{"id":15205,"date":"2025-09-28T15:30:33","date_gmt":"2025-09-28T12:30:33","guid":{"rendered":"https:\/\/ovza.com\/?p=15205"},"modified":"2025-09-29T10:23:20","modified_gmt":"2025-09-29T07:23:20","slug":"what-is-an-emi","status":"publish","type":"post","link":"https:\/\/ovza.com\/pt\/what-is-an-emi\/","title":{"rendered":"What is an EMI?"},"content":{"rendered":"<section class=\"l-section wpb_row us_custom_f05bea1e height_small\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-html\"><!DOCTYPE html>\n<html lang=\"en\">\n<head>
<meta name="viewport" content="width=device-width, initial-scale=1.0">
<meta name="viewport" content="width=device-width, initial-scale=1.0">
<meta name="viewport" content="width=device-width, initial-scale=1.0">
<link id="bv-preloaded" rel="preload" as="image" type="image/webp" media="(min-width: 1537px)" href="https://ovza.com/wp-content/uploads/al_opt_content/IMAGE/ovza.com/wp-content/uploads/2024/03/1-light-gray-concrete-wall.png.bv.webp" />
<link id="bv-preloaded" rel="preload" as="image" type="image/webp" media="(min-width: 821px) and (max-width: 1536px)" href="https://ovza.com/wp-content/uploads/al_opt_content/IMAGE/ovza.com/wp-content/uploads/2024/03/1-light-gray-concrete-wall-1536.png.bv.webp" />
<link id="bv-preloaded" rel="preload" as="image" type="image/webp" media="(min-width: 481px) and (max-width: 820px)" href="https://ovza.com/wp-content/uploads/al_opt_content/IMAGE/ovza.com/wp-content/uploads/2024/03/1-light-gray-concrete-wall-820.png.bv.webp" />
<link id="bv-preloaded" rel="preload" as="image" type="image/webp" media="(max-width: 480px)" href="https://ovza.com/wp-content/uploads/al_opt_content/IMAGE/ovza.com/wp-content/uploads/2024/03/1-light-gray-concrete-wall-480.png.bv.webp" />
<style class="bv-critical-css">
@keyframes fadein {
                        from { opacity: 0; }
                        to   { opacity: 1; }
                    }

</style>
<style class="bv-critical-css">
.bd_toc_widget_floating {
                        bottom: 90px !important;
                        left: px !important;
                        right: px !important;
                    }

</style>
<style class="bv-critical-css">
.bd_toc_progress_bar.progress_bar_open .bd_toc_widget_progress_bar {
                        top: 0px !important;
                        height:5px !important;
                    }

</style>
<style class="bv-critical-css">
.bd_toc_container {
                    z-index: 9999999 !important;
                }
.bd_toc_container .layout_toggle_button{
                    border-color: #ffffff transparent !important;
                }
.bd_toc_widget_floating {
                    border-top-left-radius:     50px;
                    border-top-right-radius:    50px;
                    border-bottom-right-radius: 50px;
                    border-bottom-left-radius:  50px;
                }
.bd_toc_widget_floating {
                    box-shadow: 0px
                                4px
                                30px
                                0px
                rgba(21,30,67,0.25);
                }
.bd_toc_widget_floating .bd_toc_floating_content {
                    border-top-left-radius:     0px;
                    border-top-right-radius:    0px;
                    border-bottom-right-radius: 14px;
                    border-bottom-left-radius:  15px;
                }
.bd_toc_progress_bar.progress_bar_open .bd_toc_widget_progress_bar {
                    border-top-right-radius:    10px;
                    border-bottom-right-radius: 10px;
                }
.bd_toc_container .layout_toggle_button{
                    bottom: calc(0% + 200px)!important
                }

</style>
<style class="bv-critical-css">
.bd_toc_container {
                transition: ease-in-out .5s !important;
            }
.bd_toc_container {
                border-top-left-radius:     15px;
                border-top-right-radius:    15px;
                border-bottom-right-radius: 15px;
                border-bottom-left-radius:  15px;
            }
.bd_toc_container {
                box-shadow: 0px
                            4px
                            16px
                            0px
            rgba(0,0,0,0.03);
            }
.bd_toc_wrapper .bd_toc_header .bd_toc_switcher_hide_show_icon .bd_toc_arrow {
                border-color: #2c2f32            }
.bd_toc_header {
                border-top-left-radius:     0px;
                border-top-right-radius:    0px;
                border-bottom-right-radius: 0px;
                border-bottom-left-radius:  0px;
            }
.bd_toc_wrapper .bd_toc_wrapper_item .bd_toc_content .bd_toc_content_list ul li a {
                border-top-left-radius:     10px;
                border-top-right-radius:    10px;
                border-bottom-right-radius: 10px;
                border-bottom-left-radius:  10px;
            }

