F5F3EF] px-2 py-0.5 rounded font-black text-xs text-[#1A1A18]\">$75,000\/yr<\/span>\n <\/div>\n <input id=\"slider-salary\" max=\"180000\" min=\"30000\" oninput=\"runSalaryCalculator()\" step=\"5000\" type=\"range\" value=\"75000\" class=\"w-full accent-[#C8924A] cursor-pointer h-1.5 rounded-full bg-gray-200\"\/>\n <\/div>\n <div class=\"space-y-1\">\n <div class=\"flex justify-between items-center text-xs\">\n <span class=\"font-bold text-[#1A1A18]\">Est. Stressed Employees<\/span>\n <span id=\"slider-stress-val\" class=\"font-mono bg-[#F5F3EF] px-2 py-0.5 rounded font-black text-xs text-[#1A1A18]\">78%<\/span>\n <\/div>\n <input id=\"slider-stress\" max=\"100\" min=\"10\" oninput=\"runSalaryCalculator()\" step=\"2\" type=\"range\" value=\"78\" class=\"w-full accent-[#C8924A] cursor-pointer h-1.5 rounded-full bg-gray-200\"\/>\n <\/div>\n <\/div>\n\n <div class=\"bg-[#F5F3EF] rounded-xl p-4 border border-[#E5E1D8] space-y-4 text-xs\">\n <div class=\"grid grid-cols-2 gap-3\">\n <div class=\"bg-white p-3 rounded-lg border border-[#E5E1D8]\">\n <span class=\"text-[9px] font-bold text-[#9B9B94] block uppercase\">Anxious Staff<\/span>\n <span id=\"calc-stressed-count\" class=\"text-lg font-bold text-[#1A1A18]\">117<\/span>\n <\/div>\n <div class=\"bg-white p-3 rounded-lg border border-[#E5E1D8]\">\n <span class=\"text-[9px] font-bold text-[#9B9B94] block uppercase\">Lost Hours<\/span>\n <span id=\"calc-wasted-hours\" class=\"text-lg font-bold text-red-500\">16,848<\/span>\n <\/div>\n <\/div>\n <div class=\"pt-3 border-t border-[#E5E1D8] flex items-center justify-between\">\n <div>\n <span class=\"text-[10px] text-[#9B9B94] uppercase font-bold block\">Annual Productivity Loss<\/span>\n <span id=\"calc-annual-cost\" class=\"text-xl font-bold font-serif text-black\">$631,800<\/span>\n <\/div>\n <div class=\"bg-[#EAF3DE] border border-[#2D6A4F]\/20 p-2 rounded-lg text-right\">\n <span class=\"text-[9px] font-black text-[#2D6A4F] block uppercase\">BienFi Mitigated Savings<\/span>\n <span id=\"calc-savings\" class=\"text-sm font-black font-serif text-[#2D6A4F]\">+$113,724<\/span>\n <\/div>\n <\/div>\n <div class=\"text-[10px] text-[#9B9B94] text-right pt-1 font-semibold tracking-wide uppercase\">\n PwC \/ CFP Benchmarks\n <\/div>\n <\/div>\n\n \n <div class=\"pt-2 flex justify-end\">\n <button type=\"button\" onclick=\"toggleHtmlCalculatorView('dashboard')\" class=\"flex items-center gap-1.5 text-[10px] font-extrabold uppercase tracking-wider text-[#C8924A] hover:opacity-80 transition-opacity cursor-pointer\">\n View Impact Dashboard \u2794\n <\/button>\n <\/div>\n <\/div>\n\n \n <div id=\"html-dashboard-view\" class=\"hidden space-y-4 py-2\">\n <div class=\"divide-y divide-[#E5E1D8]\/60\">\n \n <div class=\"flex items-center justify-between pb-3.5\">\n <div class=\"flex items-center gap-3\">\n <div class=\"w-11 h-11 rounded-2xl bg-[#EAF3DE] flex items-center justify-center shrink-0\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#2D6A4F\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"18\" y1=\"20\" x2=\"18\" y2=\"10\"\/><line x1=\"12\" y1=\"20\" x2=\"12\" y2=\"4\"\/><line x1=\"6\" y1=\"20\" x2=\"6\" y2=\"14\"\/><\/svg>\n <\/div>\n <div class=\"space-y-0.5 text-left\">\n <p class=\"text-xs md:text-sm font-bold text-black leading-tight\">Benefits enrollment<\/p>\n <p class=\"text-[10px] md:text-xs text-[#9B9B94] leading-tight\">\u2191 34% since launch<\/p>\n <\/div>\n <\/div>\n <span class=\"text-xs md:text-sm text-[#2D6A4F] font-bold\">+34%<\/span>\n <\/div>\n\n \n <div class=\"flex items-center justify-between py-3.5\">\n <div class=\"flex items-center gap-3\">\n <div class=\"w-11 h-11 rounded-2xl bg-[#E6F1FB] flex items-center justify-center shrink-0\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#2563EB\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M17 21v-2a4 4 0 0 0-4-4H5a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M23 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg>\n <\/div>\n <div class=\"space-y-0.5 text-left\">\n <p class=\"text-xs md:text-sm font-bold text-black leading-tight\">Checkup completion<\/p>\n <p id=\"html-dash-checkup-desc\" class=\"text-[10px] md:text-xs text-[#9B9B94] leading-tight\">120 of 150 employees<\/p>\n <\/div>\n <\/div>\n <span class=\"text-xs md:text-sm text-black font-bold\">80%<\/span>\n <\/div>\n\n \n <div class=\"flex items-center justify-between py-3.5\">\n <div class=\"flex items-center gap-3\">\n <div class=\"w-11 h-11 rounded-2xl bg-[#FDF3E3] flex items-center justify-center shrink-0\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#C8924A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"23 18 13.5 8.5 8.5 13.5 1 6\"\/><polyline points=\"17 18 23 18 23 12\"\/><\/svg>\n <\/div>\n <div class=\"space-y-0.5 text-left\">\n <p class=\"text-xs md:text-sm font-bold text-black leading-tight\">Financial stress index<\/p>\n <p class=\"text-[10px] md:text-xs text-[#9B9B94] leading-tight\">\u2193 18% vs last quarter<\/p>\n <\/div>\n <\/div>\n <span class=\"text-xs md:text-sm text-[#2D6A4F] font-bold\">\u2193 18%<\/span>\n <\/div>\n\n \n <div class=\"flex items-center justify-between pt-3.5\">\n <div class=\"flex items-center gap-3\">\n <div class=\"w-11 h-11 rounded-2xl bg-[#F3F4F6] flex items-center justify-center shrink-0\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#9B9B94\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"3\" y=\"11\" width=\"18\" height=\"11\" rx=\"2\" ry=\"2\"\/><path d=\"M7 11V7a5 5 0 0 1 10 0v4\"\/><\/svg>\n <\/div>\n <div class=\"space-y-0.5 text-left\">\n <p class=\"text-xs md:text-sm font-bold text-black leading-tight\">All data anonymised<\/p>\n <p class=\"text-[10px] md:text-xs text-[#9B9B94] leading-tight\">No individual data exposed<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pt-2 flex justify-start\">\n <button type=\"button\" onclick=\"toggleHtmlCalculatorView('calculator')\" class=\"flex items-center gap-1.5 text-[10px] font-extrabold uppercase tracking-wider text-[#C8924A] hover:opacity-80 transition-opacity cursor-pointer\">\n \u2190 Back to Stress Calculator\n <\/button>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \n <div class=\"py-16 md:py-24 px-6 md:pr-20 md:pl-16 flex flex-col justify-center space-y-5 bg-white order-1 md:order-2\">\n <span class=\"text-[10px] font-bold text-[#C8924A] uppercase tracking-[0.2em] block\">For employers<\/span>\n <h2 class=\"font-headline-md text-3xl md:text-4xl text-[#1A1A18] leading-tight\">\n Build a <span class=\"italic-moment text-[#6B6B62]\">financially bien<\/span> team\n <\/h2>\n <p class=\"text-[14px] md:text-[15px] text-[#6B6B62] leading-[1.75] max-w-[440px]\">\n 78% of employees say finances are a distraction at work. BienFi helps employers review company benefits, offer private financial health checkups, provide tailored solutions, and deliver anonymized progress summaries. Left unchecked, employee financial stress hurts company culture, increases turnover, drives up healthcare expenditures, dents productivity, and reduces profitability.\n <\/p>\n <div class=\"pt-2\">\n <button onclick=\"alert('Demo setup sequence initiated. High-level team alignment schedules will be messaged shortly.')\" class=\"w-full sm:w-auto text-center bg-[#FDF3E3] hover:bg-[#C8924A]\/25 border border-[#E8C49A] text-[#C8924A] text-xs font-black py-3 px-6 rounded-xl transition-all\">\n Book a Free Team Demo \u2794\n <\/button>\n <span class=\"text-[10px] text-[#9B9B94] block mt-2\">\n 30 minutes \u00b7 No commitment \u00b7 Ready for teams of 10 to 5,000+\n <\/span>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section id=\"students-section\" class=\"grid grid-cols-1 md:grid-cols-2 border-b border-[#E5E1D8] items-stretch\">\n \n <div class=\"py-16 md:py-24 px-6 md:pl-20 md:pr-16 flex flex-col justify-center space-y-5 bg-white\">\n <span class=\"text-[10px] font-bold text-[#4A7FA5] uppercase tracking-[0.2em] block\">For students<\/span>\n <h2 class=\"font-headline-md text-3xl md:text-4xl text-[#1A1A18] leading-tight\">\n Start your career <span class=\"italic-moment text-[#6B6B62]\">financially bien<\/span>\n <\/h2>\n <p class=\"text-[14px] md:text-[15px] text-[#6B6B62] leading-[1.75] max-w-[440px]\">\n Don’t wait until you’re 45 and regret it. BienFi reviews your student and employment benefits, then guides you through building a solid financial foundation\u2014smart spending, clearing debt, and growing wealth.