<style>
/* =========================================================
   FRACTIONAL FM – FULL SITE CODE
   Header + Body Styling + Footer
   Final refined version
   ========================================================= */


/* =========================
   1. BRAND TOKENS
   ========================= */

:root {
    --ffm-text: #262020;
    --ffm-accent: #F2A611;
    --ffm-support: #53C1B5;
    --ffm-highlight: #EB5F43;

    --ffm-white: #ffffff;
    --ffm-bg-soft: #f8f7f5;
    --ffm-bg-muted: #f2ede7;
    --ffm-bg-dark: #262020;

    --ffm-border: rgba(38, 32, 32, 0.10);
    --ffm-border-strong: rgba(38, 32, 32, 0.18);

    --ffm-text-soft: rgba(38, 32, 32, 0.74);
    --ffm-text-faint: rgba(38, 32, 32, 0.56);

    --ffm-white-soft: rgba(255, 255, 255, 0.88);
    --ffm-white-muted: rgba(255, 255, 255, 0.68);

    --ffm-shadow-soft: 0 14px 30px rgba(38, 32, 32, 0.08);
    --ffm-shadow-light: 0 4px 14px rgba(38, 32, 32, 0.06);

    --ffm-radius-sm: 8px;
    --ffm-radius-md: 14px;
    --ffm-radius-lg: 20px;
    --ffm-radius-pill: 999px;

    --ffm-container: 1200px;
    --ffm-transition: 0.22s ease;
}


/* =========================
   2. GLOBAL RESET / BASE
   ========================= */

html {
    scroll-behavior: smooth;
}

body {
    margin: 0 !important;
    padding: 0 !important;
    font-family: "Open Sans", Arial, sans-serif !important;
    color: var(--ffm-text) !important;
    background: var(--ffm-white) !important;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    text-rendering: optimizeLegibility;
    line-height: 1.7 !important;
}

*,
*::before,
*::after {
    box-sizing: border-box;
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

a {
    color: inherit;
    transition: color var(--ffm-transition), opacity var(--ffm-transition), background var(--ffm-transition), border-color var(--ffm-transition), transform var(--ffm-transition);
}

h1, h2, h3, h4, h5, h6 {
    margin-top: 0;
    margin-bottom: 14px;
    font-family: "Open Sans", Arial, sans-serif !important;
    color: var(--ffm-text) !important;
    font-weight: 700 !important;
    line-height: 1.18 !important;
    letter-spacing: -0.01em;
}

h1 {
    font-size: clamp(34px, 5vw, 54px) !important;
    line-height: 1.04 !important;
    letter-spacing: -0.03em !important;
}

h2 {
    font-size: clamp(28px, 4vw, 38px) !important;
}

h3 {
    font-size: clamp(22px, 3vw, 28px) !important;
}

h4 {
    font-size: 20px !important;
}

p, li, span, small, label, input, textarea, select, button {
    font-family: "Open Sans", Arial, sans-serif !important;
}

p {
    margin-top: 0;
    margin-bottom: 16px;
    color: var(--ffm-text-soft) !important;
    font-size: 16px !important;
    line-height: 1.85 !important;
}

ul, ol {
    margin-top: 0;
    margin-bottom: 16px;
}

main,
section,
article,
div {
    font-family: "Open Sans", Arial, sans-serif !important;
}


/* =========================
   3. GENERAL BODY SPACING / TYPOGRAPHY
   ========================= */

main {
    background: var(--ffm-white);
}

main > section,
main > div,
section {
    padding-top: 56px;
    padding-bottom: 56px;
}

main h1,
main h2,
main h3,
section h1,
section h2,
section h3 {
    color: var(--ffm-text) !important;
}

main p,
section p,
article p {
    color: var(--ffm-text-soft) !important;
}

main ul li,
main ol li,
section ul li,
section ol li {
    color: var(--ffm-text-soft) !important;
    font-size: 15.5px !important;
    line-height: 1.85 !important;
    margin-bottom: 6px !important;
}

main p + h2,
main ul + h2,
main p + h3,
main ul + h3 {
    margin-top: 34px !important;
}


/* =========================
   4. GENERIC SECTION HELPERS
   ========================= */

.ffm-container {
    width: min(100% - 40px, var(--ffm-container));
    margin-left: auto;
    margin-right: auto;
}