</style>
<style class="bv-critical-css" bv-identifier="https://ovza.com/wp-content/plugins/formidable/css/formidableforms.css?ver=761324" id="formidable-css">
.with_frm_style{--form-width:100%;--form-align:left;--direction:ltr;--fieldset:0px;--fieldset-color:#000000;--fieldset-padding:0 0 15px 0;--fieldset-bg-color:transparent;--title-size:40px;--title-color:#444444;--title-margin-top:10px;--title-margin-bottom:60px;--form-desc-size:14px;--form-desc-color:#666666;--form-desc-margin-top:10px;--form-desc-margin-bottom:25px;--form-desc-padding:0;--font:Poppins;--font-size:15px;--label-color:#0b1113;--weight:normal;--position:none;--align:left;--width:150px;--required-color:#B94A48;--required-weight:bold;--label-padding:0 0 3px 0;--description-font-size:12px;--description-color:#666666;--description-weight:normal;--description-style:normal;--description-align:left;--description-margin:0;--field-font-size:15px;--field-height:32px;--line-height:32px;--field-width:100%;--auto-width:100%;--field-pad:12px 14px 12px 14px;--field-margin:10px;--field-weight:normal;--text-color:#0b1113;--border-color:#0b1113;--field-border-width:2px;--field-border-style:solid;--bg-color:#ffffff;--bg-color-active:#ffffff;--border-color-active:#34BE86;--text-color-error:#444444;--bg-color-error:#ffffff;--border-color-error:#B94A48;--border-width-error:1px;--border-style-error:solid;--bg-color-disabled:#ffffff;--border-color-disabled:#E5E5E5;--text-color-disabled:#A1A1A1;--radio-align:block;--check-align:block;--check-font-size:14px;--check-label-color:#444444;--check-weight:normal;--section-font-size:18px;--section-color:#444444;--section-weight:bold;--section-pad:15px 0 3px 0;--section-mar-top:15px;--section-mar-bottom:30px;--section-bg-color:transparent;--section-border-color:#e8e8e8;--section-border-width:2px;--section-border-style:solid;--section-border-loc:-top;--collapse-pos:after;--repeat-icon-color:#ffffff;--submit-font-size:15px;--submit-width:auto;--submit-height:auto;--submit-bg-color:rgba(29,179,141,1);--submit-border-color:rgba(29,179,141,1);--submit-border-width:1px;--submit-text-color:#ffffff;--submit-weight:500;--submit-border-radius:10px;--submit-margin:1px;--submit-padding:14px 34px 14px 34px;--submit-shadow-color:#eeeeee;--submit-hover-bg-color:rgba(29,179,141,0.49);--submit-hover-color:#444444;--submit-hover-border-color:rgba(29,179,141,1);--submit-active-bg-color:rgba(29,179,141,1);--submit-active-color:#444444;--submit-active-border-color:rgba(29,179,141,1);--border-radius:6px;--error-bg:#F2DEDE;--error-border:#EBCCD1;--error-text:#B94A48;--error-font-size:14px;--success-bg-color:#DFF0D8;--success-border-color:#D6E9C6;--success-text-color:#468847;--success-font-size:14px;--progress-bg-color:#eaeaea;--progress-color:#3f4b5b;--progress-active-bg-color:#579AF6;--progress-active-color:#ffffff;--progress-border-color:#E5E5E5;--progress-border-size:2px;--progress-size:24px;--base-font-size:15px;--toggle-font-size:15px;--toggle-on-color:#579AF6;--toggle-off-color:#eaeaea;--slider-font-size:24px;--slider-track-size:5px;--slider-circle-size:24px;--slider-color:#579AF6;--slider-bar-color:#579AF6;--date-head-bg-color:#579AF6;--date-head-color:#ffffff;--date-band-color:#2568c4;--bg-image-opacity:100%;--box-shadow:0 1px 2px 0 rgba(18, 18, 23, 0.05);}
.with_frm_style,.with_frm_style form,.with_frm_style .frm-show-form div.frm_description p{text-align: var(--form-align);}
.with_frm_style fieldset{min-width:0;display: block; }
.with_frm_style .frm_form_fields > fieldset{border-width: var(--fieldset);border-style:solid;border-color: var(--fieldset-color);margin:0;padding: var(--fieldset-padding);background-color: var(--fieldset-bg-color);font-family:var(--font);}
.with_frm_style .frm_form_fields{opacity:1;transition: opacity 0.1s linear;}
.with_frm_style input[type=text],.with_frm_style input[type=password],.with_frm_style input[type=email],.with_frm_style input[type=number],.with_frm_style input[type=url],.with_frm_style input[type=tel],.with_frm_style input[type=search],.with_frm_style select,.with_frm_style textarea,.with_frm_style .frm-card-element.StripeElement {font-family:var(--font);font-size: var(--field-font-size);margin-bottom:0;}.with_frm_style textarea{vertical-align:top;height:auto;}.with_frm_style .frm_slimselect.ss-main,.with_frm_style input[type=text],.with_frm_style input[type=password],.with_frm_style input[type=email],.with_frm_style input[type=number],.with_frm_style input[type=url],.with_frm_style input[type=tel],.with_frm_style input[type=phone],.with_frm_style input[type=search],.with_frm_style select,.with_frm_style textarea,.frm_form_fields_style,.with_frm_style .frm_scroll_box .frm_opt_container,.frm_form_fields_active_style,.frm_form_fields_error_style,.with_frm_style .frm-card-element.StripeElement {color: var(--text-color);background-color: var(--bg-color);border-color: var(--border-color);border-width: var(--field-border-width);border-style: var(--field-border-style);border-radius: var(--border-radius);width: var(--field-width);max-width: 100%;font-size: var(--field-font-size);padding: var(--field-pad);box-sizing: border-box;outline: none;font-weight: var(--field-weight);}
.with_frm_style input[type=radio],.with_frm_style input[type=checkbox]{border-color: var(--border-color);box-shadow: var(--box-shadow);float: none;}
.with_frm_style input[type=text],.with_frm_style input[type=password],.with_frm_style input[type=email],.with_frm_style input[type=number],.with_frm_style input[type=url],.with_frm_style input[type=tel],.with_frm_style input[type=file],.with_frm_style input[type=search],.with_frm_style select,.with_frm_style .frm-card-element.StripeElement{min-height: var(--field-height);line-height:1.3;}
.with_frm_style .frm_primary_label{max-width:100%;font-family: var(--font);font-size: var(--font-size);color: var(--label-color);font-weight: var(--weight);text-align: var(--align);padding: var(--label-padding);margin:0;width:auto;display:block;}
.with_frm_style .frm_none_container .frm_primary_label,.with_frm_style .frm_pos_none,.frm_pos_none,.frm_none_container .frm_primary_label{display:none;}
.with_frm_style input::placeholder,.with_frm_style textarea::placeholder {font-size: var(--field-font-size);}
.with_frm_style .frm_submit{clear:both;}
.with_frm_style.frm_center_submit .frm_submit{text-align:center;}.with_frm_style.frm_center_submit .frm_flex.frm_submit {justify-content: center;}
.with_frm_style.frm_center_submit .frm_submit input[type=submit],.with_frm_style.frm_center_submit .frm_submit input[type=button],.with_frm_style.frm_center_submit .frm_submit button{margin-bottom:8px !important;}.with_frm_style .frm-edit-page-btn,.with_frm_style .frm_submit input[type=submit],.with_frm_style .frm_submit input[type=button],.with_frm_style .frm_submit button{-webkit-appearance: none;cursor: pointer;}
.with_frm_style .frm_submit.frm_flex {align-items: center;gap: 2%;}
.frm_style_formidable-style.with_frm_style{}.frm_forms.frm_style_formidable-style.with_frm_style{max-width:var(--form-width);direction:var(--direction);}.frm_style_formidable-style.with_frm_style .form-field{margin-bottom:var(--field-margin);}
.frm_style_formidable-style.with_frm_style .frm_none_container .frm_primary_label,.frm_style_formidable-style.with_frm_style .frm_pos_none{display:none;}
.frm_style_formidable-style.with_frm_style input::placeholder,.frm_style_formidable-style.with_frm_style textarea::placeholder{color:var(--text-color-disabled);}
.frm_style_formidable-style.with_frm_style .frm_compact .frm_dropzone.dz-clickable .dz-message,.frm_style_formidable-style.with_frm_style .frm-edit-page-btn,.frm_style_formidable-style.with_frm_style input[type=submit],.frm_style_formidable-style.with_frm_style .frm_submit input[type=button],.frm_style_formidable-style.with_frm_style .frm_submit button,.frm_form_submit_style {width:auto;font-family:Poppins;font-size:15px;height:auto;line-height:normal;text-align:center;background:rgba(29,179,141,1);border-width:1px;border-color: rgba(29,179,141,1);border-style:solid;color:#ffffff;cursor:pointer;font-weight:500;border-radius:10px;text-shadow:none;padding:14px 34px 14px 34px;box-sizing:border-box;box-shadow:0 1px 1px #eeeeee;margin:1px;margin-left:0;margin-right:0;vertical-align:middle;}
.frm_style_formidable-style.with_frm_style {}
.vertical_radio .frm_checkbox,.vertical_radio .frm_radio,.vertical_radio .frm_catlevel_1{display:block;}
.with_frm_style .frm_checkbox{display: var(--check-align);}.with_frm_style .vertical_radio .frm_checkbox,.with_frm_style .vertical_radio .frm_radio,.vertical_radio .frm_catlevel_1{display:block;margin-bottom: 10px;}
.with_frm_style .frm_checkbox label,.with_frm_style .frm_radio label {display: inline-block;vertical-align: middle;white-space:normal;}.with_frm_style .frm_checkbox label input[type=checkbox],.with_frm_style .frm_radio label input[type=radio] {margin-right: 4px;}.with_frm_style .frm_checkbox label:not(.frm-label-disabled),.with_frm_style .frm_radio label:not(.frm-label-disabled) {cursor: pointer;}.with_frm_style .vertical_radio .frm_checkbox label,.with_frm_style .vertical_radio .frm_radio label{display: block;width: 100%;}.with_frm_style .frm_radio label,.with_frm_style .frm_checkbox label {font-family: var(--font);font-size: var(--check-font-size);color: var(--check-label-color);font-weight: var(--check-weight);line-height: 1.3;}.with_frm_style .frm_radio input[type=radio],.with_frm_style .frm_checkbox input[type=checkbox] {font-size: var(--check-font-size);position: static;}
.with_frm_style .frm_checkbox input[type=checkbox] {border-radius: calc(var(--border-radius) / 2) !important;}.with_frm_style .frm_radio input[type=radio],.with_frm_style .frm_scale input[type=radio],.with_frm_style .frm_checkbox input[type=checkbox]{appearance: none;background-color: var(--bg-color);flex: none;display:inline-block !important;width: 16px !important;min-width: 16px !important;height: 16px !important;color: var(--border-color);border: 1px solid currentColor;border-color: var(--border-color);vertical-align: middle;position: initial; padding: 0;margin: 0;}
.frm_forms.with_frm_style .frm_checkbox input[type=checkbox]:before {width: 100% !important;height: 100% !important;background-image: url("data:image/svg+xml,%3Csvg width='12' height='9' viewBox='0 0 12 9' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M10.6667 1.5L4.25001 7.91667L1.33334 5' stroke='white' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E%0A") !important;background-size: 9px !important;background-repeat: no-repeat !important;background-position: center !important;margin: 0;}
.frm_screen_reader {border: 0;clip-path: inset(50%);height: 1px;margin: -1px;overflow: hidden;padding: 0;position: absolute;width: 1px;word-wrap: normal !important; }
.with_frm_style .frm_form_field {clear: both;}.frm_combo_inputs_container,.frm_grid_container,.frm_form_fields .frm_section_heading,.frm_form_fields .frm_fields_container {display: grid;grid-template-columns: repeat(12, 1fr);grid-auto-rows: max-content;grid-gap: 0 2%;}.frm_combo_inputs_container > *,.frm_grid_container > *,.frm_section_heading > *,.frm_fields_container .frm_form_field,.frm_fields_container > * {grid-column: span 12 / span 12;}
.frm6,.frm_half,.frm_form_field.frm_three_fifths, .frm_form_field.frm6,.frm_submit.frm6,.frm_form_field.frm_left_half,.frm_form_field.frm_right_half,.frm_form_field.frm_first_half,.frm_form_field.frm_last_half,.frm_form_field.frm_half,.frm_submit.frm_half {grid-column: span 6 / span 6;}
.frm12,.frm_full,.frm_full .wp-editor-wrap,.frm_full > input:not([type="checkbox"]):not([type="radio"]):not([type="button"]),.frm_full select,.frm_full textarea {width: 100% !important;grid-column: span 12/span 12;box-sizing: border-box;}
.frm_first,.frm_form_field.frm_left_half,.frm_form_field.frm_left_third,.frm_form_field.frm_left_two_thirds,.frm_form_field.frm_left_fourth,.frm_form_field.frm_left_fifth,.frm_form_field.frm_left_inline,.frm_form_field.frm_first_half,.frm_form_field.frm_first_third,.frm_form_field.frm_first_two_thirds,.frm_form_field.frm_first_fourth,.frm_form_field.frm_first_fifth,.frm_form_field.frm_first_sixth,.frm_form_field.frm_first_seventh,.frm_form_field.frm_first_eighth,.frm_form_field.frm_first_inline,.frm_form_field.frm_first {grid-column-start: 1;}
@keyframes spin {0% {transform: rotate(0deg);}100% {transform: rotate(360deg);}}
@keyframes fadeIn {0% {opacity: 0;}100% {opacity: 1;}}
.frm_form_field .frm_checkbox,.frm_form_field .frm_radio {margin-top: 0;margin-bottom: 0;}
.with_frm_style, .frm_forms {--progress-border-color-b: #dbdbdb;--image-size: 150px;}
.with_frm_style .frm-show-form {overflow-x:clip;}
.frm_flex,.frm_full_row{display:flex;flex-direction:row;flex-wrap:wrap;}
@keyframes frmSlideInLeft {0% {opacity: 0;transform: translate3d(-3000px, 0, 0);}100% {opacity: 1;transform: none;}}
@keyframes frmSlideInRight {0% {opacity: 0;transform: translate3d(3000px, 0, 0);}100% {opacity: 1;transform: none;}}
@keyframes frmSlideOutLeft {0% {opacity: 1;transform: none;}100% {opacity: 0;transform: translate3d(-2000px, 0, 0);}}
@keyframes frmSlideOutRight {0% {opacity: 1;transform: none;}100% {opacity: 0;transform: translate3d(2000px, 0, 0);}}
@keyframes frmSlideUp {0% {opacity: 0;transform: translate3d(0, -200px, 0);}100% {opacity: 1;transform: none;}}
@keyframes frmSlideDown {0% {opacity: 0;transform: translate3d(0, 200px, 0);}100% {opacity: 1;transform: none;}}
@keyframes frmSlideOutUp {0% {opacity: 1;transform: none;}100% {opacity: 0;transform: translate3d(0, -200px, 0);}}
@keyframes frmSlideOutDown {0% {opacity: 1;transform: none;}100% {opacity: 0;transform: translate3d(0, 200px, 0);}}
:root{--ss-primary-color: #5897fb;--ss-bg-color: #ffffff;--ss-font-color: #4d4d4d;--ss-font-placeholder-color: #8d8d8d;--ss-disabled-color: #dcdee2;--ss-border-color: #dcdee2;--ss-highlight-color: #fffb8c;--ss-success-color: #00b755;--ss-error-color: #dc3545;--ss-focus-color: #5897fb;--ss-main-height: 30px;--ss-content-height: 300px;--ss-spacing-l: 7px;--ss-spacing-m: 5px;--ss-spacing-s: 3px;--ss-animation-timing: 0.2s;--ss-border-radius: 4px}
@keyframes ss-valueIn{0%{transform:scale(0);opacity:0}100%{transform:scale(1);opacity:1}}
@keyframes ss-valueOut{0%{transform:scale(1);opacity:1}100%{transform:scale(0);opacity:0}}
.frm_forms {--iti-hover-color: rgba(0, 0, 0, 0.05);--iti-border-color: #ccc;--iti-dialcode-color: #999;--iti-dropdown-bg: white;--iti-search-icon-color: #999;--iti-spacer-horizontal: 8px;--iti-flag-height: 12px;--iti-flag-width: 16px;--iti-border-width: 1px;--iti-arrow-height: 4px;--iti-arrow-width: 6px;--iti-triangle-border: calc(var(--iti-arrow-width) / 2);--iti-arrow-padding: 6px;--iti-arrow-color: #555;--iti-flag-sprite-width: 3904px;--iti-flag-sprite-height: 12px;--iti-mobile-popup-margin: 30px;}
@keyframes passing-through {0% {opacity: 0;transform: translateY(40px);}30%, 70% {opacity: 1;transform: translateY(0px);}100% {opacity: 0;transform: translateY(-40px);}}
@keyframes slide-in {0% {opacity: 0;transform: translateY(40px);}30% {opacity: 1;transform: translateY(0px);}}