\n <\/p>\n <\/div>\n \n <div class=\"bg-[#F5F3EF] p-6 md:p-14 flex items-center justify-center min-h-[360px] border-l border-[#E5E1D8]\/60\">\n <div id=\"student-portal-unlocked\" class=\"bg-white border border-[#E5E1D8] rounded-2xl p-6 w-full max-w-[385px] shadow-sm space-y-5\">\n <div class=\"flex items-center justify-between border-b border-[#E5E1D8] pb-3\">\n <span class=\"text-[10px] font-bold text-[#9B9B94] block uppercase\">Financial Foundation Plan<\/span>\n <span class=\"bg-[#E6F1FB] text-[#4A7FA5] text-[9px] uppercase font-bold px-2 py-0.5 rounded\">Active<\/span>\n <\/div>\n \n <div class=\"space-y-4 text-xs font-medium text-[#1A1A18]\">\n <div>\n <div class=\"flex justify-between items-center mb-1 text-[11px]\">\n <span>Student Subsidies \/ Benefits<\/span>\n <span class=\"text-[#2D6A4F] font-bold\">100% Completed<\/span>\n <\/div>\n <div class=\"w-full h-1.5 bg-gray-200 rounded-full overflow-hidden\">\n <div class=\"h-full bg-[#2D6A4F]\" style=\"width: 100%\"><\/div>\n <\/div>\n <\/div>\n <div>\n <div class=\"flex justify-between items-center mb-1 text-[11px]\">\n <span>Part-time Allowances \/ match<\/span>\n <span class=\"text-[#2D6A4F] font-bold\">100% Completed<\/span>\n <\/div>\n <div class=\"w-full h-1.5 bg-gray-200 rounded-full overflow-hidden\">\n <div class=\"h-full bg-[#2D6A4F]\" style=\"width: 100%\"><\/div>\n <\/div>\n <\/div>\n <div>\n <div class=\"flex justify-between items-center mb-1 text-[11px]\">\n <span>Emergency Cash cushion<\/span>\n <span id=\"student-mock-em-txt\" class=\"text-[#C8924A] font-bold\">52% In progress<\/span>\n <\/div>\n <div class=\"w-full h-1.5 bg-gray-200 rounded-full overflow-hidden\">\n <div id=\"student-mock-em-bar\" class=\"h-full bg-[#C8924A] transition-all duration-300\" style=\"width: 52%\"><\/div>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"space-y-2 pt-2\">\n <span class=\"text-[9px] font-bold text-[#9B9B94] uppercase tracking-wide block\">SIMULATE STEPS<\/span>\n <button onclick=\"boostStudentEmergency()\" class=\"w-full text-left p-3 rounded-lg border border-[#E5E1D8] hover:border-[#6B6B62] bg-[#F5F3EF] flex items-center justify-between font-bold text-xs\">\n <div>\n <p class-[#1A1A18]>Set continuous $15 swipe sweep buffer<\/p>\n <p class=\"text-[10px] text-[#6B6B62] font-normal\">Saves spare changes into secure HYSA accounts<\/p>\n <\/div>\n <span class=\"text-[#C8924A] whitespace-nowrap bg-white border border-[#C8924A]\/20 px-2 py-0.5 rounded\">+12% Cash<\/span>\n <\/button>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section class=\"grid grid-cols-1 md:grid-cols-3 border-b border-[#E5E1D8] divide-y md:divide-y-0 md:divide-x divide-[#E5E1D8] bg-white\">\n <div class=\"py-10 px-8 flex flex-col justify-center space-y-2 text-center md:text-left\">\n <span class=\"font-headline-lg text-4xl text-black\">9 in 10<\/span>\n <p class=\"text-[13px] text-[#6B6B62]\">people aged 45-60 regret delaying foundational wealth roadmap checks.<\/p>\n <span class=\"text-[9px] font-bold text-[#9B9B94] uppercase tracking-widest pt-1\">CFP Board Survey<\/span>\n <\/div>\n <div class=\"py-10 px-8 flex flex-col justify-center space-y-2 text-center md:text-left\">\n <span class=\"font-headline-lg text-4xl text-black\">92%<\/span>\n <p class=\"text-[13px] text-[#6B6B62]\">of active retirees report underestimating healthcare structures.<\/p>\n <span class=\"text-[9px] font-bold text-[#9B9B94] uppercase tracking-widest pt-1\">Clever Retirement Analysis<\/span>\n <\/div>\n <div class=\"py-10 px-8 flex flex-col justify-center space-y-2 text-center md:text-left\">\n <span class=\"font-headline-lg text-4xl text-black\">78%<\/span>\n <p class=\"text-[13px] text-[#6B6B62]\">of employees state structural cash worries directly compromise workspace productivity.<\/p>\n <span class=\"text-[9px] font-bold text-[#9B9B94] uppercase tracking-widest pt-1\">PwC Corporate Review<\/span>\n <\/div>\n <\/section>\n\n \n <section class=\"py-16 md:py-24 px-6 md:px-12 border-b border-[#E5E1D8] bg-white\">\n <div class=\"max-w-5xl mx-auto flex flex-col lg:flex-row gap-12 items-start justify-between\">\n <div class=\"flex-1 space-y-6\">\n <div class=\"flex items-center gap-4\">\n <div class=\"w-14 h-14 bg-[#E6F1FB] border border-[#E5E1D8] rounded-full flex items-center justify-center shrink-0\">\n <span class=\"text-sm font-bold text-[#4A7FA5]\">LN<\/span>\n <\/div>\n <div>\n <span class=\"text-[10px] uppercase font-bold text-[#9B9B94] block uppercase\">Meet your strategy guide<\/span>\n <h3 class=\"font-headline-md text-2xl text-black font-semibold\">Linh Nguyen<\/h3>\n <\/div>\n <\/div>\n <h2 class=\"font-headline-md text-3xl md:text-4xl text-[#1A1A18]\">\n Not a <span class=\"italic-moment text-[#6B6B62]\">robot<\/span>. Not a sales pitch.\n <\/h2>\n <p class=\"text-[14px] md:text-[15px] text-[#6B6B62] leading-[1.8] max-w-xl\">\n Linh Nguyen is an experienced CPA and Masters of Finance who previously formulated strategic risk resilience solutions for governments. She applied that identical model to secure solid baseline security. BienFi translates that zero-commission math onto your accounts.\n <\/p>\n <div class=\"flex flex-wrap gap-2\">\n <span class=\"px-3.5 py-1.5 bg-[#F5F3EF] border border-[#E5E1D8] rounded-full text-[10px] text-[#6B6B62] font-bold uppercase tracking-wider\">\u2713 CPA Standard<\/span>\n <span class=\"px-3.5 py-1.5 bg-[#F5F3EF] border border-[#E5E1D8] rounded-full text-[10px] text-[#6B6B62] font-bold uppercase tracking-wider\">\u2713 Master of Finance<\/span>\n <span class=\"px-3.5 py-1.5 bg-[#F5F3EF] border border-[#E5E1D8] rounded-full text-[10px] text-[#6B6B62] font-bold uppercase tracking-wider\">\u2713 Zero Commissions<\/span>\n <\/div>\n <\/div>\n\n \n <div class=\"w-full lg:w-auto shrink-0\">\n <div class=\"bg-[#F5F3EF] border border-[#E5E1D8] rounded-2xl p-5 w-full max-w-md shadow-sm space-y-5 text-xs\">\n <div class=\"flex justify-between items-center text-[10px] uppercase font-bold text-[#9B9B94] tracking-wider\">\n <span>Strategy advice topics<\/span>\n <span class=\"text-[#2D6A4F] bg-[#EAF3DE] px-1.5 py-0.5 rounded uppercase\">CPA Active<\/span>\n <\/div>\n <div class=\"flex flex-wrap gap-1.5\">\n <button onclick=\"switchAdviceTopic(0)\" id=\"advice-tab-0\" class=\"advice-tab-btn font-bold py-1.5 px-3 rounded-lg border bg-[#1A1A18] text-white border-[#1A1A18]\">Sovereign Models<\/button>\n <button onclick=\"switchAdviceTopic(1)\" id=\"advice-tab-1\" class=\"advice-tab-btn font-bold py-1.5 px-3 rounded-lg border bg-white text-[#6B6B62] border-[#E5E1D8] hover:border-[#6B6B62]\">Why Fee-Only?<\/button>\n <button onclick=\"switchAdviceTopic(2)\" id=\"advice-tab-2\" class=\"advice-tab-btn font-bold py-1.5 px-3 rounded-lg border bg-white text-[#6B6B62] border-[#E5E1D8] hover:border-[#6B6B62]\">HSA Value<\/button>\n <\/div>\n\n <div class=\"bg-white border border-[#E5E1D8] p-4 rounded-xl space-y-3 min-h-[140px] relative\">\n <p id=\"advice-quote\" class=\"text-xs text-[#6B6B62] italic leading-relaxed\">\n “Governments secure liquid reserves to survive macro credit freezes. You have to establish an identical buffer of three months minimum before looking at risk-on options.”\n <\/p>\n <p id=\"advice-subtitle\" class=\"text-[10px] text-[#9B9B94] border-t border-[#F5F3EF] pt-2.5 flex justify-between font-bold\">\n <span>Sovereign balance models<\/span>\n <span>Fee-Only CPA Guideline<\/span>\n <\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section class=\"py-20 text-center bg-white border-b border-[#E5E1D8]\">\n <div class=\"max-w-md mx-auto space-y-5 px-6\">\n <span class=\"text-[10px] font-bold text-[#9B9B94] uppercase tracking-widest block\">Ready to start?<\/span>\n <h2 class=\"font-headline-md text-3xl md:text-4xl text-black\">\n Know your <span class=\"italic-moment text-[#6B6B62]\">financial baseline<\/span>\n <\/h2>\n <p class=\"text-sm text-[#6B6B62] leading-relaxed max-w-xs mx-auto\">\n Like a physical medical checkup \u2014 evaluate your baseline parameters to survive macro friction.