.ffm-section {
    padding: 64px 0;
}

.ffm-section--soft {
    background: var(--ffm-bg-soft);
}

.ffm-section--muted {
    background: var(--ffm-bg-muted);
}

.ffm-section--dark {
    background: var(--ffm-bg-dark);
    color: var(--ffm-white);
}

.ffm-section--dark h1,
.ffm-section--dark h2,
.ffm-section--dark h3,
.ffm-section--dark h4,
.ffm-section--dark h5,
.ffm-section--dark h6 {
    color: var(--ffm-white) !important;
}

.ffm-section--dark p,
.ffm-section--dark li {
    color: rgba(255, 255, 255, 0.82) !important;
}

.ffm-grid-2 {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 24px;
}

.ffm-grid-3 {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 24px;
}

.ffm-grid-4 {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 24px;
}

.ffm-card {
    background: var(--ffm-white);
    border: 1px solid var(--ffm-border);
    border-radius: var(--ffm-radius-lg);
    box-shadow: var(--ffm-shadow-light);
    padding: 24px;
}


/* =========================
   5. FORMS + BUTTONS
   ========================= */

input[type="text"],
input[type="email"],
input[type="tel"],
input[type="search"],
textarea,
select {
    width: 100%;
    min-height: 46px;
    padding: 12px 14px;
    border: 1px solid var(--ffm-border-strong);
    border-radius: 12px;
    background: var(--ffm-white);
    color: var(--ffm-text);
    font-size: 14px;
    line-height: 1.4;
    box-sizing: border-box;
}

textarea {
    min-height: 120px;
    resize: vertical;
}

button,
input[type="submit"],
input[type="button"],
input[type="reset"],
.ffm-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 46px;
    padding: 0 20px;
    border-radius: var(--ffm-radius-pill);
    border: 1px solid transparent;
    text-decoration: none;
    font-size: 14px;
    font-weight: 700;
    line-height: 1;
    cursor: pointer;
    transition: transform var(--ffm-transition), opacity var(--ffm-transition), background var(--ffm-transition), border-color var(--ffm-transition), color var(--ffm-transition);
}

button,
input[type="submit"],
input[type="button"],
input[type="reset"],
.ffm-btn--primary {
    background: var(--ffm-accent);
    color: var(--ffm-text);
}

button:hover,
input[type="submit"]:hover,
input[type="button"]:hover,
input[type="reset"]:hover,
.ffm-btn--primary:hover,
.ffm-btn--primary:focus {
    opacity: 0.92;
    transform: translateY(-1px);
}

.ffm-btn--secondary {
    background: transparent;
    color: var(--ffm-text);
    border-color: rgba(38, 32, 32, 0.16);
}

.ffm-btn--secondary:hover,
.ffm-btn--secondary:focus {
    background: rgba(242, 166, 17, 0.06);
}


/* =========================
   6. HIDE TEMPLATE / SHOP CLUTTER
   ========================= */

.search,
.search-link,
.wishlist,
.wishlist-link,
.cart,
.cart-link,
.added_to_cart,
.woocommerce-message,
.widget_shopping_cart,
.mini-cart,
.shop-link,
.cart-contents,
.cart-amount,
.woocommerce-notices-wrapper,
.woocommerce-cart {
    display: none !important;
}

a[href*="cart"],
a[href*="checkout"],
a[href*="continue-shopping"],
a[href*="continue_shopping"] {
    display: none !important;
}


/* =========================
   7. HEADER
   ========================= */

.ffm-site-header,
header,
.site-header,
.main-header {
    position: sticky;
    top: 0;
    z-index: 9999;
    background: var(--ffm-bg-muted) !important;
    border-bottom: 1px solid rgba(38, 32, 32, 0.08) !important;
    box-shadow: 0 1px 0 rgba(255, 255, 255, 0.45) inset !important;
}

/* Top utility bar */
.ffm-topbar {
    padding: 4px 0 3px !important;
    border-bottom: 1px solid rgba(38, 32, 32, 0.05) !important;
    background: transparent;
    color: var(--ffm-text-faint);
    font-size: 11px !important;
    font-weight: 600;
    line-height: 1.2 !important;
    letter-spacing: 0.01em;
    opacity: 0.85;
}

.ffm-topbar .ffm-container {
    display: flex;
    justify-content: flex-end;
    align-items: center;
    gap: 10px;
    min-height: 20px !important;
}

.ffm-topbar a {
    color: rgba(38, 32, 32, 0.72) !important;
    text-decoration: none;
    font-weight: 600 !important;
}