</style>
<style class="bv-critical-css" bv-identifier="https://ovza.com/wp-content/plugins/pdf-poster/build/public.css?ver=2.5.4" id="pdfp-public-css">
iframe{max-width:100%}

</style>
<style class="bv-critical-css" bv-identifier="https://cdnjs.cloudflare.com/ajax/libs/font-awesome/5.15.4/css/all.min.css?ver=5.15.4" id="font-awesome-5-brands-css">
.fa,.fab,.fad,.fal,.far,.fas{-moz-osx-font-smoothing:grayscale;-webkit-font-smoothing:antialiased;display:inline-block;font-style:normal;font-variant:normal;text-rendering:auto;line-height:1}
@-webkit-keyframes fa-spin{0%{-webkit-transform:rotate(0deg);transform:rotate(0deg)}to{-webkit-transform:rotate(1turn);transform:rotate(1turn)}}
@keyframes fa-spin{0%{-webkit-transform:rotate(0deg);transform:rotate(0deg)}to{-webkit-transform:rotate(1turn);transform:rotate(1turn)}}
.fa-angle-right:before{content:"\f105"}
.fab,.far{font-weight:400}
.fa,.far,.fas{font-family:"Font Awesome 5 Free"}



</style>
<style class="bv-critical-css" bv-identifier="https://ovza.com/wp-content/plugins/top-table-of-contents/public/css/boomdevs-toc-public.css?ver=1.4.0" id="boomdevs-toc-css">
.bd_toc_container {
  position: relative;
  margin: 0; }
.bd_toc_container .bd_toc_arrow {
    border: solid black;
    border-width: 0 2px 2px 0;
    display: inline-block;
    padding: 3px;
    transform: rotate(-45deg);
    transition: transform 0.5s ease-in-out; }
.bd_toc_container .bd_toc_wrapper {
    max-width: 100%;
    overflow: hidden; }
.bd_toc_container .bd_toc_wrapper .bd_toc_wrapper_item .bd_toc_header {
      transition: all 0.2s; }
.bd_toc_container .bd_toc_wrapper .bd_toc_wrapper_item .bd_toc_header .bd_toc_header_title {
        font-weight: bold; }
.bd_toc_container .bd_toc_wrapper .bd_toc_content.list-type-none ul {
      list-style: none; }
.bd_toc_container .bd_toc_wrapper .bd_toc_content_list_item ul {
      padding: 0;
      margin: 0;
      list-style: none; }
.bd_toc_container .bd_toc_wrapper .bd_toc_content_list_item ul li {
        position: relative;
        margin: 0; }
.bd_toc_container .bd_toc_wrapper .bd_toc_content_list_item ul li a {
          position: relative;
          display: block;
          text-decoration: none !important;
          white-space: nowrap;
          overflow: hidden;
          text-overflow: ellipsis; }
.bd_toc_container .bd_toc_wrapper .bd_toc_wrapper_item {
      overflow: hidden; }
.bd_toc_container .bd_toc_wrapper .bd_toc_wrapper_item .bd_toc_header {
        display: flex;
        align-items: center;
        justify-content: space-between;
        cursor: pointer; }
.bd_toc_container .bd_toc_wrapper .bd_toc_wrapper_item .bd_toc_header .bd_toc_switcher_hide_show_icon {
          cursor: pointer; }
.bd_toc_container .bd_toc_wrapper .bd_toc_wrapper_item .bd_toc_header.active .bd_toc_arrow {
          transform: rotate(-135deg); }
.bd_toc_container .bd_toc_wrapper .bd_toc_wrapper_item .bd_toc_content {
        border-bottom-left-radius: 15px;
        border-bottom-right-radius: 15px; }
.bd_toc_container .bd_toc_wrapper .bd_toc_wrapper_item .bd_toc_content .bd_toc_content_list .bd_toc_content_list_item {
          transition: height 0.2s ease-in-out; }
.bd_toc_container .layout_toggle_button {
    display: none;
    align-items: center;
    justify-content: center;
    position: absolute;
    right: calc(0% - 124px);
    bottom: calc(0% + 200px);
    width: 130px;
    box-sizing: content-box;
    border-width: 50px 35px 0;
    border-style: solid;
    border-color: #000 transparent;
    transform: rotate(-90deg);
    cursor: pointer;
    z-index: 3;
    filter: drop-shadow(5px 5px 10px rgba(0, 0, 0, 0.1)); }
@keyframes fadeIn {
  0% {
    opacity: 0; }
  100% {
    opacity: 1; } }
.bd_toc_widget_floating {
  height: calc(100vh - 100%); }
.bd_toc_widget_floating .bd_toc_floating_content {
    display: none;
    padding: 10px 0;
    transition: ease-in-out 0.5s; }
body .bd_toc_widget_floating {
  position: fixed;
  margin: 0;
  padding: 0;
  height: auto;
  z-index: 99999999999999;
  max-width: 700px;
  overflow: hidden; }
body .bd_toc_widget_floating .bd_toc_widget_floating_current_heading {
    display: none;
    line-height: normal; }
.bd_toc_progress_bar.progress_bar_open .bd_toc_widget_progress_bar {
  position: fixed;
  margin: 0;
  padding: 0;
  left: 0;
  height: 5px;
  background-color: rgba(17, 64, 255, 0.71);
  transition: all linear 0.1s;
  z-index: 999999999999; }

</style>
<style class="bv-critical-css" bv-identifier="https://ovza.com/wp-content/plugins/elementor/assets/css/frontend.min.css?ver=4.1.4" id="elementor-frontend-css">
:root{--direction-multiplier:1}
.elementor-screen-only,.screen-reader-text,.screen-reader-text span,.ui-helper-hidden-accessible{height:1px;margin:-1px;overflow:hidden;padding:0;position:absolute;top:-10000em;width:1px;clip:rect(0,0,0,0);border:0}
:root{--page-title-display:block}.elementor-page-title,h1.entry-title{display:var(--page-title-display)}
@keyframes eicon-spin{0%{transform:rotate(0deg)}to{transform:rotate(359deg)}}
@media (prefers-reduced-motion:no-preference){html{scroll-behavior:smooth}}
</style>
<style class="bv-critical-css" bv-identifier="https://ovza.com/wp-content/uploads/elementor/css/post-8605.css?ver=1784629216" id="elementor-post-8605-css">
.elementor-kit-8605{--e-global-color-primary:#1DB38D;--e-global-color-secondary:#22C687;--e-global-color-text:#000000;--e-global-color-accent:#1DB38D;--e-global-typography-primary-font-family:"Poppins";--e-global-typography-primary-font-weight:600;--e-global-typography-secondary-font-family:"Poppins";--e-global-typography-secondary-font-weight:400;--e-global-typography-text-font-family:"Poppins";--e-global-typography-text-font-weight:400;--e-global-typography-accent-font-family:"Poppins";--e-global-typography-accent-font-weight:500;}
h1.entry-title{display:var(--page-title-display);}

</style>
<style class="bv-critical-css" bv-identifier="https://ovza.com/wp-content/plugins/OVZA-Partner-Plugin/assets/css/hero.css?ver=1.0.22" id="ovza-partner-page-hero-css">
:root {
    --color-bg: #FFFFFF;
    --color-bg-card: #f6fefa;
    --color-bg-badge: #eef2f7;
    --color-primary: #29C78C;
    --color-primary-dark: #16a34a;
    --color-title: #222222;
    --color-subtitle: #6b7280;
    --color-border: #e5e7eb;
    --color-white: #fff;
    --ovza-bg: #f6f7f8;
    --ovza-surface: #ffffff;
    --ovza-text: #101214;
    --ovza-muted: #5f6670;
    --ovza-line: rgba(16, 18, 20, 0.08);
    --ovza-primary: #22c58b;
    --ovza-primary-dark: #16a34a;
    --ovza-pill: #eef2f3;
    --ovza-shadow: 0 24px 80px rgba(10, 18, 28, 0.16);
}
*, *::before, *::after {
    box-sizing: border-box;
}

</style>
<style class="bv-critical-css" bv-identifier="https://ovza.com/wp-content/plugins/OVZA-Partner-Plugin/assets/css/faq.css?ver=1.0.22" id="ovza-partner-page-faq-css">
@keyframes faqTabFadeUp {
    from {
        opacity: 0;
        transform: translateY(14px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

</style>
<style class="bv-critical-css" bv-identifier="https://ovza.com/wp-content/plugins/OVZA-Partner-Plugin/assets/css/signup.css?ver=1.0.22" id="ovza-partner-page-signup-css">
@keyframes partnerSignupFloatA {
    0%, 100% {
        transform: translate3d(0, 0, 0);
    }