\n <\/p>\n <div class=\"pt-4 flex flex-col items-center\">\n <button onclick=\"openCheckupModal()\" class=\"bg-[#1A1A18] text-white font-bold text-xs sm:text-sm px-8 py-4 rounded-lg hover:opacity-95 transition-all shadow-md\">\n Get My Free Score \u2794\n <\/button>\n <span class=\"text-[11px] text-[#9B9B94] block mt-3\">Free Score \u00b7 Full Checkup $97 \u00b7 100% Private & Unbiased<\/span>\n <\/div>\n <\/div>\n <\/section>\n\n<\/div>\n\n<script>\n \/\/ ________________________________ CALCULATORS & UI SCRIPTS ________________________________\n \n \/\/ Sliders & outputs references\n function runSalaryCalculator() {\n const amtEmp = parseInt(document.getElementById(\"slider-emp\").value);\n const amtSalary = parseInt(document.getElementById(\"slider-salary\").value);\n const amtStress = parseInt(document.getElementById(\"slider-stress\").value);\n\n \/\/ Update labels\n document.getElementById(\"slider-emp-val\").innerText = amtEmp;\n document.getElementById(\"slider-salary-val\").innerText = \"$\" + amtSalary.toLocaleString() + \"\/yr\";\n document.getElementById(\"slider-stress-val\").innerText = amtStress + \"%\";\n\n \/\/ Calculations\n const stressedCount = Math.round(amtEmp * (amtStress \/ 100));\n const ratePerHour = amtSalary \/ 2000;\n const totalWastedHours = stressedCount * 3 * 48; \/\/ 3 hours\/wk, 48 active weeks\n const lostCost = Math.round(totalWastedHours * ratePerHour);\n const directSavings = Math.round(lostCost * 0.18);\n\n \/\/ Out to tags\n document.getElementById(\"calc-stressed-count\").innerText = stressedCount;\n document.getElementById(\"calc-wasted-hours\").innerText = totalWastedHours.toLocaleString();\n document.getElementById(\"calc-annual-cost\").innerText = \"$\" + lostCost.toLocaleString();\n document.getElementById(\"calc-savings\").innerText = \"+$\" + directSavings.toLocaleString();\n\n \/\/ Dashboard Metrics update\n const checkupCompleted = Math.round(amtEmp * 0.8);\n document.getElementById(\"html-dash-checkup-desc\").innerText = checkupCompleted + \" of \" + amtEmp + \" employees\";\n }\n\n function toggleHtmlCalculatorView(view) {\n const titleEl = document.getElementById(\"html-calc-title\");\n const calcView = document.getElementById(\"html-calculator-view\");\n const dashView = document.getElementById(\"html-dashboard-view\");\n \n if (view === 'dashboard') {\n titleEl.innerText = \"Team Financial Wellness Dashboard\";\n calcView.classList.add(\"hidden\");\n dashView.classList.remove(\"hidden\");\n } else {\n titleEl.innerText = \"Financial Stress Impact Calculator\";\n calcView.classList.remove(\"hidden\");\n dashView.classList.add(\"hidden\");\n }\n }\n\n function toggleScoreView(view) {\n const freeView = document.getElementById(\"html-score-free-view\");\n const fullView = document.getElementById(\"html-score-full-view\");\n if (view === 'full') {\n freeView.classList.add(\"hidden\");\n fullView.classList.remove(\"hidden\");\n } else {\n freeView.classList.remove(\"hidden\");\n fullView.classList.add(\"hidden\");\n }\n }\n\n \/\/ Advice topic switches\n const adviceList = [\n {\n q: \"Governments secure liquid cash buffers to survive severe credit freezes. Your household should establish an identical baseline cushion of three months of cash before targeting riskier investment options.\",\n label: \"Sovereign balance models\"\n },\n {\n q: \"Traditional sales commission models force 'advisors' to advocate for high-fee funds or loaded life policies. Independent fee-only models alignments strictly direct strategy strictly for your maximum bank balance.\",\n label: \"Why Fee-Only?\"\n },\n {\n q: \"HSA accounts carry extreme tax advantage: Pre-tax contributions reduces physical gross income. All capital growth compounds taxes-free. Health expenditures withdrawals escape 100% taxes. Maximize it.\",\n label: \"HSA Value Advantage\"\n }\n ];\n\n function switchAdviceTopic(idx) {\n document.querySelectorAll(\".advice-tab-btn\").forEach(btn => {\n btn.classList.add(\"bg-white\", \"text-[#6B6B62]\", \"border-[#E5E1D8]\");\n btn.classList.remove(\"bg-[#1A1A18]\", \"text-white\", \"border-[#1A1A18]\");\n });\n\n const activeBtn = document.getElementById(\"advice-tab-\" + idx);\n if (activeBtn) {\n activeBtn.classList.remove(\"bg-white\", \"text-[#6B6B62]\", \"border-[#E5E1D8]\");\n activeBtn.classList.add(\"bg-[#1A1A18]\", \"text-white\", \"border-[#1A1A18]\");\n }\n\n document.getElementById(\"advice-quote\").innerText = '\"' + adviceList[idx].q + '\"';\n document.getElementById(\"advice-subtitle\").firstElementChild.innerText = adviceList[idx].label;\n }\n\n \/\/ Student interaction\n let emPct = 52;\n function boostStudentEmergency() {\n if(emPct >= 100) return;\n emPct = Math.min(100, emPct + 12);\n document.getElementById(\"student-mock-em-txt\").innerText = emPct + \"% \" + (emPct === 100 ? \"Secured\" : \"In progress\");\n document.getElementById(\"student-mock-em-bar\").style.width = emPct + \"%\";\n if(emPct === 100) {\n alert(\"Congratulations! You have setup a solid student safety reserve framework.\");\n }\n }\n\n\n \/\/ ________________________________ MULTI-STEP MODAL STATE CONTROLLER ________________________________\n function openCheckupModal() {\n window.open(\"https:\/\/firight.com\/checkup?focus=solo\", \"_blank\", \"noopener,noreferrer\");\n }\n\n function closeCheckupModal() {\n }\n\n \/\/ Init page calculator values\n runSalaryCalculator();\n<\/script>\n\n<\/body>\n<\/html>\n\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BienFi \u2014 Your Independent Finance Doctor (WordPress HTML Block) BienFi Overview Employees Employers Students Get My Free Score \u2600\ufe0f Live Financially Bien Your independent Finance Doctor Independent financial health checkups for employees and working students. An essential benefit that employers and universities should offer, just like an annual physical. Financial issues are silent, preventable, and […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"class_list":["post-48","page","type-page","status-publish","entry"],"featured_image_src":null,"featured_image_src_square":null,"_links":{"self":[{"href":"https:\/\/bienfi.com\/index.php?rest_route=\/wp\/v2\/pages\/48","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bienfi.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bienfi.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bienfi.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bienfi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=48"}],"version-history":[{"count":21,"href":"https:\/\/bienfi.com\/index.php?rest_route=\/wp\/v2\/pages\/48\/revisions"}],"predecessor-version":[{"id":74,"href":"https:\/\/bienfi.com\/index.php?rest_route=\/wp\/v2\/pages\/48\/revisions\/74"}],"wp:attachment":[{"href":"https:\/\/bienfi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=48"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

{"id":48,"date":"2026-06-10T12:30:42","date_gmt":"2026-06-10T12:30:42","guid":{"rendered":"https:\/\/bienfi.com\/?page_id=48"},"modified":"2026-06-13T04:03:00","modified_gmt":"2026-06-13T04:03:00","slug":"home","status":"publish","type":"page","link":"https:\/\/bienfi.com\/","title":{"rendered":"Home"},"content":{"rendered":"\n\n\n\n \n \n BienFi \u2014 Your Independent Finance Doctor (WordPress HTML Block)<\/title>\n \n <link href=\"https:\/\/fonts.googleapis.com\/css2?family=DM+Sans:ital,wght@0,400;0,500;0,700;1,400&family=DM+Serif+Display:ital@0;1&display=swap\" rel=\"stylesheet\"\/>\n \n <script src=\"https:\/\/cdn.tailwindcss.com?plugins=forms,typography\"><\/script>\n \n <script>\n tailwind.config = {\n theme: {\n extend: {\n colors: {\n \"primary\": \"#1A1A18\",\n \"secondary\": \"#6B6B62\",\n \"ink-black\": \"#1A1A18\",\n \"warm-gray\": \"#6B6B62\",\n \"muted-gray\": \"#9B9B94\",\n \"warm-beige\": \"#E5E1D8\",\n \"paper-white\": \"#FFFFFF\",\n \"surface-mist\": \"#F5F3EF\",\n \"forest-deep\": \"#2D6A4F\",\n \"warm-amber\": \"#C8924A\",\n \"dusty-blue\": \"#4A7FA5\",\n },\n fontFamily: {\n \"headline-md\": [\"DM Serif Display\", \"serif\"],\n \"headline-lg\": [\"DM Serif Display\", \"serif\"],\n \"display-lg\": [\"DM Serif Display\", \"serif\"],\n \"body-md\": [\"DM Sans\", \"sans-serif\"],\n \"body-lg\": [\"DM Sans\", \"sans-serif\"],\n }\n }\n }\n }\n <\/script>\n <style>\n .bienfi-html-block {\n background-color: #FFFFFF;\n color: #1A1A18;\n font-family: 'DM Sans', sans-serif;\n -webkit-font-smoothing: antialiased;\n }\n .italic-moment {\n font-style: italic;\n font-family: 'DM Serif Display', serif;\n }\n @keyframes marquee {\n 0% { transform: translateX(0); }\n 100% { transform: translateX(-50%); }\n }\n .animate-marquee {\n animation: marquee 40s linear infinite;\n }\n <\/style>\n<\/head>\n<body class=\"bienfi-html-block overflow-x-hidden\">\n\n<div class=\"bienfi-root-wrap\">\n\n \n <header class=\"sticky top-0 w-full z-50 h-[52px] bg-white\/95 backdrop-blur-md border-b border-[#E5E1D8]\">\n <div class=\"max-w-6xl mx-auto h-full flex items-center justify-between px-6 md:px-12\">\n <div class=\"flex items-center gap-1.5 font-bold text-lg text-black select-none\">\n <span>BienFi<\/span>\n <\/div>\n <nav class=\"hidden md:flex items-center gap-8\">\n <a class=\"text-[13px] text-black font-semibold hover:text-[#2D6A4F] transition-colors\" href=\"#overview-section\">Overview<\/a>\n <a class=\"text-[13px] text-[#6B6B62] hover:text-[#1A1A18] hover:bg-[#F5F3EF] px-3 py-1 rounded-full transition-all\" href=\"#employees-section\">Employees<\/a>\n <a class=\"text-[13px] text-[#6B6B62] hover:text-[#1A1A18] hover:bg-[#F5F3EF] px-3 py-1 rounded-full transition-all\" href=\"#employers-section\">Employers<\/a>\n <a class=\"text-[13px] text-[#6B6B62] hover:text-[#1A1A18] hover:bg-[#F5F3EF] px-3 py-1 rounded-full transition-all\" href=\"#students-section\">Students<\/a>\n <\/nav>\n <div>\n <button