.ffm-topbar a:hover,
.ffm-topbar a:focus {
    color: var(--ffm-text) !important;
    opacity: 0.84;
}

/* Main header row */
.ffm-header-inner {
    display: flex;
    align-items: center !important;
    justify-content: space-between;
    gap: 26px !important;
    min-height: 66px !important;
    width: min(100% - 40px, var(--ffm-container));
    margin-left: auto;
    margin-right: auto;
    padding: 6px 0 !important;
}

.ffm-brand {
    flex: 0 0 auto;
    display: inline-flex !important;
    align-items: center !important;
    text-decoration: none;
}

.ffm-brand img {
    width: auto;
    max-height: 46px !important;
}

.ffm-main-nav {
    flex: 1 1 auto;
    display: flex !important;
    align-items: center !important;
}

.ffm-main-nav > ul {
    display: flex;
    align-items: center !important;
    justify-content: center;
    flex-wrap: wrap;
    gap: 14px !important;
    list-style: none;
    margin: 0;
    padding: 0;
}

.ffm-main-nav > ul > li {
    position: relative;
    margin: 0;
    padding: 0;
    display: flex !important;
    align-items: center !important;
}

.ffm-main-nav > ul > li > a {
    position: relative;
    display: inline-flex;
    align-items: center;
    padding: 6px 0 !important;
    color: rgba(38, 32, 32, 0.9) !important;
    text-decoration: none;
    font-size: 12.8px !important;
    font-weight: 700 !important;
    line-height: 1.1 !important;
    letter-spacing: 0.02em !important;
}

.ffm-main-nav > ul > li > a:hover,
.ffm-main-nav > ul > li > a:focus {
    color: #262020 !important;
    opacity: 0.75 !important;
}

.ffm-main-nav > ul > li.current-menu-item > a,
.ffm-main-nav > ul > li.current_page_item > a,
.ffm-main-nav > ul > li.is-current > a {
    color: var(--ffm-text);
}

.ffm-main-nav > ul > li.current-menu-item > a::after,
.ffm-main-nav > ul > li.current_page_item > a::after,
.ffm-main-nav > ul > li.is-current > a::after {
    content: "";
    position: absolute;
    left: 0;
    right: 0;
    bottom: -2px !important;
    height: 2px !important;
    border-radius: 999px;
    background: var(--ffm-accent);
}

.ffm-main-nav li ul {
    position: absolute;
    top: calc(100% + 6px) !important;
    left: 0;
    min-width: 220px;
    background: var(--ffm-white);
    border: 1px solid var(--ffm-border);
    border-radius: var(--ffm-radius-md);
    box-shadow: var(--ffm-shadow-soft);
    padding: 10px 0;
    list-style: none;
    margin: 0;
    display: none;
    z-index: 30;
}

.ffm-main-nav li:hover > ul,
.ffm-main-nav li:focus-within > ul {
    display: block;
}

.ffm-main-nav li ul li {
    margin: 0;
}

.ffm-main-nav li ul li a {
    display: block;
    padding: 10px 16px;
    color: rgba(38, 32, 32, 0.82);
    text-decoration: none;
    font-size: 13px;
    font-weight: 600;
    line-height: 1.4;
    white-space: nowrap;
}

.ffm-main-nav li ul li a:hover,
.ffm-main-nav li ul li a:focus {
    background: rgba(242, 166, 17, 0.08);
    color: var(--ffm-text);
}

.ffm-header-actions {
    flex: 0 0 auto;
    display: flex;
    align-items: center !important;
    gap: 10px !important;
}

.ffm-btn {
    min-height: 40px !important;
    padding: 0 16px !important;
    font-size: 13px !important;
}

@media (min-width: 992px) {
    .ffm-main-nav {
        justify-content: center !important;
    }
}


/* =========================
   8. TRUST / CREDIBILITY BAND
   ========================= */

.credibility-band,
.ffm-trust-band {
    background: #262020 !important;
    color: #ffffff !important;
    padding: 34px 20px 26px !important;
    text-align: center !important;
}

.credibility-band *,
.ffm-trust-band * {
    color: inherit !important;
}

.credibility-band h2,
.ffm-trust-band h2 {
    color: #ffffff !important;
    font-size: 14px !important;
    font-weight: 700 !important;
    line-height: 1.35 !important;
    letter-spacing: 0.07em !important;
    text-transform: uppercase !important;
    margin: 0 0 12px !important;
}