    50% {
        transform: translate3d(0, -10px, 0);
    }
}
@keyframes partnerSignupFloatB {
    0%, 100% {
        transform: translate3d(0, 0, 0);
    }

    50% {
        transform: translate3d(0, 8px, 0);
    }
}
@keyframes partnerSignupFloatC {
    0%, 100% {
        transform: translate3d(0, 0, 0);
    }

    50% {
        transform: translate3d(0, -12px, 0);
    }
}

</style>
<style class="bv-critical-css" bv-identifier="https://ovza.com/wp-content/plugins/translatepress-multilingual/assets/css/trp-language-switcher-v2.css?ver=3.2.2" id="trp-language-switcher-v2-css">
.trp-shortcode-switcher__wrapper {
    position: relative;
    border: none;
}
.trp-shortcode-switcher {
    position: static;
    display: inline-block;
    overflow: hidden;
    padding: 10px 0;
    border: var(--border, none);
    border-radius: var(--border-radius, 5px);
    background: var(--bg, #fff);
    width: auto;
    box-shadow: none;
}
.trp-shortcode-anchor:not(.trp-opposite-button) {
    visibility: hidden;
}
.trp-shortcode-overlay {
    position: absolute;
    left: 0;
    top: 0;
    z-index: 9999;
}
.trp-current-language-item__wrapper:not(.trp-hide-arrow) {
    display: flex;
    align-items: center;
    padding-right: 10px;
    justify-content: space-between;
}
.trp-switcher-dropdown-list {
    display: flex;
    overflow-y: hidden; /* closed state */
    transition: max-height 0.2s ease-in-out;
    max-height: 0;
    transition-duration: var(--transition-duration);
}
.trp-shortcode-switcher .trp-switcher-dropdown-list {
    flex-direction: column;
}
.trp-shortcode-arrow {
    pointer-events: none;
}
.trp-language-item {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 7px 16px;
    text-decoration: none;
    min-height: 19px;
    box-sizing: content-box;
}
.trp-language-item__current {
    pointer-events: none;
    cursor: default;
}
.trp-language-item-name {
    display: inline-block;
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
    color: var(--text, #000);
    font-size: var(--font-size, 14px);
    line-height: 1.2;
    font-family: -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Oxygen-Sans,Ubuntu,Cantarell,"Helvetica Neue",sans-serif;
    font-weight: 400;
}
.trp-flag-image {
    border-radius: var(--flag-radius, 0) !important;
    aspect-ratio: var(--aspect-ratio, 4/3) !important;
    width: var(--flag-size, 18px) !important;
    display: inline-block !important;
    height: auto !important;
}

</style>
<style class="bv-critical-css" bv-identifier="https://ovza.com/wp-content/themes/Impreza/css/style.min.css?ver=1.1" id="us-style-css">
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;overflow-x:hidden;-webkit-tap-highlight-color:var(--color-content-primary-faded)}details{display:block}summary{display:list-item}
[hidden],template{display:none}a{text-decoration:none;background:none;transition-property:background,box-shadow,border,color,opacity,transform;transition-duration:0.3s;-webkit-text-decoration-skip:objects}b,strong{font-weight:var(--bold-font-weight,bold )}
img{height:auto;max-width:100%}
button,input,optgroup,select,textarea{vertical-align:top;text-transform:none;color:inherit;font:inherit;border:none;margin:0}
textarea{overflow:auto;height:8rem;min-height:3rem;resize:vertical}input:not([type=submit]),select,textarea{outline:none!important}input[type=tel],input[type=text],input[type=date],input[type=email],input[type=search],input[type=number],input[type=password],textarea{-webkit-appearance:none}
button,[type=button],[type=reset],[type=submit]{overflow:visible;-webkit-appearance:button;cursor:pointer}
label,[type=checkbox],[type=radio]{cursor:pointer}
legend{border:0;padding:0}
dl,ul,ol{list-style:none;margin:0;padding:0}fieldset{border:0;margin:0;padding:0}audio,video,iframe,object,embed{max-width:100%;border:none}
::-webkit-input-placeholder{color:inherit;opacity:0.5}html,.l-header .widget,.menu-item-object-us_page_block{font-family:var(--font-family,inherit);font-weight:var(--font-weight,400);font-size:var(--font-size,16px);font-style:var(--font-style,normal);text-transform:var(--text-transform,none);line-height:var(--line-height,28px);letter-spacing:var(--letter-spacing,0)}h1,h2,h3,h4,h5,h6{margin:0;padding-top:1.5rem;color:var(--color-content-heading)}h1:first-child,h2:first-child,h3:first-child,h4:first-child,h5:first-child,h6:first-child,h1 + h2,h2 + h3,h3 + h4,h4 + h5,h5 + h6{padding-top:0}p,ul,ol,dl,address,pre,table,blockquote,fieldset{margin:0 0 1.5rem}
ul{list-style-type:disc;margin-left:2.5rem}
li{margin:0 0 0.5rem}
h1:last-child,h2:last-child,h3:last-child,h4:last-child,h5:last-child,h6:last-child,p:last-child,ul:last-child,ol:last-child,li:last-child,pre:last-child,table:last-child,address:last-child,fieldset:last-child,blockquote:last-child{margin-bottom:0}
input:not([type=submit]),textarea,select{width:100%;font-size:var(--inputs-font-size);border:var(--inputs-border-width,0px) solid transparent; background:none;transition:all 0.2s}input:not([type=submit]),select{min-height:var(--inputs-height);line-height:var(--inputs-height);padding:0 var(--inputs-padding)}
textarea{padding:calc( var(--inputs-height)/2 + var(--inputs-border-width,0px) - 0.7em ) var(--inputs-padding)}input[type=checkbox],input[type=radio]{-webkit-appearance:none;appearance:none;vertical-align:top;flex-shrink:0;font-size:.75em;text-align:center;margin-top:.2em;margin-right:.5em;line-height:1.5em;height:1.5em;width:1.5em;min-height:0!important;padding:0!important;border:var(--inputs-border-width,0px) solid transparent; box-sizing:content-box}input[type=checkbox]:before{visibility:hidden;content:'\f00c';font-family:fontawesome;font-weight:900;vertical-align:top}
.hidden{display:none!important}.i-cf:after{content:'';display:block;clear:both}
.align_left{text-align:left}
a{color:var(--color-content-link)}
.l-canvas{margin:0 auto;width:100%;flex-grow:1;background:var(--color-content-bg-grad);color:var(--color-content-text)}
@media screen and (min-width:1025px){body:not(.us_iframe){display:flex;flex-direction:column;min-height:100vh}}.l-footer{overflow:hidden;margin:0 auto;width:100%;background:var(--color-content-bg-grad);color:var(--color-content-text)}
.l-subheader,.l-section{padding-left:2.5rem;padding-right:2.5rem}.l-section{position:relative;margin:0 auto}.l-section-img{position:absolute;top:0;left:0;right:0;bottom:0;background-position:center center;background-size:cover}
.l-section-h{position:relative;margin:0 auto;width:100%;max-width:var(--site-content-width,1200px)}
.l-section.width_full{padding-left:0;padding-right:0}.l-section.width_full>.l-section-h{max-width:none!important}.l-section.height_small{padding-top:2rem;padding-bottom:2rem}
.header_hor .l-header.pos_fixed~.l-main>.l-section:first-of-type>.l-section-h,.header_hor .l-header.pos_fixed~.l-main>form>.l-section:first-of-type>.l-section-h,.header_hor .l-header.pos_static.bg_transparent~.l-main>.l-section:first-of-type>.l-section-h,.header_hor .l-header.pos_static.bg_transparent~.l-main>form>.l-section:first-of-type>.l-section-h{padding-top:var(--header-height)}
.vc_column-inner>.w-post-elm:not(:first-child)>.l-section>.l-section-h,.l-header.bg_solid~.l-main .vc_column-inner>.w-post-elm>.l-section>.l-section-h,.templatera_shortcode>.l-section>.l-section-h{padding-top:0!important}
.fal,.far,.fas,.fab,.fad{display:inline-block;line-height:1;font-family:"fontawesome";font-weight:400;font-style:normal;font-variant:normal;text-rendering:auto;-moz-osx-font-smoothing:grayscale;-webkit-font-smoothing:antialiased}
@keyframes rotation{0%{transform:rotate(0deg)}100%{transform:rotate(360deg)}}
.screen-reader-text,.screen-reader-text:focus{ position:absolute;overflow:hidden;clip:rect(1px,1px,1px,1px);-webkit-clip-path:inset(50%);clip-path:inset(50%);height:1px;width:1px;margin:-1px;padding:0;border:0;word-wrap:normal!important}
.g-breadcrumbs{line-height:1.4}.g-breadcrumbs>*{display:inline-block;vertical-align:top}.g-breadcrumbs-separator{margin:0 0.6em}.g-breadcrumbs.hide_current .g-breadcrumbs-item:last-child,.g-breadcrumbs.hide_current .g-breadcrumbs-separator:nth-last-child(2){display:none}.g-breadcrumbs.has_text_color a{color:inherit}
.wpb_text_column:not(:last-child){margin-bottom:var(--text-block-margin-bottom,0px)}
@media screen and (max-width:900px){.l-subheader{padding-left:1rem!important;padding-right:1rem!important}}@media screen and (max-width:600px){p{margin-bottom:1rem}h1,h2,h3,h4,h5,h6{padding-top:1rem}}@media screen and (max-width:600px){.w-header-show,.w-toplink{margin:10px!important}.l-subheader,.l-section{padding-left:1.5rem;padding-right:1.5rem}.l-sidebar,.l-section.height_small,.l-section.height_medium{padding-top:1.5rem;padding-bottom:1.5rem}}.fa,.fab,.fad,.fal,.far,.fas{-moz-osx-font-smoothing:grayscale;-webkit-font-smoothing:antialiased;display:inline-block;font-style:normal;font-variant:normal;text-rendering:auto;line-height:1}
@-webkit-keyframes fa-spin{0%{-webkit-transform:rotate(0deg);transform:rotate(0deg)}to{-webkit-transform:rotate(1turn);transform:rotate(1turn)}}
@keyframes fa-spin{0%{-webkit-transform:rotate(0deg);transform:rotate(0deg)}to{-webkit-transform:rotate(1turn);transform:rotate(1turn)}}
.fa-angle-right:before{content:"\f105"}
@keyframes fade{from{opacity:0}to{opacity:1}}
@keyframes fadeOut{from{opacity:1}to{opacity:0}}
@keyframes afc{from{opacity:0;transform:scale(0.1)}to{opacity:1;transform:scale(1)}}
@keyframes afl{from{opacity:0;transform:translateX(-5rem)}to{opacity:1;transform:translateX(0)}}
@keyframes afr{from{opacity:0;transform:translateX(5rem)}to{opacity:1;transform:translateX(0)}}
@keyframes aft{from{opacity:0;transform:translateY(-5rem)}to{opacity:1;transform:translateY(0)}}
@keyframes afb{from{opacity:0;transform:translateY(5rem)}to{opacity:1;transform:translateY(0)}}
@keyframes wfc{from{opacity:0;transform:scaleX(0.01)}to{opacity:1;transform:scaleX(1)}}
@keyframes hfc{from{opacity:0;transform:scaleY(0.01)}to{opacity:1;transform:scaleY(1)}}
@keyframes bounce{0%{opacity:0;transform:scale3d(0.3,0.3,0.3)}20%{transform:scale3d(1.1,1.1,1.1)}40%{transform:scale3d(0.9,0.9,0.9)}60%{opacity:1;transform:scale3d(1.03,1.03,1.03)}80%{transform:scale3d(0.97,0.97,0.97)}to{opacity:1;transform:scale3d(1,1,1)}}
.w-btn,.button,button[type=submit],input[type=submit]{display:inline-block;vertical-align:top;text-align:center;line-height:1.2; position:relative;transition-property:background,border,box-shadow,color,opacity,transform;transition-duration:0.3s;-webkit-tap-highlight-color:rgba(0,0,0,0)}
.w-btn:before,.button:before,button[type=submit]:before{content:'';position:absolute;top:0;left:0;right:0;bottom:0;border-radius:inherit;border-style:solid;border-color:inherit;border-image:inherit}
.g-cols.via_grid{display:grid;grid-gap:var(--gap,3rem)}.vc_column_container{display:flex;flex-direction:column;position:relative;border-color:var(--color-content-border)}.g-cols.via_grid>.vc_column_container{min-width:0; width:auto}
.g-cols.cols_1{grid-template-columns:100%}
.g-cols.cols_3-1{grid-template-columns:3fr 1fr}
.w-grid{clear:both}
.l-header a,.l-header .g-preloader{color:inherit}.l-subheader-cell{display:flex;align-items:center;flex-grow:1}.l-subheader-cell.at_left{justify-content:flex-start}
.l-subheader-cell.at_center{justify-content:center}.l-subheader-cell.at_center>*{margin-left:0.7rem;margin-right:0.7rem}.l-subheader-cell.at_right{justify-content:flex-end}
.l-subheader-cell:empty{display:none}
.l-header:before{content:'auto';left:-100%;position:absolute;top:-100%;visibility:hidden!important}.w-html{line-height:1.5}
@keyframes blink{0%{opacity:1}20%{opacity:0}50%{opacity:0}70%{opacity:1}100%{opacity:1}}
@keyframes scale{0%{transform:scale(0);opacity:1}100%{transform:scale(1);opacity:0}}
@keyframes scale2{0%{transform:scale(0.05);border-width:0.5em}50%{transform:scale(1);border-width:1px}100%{transform:scale(0.05);border-width:0.5em}}
@keyframes cubes-tl{0%{transform:translate(0px,0px)}20%{transform:translate(0px,0px)}60%{transform:translate(-0.15em,-0.15em) rotate(90deg)}100%{transform:translate(0px,0px) rotate(180deg)}}
@keyframes cubes-tr{0%{transform:translate(0px,0px)}20%{transform:translate(0px,0px)}60%{transform:translate(0.15em,0.15em) rotate(90deg)}100%{transform:translate(0px,0px) rotate(180deg)}}
@keyframes cubes-br{0%{transform:translate(0px,0px)}20%{transform:translate(0px,0px)}60%{transform:translate(0.15em,-0.15em) rotate(90deg)}100%{transform:translate(0px,0px) rotate(180deg)}}
@keyframes cubes-bl{0%{transform:translate(0px,0px)}20%{transform:translate(0px,0px)}60%{transform:translate(-0.15em,0.15em) rotate(90deg)}100%{transform:translate(0px,0px) rotate(180deg)}}
.w-post-elm.post_date{display:inline-block;vertical-align:top}.w-post-elm.post_image{overflow:hidden;position:relative}.w-post-elm.post_image img,.w-post-elm.post_custom_field img{vertical-align:top}
.w-post-elm.post_title{padding:0}
.w-separator{clear:both;overflow:hidden;line-height:0;height:1.5rem}
.w-separator:not(.with_content),.w-separator.with_content .w-separator-h{position:relative}
.w-separator.size_small:empty{height:1.5rem}
.w-separator.size_medium:empty{height:3rem}
@media (max-width:1024px){.w-separator.size_small:empty{height:1rem}}@media (max-width:1024px){.w-separator.size_medium:empty{height:calc(1rem + 2.5vw)}}.w-text{padding:0}
.w-vwrapper{display:flex;flex-direction:column}
.w-vwrapper>*:not(:last-child){margin-bottom:var(--vwrapper-gap,0.7rem)}