onclick=\"openCheckupModal()\" class=\"bg-[#1A1A18] text-white text-[12.5px] font-bold px-4 py-2 rounded-full hover:opacity-90 transition-opacity\">\n Get My Free Score\n <\/button>\n <\/div>\n <\/div>\n <\/header>\n\n \n <section id=\"overview-section\" class=\"relative min-h-[500px] md:min-h-[600px] flex items-center justify-center border-b border-[#E5E1D8] overflow-hidden\">\n <div class=\"absolute inset-0 z-0\">\n <img decoding=\"async\" alt=\"Atmospheric mountain landscape with early sunrise light\" class=\"w-full h-full object-cover\" src=\"https:\/\/lh3.googleusercontent.com\/aida-public\/AB6AXuC2LyoSIECQ83hNWgKWyiLmE2hhUZKEQxdOSb2qcO_hJyErKjwg01g8vVYcp9Ai-5LbpQAoeeoobj5luMiTEJMwuOKc7Yw4ekya3z28NgN-2Agf7lmGdi5ivEQ5DDlo7_k5vr3v0ajkRY-tUAtzf_z7liE7IsoM9WZa-QBcGFhD2upgy6Whnc2WDikfqJbNvZ6FVnQoGY8ad91ot3JAH1PTV9vEv-eNMMcB7iFJyieETTPRFeSafPR3sbOlDjE7NBEVryeGjwEtWA\"\/>\n <div class=\"absolute inset-0 bg-black\/35 backdrop-blur-[0.5px]\"><\/div>\n <\/div>\n <div class=\"relative z-10 max-w-[620px] mx-auto text-center px-6 py-14\">\n <span class=\"inline-block font-bold text-[11px] text-white\/95 tracking-[0.2em] uppercase bg-white\/10 px-3 py-1 rounded-full border border-white\/20 mb-4\">\u2600\ufe0f Live Financially Bien<\/span>\n <h1 class=\"font-headline-lg text-4xl sm:text-5xl lg:text-6xl text-white mb-4 leading-[1.1] tracking-tight\">\n Your <span class=\"italic-moment text-white\/80\">independent<\/span> Finance Doctor\n <\/h1>\n <p class=\"text-[14px] md:text-[15px] text-white\/90 mb-8 max-w-[440px] mx-auto leading-relaxed\">\n Independent financial health checkups for employees and working students. An essential benefit that employers and universities should offer, just like an annual physical. Financial issues are silent, preventable, and far cheaper to catch early than to treat late.\n <\/p>\n <div class=\"flex flex-col items-center gap-3\">\n <button onclick=\"openCheckupModal()\" class=\"bg-white text-[#1A1A18] font-bold text-xs sm:text-sm px-6 py-3.5 rounded-lg hover:bg-[#F5F3EF] hover:scale-105 transition-all flex items-center gap-2 shadow-xl\">\n Get My Free Score \u2794\n <\/button>\n <span class=\"text-[11px] text-white\/70\">Free Score \u00b7 Full Checkup $97 \u00b7 100% Private & Unbiased<\/span>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section class=\"bg-white border-b border-[#E5E1D8] py-4 overflow-hidden select-none\">\n <div class=\"flex whitespace-nowrap overflow-hidden\">\n <div class=\"inline-flex items-center gap-4 px-6 animate-marquee\">\n <span class=\"text-[10px] text-[#9B9B94] uppercase font-bold tracking-widest mr-4\">Financial wellness for<\/span>\n <div class=\"flex items-center gap-4\">\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">Employees<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">Employers<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">University staff<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">University students<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">Early-career professionals<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">HR leaders<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">First-job graduates<\/span>\n <\/div>\n <\/div>\n <div class=\"inline-flex items-center gap-4 px-6 animate-marquee\">\n <span class=\"text-[10px] text-[#9B9B94] uppercase font-bold tracking-widest mr-4\">Financial wellness for<\/span>\n <div class=\"flex items-center gap-4\">\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">Employees<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">Employers<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">University staff<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">University students<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">Early-career professionals<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">HR leaders<\/span>\n <span class=\"w-1 h-1 bg-[#E1DCD2] rounded-full\"><\/span>\n <span class=\"text-[13px] font-bold text-[#1A1A18]\">First-job graduates<\/span>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section id=\"employees-section\" class=\"grid grid-cols-1 md:grid-cols-2 border-b border-[#E5E1D8] items-stretch\">\n <div class=\"py-16 md:py-24 px-6 md:pl-20 md:pr-16 flex flex-col justify-center space-y-5 bg-white\">\n <span class=\"text-[10px] font-bold text-[#2D6A4F] uppercase tracking-[0.2em] block\">For employees<\/span>\n <h2 class=\"font-headline-md text-3xl md:text-4xl text-[#1A1A18] leading-tight\">\n Grow your career <span class=\"italic-moment text-[#6B6B62]\">financially bien<\/span>\n <\/h2>\n <p class=\"text-[14px] md:text-[15px] text-[#6B6B62] leading-[1.75] max-w-[440px]\">\n How financially fit are you? 9 out of 10 people regret delaying their financial planning. Discover where you stand with BienFi’s independent, data-driven Financial Fit Score. Assess your net worth against your age and goals, identify gaps, and unlock opportunities. Follow a personalized roadmap to reach your financial and travel goals by age 60, while advancing your career.\n <\/p>\n <div class=\"flex flex-col items-start gap-2 pt-2\">\n <button onclick=\"openCheckupModal()\" class=\"w-full sm:w-auto bg-[#1A1A18] text-white text-xs font-bold px-[22px] py-[13px] rounded-lg hover:opacity-90 transition-all text-center\">\n Get My Free Score \u2794\n <\/button>\n <span class=\"text-[11px] text-[#9B9B94] font-medium w-full text-center sm:text-left\">\n Free Score \u00b7 Full Checkup $97 \u00b7 100% Private & Unbiased\n <\/span>\n <\/div>\n <\/div>\n <div class=\"bg-[#F5F3EF] p-8 md:p-16 flex items-center justify-center min-h-[360px] border-l border-[#E5E1D8]\/60\">\n \n <div id=\"html-score-free-view\" class=\"bg-white border border-[#E5E1D8] rounded-2xl p-6 w-full max-w-[385px] shadow-sm space-y-4 font-sans text-left\">\n \n <div class=\"space-y-3\">\n <span class=\"text-[10px] font-extrabold text-[#9C9C93] uppercase tracking-wider block text-left\">\n YOUR FINANCIAL HEALTH SCORE\n <\/span>\n <div class=\"text-center\">\n <span class=\"inline-flex text-[11px] font-extrabold tracking-wide text-[#B76E1A] bg-[#FFF8EE] border border-[#FBEAD4] px-4 py-1 rounded-full uppercase\">\n DEVELOPING\n <\/span>\n <\/div>\n <\/div>\n\n \n <div class=\"space-y-1 pt-1 text-center\">\n <div class=\"flex items-baseline justify-center text-black font-sans\">\n <span class=\"text-6xl font-medium tracking-tight\">4.2<\/span>\n <span class=\"text-xl text-[#9C9C93] ml-1 font-normal\">\/10<\/span>\n <\/div>\n <h4 class=\"text-[15px] text-[#1A1A18] tracking-tight pt-1 font-normal\">\n You’re building, but key gaps remain\n <\/h4>\n <\/div>\n\n \n <div class=\"relative pt-2 pb-1\">\n \n <div class=\"h-1.5 w-full bg-gradient-to-r from-[#DE3820] via-[#CD8238] via-[#85803E] to-[#2E6A4E] rounded-full relative\">\n \n <div \n class=\"w-3.5 h-3.5 bg-white border-[3px] border-[#1A1A18] rounded-full absolute -ml-1.75 top-1\/2 -track-y-1\/2 shadow-sm\"\n style=\"left: 42%; transform: translate(-50%, -50%);\"\n ><\/div>\n <\/div>\n \n \n <div class=\"flex justify-between items-center text-[10px] font-black tracking-wider text-[#9C9C93] uppercase pt-2 relative\">\n <span>Critical<\/span>\n <span class=\"absolute left-[42%] -translate-x-1\/2 text-[#1A1A18] font-extrabold\">You \u2014 4.2<\/span>\n <span>Elite<\/span>\n <\/div>\n <\/div>\n\n \n <div class=\"space-y-1.5 text-xs pt-1\">\n \n \n <div class=\"py-1 flex items-center justify-between\">\n <div class=\"flex items-center gap-2.5\">\n <span class=\"w-2.5 h-2.5 rounded-full bg-[#C27A25]\"><\/span>\n <span class=\"font-normal text-[#1A1A18] text-sm\">Spending<\/span>\n <\/div>\n <span class=\"text-[10px] font-extrabold px-3 py-1 bg-[#FFF4E4] text-[#C27A25] rounded-full uppercase tracking-wider\">\n Vulnerable\n <\/span>\n <\/div>\n\n \n <div class=\"py-1 flex items-center justify-between\">\n <div class=\"flex items-center gap-2.5\">\n <span class=\"w-2.5 h-2.5 rounded-full bg-[#2E6A4E]\"><\/span>\n <span class=\"font-normal text-[#1A1A18] text-sm\">Debt<\/span>\n <\/div>\n <span class=\"text-[10px] font-extrabold px-3 py-1 bg-[#EDF7ED] text-[#2E6A4E] rounded-full uppercase tracking-wider\">\n Excellent\n <\/span>\n <\/div>\n\n \n <div class=\"py-1 flex items-center justify-between\">\n <div class=\"flex items-center gap-2.5\">\n <span class=\"w-2.5 h-2.5 rounded-full bg-[#DE3820]\"><\/span>\n <span class=\"font-normal text-[#1A1A18] text-sm\">Asset<\/span>\n <\/div>\n <span class=\"text-[10px] font-extrabold px-3 py-1 bg-[#FDEAEA] text-[#DE3820] rounded-full uppercase tracking-wider\">\n Critical\n <\/span>\n <\/div>\n\n \n <div class=\"py-1 flex items-center justify-between\">\n <div class=\"flex items-center gap-2.5\">\n <span class=\"w-2.5 h-2.5 rounded-full bg-[#2A5DF2]\"><\/span>\n <span class=\"font-normal