.credibility-band ul,
.ffm-trust-band ul {
    list-style: none !important;
    padding: 0 !important;
    margin: 18px auto 14px !important;
    max-width: 760px !important;
    display: inline-block !important;
    text-align: left !important;
}

.credibility-band li,
.ffm-trust-band li {
    position: relative;
    padding-left: 18px !important;
    margin-bottom: 8px !important;
    text-align: left !important;
    color: rgba(255, 255, 255, 0.88) !important;
    font-size: 14px !important;
    line-height: 1.6 !important;
}

.credibility-band li::before,
.ffm-trust-band li::before {
    content: "";
    position: absolute;
    left: 0;
    top: 9px;
    width: 6px;
    height: 6px;
    background: #F2A611;
    border-radius: 50%;
}

.credibility-band li:last-child,
.ffm-trust-band li:last-child,
.credibility-band p:last-child,
.ffm-trust-band p:last-child {
    margin-bottom: 0 !important;
}

.credibility-band p,
.ffm-trust-band p {
    color: rgba(255, 255, 255, 0.84) !important;
    text-align: center !important;
    font-size: 14px !important;
    line-height: 1.6 !important;
    margin: 0 0 6px !important;
}


/* =========================
   9. FOOTER
   ========================= */

.ffm-site-footer,
footer,
.site-footer,
.main-footer {
    background: var(--ffm-bg-dark) !important;
    color: var(--ffm-white) !important;
    padding: 44px 0 18px !important;
    margin-top: 0 !important;
}

.ffm-footer-inner,
.ffm-footer-bottom {
    width: min(100% - 40px, var(--ffm-container));
    margin-left: auto;
    margin-right: auto;
}

.ffm-footer-inner {
    display: grid;
    grid-template-columns: 1.3fr 1fr 1fr 1fr;
    gap: 26px !important;
    align-items: start;
}

.ffm-footer-col {
    min-width: 0;
}

.ffm-footer-col h2,
.ffm-footer-col h3,
.ffm-footer-col h4,
.ffm-footer-col h5,
.ffm-footer-col h6 {
    margin: 0 0 10px !important;
    color: var(--ffm-white);
    font-size: 12.5px;
    font-weight: 700;
    line-height: 1.4;
    letter-spacing: 0.08em;
    text-transform: uppercase;
}

.ffm-footer-col p,
.ffm-footer-col li,
.ffm-footer-col span,
.ffm-footer-col small,
.ffm-footer-col address {
    margin: 0 0 8px !important;
    color: rgba(255, 255, 255, 0.86);
    font-size: 14px;
    font-weight: 400;
    line-height: 1.78;
    font-style: normal;
}

.ffm-footer-col ul {
    list-style: none;
    margin: 0;
    padding: 0;
}

.ffm-footer-col li {
    margin-bottom: 8px;
}

.ffm-footer-col a {
    color: rgba(255, 255, 255, 0.92);
    text-decoration: none;
    word-break: break-word;
}

.ffm-footer-col a:hover,
.ffm-footer-col a:focus {
    color: var(--ffm-accent);
    opacity: 1;
}

.ffm-footer-brand {
    max-width: 360px;
}

.ffm-footer-brand img {
    width: auto;
    max-height: 44px;
    margin-bottom: 18px;
}

.ffm-footer-brand p {
    color: rgba(255, 255, 255, 0.82);
    font-size: 14px;
    line-height: 1.85;
}

.ffm-footer-links li + li,
.ffm-footer-contact li + li {
    margin-top: 2px;
}

.ffm-footer-bottom {
    display: block !important;
    visibility: visible !important;
    opacity: 1 !important;
    margin-top: 18px !important;
    padding-top: 14px !important;
    border-top: 1px solid rgba(255,255,255,0.10) !important;
    text-align: center;
}

.ffm-footer-bottom p {
    margin: 0;
    color: rgba(255, 255, 255, 0.75) !important;
    font-size: 12.5px !important;
    font-weight: 400;
    line-height: 1.7 !important;
    letter-spacing: 0.01em;
}

.ffm-footer-bottom .ffm-footer-tagline {
    color: rgba(255, 255, 255, 0.9) !important;
    font-weight: 600;
    white-space: nowrap;
}

.ffm-footer-bottom .ffm-footer-divider {
    display: inline-block;
    margin: 0 8px !important;
    color: rgba(255, 255, 255, 0.42);
    opacity: 0.4 !important;
}

.ffm-footer-bottom a {
    color: rgba(255, 255, 255, 0.82);
    text-decoration: none;
    font-size: 12.5px;
}