</style>
<style class="bv-critical-css" bv-identifier="https://ovza.com/wp-content/plugins/Ultimate_VC_Addons/assets/min-css/style.min.css?ver=3.21.3" id="ultimate-vc-addons-style-css">
.upb_video_class,.vc_row,.wpb_column,.wpb_row{position:relative}

</style>
<style class="bv-critical-css">
.ovza-flag-big.fi.fi-lr {  
    width: 30px !important; 
    height: 18px !important; 
    display: inline-block !important; 
    background-size: cover !important; 
    background-position: center 10% !important; /* Shifts the sprite down slightly */
    vertical-align: top;  
}

</style>
<style class="bv-critical-css">
.ovza-nav__lang-switcher-wrap{
    z-index: 5000
}

</style>
<style class="bv-critical-css">
html body .ti-widget[data-layout-id='74'][data-set-id='default'] .ti-sticky-button,
html body .ti-widget[data-layout-id='74'][data-set-id='default'] .ti-sticky-button.ti-position-right {
    
    /* 1. Force the left position to center */
    left: 50% !important;
    
    /* 2. Kill the right positioning */
    right: auto !important;
    
    /* 3. Center the element perfectly */
    transform: translateX(-50%) !important;
        
    /* Optional: Ensure z-index is high enough */
    z-index: 2147483648 !important;
}

</style>
<style class="bv-critical-css">
.bd_toc_container{width:100%!important;}.bd_toc_wrapper{padding-top:20px!important;padding-right:25px!important;padding-bottom:20px!important;padding-left:25px!important;}.bd_toc_container{margin-top:0px!important;margin-bottom:30px!important;}.bd_toc_container{background-color:#ffffff!important;}.bd_toc_container{border-top-width:1px!important;border-right-width:1px!important;border-bottom-width:1px!important;border-left-width:1px!important;border-color:#efefef!important;border-style:solid!important;}.bd_toc_header_title{font-size:22px!important;line-height:40px!important;}.bd_toc_wrapper .bd_toc_header .bd_toc_header_title{color:#2c2f32!important;}
.bd_toc_header{padding-top:0px!important;padding-right:2px!important;padding-bottom:0px!important;padding-left:0px!important;}.bd_toc_header.active{margin-top:0px!important;margin-right:0px!important;margin-bottom:15px!important;margin-left:0px!important;}.bd_toc_content_list .bd_toc_content_list_item ul > li > a{font-size:14px!important;line-height:20px!important;}.bd_toc_wrapper .bd_toc_wrapper_item .bd_toc_content .bd_toc_content_list_item ul li a{padding-top:12px!important;padding-right:45px!important;padding-bottom:12px!important;padding-left:15px!important;}.bd_toc_wrapper .bd_toc_wrapper_item .bd_toc_content .bd_toc_content_list_item ul li a{margin-top:0px!important;margin-right:0px!important;margin-bottom:0px!important;margin-left:0px!important;}.bd_toc_wrapper .bd_toc_wrapper_item .bd_toc_content .bd_toc_content_list ul li a{border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;border-color:#ffffff;border-style:solid;}.bd_toc_content{background-color:#ffffff!important;}.bd_toc_wrapper .bd_toc_wrapper_item .bd_toc_content .bd_toc_content_list ul li a{background-color:#ffffff!important;}
.bd_toc_wrapper .bd_toc_wrapper_item .bd_toc_content .bd_toc_content_list ul li a, .bd_toc_container .bd_toc_wrapper .bd_toc_content_list_item ul li .collaps-button .toggle-icon{color:#2c2f32;}
.bd_toc_widget_floating .bd_toc_floating_content{border-top-width:1px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;border-color:#efefef;border-style:solid;}.bd_toc_widget_floating .bd_toc_floating_content{background-color:#FFFFFF!important;}
.bd_toc_progress_bar .bd_toc_widget_progress_bar{background-color:#1db38d!important;}