text-[#1A1A18] text-sm\">Income<\/span>\n <\/div>\n <span class=\"text-[10px] font-extrabold px-3 py-1 bg-[#EBF3FF] text-[#2A5DF2] rounded-full uppercase tracking-wider\">\n Good\n <\/span>\n <\/div>\n\n <\/div>\n\n \n <div class=\"bg-[#FFF5F5] border border-[#FDE0E0] rounded-2xl p-4 space-y-3 text-left\">\n <div class=\"flex items-center gap-2 text-[#D23F3A] font-extrabold text-xs sm:text-[13px] tracking-tight\">\n \n <svg class=\"w-4 h-4 text-[#D23F3A]\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2.5\"><circle cx=\"12\" cy=\"12\" r=\"10\"><\/circle><polyline points=\"12 6 12 12 16 14\"><\/polyline><\/svg>\n <span>Every month you delay, the gap widens<\/span>\n <\/div>\n \n <p class=\"text-[11.5px] text-[#5C5C57] leading-relaxed\">\n Optimise now to invest an additional <strong class=\"text-[#1A1A18] font-extrabold\">$2,325 each month<\/strong>. Cost of inaction at 7% historical return:\n <\/p>\n\n <div class=\"grid grid-cols-3 gap-2\">\n \n <div class=\"bg-[#FFFDFD] border border-[#FAD2D2] rounded-xl p-2.5 flex flex-col items-center justify-center text-center\">\n <span class=\"text-base font-bold text-[#D23F3A] leading-none\">$28.8K<\/span>\n <span class=\"text-[9px] font-bold text-[#9C9C93] tracking-wide mt-1.5 uppercase leading-none\">1 Year<\/span>\n <\/div>\n \n <div class=\"bg-[#FFFDFD] border border-[#FAD2D2] rounded-xl p-2.5 flex flex-col items-center justify-center text-center\">\n <span class=\"text-base font-bold text-[#D23F3A] leading-none\">$402K<\/span>\n <span class=\"text-[9px] font-bold text-[#9C9C93] tracking-wide mt-1.5 uppercase leading-none\">10 Years<\/span>\n <\/div>\n \n <div class=\"bg-[#FFFDFD] border border-[#FAD2D2] rounded-xl p-2.5 flex flex-col items-center justify-center text-center\">\n <span class=\"text-base font-bold text-[#D23F3A] leading-none\">$2.84M<\/span>\n <span class=\"text-[9px] font-bold text-[#9C9C93] tracking-wide mt-1.5 uppercase leading-none\">30 Years<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pt-2 flex justify-end\">\n <button\n type=\"button\"\n onclick=\"toggleScoreView('full')\"\n class=\"flex items-center gap-1.5 text-[10px] font-extrabold uppercase tracking-wider text-[#C8924A] hover:opacity-80 transition-opacity cursor-pointer py-1 bg-transparent border-0\"\n >\n View Full Diagnostic <svg class=\"w-3.5 h-3.5 ml-1 inline-block align-middle\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2.5\"><polyline points=\"9 18 15 12 9 6\"><\/polyline><\/svg>\n <\/button>\n <\/div>\n <\/div>\n\n \n <div id=\"html-score-full-view\" class=\"bg-white border border-[#E5E1D8] rounded-2xl p-6 w-full max-w-[385px] shadow-sm space-y-5 font-sans text-left hidden\">\n \n <div class=\"space-y-1\">\n <span class=\"text-[10px] font-extrabold text-[#9C9C93] uppercase tracking-wider block text-left\">\n YOUR FULL FINANCIAL DIAGNOSTIC\n <\/span>\n <h3 class=\"text-2xl text-[#1A1A18] tracking-tight leading-tight pt-1 font-serif\">\n What’s inside your report\n <\/h3>\n <p class=\"text-[12px] sm:text-[13px] text-[#6B6B62] leading-normal\">\n The full checkup unlocks 6 deeper diagnostics with your personalised action plan.\n <\/p>\n <\/div>\n\n \n <div class=\"space-y-4 pt-1\">\n \n \n <div class=\"flex items-start justify-between gap-3\">\n <div class=\"flex items-start gap-3\">\n <div class=\"w-10 h-10 rounded-xl bg-[#FFF5F5] border border-[#FFF0F0] flex items-center justify-center shrink-0\">\n <svg class=\"w-5 h-5 text-[#D23F3A]\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M15 12a3 3 0 11-6 0 3 3 0 016 0z\"\/><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M2.458 12C3.732 7.943 7.523 5 12 5c4.478 0 8.268 2.943 9.542 7-1.274 4.057-5.064 7-9.542 7-4.477 0-8.268-2.943-9.542-7z\"\/><\/svg>\n <\/div>\n <div class=\"space-y-0.5 text-left\">\n <p class=\"text-[13px] font-bold text-[#1A1A18] leading-tight\">Wealth at 60<\/p>\n <p class=\"text-[11.5px] text-[#6B6B62] leading-snug\">\n Projected future value vs. your lifestyle and home targets \u2014 both tests failing.\n <\/p>\n <\/div>\n <\/div>\n <span class=\"text-[9px] font-extrabold px-2.5 py-1 bg-[#FFF0F0] text-[#D23F3A] rounded-full uppercase tracking-wider shrink-0 mt-0.5\">\n Critical\n <\/span>\n <\/div>\n\n \n <div class=\"flex items-start justify-between gap-3\">\n <div class=\"flex items-start gap-3\">\n <div class=\"w-10 h-10 rounded-xl bg-[#FFF8EE] border border-[#FFF3E3] flex items-center justify-center shrink-0\">\n <svg class=\"w-5 h-5 text-[#C27A25]\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M9 19v-6a2 2 0 00-2-2H5a2 2 0 00-2 2v6a2 2 0 002 2h2a2 2 0 002-2m0 0V9a2 2 0 012-2h2a2 2 0 012 2v10m-6 0a2 2 0 002 2h2a2 2 0 002-2m0 0V5a2 2 0 012-2h2a2 2 0 012 2v14a2 2 0 01-2 2h-2a2 2 0 01-2-2z\"\/><\/svg>\n <\/div>\n <div class=\"space-y-0.5 text-left\">\n <p class=\"text-[13px] font-bold text-[#1A1A18] leading-tight\">Wealth Vitals<\/p>\n <p class=\"text-[11.5px] text-[#6B6B62] leading-snug\">\n Expense, debt, income & asset ratios benchmarked against financial health targets.\n <\/p>\n <\/div>\n <\/div>\n <span class=\"text-[9px] font-extrabold px-2.5 py-1 bg-[#FFF4E4] text-[#C27A25] rounded-full uppercase tracking-wider shrink-0 mt-0.5\">\n Vulnerable\n <\/span>\n <\/div>\n\n \n <div class=\"flex items-start justify-between gap-3 opacity-65\">\n <div class=\"flex items-start gap-3\">\n <div class=\"w-10 h-10 rounded-xl bg-[#F5F3EF] flex items-center justify-center shrink-0\">\n <svg class=\"w-5 h-5 text-gray-400\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M9 12l2 2 4-4m5.618-4.016A11.955 11.955 0 0112 2.944a11.955 11.955 0 01-8.618 3.04A12.02 12.02 0 003 9c0 5.591 3.824 10.29 9 11.622 5.176-1.332 9-6.03 9-11.622 0-1.042-.133-2.052-.382-3.016z\"\/><\/svg>\n <\/div>\n <div class=\"space-y-0.5 text-left\">\n <p class=\"text-[13px] font-semibold text-[#6B6B62] leading-tight\">Layoff Shield<\/p>\n <p class=\"text-[11px] text-[#9B9B94] leading-snug\">\n How long you’d survive a job loss. Your resilience age revealed.\n <\/p>\n <\/div>\n <\/div>\n <svg class=\"w-3.5 h-3.5 text-gray-400 shrink-0 mt-1\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2\"><rect x=\"3\" y=\"11\" width=\"18\" height=\"11\" rx=\"2\" ry=\"2\"><\/rect><path d=\"M7 11V7a5 5 0 0110 0v4\"><\/path><\/svg>\n <\/div>\n\n \n <div class=\"flex items-start justify-between gap-3 opacity-65\">\n <div class=\"flex items-start gap-3\">\n <div class=\"w-10 h-10 rounded-xl bg-[#F5F3EF] flex items-center justify-center shrink-0\">\n <svg class=\"w-5 h-5 text-gray-400\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><circle cx=\"12\" cy=\"12\" r=\"6\"\/><circle cx=\"12\" cy=\"12\" r=\"2\"\/><\/svg>\n <\/div>\n <div class=\"space-y-0.5 text-left\">\n <p class=\"text-[13px] font-semibold text-[#6B6B62] leading-tight\">Event Reality Check<\/p>\n <p class=\"text-[11px] text-[#9B9B94] leading-snug\">\n Wedding, proposal, or major purchase \u2014 affordability gauge + opportunity cost.\n <\/p>\n <\/div>\n <\/div>\n <svg class=\"w-3.5 h-3.5 text-gray-400 shrink-0 mt-1\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2\"><rect x=\"3\" y=\"11\" width=\"18\" height=\"11\" rx=\"2\" ry=\"2\"><\/rect><path d=\"M7 11V7a5 5 0 0110 0v4\"><\/path><\/svg>\n <\/div>\n\n \n <div class=\"flex items-start justify-between gap-3 opacity-65\">\n <div class=\"flex items-start gap-3\">\n <div class=\"w-10 h-10 rounded-xl bg-[#F5F3EF] flex items-center justify-center shrink-0\">\n <svg class=\"w-5 h-5 text-gray-400\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M12 8c-1.657 0-3 .895-3 2s1.343 2 3 2 3 .895 3 2-1.343 2-3 2m0-8c1.11 0 2.08.402 2.599 1M12 8V7m0 1v8m0 0v1m0-1c-1.11 0-2.08-.402-2.599-1M21 12a9 9 0 11-18 0 9 9 0 0118 0z\"\/><\/svg>\n <\/div>\n <div class=\"space-y-0.5 text-left\">\n <p class=\"text-[13px] font-semibold text-[#6B6B62] leading-tight\">Spending Analysis<\/p>\n <p class=\"text-[11px] text-[#9B9B94] leading-snug\">\n Category-by-category breakdown with personalised targets.\n <\/p>\n <\/div>\n <\/div>\n <svg class=\"w-3.5 h-3.5 text-gray-400 shrink-0 mt-1\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2\"><rect x=\"3\" y=\"11\" width=\"18\" height=\"11\" rx=\"2\" ry=\"2\"><\/rect><path d=\"M7 11V7a5 5 0 0110 0v4\"><\/path><\/svg>\n <\/div>\n\n \n <div class=\"flex items-start justify-between gap-3 opacity-65\">\n <div class=\"flex items-start gap-3\">\n <div class=\"w-10 h-10 rounded-xl bg-[#F5F3EF] flex items-center justify-center shrink-0\">\n <svg class=\"w-5 h-5 text-gray-400\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2\"><path stroke-linecap=\"round\" stroke-linejoin=\"round\" d=\"M12 19l9 2-9-18-9 18 9-2zm0 0v-8\"\/><\/svg>\n <\/div>\n <div class=\"space-y-0.5 text-left\">\n <p class=\"text-[13px] font-semibold text-[#6B6B62] leading-tight\">Wealth Roadmap<\/p>\n <p class=\"text-[11px] text-[#9B9B94] leading-snug\">\n Your 5-phase journey from Foundation to Abundance \u2014 with your current stage.