.ffm-footer-bottom a:hover,
.ffm-footer-bottom a:focus {
    color: var(--ffm-accent);
}


/* =========================
   10. REMOVE DEFAULT FOOTER / CREDIT CLUTTER
   ========================= */

footer a[href*="airsquare"],
.site-footer a[href*="airsquare"],
.main-footer a[href*="airsquare"],
footer small,
.site-footer small,
.main-footer small,
footer .copyright,
.site-footer .copyright,
.main-footer .copyright,
footer .site-info,
.site-footer .site-info,
.main-footer .site-info,
footer .footer-bottom,
.site-footer .footer-bottom,
.main-footer .footer-bottom,
footer > ul:last-of-type,
.site-footer > ul:last-of-type,
.main-footer > ul:last-of-type,
footer > nav:last-of-type,
.site-footer > nav:last-of-type,
.main-footer > nav:last-of-type,
footer > div:last-child > ul,
.site-footer > div:last-child > ul,
.main-footer > div:last-child > ul {
    display: none !important;
}


/* =========================
   11. MOBILE / TABLET
   ========================= */

@media (max-width: 991px) {
    main > section,
    main > div,
    section {
        padding-top: 48px;
        padding-bottom: 48px;
    }

    .ffm-topbar .ffm-container {
        justify-content: center;
        text-align: center;
    }

    .ffm-header-inner {
        flex-wrap: wrap;
        gap: 12px !important;
        min-height: auto !important;
        padding: 8px 0 10px !important;
        width: min(100% - 32px, var(--ffm-container));
    }

    .ffm-brand img {
        max-height: 44px !important;
    }

    .ffm-main-nav {
        width: 100%;
        order: 3;
    }

    .ffm-main-nav > ul {
        justify-content: flex-start !important;
        gap: 14px !important;
    }

    .ffm-main-nav > ul > li > a {
        font-size: 12.5px !important;
    }

    .ffm-footer-inner,
    .ffm-footer-bottom,
    .ffm-container {
        width: min(100% - 32px, var(--ffm-container));
    }

    .ffm-footer-inner,
    .ffm-grid-2,
    .ffm-grid-3,
    .ffm-grid-4 {
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 28px;
    }

    .ffm-site-footer {
        padding: 38px 0 16px !important;
    }

    h1 {
        font-size: 42px !important;
    }

    h2 {
        font-size: 30px !important;
    }

    p {
        font-size: 15.5px !important;
    }

    .ffm-section {
        padding: 56px 0;
    }
}

@media (max-width: 640px) {
    main > section,
    main > div,
    section {
        padding-top: 36px;
        padding-bottom: 36px;
    }

    .ffm-topbar {
        padding: 5px 0 3px !important;
        font-size: 11px !important;
    }

    .ffm-topbar .ffm-container {
        flex-direction: column;
        gap: 4px;
    }

    .ffm-header-inner,
    .ffm-footer-inner,
    .ffm-footer-bottom,
    .ffm-container {
        width: min(100% - 24px, var(--ffm-container));
    }

    .ffm-header-inner {
        gap: 12px;
        padding: 6px 0 !important;
    }

    .ffm-brand img {
        max-height: 40px !important;
    }

    .ffm-main-nav > ul {
        flex-direction: column;
        align-items: flex-start;
        gap: 10px !important;
    }

    .ffm-main-nav > ul > li > a {
        padding: 6px 0 !important;
        font-size: 12px !important;
    }

    .ffm-header-actions {
        width: 100%;
        justify-content: flex-start;
    }

    .ffm-btn {
        min-height: 44px;
        padding: 0 18px;
    }

    .ffm-footer-inner,
    .ffm-grid-2,
    .ffm-grid-3,
    .ffm-grid-4 {
        grid-template-columns: 1fr;
        gap: 22px;
    }

    .ffm-footer-col h2,
    .ffm-footer-col h3,
    .ffm-footer-col h4,
    .ffm-footer-col h5,
    .ffm-footer-col h6 {
        font-size: 12px;
        margin-bottom: 10px;
    }

    .ffm-footer-col p,
    .ffm-footer-col li,
    .ffm-footer-col span,
    .ffm-footer-col address {
        font-size: 13.5px;
        line-height: 1.72;
    }

    .ffm-footer-brand img {
        max-height: 38px;
    }

    .ffm-footer-bottom {
        margin-top: 14px !important;
        padding-top: 12px !important;
    }