</style>
<style class="bv-critical-css" bv-identifier="wp-custom-css" id="wp-custom-css">
.trp-shortcode-arrow {
    width: 12px;
}
.trp-current-language-item__wrapper:not(.trp-hide-arrow) {
width:86px;
}
@media (min-width: 768px) {.trp-shortcode-switcher{
	padding: 4px 1px 4px 4px !important;
}}@media (min-width: 768px) {.ovza-nav__link{
	padding: 8px 10px !important;
}}@media (max-width: 768px) {.trp-switcher-dropdown-list{
		padding-left:5px !important;
	}}@media (max-width: 768px) {.trp-language-switcher{
		border-radius:15px;
	}}@media (max-width: 768px) {.trp-current-language-item__wrapper{
		padding: 4px 8px 3px 6px !important;
	}}@media (max-width: 768px) {.ovza-nav__bar{
	gap:5px !important;
}}@media (max-width: 768px) {.ovza-nav__lang-switcher-wrap{
		margin-top:1.8% !important;
	}}.trp-flag-image{
	width:22px !important;
}
.trp-shortcode-switcher{
	border: 2px solid #10b981;
}
.trp-language-item{
	padding:0px 10px !important;
}
.trp-shortcode-switcher{
	padding:3px 0px;
}
.ovza-nav__bar{
	padding:0px !important;
}
.trp-language-item-name{
	font-size:12px;
	font-weight:700;
 	margin-left: -2px !important;
}
@media (max-width: 991px) {.ovza-mobile-lang{
		padding:22px !important;
	}}@media (max-width: 991px) {.trp-current-language-item__wrapper:not(.trp-hide-arrow) {
width:90px;
}}@media (max-width: 991px) {.ovza-nav__left{
		margin-left:10px !important;
	}}@media (max-width: 991px) {.ovza-nav__bar{
	gap:5px !important;
}}@media (max-width: 991px) {.ovza-nav__bar	.ovza-nav__lang-switcher-wrap{
		display:none;
	}}@media (max-width: 991px) {.ovza-nav__lang-switcher-wrap{
		margin-top:2% !important;
	}}.ovza-nav__bar{
	padding:0px !important;
}
.trp-flag-image{
	width:22px !important;
}
.trp-language-item{
	padding:0px 10px !important;
}
.trp-shortcode-switcher{
	padding:3px 0px;
}
.trp-language-item{
	margin:5px 0px !important;
}
.trp-shortcode-switcher{
	border: 2px solid #10B981;
}
.ovza-mobile-lang{
		padding:22px;
	}
.ovza-mobile-lang {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    padding: 22px 24px;
    font-size: 15px;
    font-weight: 600;
    color: var(--text-main);
    border-bottom: 1px solid var(--border);
    background: transparent;
  }
.ovza-drawer__footer{
/* 		position: absolute; */
		margin-top:auto !important;
    bottom: 20px; 
    left: 20px;   
    right: 20px;  
    color: white;
    padding: 12px 0;
    text-align: center;
    border-radius: 6px;
	}
.ovza-mobile-lang__left {
    display: flex;
    align-items: center;
    gap: 10px; /* Matching the space between icon and text of other menu options */
  }
svg.ovza-mobile-lang__icon {
    display: block !important;
    visibility: visible !important;
    flex-shrink: 0;
    color: var(--text-main);
  }
.ovza-mobile-lang__right {
    display: inline-flex;
    align-items: center;
  }
.ovza-mobile-lang__right version,
  .ovza-mobile-lang__right select,
  .ovza-mobile-lang__right div {
    font-family: var(--font);
  }
button.frm_button_submit.frm_final_submit {
    margin: 0 !important;
}
.side-contact input {
	height: 35px !important;
}
.g-cols.via_grid {
	gap: 0px;
}
.grecaptcha-badge {
  /* Adjust vertical alignment */
	bottom: 110px !important;
	/* Keep above TOC */
	z-index: 99999;
}
.custom-post-content a {
	color: #148a64;
	text-decoration: underline;
}
.custom-post-content p {
	margin: 20px 0px;
}
.with_frm_style .frm_checkbox {
    text-decoration: none!important;
}
@media (max-width: 768px) {.custom-post-content {
		padding: 4px;
		width: 100%;
	}}@media (max-width: 480px) {.custom-post-content {
		padding: 8px;
	}}.wp-post-image {
	max-width: 100%;
}
.wp-post-image {
	width: 100% !important;
}
button.frm_button_submit.frm_final_submit{
	background: linear-gradient(to right, #4EBFA3, #22C885) !important;
	border:none !important;
	padding: 15px 20px !important;
	border-radius: 10px !important;
}
.w-btn:before, .button:before, button[type=submit]:before{
	display:none !important;
}
.frm_submit.frm_flex{
	display:flex;
}
.frm_submit.frm_flex {
  display: flex;
  justify-content: flex-end; 
	/* pushes button to the right */
}
h1.w-post-elm.post_title {
	margin-bottom: 0px !important;
}
h1, h2, h3, h4, h5, h6, p, a, li {
    font-family: "Poppins", sans-serif !important;
}
footer#page-footer {
    position: relative;
    background-image: url(data:image/svg+xml;base64,PHN2ZyB2aWV3Qm94PSIwIDAgMTg5MiAxMjYxIiB3aWR0aD0iMTg5MiIgaGVpZ2h0PSIxMjYxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIGJ2LWltZy11cmw9Imh0dHBzOi8vb3Z6YS5jb20vd3AtY29udGVudC91cGxvYWRzL2FsX29wdF9jb250ZW50L0lNQUdFL292emEuY29tL3dwLWNvbnRlbnQvdXBsb2Fkcy8yMDI1LzA5L2JnZm9vdGVyLnBuZyIgYnYtYmctc3R5bGU9IiIgYnYtcmVzaXplZC1pbmZvcz0iTkRnd09qUTRNQ296TWpBN09ESXdPamd5TUNvMU5EYzdNVFV6TmpveE5UTTJLakV3TWpRPSI+PC9zdmc+);
    background-repeat: no-repeat;
    background-position: center bottom;
    background-size: cover;
    color: var(--color-footer-text);
}
.l-subheader.at_middle .l-subheader-cell.at_left, .l-subheader.at_middle .l-subheader-cell.at_right {
					display: flex;
		flex-basis: content !important;}
@media (max-width: 991px){}@media (max-width: 991px){body.ovza-header-mode--transparent-sticky #page-header,
  body.ovza-header-mode--transparent-sticky #page-header .l-subheader,
  body.ovza-header-mode--transparent-sticky #page-header .l-subheader-h,
  body.ovza-header-mode--transparent-sticky #page-header .l-subheader-cell,
  body.ovza-header-mode--transparent-not-sticky #page-header,
  body.ovza-header-mode--transparent-not-sticky #page-header .l-subheader,
  body.ovza-header-mode--transparent-not-sticky #page-header .l-subheader-h,
  body.ovza-header-mode--transparent-not-sticky #page-header .l-subheader-cell{
    background: transparent !important;
    box-shadow: none !important;
  }}.ovza-mobile-card__text{
	    text-align: left;
}
.ovza-mobile-partner,.ovza-mobile-about {
	    padding: 8px 0PX !important;
}

</style>
<style class="bv-critical-css" bv-identifier="us-icon-fonts" id="us-icon-fonts">
.far{font-family:"fontawesome";font-weight:400}