\n <\/p>\n <\/div>\n <\/div>\n <svg class=\"w-3.5 h-3.5 text-gray-400 shrink-0 mt-1\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2\"><rect x=\"3\" y=\"11\" width=\"18\" height=\"11\" rx=\"2\" ry=\"2\"><\/rect><path d=\"M7 11V7a5 5 0 0110 0v4\"><\/path><\/svg>\n <\/div>\n\n <\/div>\n\n \n <div class=\"pt-3 flex justify-between items-center border-t border-[#E5E1D8]\/30\">\n <button\n type=\"button\"\n onclick=\"toggleScoreView('free')\"\n class=\"flex items-center gap-1.5 text-[10px] font-extrabold uppercase tracking-wider text-[#C8924A] hover:opacity-80 transition-opacity cursor-pointer py-1 bg-transparent border-0\"\n >\n <svg class=\"w-3.5 h-3.5 mr-1 inline-block align-middle\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2.5\"><polyline points=\"15 18 9 12 15 6\"><\/polyline><\/svg> Back to Score\n <\/button>\n <a\n href=\"https:\/\/firight.com\/checkup?focus=solo\"\n target=\"_blank\"\n rel=\"noopener noreferrer\"\n class=\"flex items-center gap-1.5 text-[10px] font-extrabold uppercase tracking-wider text-[#C8924A] hover:opacity-80 transition-opacity cursor-pointer py-1 bg-transparent border-0 no-underline\"\n >\n Start Checkup <svg class=\"w-3.5 h-3.5 ml-1 inline-block align-middle\" fill=\"none\" stroke=\"currentColor\" viewBox=\"0 0 24 24\" stroke-width=\"2.5\"><polyline points=\"9 18 15 12 9 6\"><\/polyline><\/svg>\n <\/a>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section id=\"employers-section\" class=\"grid grid-cols-1 md:grid-cols-2 border-b border-[#E5E1D8] items-stretch\">\n \n <div class=\"bg-[#F5F3EF] p-6 md:p-14 flex items-center justify-center order-2 md:order-1 border-r border-[#E5E1D8]\/60\">\n <div class=\"bg-white border border-[#E5E1D8] rounded-2xl p-6 w-full max-w-[385px] shadow-sm space-y-6\">\n <div class=\"flex items-center justify-between\">\n <div>\n <span id=\"html-calc-title\" class=\"text-[9px] font-extrabold text-[#9B9B94] uppercase tracking-widest block\">Financial Stress Impact Calculator<\/span>\n <\/div>\n <\/div>\n\n \n <div id=\"html-calculator-view\" class=\"space-y-6\">\n <div class=\"space-y-4\">\n \n <div class=\"space-y-1\">\n <div class=\"flex justify-between items-center text-xs\">\n <span class=\"font-bold text-[#1A1A18]\">Total Employees<\/span>\n <span id=\"slider-emp-val\" class=\"font-mono bg-[#F5F3EF] px-2 py-0.5 rounded font-black text-xs text-[#1A1A18]\">150<\/span>\n <\/div>\n <input id=\"slider-emp\" max=\"1500\" min=\"10\" oninput=\"runSalaryCalculator()\" step=\"10\" type=\"range\" value=\"150\" class=\"w-full accent-[#C8924A] cursor-pointer h-1.5 rounded-full bg-gray-200\"\/>\n <\/div>\n <div class=\"space-y-1\">\n <div class=\"flex justify-between items-center text-xs\">\n <span class=\"font-bold text-[#1A1A18]\">Avg. Team Salary<\/span>\n <span id=\"slider-salary-val\" class=\"font-mono bg-[#F5F3EF] px-2 py-0.5 rounded font-black text-xs text-[#1A1A18]\">$75,000\/yr<\/span>\n <\/div>\n <input id=\"slider-salary\" max=\"180000\" min=\"30000\" oninput=\"runSalaryCalculator()\" step=\"5000\" type=\"range\" value=\"75000\" class=\"w-full accent-[#C8924A] cursor-pointer h-1.5 rounded-full bg-gray-200\"\/>\n <\/div>\n <div class=\"space-y-1\">\n <div class=\"flex justify-between items-center text-xs\">\n <span class=\"font-bold text-[#1A1A18]\">Est. Stressed Employees<\/span>\n <span id=\"slider-stress-val\" class=\"font-mono bg-[#F5F3EF] px-2 py-0.5 rounded font-black text-xs text-[#1A1A18]\">78%<\/span>\n <\/div>\n <input id=\"slider-stress\" max=\"100\" min=\"10\" oninput=\"runSalaryCalculator()\" step=\"2\" type=\"range\" value=\"78\" class=\"w-full accent-[#C8924A] cursor-pointer h-1.5 rounded-full bg-gray-200\"\/>\n <\/div>\n <\/div>\n\n <div class=\"bg-[#F5F3EF] rounded-xl p-4 border border-[#E5E1D8] space-y-4 text-xs\">\n <div class=\"grid grid-cols-2 gap-3\">\n <div class=\"bg-white p-3 rounded-lg border border-[#E5E1D8]\">\n <span class=\"text-[9px] font-bold text-[#9B9B94] block uppercase\">Anxious Staff<\/span>\n <span id=\"calc-stressed-count\" class=\"text-lg font-bold text-[#1A1A18]\">117<\/span>\n <\/div>\n <div class=\"bg-white p-3 rounded-lg border border-[#E5E1D8]\">\n <span class=\"text-[9px] font-bold text-[#9B9B94] block uppercase\">Lost Hours<\/span>\n <span id=\"calc-wasted-hours\" class=\"text-lg font-bold text-red-500\">16,848<\/span>\n <\/div>\n <\/div>\n <div class=\"pt-3 border-t border-[#E5E1D8] flex items-center justify-between\">\n <div>\n <span class=\"text-[10px] text-[#9B9B94] uppercase font-bold block\">Annual Productivity Loss<\/span>\n <span id=\"calc-annual-cost\" class=\"text-xl font-bold font-serif text-black\">$631,800<\/span>\n <\/div>\n <div class=\"bg-[#EAF3DE] border border-[#2D6A4F]\/20 p-2 rounded-lg text-right\">\n <span class=\"text-[9px] font-black text-[#2D6A4F] block uppercase\">BienFi Mitigated Savings<\/span>\n <span id=\"calc-savings\" class=\"text-sm font-black font-serif text-[#2D6A4F]\">+$113,724<\/span>\n <\/div>\n <\/div>\n <div class=\"text-[10px] text-[#9B9B94] text-right pt-1 font-semibold tracking-wide uppercase\">\n PwC \/ CFP Benchmarks\n <\/div>\n <\/div>\n\n \n <div class=\"pt-2 flex justify-end\">\n <button type=\"button\" onclick=\"toggleHtmlCalculatorView('dashboard')\" class=\"flex items-center gap-1.5 text-[10px] font-extrabold uppercase tracking-wider text-[#C8924A] hover:opacity-80 transition-opacity cursor-pointer\">\n View Impact Dashboard \u2794\n <\/button>\n <\/div>\n <\/div>\n\n \n <div id=\"html-dashboard-view\" class=\"hidden space-y-4 py-2\">\n <div class=\"divide-y divide-[#E5E1D8]\/60\">\n \n <div class=\"flex items-center justify-between pb-3.5\">\n <div class=\"flex items-center gap-3\">\n <div class=\"w-11 h-11 rounded-2xl bg-[#EAF3DE] flex items-center justify-center shrink-0\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#2D6A4F\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"18\" y1=\"20\" x2=\"18\" y2=\"10\"\/><line x1=\"12\" y1=\"20\" x2=\"12\" y2=\"4\"\/><line x1=\"6\" y1=\"20\" x2=\"6\" y2=\"14\"\/><\/svg>\n <\/div>\n <div class=\"space-y-0.5 text-left\">\n <p class=\"text-xs md:text-sm font-bold text-black leading-tight\">Benefits enrollment<\/p>\n <p class=\"text-[10px] md:text-xs text-[#9B9B94] leading-tight\">\u2191 34% since launch<\/p>\n <\/div>\n <\/div>\n <span class=\"text-xs md:text-sm text-[#2D6A4F] font-bold\">+34%<\/span>\n <\/div>\n\n \n <div class=\"flex items-center justify-between py-3.5\">\n <div class=\"flex items-center gap-3\">\n <div class=\"w-11 h-11 rounded-2xl bg-[#E6F1FB] flex items-center justify-center shrink-0\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#2563EB\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M17 21v-2a4 4 0 0 0-4-4H5a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M23 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg>\n <\/div>\n <div class=\"space-y-0.5 text-left\">\n <p class=\"text-xs md:text-sm font-bold text-black leading-tight\">Checkup completion<\/p>\n <p id=\"html-dash-checkup-desc\" class=\"text-[10px] md:text-xs text-[#9B9B94] leading-tight\">120 of 150 employees<\/p>\n <\/div>\n <\/div>\n <span class=\"text-xs md:text-sm text-black font-bold\">80%<\/span>\n <\/div>\n\n \n <div class=\"flex items-center justify-between py-3.5\">\n <div class=\"flex items-center gap-3\">\n <div class=\"w-11 h-11 rounded-2xl bg-[#FDF3E3] flex items-center justify-center shrink-0\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#C8924A\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><polyline points=\"23 18 13.5 8.5 8.5 13.5 1 6\"\/><polyline points=\"17 18 23 18 23 12\"\/><\/svg>\n <\/div>\n <div class=\"space-y-0.5 text-left\">\n <p class=\"text-xs md:text-sm font-bold text-black leading-tight\">Financial stress index<\/p>\n <p class=\"text-[10px] md:text-xs text-[#9B9B94] leading-tight\">\u2193 18% vs last quarter<\/p>\n <\/div>\n <\/div>\n <span class=\"text-xs md:text-sm text-[#2D6A4F] font-bold\">\u2193 18%<\/span>\n <\/div>\n\n \n <div class=\"flex items-center justify-between pt-3.5\">\n <div class=\"flex items-center gap-3\">\n <div class=\"w-11 h-11 rounded-2xl bg-[#F3F4F6] flex items-center justify-center shrink-0\">\n <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#9B9B94\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect x=\"3\" y=\"11\" width=\"18\" height=\"11\" rx=\"2\" ry=\"2\"\/><path d=\"M7 11V7a5 5 0 0 1 10 0v4\"\/><\/svg>\n <\/div>\n <div class=\"space-y-0.5 text-left\">\n <p class=\"text-xs md:text-sm font-bold text-black leading-tight\">All data anonymised<\/p>\n <p class=\"text-[10px] md:text-xs text-[#9B9B94] leading-tight\">No individual data exposed<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pt-2 flex justify-start\">\n <button type=\"button\" onclick=\"toggleHtmlCalculatorView('calculator')\" class=\"flex items-center gap-1.5 text-[10px] font-extrabold uppercase tracking-wider text-[#C8924A] hover:opacity-80 transition-opacity cursor-pointer\">\n \u2190 Back to Stress Calculator\n <\/button>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n \n <div class=\"py-16 md:py-24 px-6 md:pr-20 md:pl-16 flex flex-col justify-center space-y-5 bg-white order-1 md:order-2\">\n <span class=\"text-[10px] font-bold text-[#C8924A] uppercase tracking-[0.2em] block\">For employers<\/span>\n <h2 class=\"font-headline-md text-3xl md:text-4xl text-[#1A1A18] leading-tight\">\n Build a <span class=\"italic-moment text-[#6B6B62]\">financially bien<\/span> team\n <\/h2>\n <p class=\"text-[14px] md:text-[15px] text-[#6B6B62] leading-[1.75] max-w-[440px]\">\n 78% of employees say finances are a distraction at work. BienFi helps employers review company benefits, offer private financial health checkups, provide tailored solutions, and deliver anonymized progress summaries. Left unchecked, employee financial stress hurts company culture, increases turnover, drives up healthcare expenditures, dents productivity, and reduces profitability.