    .ffm-footer-bottom p {
        font-size: 11.75px !important;
        line-height: 1.75 !important;
    }

    .ffm-footer-bottom .ffm-footer-divider {
        margin: 0 6px !important;
    }

    .credibility-band,
    .ffm-trust-band {
        padding: 28px 14px 22px !important;
    }

    .credibility-band h2,
    .ffm-trust-band h2 {
        font-size: 13px !important;
        margin-bottom: 10px !important;
    }

    .credibility-band p,
    .credibility-band li,
    .ffm-trust-band p,
    .ffm-trust-band li {
        font-size: 13px !important;
        line-height: 1.55 !important;
        margin-bottom: 5px !important;
    }

    h1 {
        font-size: 34px !important;
    }

    h2 {
        font-size: 26px !important;
    }

    h3 {
        font-size: 22px !important;
    }

    p {
        font-size: 15px !important;
        line-height: 1.75 !important;
    }

    .ffm-section {
        padding: 42px 0;
    }
}
</style>

<header class="ffm-site-header">
  <div class="ffm-topbar">
    <div class="ffm-container">
      <a href="tel:+27121104505">+27 12 110 4505</a>
      <span>|</span>
      <a href="mailto:jacquesdp@fractionalfm.co.za">jacquesdp@fractionalfm.co.za</a>
    </div>
  </div>

  <div class="ffm-header-inner">
    <a class="ffm-brand" href="/">
      <img src="/path-to-logo.png" alt="Fractional FM">
    </a>

    <nav class="ffm-main-nav" aria-label="Primary navigation">
      <ul>
        <li class="current-menu-item"><a href="/">Home</a></li>
        <li><a href="/what-we-do">What We Do</a></li>
        <li><a href="/insights">Insights</a></li>
        <li><a href="/about-us">About</a></li>
        <li><a href="/contact-us">Contact Us</a></li>
      </ul>
    </nav>

    <div class="ffm-header-actions">
      <a class="ffm-btn ffm-btn--secondary" href="/login">Client Login</a>
      <a class="ffm-btn ffm-btn--primary" href="/booking">Book a Call</a>
    </div>
  </div>
</header>

<footer class="ffm-site-footer">
  <div class="ffm-footer-inner">
    <div class="ffm-footer-col ffm-footer-brand">
      <img src="/path-to-logo-light.png" alt="Fractional FM">
      <p>Integrated financial architecture for growth-stage SMEs.</p>
      <p>Structured financial control, reporting, payroll, compliance, and insight for businesses that need more than fragmented service delivery.</p>
    </div>

    <div class="ffm-footer-col">
      <h3>Explore</h3>
      <ul class="ffm-footer-links">
        <li><a href="/">Home</a></li>
        <li><a href="/what-we-do">What We Do</a></li>
        <li><a href="/insights">Insights</a></li>
        <li><a href="/about-us">About</a></li>
        <li><a href="/contact-us">Contact Us</a></li>
      </ul>
    </div>

    <div class="ffm-footer-col">
      <h3>Client Access</h3>
      <ul class="ffm-footer-links">
        <li><a href="/login">Client Login</a></li>
        <li><a href="#" target="_blank" rel="noopener">Portal Genie</a></li>
        <li><a href="#" target="_blank" rel="noopener">Syft Dashboard</a></li>
        <li><a href="https://login.xero.com" target="_blank" rel="noopener">Xero Login</a></li>
        <li><a href="#" target="_blank" rel="noopener">PaySpace Login</a></li>
      </ul>
    </div>

    <div class="ffm-footer-col">
      <h3>Contact</h3>
      <ul class="ffm-footer-contact">
        <li><a href="mailto:jacquesdp@fractionalfm.co.za">jacquesdp@fractionalfm.co.za</a></li>
        <li><a href="tel:+27121104505">+27 12 110 4505</a></li>
        <li>Gauteng, South Africa</li>
        <li><a href="https://maps.google.com" target="_blank" rel="noopener">View Map</a></li>
      </ul>
    </div>
  </div>

  <div class="ffm-footer-bottom">
    <p>
      © 2026 Fractional FM. All rights reserved.
      <span class="ffm-footer-divider">|</span>
      <span class="ffm-footer-tagline">Finance. Control. Growth.</span>
      <span class="ffm-footer-divider">|</span>
      <a href="/legal">Legal</a>
      <span class="ffm-footer-divider">|</span>
      <a href="/privacy-policy">Privacy Policy</a>
    </p>
  </div>
</footer>