</style>
<style class="bv-critical-css" bv-identifier="us-theme-options-css" id="us-theme-options-css">
:root{--color-header-middle-bg:#fff;--color-header-middle-bg-grad:#fff;--color-header-middle-text:#000000;--color-header-middle-text-hover:#1db38d;--color-header-transparent-bg:transparent;--color-header-transparent-bg-grad:transparent;--color-header-transparent-text:#ffffff;--color-header-transparent-text-hover:#000000;--color-chrome-toolbar:#f2f4f7;--color-chrome-toolbar-grad:#f2f4f7;--color-header-top-bg:#f2f4f7;--color-header-top-bg-grad:#f2f4f7;--color-header-top-text:#727f9f;--color-header-top-text-hover:#646cfd;--color-header-top-transparent-bg:rgba(0,0,0,0.2);--color-header-top-transparent-bg-grad:rgba(0,0,0,0.2);--color-header-top-transparent-text:rgba(255,255,255,0.66);--color-header-top-transparent-text-hover:#fff;--color-content-bg:#fff;--color-content-bg-grad:#fff;--color-content-bg-alt:#f2f4f7;--color-content-bg-alt-grad:#f2f4f7;--color-content-border:#e3e7f0;--color-content-heading:#0f131f;--color-content-heading-grad:#0f131f;--color-content-text:#000000;--color-content-link:#1db38d;--color-content-link-hover:#000000;--color-content-primary:#1db38d;--color-content-primary-grad:linear-gradient(90deg,#1db38d,#22c687);--color-content-secondary:#22c687;--color-content-secondary-grad:#22c687;--color-content-faded:#727f9f;--color-content-overlay:rgba(15,19,31,0.80);--color-content-overlay-grad:rgba(15,19,31,0.80);--color-alt-content-bg:#f2f4f7;--color-alt-content-bg-grad:#f2f4f7;--color-alt-content-bg-alt:#fff;--color-alt-content-bg-alt-grad:#fff;--color-alt-content-border:#e3e7f0;--color-alt-content-heading:#000000;--color-alt-content-heading-grad:#000000;--color-alt-content-text:#000000;--color-alt-content-link:#000000;--color-alt-content-link-hover:#1db38d;--color-alt-content-primary:#22c687;--color-alt-content-primary-grad:#22c687;--color-alt-content-secondary:#1db38d;--color-alt-content-secondary-grad:linear-gradient(90deg,#1db38d,#22c687);--color-alt-content-faded:#727f9f;--color-alt-content-overlay:rgba(100,108,253,0.85);--color-alt-content-overlay-grad:rgba(100,108,253,0.85);--color-footer-bg:#1db38d;--color-footer-bg-grad:#1db38d;--color-footer-bg-alt:#ffffff;--color-footer-bg-alt-grad:#ffffff;--color-footer-border:#2b3242;--color-footer-heading:#fff;--color-footer-heading-grad:#fff;--color-footer-text:#ffffff;--color-footer-link:#ffffff;--color-footer-link-hover:#1c2130;--color-subfooter-bg:#000000;--color-subfooter-bg-grad:#000000;--color-subfooter-bg-alt:#2b3242;--color-subfooter-bg-alt-grad:#2b3242;--color-subfooter-border:#727f9f;--color-subfooter-heading:#1db38d;--color-subfooter-heading-grad:#1db38d;--color-subfooter-text:#ffffff;--color-subfooter-link:#ffffff;--color-subfooter-link-hover:#1db38d;--color-content-primary-faded:rgba(29,179,141,0.15);--box-shadow:0 5px 15px rgba(0,0,0,.15);--box-shadow-up:0 -5px 15px rgba(0,0,0,.15);--site-canvas-width:1300px;--site-content-width:1200px;--text-block-margin-bottom:0rem;--inputs-font-size:1rem;--inputs-height:2.8rem;--inputs-padding:0.8rem;--inputs-border-width:0px;--inputs-text-color:var(--color-content-text)}
:root{--font-family:Poppins,sans-serif;--font-size:16px;--line-height:28px;--font-weight:400;--bold-font-weight:700;--text-transform:none;--font-style:normal;--letter-spacing:0em;--h1-font-family:Poppins,sans-serif;--h1-font-size:calc(32px + 2vw);--h1-line-height:1.2;--h1-font-weight:400;--h1-bold-font-weight:700;--h1-text-transform:none;--h1-font-style:normal;--h1-letter-spacing:0em;--h1-margin-bottom:1.5rem;--h2-font-family:var(--h1-font-family);--h2-font-size:calc(22px + 1.3vw);--h2-line-height:1.2;--h2-font-weight:var(--h1-font-weight);--h2-bold-font-weight:var(--h1-bold-font-weight);--h2-text-transform:var(--h1-text-transform);--h2-font-style:var(--h1-font-style);--h2-letter-spacing:0em;--h2-margin-bottom:1.5rem;--h3-font-family:var(--h1-font-family);--h3-font-size:calc(19px + 1vw);--h3-line-height:1.2;--h3-font-weight:var(--h1-font-weight);--h3-bold-font-weight:var(--h1-bold-font-weight);--h3-text-transform:var(--h1-text-transform);--h3-font-style:var(--h1-font-style);--h3-letter-spacing:0em;--h3-margin-bottom:1.5rem;--h4-font-family:var(--h1-font-family);--h4-font-size:calc(17px + 0.9vw);--h4-line-height:1.2;--h4-font-weight:var(--h1-font-weight);--h4-bold-font-weight:var(--h1-bold-font-weight);--h4-text-transform:var(--h1-text-transform);--h4-font-style:var(--h1-font-style);--h4-letter-spacing:0em;--h4-margin-bottom:1.5rem;--h4-color:var(--color-header-middle-text-hover);--h5-font-family:var(--h1-font-family);--h5-font-size:calc(16px + 0.8vw);--h5-line-height:1.2;--h5-font-weight:var(--h1-font-weight);--h5-bold-font-weight:var(--h1-bold-font-weight);--h5-text-transform:var(--h1-text-transform);--h5-font-style:var(--h1-font-style);--h5-letter-spacing:0em;--h5-margin-bottom:1.5rem;--h6-font-family:var(--h1-font-family);--h6-font-size:calc(15px + 0.8vw);--h6-line-height:1.2;--h6-font-weight:var(--h1-font-weight);--h6-bold-font-weight:var(--h1-bold-font-weight);--h6-text-transform:var(--h1-text-transform);--h6-font-style:var(--h1-font-style);--h6-letter-spacing:0em;--h6-margin-bottom:1.5rem}
@media (min-width:1025px) and (max-width:1380px){:root{--font-family:Poppins,sans-serif;--font-size:16px;--line-height:28px;--font-weight:400;--bold-font-weight:700;--text-transform:none;--font-style:normal;--letter-spacing:0em;--h1-font-family:Poppins,sans-serif;--h1-font-size:calc(32px + 2vw);--h1-line-height:1.2;--h1-font-weight:400;--h1-bold-font-weight:700;--h1-text-transform:none;--h1-font-style:normal;--h1-letter-spacing:0em;--h1-margin-bottom:1.5rem;--h2-font-family:var(--h1-font-family);--h2-font-size:calc(22px + 1.3vw);--h2-line-height:1.2;--h2-font-weight:var(--h1-font-weight);--h2-bold-font-weight:var(--h1-bold-font-weight);--h2-text-transform:var(--h1-text-transform);--h2-font-style:var(--h1-font-style);--h2-letter-spacing:0em;--h2-margin-bottom:1.5rem;--h3-font-family:var(--h1-font-family);--h3-font-size:calc(19px + 1vw);--h3-line-height:1.2;--h3-font-weight:var(--h1-font-weight);--h3-bold-font-weight:var(--h1-bold-font-weight);--h3-text-transform:var(--h1-text-transform);--h3-font-style:var(--h1-font-style);--h3-letter-spacing:0em;--h3-margin-bottom:1.5rem;--h4-font-family:var(--h1-font-family);--h4-font-size:calc(17px + 0.9vw);--h4-line-height:1.2;--h4-font-weight:var(--h1-font-weight);--h4-bold-font-weight:var(--h1-bold-font-weight);--h4-text-transform:var(--h1-text-transform);--h4-font-style:var(--h1-font-style);--h4-letter-spacing:0em;--h4-margin-bottom:1.5rem;--h4-color:var(--color-header-middle-text-hover);--h5-font-family:var(--h1-font-family);--h5-font-size:calc(16px + 0.8vw);--h5-line-height:1.2;--h5-font-weight:var(--h1-font-weight);--h5-bold-font-weight:var(--h1-bold-font-weight);--h5-text-transform:var(--h1-text-transform);--h5-font-style:var(--h1-font-style);--h5-letter-spacing:0em;--h5-margin-bottom:1.5rem;--h6-font-family:var(--h1-font-family);--h6-font-size:calc(15px + 0.8vw);--h6-line-height:1.2;--h6-font-weight:var(--h1-font-weight);--h6-bold-font-weight:var(--h1-bold-font-weight);--h6-text-transform:var(--h1-text-transform);--h6-font-style:var(--h1-font-style);--h6-letter-spacing:0em;--h6-margin-bottom:1.5rem}}
@media (min-width:601px) and (max-width:1024px){:root{--font-family:Poppins,sans-serif;--font-size:16px;--line-height:28px;--font-weight:400;--bold-font-weight:700;--text-transform:none;--font-style:normal;--letter-spacing:0em;--h1-font-family:Poppins,sans-serif;--h1-font-size:calc(32px + 2vw);--h1-line-height:1.2;--h1-font-weight:400;--h1-bold-font-weight:700;--h1-text-transform:none;--h1-font-style:normal;--h1-letter-spacing:0em;--h1-margin-bottom:1.5rem;--h2-font-family:var(--h1-font-family);--h2-font-size:calc(22px + 1.3vw);--h2-line-height:1.2;--h2-font-weight:var(--h1-font-weight);--h2-bold-font-weight:var(--h1-bold-font-weight);--h2-text-transform:var(--h1-text-transform);--h2-font-style:var(--h1-font-style);--h2-letter-spacing:0em;--h2-margin-bottom:1.5rem;--h3-font-family:var(--h1-font-family);--h3-font-size:calc(19px + 1vw);--h3-line-height:1.2;--h3-font-weight:var(--h1-font-weight);--h3-bold-font-weight:var(--h1-bold-font-weight);--h3-text-transform:var(--h1-text-transform);--h3-font-style:var(--h1-font-style);--h3-letter-spacing:0em;--h3-margin-bottom:1.5rem;--h4-font-family:var(--h1-font-family);--h4-font-size:calc(17px + 0.9vw);--h4-line-height:1.2;--h4-font-weight:var(--h1-font-weight);--h4-bold-font-weight:var(--h1-bold-font-weight);--h4-text-transform:var(--h1-text-transform);--h4-font-style:var(--h1-font-style);--h4-letter-spacing:0em;--h4-margin-bottom:1.5rem;--h4-color:var(--color-header-middle-text-hover);--h5-font-family:var(--h1-font-family);--h5-font-size:calc(16px + 0.8vw);--h5-line-height:1.2;--h5-font-weight:var(--h1-font-weight);--h5-bold-font-weight:var(--h1-bold-font-weight);--h5-text-transform:var(--h1-text-transform);--h5-font-style:var(--h1-font-style);--h5-letter-spacing:0em;--h5-margin-bottom:1.5rem;--h6-font-family:var(--h1-font-family);--h6-font-size:calc(15px + 0.8vw);--h6-line-height:1.2;--h6-font-weight:var(--h1-font-weight);--h6-bold-font-weight:var(--h1-bold-font-weight);--h6-text-transform:var(--h1-text-transform);--h6-font-style:var(--h1-font-style);--h6-letter-spacing:0em;--h6-margin-bottom:1.5rem}}@media (max-width:600px){:root{--font-family:Poppins,sans-serif;--font-size:16px;--line-height:28px;--font-weight:400;--bold-font-weight:700;--text-transform:none;--font-style:normal;--letter-spacing:0em;--h1-font-family:Poppins,sans-serif;--h1-font-size:calc(32px + 2vw);--h1-line-height:1.2;--h1-font-weight:400;--h1-bold-font-weight:700;--h1-text-transform:none;--h1-font-style:normal;--h1-letter-spacing:0em;--h1-margin-bottom:1.5rem;--h2-font-family:var(--h1-font-family);--h2-font-size:calc(22px + 1.3vw);--h2-line-height:1.2;--h2-font-weight:var(--h1-font-weight);--h2-bold-font-weight:var(--h1-bold-font-weight);--h2-text-transform:var(--h1-text-transform);--h2-font-style:var(--h1-font-style);--h2-letter-spacing:0em;--h2-margin-bottom:1.5rem;--h3-font-family:var(--h1-font-family);--h3-font-size:calc(19px + 1vw);--h3-line-height:1.2;--h3-font-weight:var(--h1-font-weight);--h3-bold-font-weight:var(--h1-bold-font-weight);--h3-text-transform:var(--h1-text-transform);--h3-font-style:var(--h1-font-style);--h3-letter-spacing:0em;--h3-margin-bottom:1.5rem;--h4-font-family:var(--h1-font-family);--h4-font-size:calc(17px + 0.9vw);--h4-line-height:1.2;--h4-font-weight:var(--h1-font-weight);--h4-bold-font-weight:var(--h1-bold-font-weight);--h4-text-transform:var(--h1-text-transform);--h4-font-style:var(--h1-font-style);--h4-letter-spacing:0em;--h4-margin-bottom:1.5rem;--h4-color:var(--color-header-middle-text-hover);--h5-font-family:var(--h1-font-family);--h5-font-size:calc(16px + 0.8vw);--h5-line-height:1.2;--h5-font-weight:var(--h1-font-weight);--h5-bold-font-weight:var(--h1-bold-font-weight);--h5-text-transform:var(--h1-text-transform);--h5-font-style:var(--h1-font-style);--h5-letter-spacing:0em;--h5-margin-bottom:1.5rem;--h6-font-family:var(--h1-font-family);--h6-font-size:calc(15px + 0.8vw);--h6-line-height:1.2;--h6-font-weight:var(--h1-font-weight);--h6-bold-font-weight:var(--h1-bold-font-weight);--h6-text-transform:var(--h1-text-transform);--h6-font-style:var(--h1-font-style);--h6-letter-spacing:0em;--h6-margin-bottom:1.5rem}}h1{font-family:var(--h1-font-family,inherit);font-weight:var(--h1-font-weight,inherit);font-size:var(--h1-font-size,inherit);font-style:var(--h1-font-style,inherit);line-height:var(--h1-line-height,1.4);letter-spacing:var(--h1-letter-spacing,inherit);text-transform:var(--h1-text-transform,inherit);margin-bottom:var(--h1-margin-bottom,1.5rem)}
h5{font-family:var(--h5-font-family,inherit);font-weight:var(--h5-font-weight,inherit);font-size:var(--h5-font-size,inherit);font-style:var(--h5-font-style,inherit);line-height:var(--h5-line-height,1.4);letter-spacing:var(--h5-letter-spacing,inherit);text-transform:var(--h5-text-transform,inherit);margin-bottom:var(--h5-margin-bottom,1.5rem)}
body{background:var(--color-content-bg-alt)}
@media (min-width:1381px){}@media (min-width:1381px){.vc_hidden-lg,body:not(.usb_preview) .hide_on_default{display:none!important}}@media (min-width:1025px) and (max-width:1380px){body.usb_preview .hide_on_laptops{opacity:0.25!important}.vc_hidden-md,body:not(.usb_preview) .hide_on_laptops{display:none!important}.laptops_align_left{text-align:left;justify-content:flex-start}.laptops_align_right{text-align:right;justify-content:flex-end}.laptops_align_center{text-align:center;justify-content:center}.laptops_align_justify{justify-content:space-between}.w-hwrapper>.laptops_align_justify,.laptops_align_justify>.w-btn{width:100%}.g-cols.via_grid[style*="--laptops-gap"]{grid-gap:var(--laptops-gap,3rem)}}
@media (min-width:601px) and (max-width:1024px){}@media (min-width:601px) and (max-width:1024px){.vc_hidden-sm,body:not(.usb_preview) .hide_on_tablets{display:none!important}}@media (max-width:600px){}@media (max-width:600px){.vc_hidden-xs,body:not(.usb_preview) .hide_on_mobiles{display:none!important}}@media (max-width:600px){.g-cols.mobiles-cols_1{grid-template-columns:100%}}@media (max-width:600px){.g-cols:not([style*="--gap"]){grid-gap:1.5rem}}@media (max-width:599px){.l-canvas{overflow:hidden}}@media (max-width:599px){.g-cols.stacking_default.via_grid.mobiles-cols_1{grid-template-columns:100%}}a,button,input[type=submit],.ui-slider-handle{outline:none!important}.w-header-show{background:rgba(0,0,0,0.3)}
button[type=submit]:not(.w-btn),input[type=submit]:not(.w-btn),.woocommerce .button.alt,.woocommerce .button.checkout,.woocommerce .button.add_to_cart_button,.us-nav-style_1>*,.navstyle_1>.owl-nav button,.us-btn-style_1{font-size:16px;line-height:1.2!important;font-weight:700;font-style:normal;text-transform:none;letter-spacing:0em;border-radius:10px;padding:1em 0.9em;background:var(--color-content-primary-grad);border-color:transparent;color:#ffffff!important}button[type=submit]:not(.w-btn):before,input[type=submit]:not(.w-btn),.woocommerce .button.alt:before,.woocommerce .button.checkout:before,.woocommerce .button.add_to_cart_button:before,.us-nav-style_1>*:before,.navstyle_1>.owl-nav button:before,.us-btn-style_1:before{border-width:0px}
.w-filter.state_desktop.style_drop_default .w-filter-item-title,.select2-selection,select,textarea,input:not([type=submit]){font-weight:400;letter-spacing:0em;border-radius:0.3rem;background:var(--color-content-bg-alt);color:var(--color-content-text)}