\n <\/p>\n <div class=\"pt-2\">\n <button onclick=\"alert('Demo setup sequence initiated. High-level team alignment schedules will be messaged shortly.')\" class=\"w-full sm:w-auto text-center bg-[#FDF3E3] hover:bg-[#C8924A]\/25 border border-[#E8C49A] text-[#C8924A] text-xs font-black py-3 px-6 rounded-xl transition-all\">\n Book a Free Team Demo \u2794\n <\/button>\n <span class=\"text-[10px] text-[#9B9B94] block mt-2\">\n 30 minutes \u00b7 No commitment \u00b7 Ready for teams of 10 to 5,000+\n <\/span>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section id=\"students-section\" class=\"grid grid-cols-1 md:grid-cols-2 border-b border-[#E5E1D8] items-stretch\">\n \n <div class=\"py-16 md:py-24 px-6 md:pl-20 md:pr-16 flex flex-col justify-center space-y-5 bg-white\">\n <span class=\"text-[10px] font-bold text-[#4A7FA5] uppercase tracking-[0.2em] block\">For students<\/span>\n <h2 class=\"font-headline-md text-3xl md:text-4xl text-[#1A1A18] leading-tight\">\n Start your career <span class=\"italic-moment text-[#6B6B62]\">financially bien<\/span>\n <\/h2>\n <p class=\"text-[14px] md:text-[15px] text-[#6B6B62] leading-[1.75] max-w-[440px]\">\n Don’t wait until you’re 45 and regret it. BienFi reviews your student and employment benefits, then guides you through building a solid financial foundation\u2014smart spending, clearing debt, and growing wealth.\n <\/p>\n <\/div>\n \n <div class=\"bg-[#F5F3EF] p-6 md:p-14 flex items-center justify-center min-h-[360px] border-l border-[#E5E1D8]\/60\">\n <div id=\"student-portal-unlocked\" class=\"bg-white border border-[#E5E1D8] rounded-2xl p-6 w-full max-w-[385px] shadow-sm space-y-5\">\n <div class=\"flex items-center justify-between border-b border-[#E5E1D8] pb-3\">\n <span class=\"text-[10px] font-bold text-[#9B9B94] block uppercase\">Financial Foundation Plan<\/span>\n <span class=\"bg-[#E6F1FB] text-[#4A7FA5] text-[9px] uppercase font-bold px-2 py-0.5 rounded\">Active<\/span>\n <\/div>\n \n <div class=\"space-y-4 text-xs font-medium text-[#1A1A18]\">\n <div>\n <div class=\"flex justify-between items-center mb-1 text-[11px]\">\n <span>Student Subsidies \/ Benefits<\/span>\n <span class=\"text-[#2D6A4F] font-bold\">100% Completed<\/span>\n <\/div>\n <div class=\"w-full h-1.5 bg-gray-200 rounded-full overflow-hidden\">\n <div class=\"h-full bg-[#2D6A4F]\" style=\"width: 100%\"><\/div>\n <\/div>\n <\/div>\n <div>\n <div class=\"flex justify-between items-center mb-1 text-[11px]\">\n <span>Part-time Allowances \/ match<\/span>\n <span class=\"text-[#2D6A4F] font-bold\">100% Completed<\/span>\n <\/div>\n <div class=\"w-full h-1.5 bg-gray-200 rounded-full overflow-hidden\">\n <div class=\"h-full bg-[#2D6A4F]\" style=\"width: 100%\"><\/div>\n <\/div>\n <\/div>\n <div>\n <div class=\"flex justify-between items-center mb-1 text-[11px]\">\n <span>Emergency Cash cushion<\/span>\n <span id=\"student-mock-em-txt\" class=\"text-[#C8924A] font-bold\">52% In progress<\/span>\n <\/div>\n <div class=\"w-full h-1.5 bg-gray-200 rounded-full overflow-hidden\">\n <div id=\"student-mock-em-bar\" class=\"h-full bg-[#C8924A] transition-all duration-300\" style=\"width: 52%\"><\/div>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"space-y-2 pt-2\">\n <span class=\"text-[9px] font-bold text-[#9B9B94] uppercase tracking-wide block\">SIMULATE STEPS<\/span>\n <button onclick=\"boostStudentEmergency()\" class=\"w-full text-left p-3 rounded-lg border border-[#E5E1D8] hover:border-[#6B6B62] bg-[#F5F3EF] flex items-center justify-between font-bold text-xs\">\n <div>\n <p class-[#1A1A18]>Set continuous $15 swipe sweep buffer<\/p>\n <p class=\"text-[10px] text-[#6B6B62] font-normal\">Saves spare changes into secure HYSA accounts<\/p>\n <\/div>\n <span class=\"text-[#C8924A] whitespace-nowrap bg-white border border-[#C8924A]\/20 px-2 py-0.5 rounded\">+12% Cash<\/span>\n <\/button>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section class=\"grid grid-cols-1 md:grid-cols-3 border-b border-[#E5E1D8] divide-y md:divide-y-0 md:divide-x divide-[#E5E1D8] bg-white\">\n <div class=\"py-10 px-8 flex flex-col justify-center space-y-2 text-center md:text-left\">\n <span class=\"font-headline-lg text-4xl text-black\">9 in 10<\/span>\n <p class=\"text-[13px] text-[#6B6B62]\">people aged 45-60 regret delaying foundational wealth roadmap checks.<\/p>\n <span class=\"text-[9px] font-bold text-[#9B9B94] uppercase tracking-widest pt-1\">CFP Board Survey<\/span>\n <\/div>\n <div class=\"py-10 px-8 flex flex-col justify-center space-y-2 text-center md:text-left\">\n <span class=\"font-headline-lg text-4xl text-black\">92%<\/span>\n <p class=\"text-[13px] text-[#6B6B62]\">of active retirees report underestimating healthcare structures.<\/p>\n <span class=\"text-[9px] font-bold text-[#9B9B94] uppercase tracking-widest pt-1\">Clever Retirement Analysis<\/span>\n <\/div>\n <div class=\"py-10 px-8 flex flex-col justify-center space-y-2 text-center md:text-left\">\n <span class=\"font-headline-lg text-4xl text-black\">78%<\/span>\n <p class=\"text-[13px] text-[#6B6B62]\">of employees state structural cash worries directly compromise workspace productivity.<\/p>\n <span class=\"text-[9px] font-bold text-[#9B9B94] uppercase tracking-widest pt-1\">PwC Corporate Review<\/span>\n <\/div>\n <\/section>\n\n \n <section class=\"py-16 md:py-24 px-6 md:px-12 border-b border-[#E5E1D8] bg-white\">\n <div class=\"max-w-5xl mx-auto flex flex-col lg:flex-row gap-12 items-start justify-between\">\n <div class=\"flex-1 space-y-6\">\n <div class=\"flex items-center gap-4\">\n <div class=\"w-14 h-14 bg-[#E6F1FB] border border-[#E5E1D8] rounded-full flex items-center justify-center shrink-0\">\n <span class=\"text-sm font-bold text-[#4A7FA5]\">LN<\/span>\n <\/div>\n <div>\n <span class=\"text-[10px] uppercase font-bold text-[#9B9B94] block uppercase\">Meet your strategy guide<\/span>\n <h3 class=\"font-headline-md text-2xl text-black font-semibold\">Linh Nguyen<\/h3>\n <\/div>\n <\/div>\n <h2 class=\"font-headline-md text-3xl md:text-4xl text-[#1A1A18]\">\n Not a <span class=\"italic-moment text-[#6B6B62]\">robot<\/span>. Not a sales pitch.\n <\/h2>\n <p class=\"text-[14px] md:text-[15px] text-[#6B6B62] leading-[1.8] max-w-xl\">\n Linh Nguyen is an experienced CPA and Masters of Finance who previously formulated strategic risk resilience solutions for governments. She applied that identical model to secure solid baseline security. BienFi translates that zero-commission math onto your accounts.\n <\/p>\n <div class=\"flex flex-wrap gap-2\">\n <span class=\"px-3.5 py-1.5 bg-[#F5F3EF] border border-[#E5E1D8] rounded-full text-[10px] text-[#6B6B62] font-bold uppercase tracking-wider\">\u2713 CPA Standard<\/span>\n <span class=\"px-3.5 py-1.5 bg-[#F5F3EF] border border-[#E5E1D8] rounded-full text-[10px] text-[#6B6B62] font-bold uppercase tracking-wider\">\u2713 Master of Finance<\/span>\n <span class=\"px-3.5 py-1.5 bg-[#F5F3EF] border border-[#E5E1D8] rounded-full text-[10px] text-[#6B6B62] font-bold uppercase tracking-wider\">\u2713 Zero Commissions<\/span>\n <\/div>\n <\/div>\n\n \n <div class=\"w-full lg:w-auto shrink-0\">\n <div class=\"bg-[#F5F3EF] border border-[#E5E1D8] rounded-2xl p-5 w-full max-w-md shadow-sm space-y-5 text-xs\">\n <div class=\"flex justify-between items-center text-[10px] uppercase font-bold text-[#9B9B94] tracking-wider\">\n <span>Strategy advice topics<\/span>\n <span class=\"text-[#2D6A4F] bg-[#EAF3DE] px-1.5 py-0.5 rounded uppercase\">CPA Active<\/span>\n <\/div>\n <div class=\"flex flex-wrap gap-1.5\">\n <button onclick=\"switchAdviceTopic(0)\" id=\"advice-tab-0\" class=\"advice-tab-btn font-bold py-1.5 px-3 rounded-lg border bg-[#1A1A18] text-white border-[#1A1A18]\">Sovereign Models<\/button>\n <button onclick=\"switchAdviceTopic(1)\" id=\"advice-tab-1\" class=\"advice-tab-btn font-bold py-1.5 px-3 rounded-lg border bg-white text-[#6B6B62] border-[#E5E1D8] hover:border-[#6B6B62]\">Why Fee-Only?<\/button>\n <button onclick=\"switchAdviceTopic(2)\" id=\"advice-tab-2\" class=\"advice-tab-btn font-bold py-1.5 px-3 rounded-lg border bg-white text-[#6B6B62] border-[#E5E1D8] hover:border-[#6B6B62]\">HSA Value<\/button>\n <\/div>\n\n <div class=\"bg-white border border-[#E5E1D8] p-4 rounded-xl space-y-3 min-h-[140px] relative\">\n <p id=\"advice-quote\" class=\"text-xs text-[#6B6B62] italic leading-relaxed\">\n “Governments secure liquid reserves to survive macro credit freezes. You have to establish an identical buffer of three months minimum before looking at risk-on options.”\n <\/p>\n <p id=\"advice-subtitle\" class=\"text-[10px] text-[#9B9B94] border-t border-[#F5F3EF] pt-2.5 flex justify-between font-bold\">\n <span>Sovereign balance models<\/span>\n <span>Fee-Only CPA Guideline<\/span>\n <\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section class=\"py-20 text-center bg-white border-b border-[#E5E1D8]\">\n <div class=\"max-w-md mx-auto space-y-5 px-6\">\n <span class=\"text-[10px] font-bold text-[#9B9B94] uppercase tracking-widest block\">Ready to start?<\/span>\n <h2 class=\"font-headline-md text-3xl md:text-4xl text-black\">\n Know your <span class=\"italic-moment text-[#6B6B62]\">financial baseline<\/span>\n <\/h2>\n <p class=\"text-sm text-[#6B6B62] leading-relaxed max-w-xs mx-auto\">\n Like a physical medical checkup \u2014 evaluate your baseline parameters to survive macro friction.\n <\/p>\n <div class=\"pt-4 flex flex-col items-center\">\n <button onclick=\"openCheckupModal()\" class=\"bg-[#1A1A18] text-white font-bold text-xs sm:text-sm px-8 py-4 rounded-lg hover:opacity-95 transition-all shadow-md\">\n Get My Free Score \u2794\n <\/button>\n <span class=\"text-[11px] text-[#9B9B94] block mt-3\">Free Score \u00b7 Full Checkup $97 \u00b7 100% Private & Unbiased<\/span>\n <\/div>\n <\/div>\n <\/section>\n\n<\/div>\n\n<script>\n \/\/ ________________________________ CALCULATORS & UI SCRIPTS ________________________________\n \n \/\/ Sliders & outputs references\n function runSalaryCalculator() {\n const amtEmp = parseInt(document.getElementById(\"slider-emp\").value);\n const amtSalary = parseInt(document.getElementById(\"slider-salary\").value);\n const amtStress = parseInt(document.getElementById(\"slider-stress\").value);\n\n \/\/ Update labels\n document.getElementById(\"slider-emp-val\").innerText = amtEmp;\n document.getElementById(\"slider-salary-val\").innerText = \"$\" + amtSalary.toLocaleString() + \"\/yr\";\n document.getElementById(\"slider-stress-val\").innerText = amtStress + \"%\";\n\n \/\/ Calculations\n const stressedCount = Math.round(amtEmp * (amtStress \/ 100));\n const ratePerHour = amtSalary \/ 2000;\n const totalWastedHours = stressedCount * 3 * 48; \/\/ 3 hours\/wk, 48 active weeks\n const lostCost = Math.round(totalWastedHours * ratePerHour);\n const directSavings = Math.round(lostCost * 0.18);\n\n \/\/ Out to tags\n document.getElementById(\"calc-stressed-count\").innerText = stressedCount;\n document.getElementById(\"calc-wasted-hours\").innerText = totalWastedHours.toLocaleString();\n document.getElementById(\"calc-annual-cost\").innerText = \"$\" + lostCost.toLocaleString();\n document.getElementById(\"calc-savings\").innerText = \"+$\" + directSavings.toLocaleString();\n\n \/\/ Dashboard Metrics update\n const checkupCompleted = Math.round(amtEmp * 0.8);\n document.getElementById(\"html-dash-checkup-desc\").innerText = checkupCompleted + \" of \" + amtEmp + \" employees\";\n }\n\n function toggleHtmlCalculatorView(view) {\n const titleEl = document.getElementById(\"html-calc-title\");\n const calcView = document.getElementById(\"html-calculator-view\");\n const dashView = document.getElementById(\"html-dashboard-view\");\n \n if (view === 'dashboard') {\n titleEl.innerText = \"Team Financial Wellness Dashboard\";\n calcView.classList.add(\"hidden\");\n dashView.classList.remove(\"hidden\");\n } else {\n titleEl.innerText = \"Financial Stress Impact Calculator\";\n calcView.classList.remove(\"hidden\");\n dashView.classList.add(\"hidden\");\n }\n }\n\n function toggleScoreView(view) {\n const freeView = document.getElementById(\"html-score-free-view\");\n const fullView = document.getElementById(\"html-score-full-view\");\n if (view === 'full') {\n freeView.classList.add(\"hidden\");\n fullView.classList.remove(\"hidden\");\n } else {\n freeView.classList.remove(\"hidden\");\n fullView.classList.add(\"hidden\");\n }\n }\n\n \/\/ Advice topic switches\n const adviceList = [\n {\n q: \"Governments secure liquid cash buffers to survive severe credit freezes. Your household should establish an identical baseline cushion of three months of cash before targeting riskier investment options.\",\n label: \"Sovereign balance models\"\n },\n {\n q: \"Traditional sales commission models force 'advisors' to advocate for high-fee funds or loaded life policies. Independent fee-only models alignments strictly direct strategy strictly for your maximum bank balance.\",\n label: \"Why Fee-Only?\"\n },\n {\n q: \"HSA accounts carry extreme tax advantage: Pre-tax contributions reduces physical gross income. All capital growth compounds taxes-free. Health expenditures withdrawals escape 100% taxes. Maximize it.\",\n label: \"HSA Value Advantage\"\n }\n ];\n\n function switchAdviceTopic(idx) {\n document.querySelectorAll(\".advice-tab-btn\").forEach(btn => {\n btn.classList.add(\"bg-white\", \"text-[#6B6B62]\", \"border-[#E5E1D8]\");\n btn.classList.remove(\"bg-[#1A1A18]\", \"text-white\", \"border-[#1A1A18]\");\n });\n\n const activeBtn = document.getElementById(\"advice-tab-\" + idx);\n if (activeBtn) {\n activeBtn.classList.remove(\"bg-white\", \"text-[#6B6B62]\", \"border-[#E5E1D8]\");\n activeBtn.classList.add(\"bg-[#1A1A18]\", \"text-white\", \"border-[#1A1A18]\");\n }\n\n document.getElementById(\"advice-quote\").innerText = '\"' + adviceList[idx].q + '\"';\n document.getElementById(\"advice-subtitle\").firstElementChild.innerText = adviceList[idx].label;\n }\n\n \/\/ Student interaction\n let emPct = 52;\n function boostStudentEmergency() {\n if(emPct >= 100) return;\n emPct = Math.min(100, emPct + 12);\n document.getElementById(\"student-mock-em-txt\").innerText = emPct + \"% \" + (emPct === 100 ? \"Secured\" : \"In progress\");\n document.getElementById(\"student-mock-em-bar\").style.width = emPct + \"%\";\n if(emPct === 100) {\n alert(\"Congratulations! You have setup a solid student safety reserve framework.\");\n }\n }\n\n\n \/\/ ________________________________ MULTI-STEP MODAL STATE CONTROLLER ________________________________\n function openCheckupModal() {\n window.open(\"https:\/\/firight.com\/checkup?focus=solo\", \"_blank\", \"noopener,noreferrer\");\n }\n\n function closeCheckupModal() {\n }\n\n \/\/ Init page calculator values\n runSalaryCalculator();\n<\/script>\n\n<\/body>\n<\/html>\n\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BienFi \u2014 Your Independent Finance Doctor (WordPress HTML Block) BienFi Overview Employees Employers Students Get My Free Score \u2600\ufe0f Live Financially Bien Your independent Finance Doctor Independent financial health checkups for employees and working students. An essential benefit that employers and universities should offer, just like an annual physical. Financial issues are silent, preventable, and […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"class_list":["post-48","page","type-page","status-publish","entry"],"featured_image_src":null,"featured_image_src_square":null,"_links":{"self":[{"href":"https:\/\/bienfi.com\/index.php?rest_route=\/wp\/v2\/pages\/48","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bienfi.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bienfi.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bienfi.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bienfi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=48"}],"version-history":[{"count":21,"href":"https:\/\/bienfi.com\/index.php?rest_route=\/wp\/v2\/pages\/48\/revisions"}],"predecessor-version":[{"id":74,"href":"https:\/\/bienfi.com\/index.php?rest_route=\/wp\/v2\/pages\/48\/revisions\/74"}],"wp:attachment":[{"href":"https:\/\/bienfi.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=48"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}