</style>
<style class="bv-critical-css" bv-identifier="us-current-header-css" id="us-current-header-css">
.l-subheader.at_middle,.l-subheader.at_middle .w-dropdown-list,.l-subheader.at_middle .type_mobile .w-nav-list.level_1{background:var(--color-header-transparent-bg);color:var(--color-header-middle-text)}
.l-header.bg_transparent:not(.sticky) .l-subheader.at_middle{background:var(--color-header-transparent-bg);color:var(--color-header-transparent-text)}
@media (min-width:1381px){}@media (min-width:1381px){.l-header{position:relative;z-index:111;width:100%}.l-subheader{margin:0 auto}}@media (min-width:1381px){.l-subheader-h{display:flex;align-items:center;position:relative;margin:0 auto;max-width:var(--site-content-width,1200px);height:inherit}.w-header-show{display:none}.l-header.pos_fixed{position:fixed;left:0}.l-header.pos_fixed:not(.notransition) .l-subheader{transition-property:transform,background,box-shadow,line-height,height;transition-duration:.3s;transition-timing-function:cubic-bezier(.78,.13,.15,.86)}}@media (min-width:1381px){.l-header.bg_transparent:not(.sticky) .l-subheader{box-shadow:none!important;background:none}}@media (min-width:1381px){.l-header.shadow_thin .l-subheader.at_middle,.l-header.shadow_thin .l-subheader.at_bottom{box-shadow:0 1px 0 rgba(0,0,0,0.08)}}@media (min-width:1381px){:root{--header-height:80px;--header-sticky-height:60px}.l-header:before{content:'80'}}@media (min-width:1381px){.l-subheader.at_middle{line-height:80px;height:80px}}@media (min-width:1381px){.l-subheader.at_middle .l-subheader-cell.at_left,.l-subheader.at_middle .l-subheader-cell.at_right{display:flex;flex-basis:100px}}@media (min-width:1025px) and (max-width:1380px){.hidden_for_laptops{display:none!important}.l-subheader.at_top{display:none}.l-subheader.at_bottom{display:none}.l-header{position:relative;z-index:111;width:100%}.l-subheader{margin:0 auto}.l-subheader.width_full{padding-left:1.5rem;padding-right:1.5rem}.l-subheader-h{display:flex;align-items:center;position:relative;margin:0 auto;max-width:var(--site-content-width,1200px);height:inherit}.w-header-show{display:none}.l-header.pos_fixed{position:fixed;left:0}.l-header.pos_fixed:not(.notransition) .l-subheader{transition-property:transform,background,box-shadow,line-height,height;transition-duration:.3s;transition-timing-function:cubic-bezier(.78,.13,.15,.86)}.headerinpos_bottom.sticky_first_section .l-header.pos_fixed{position:fixed!important}.header_hor .l-header.sticky_auto_hide{transition:transform .3s cubic-bezier(.78,.13,.15,.86) .1s}.header_hor .l-header.sticky_auto_hide.down{transform:translateY(-110%)}.l-header.bg_transparent:not(.sticky) .l-subheader{box-shadow:none!important;background:none}.l-header.bg_transparent~.l-main .l-section.width_full.height_auto:first-of-type>.l-section-h{padding-top:0!important;padding-bottom:0!important}.l-header.pos_static.bg_transparent{position:absolute;left:0}.l-subheader.width_full .l-subheader-h{max-width:none!important}.l-header.shadow_thin .l-subheader.at_middle,.l-header.shadow_thin .l-subheader.at_bottom{box-shadow:0 1px 0 rgba(0,0,0,0.08)}.l-header.shadow_wide .l-subheader.at_middle,.l-header.shadow_wide .l-subheader.at_bottom{box-shadow:0 3px 5px -1px rgba(0,0,0,0.1),0 2px 1px -1px rgba(0,0,0,0.05)}.header_hor .l-subheader-cell>.w-cart{margin-left:0;margin-right:0}:root{--header-height:80px;--header-sticky-height:60px}.l-header:before{content:'80'}.l-header.sticky:before{content:'60'}.l-subheader.at_top{line-height:40px;height:40px}.l-header.sticky .l-subheader.at_top{line-height:40px;height:40px}.l-subheader.at_middle{line-height:80px;height:80px}.l-header.sticky .l-subheader.at_middle{line-height:60px;height:60px}.l-subheader.at_bottom{line-height:50px;height:50px}.l-header.sticky .l-subheader.at_bottom{line-height:50px;height:50px}.l-subheader.at_middle .l-subheader-cell.at_left,.l-subheader.at_middle .l-subheader-cell.at_right{display:flex;flex-basis:100px}.headerinpos_above .l-header.pos_fixed{overflow:hidden;transition:transform 0.3s;transform:translate3d(0,-100%,0)}.headerinpos_above .l-header.pos_fixed.sticky{overflow:visible;transform:none}.headerinpos_above .l-header.pos_fixed~.l-section>.l-section-h,.headerinpos_above .l-header.pos_fixed~.l-main .l-section:first-of-type>.l-section-h{padding-top:0!important}.headerinpos_below .l-header.pos_fixed:not(.sticky){position:absolute;top:100%}.headerinpos_below .l-header.pos_fixed~.l-main>.l-section:first-of-type>.l-section-h{padding-top:0!important}.headerinpos_below .l-header.pos_fixed~.l-main .l-section.full_height:nth-of-type(2){min-height:100vh}.headerinpos_below .l-header.pos_fixed~.l-main>.l-section:nth-of-type(2)>.l-section-h{padding-top:var(--header-height)}.headerinpos_bottom .l-header.pos_fixed:not(.sticky){position:absolute;top:100vh}.headerinpos_bottom .l-header.pos_fixed~.l-main>.l-section:first-of-type>.l-section-h{padding-top:0!important}.headerinpos_bottom .l-header.pos_fixed~.l-main>.l-section:first-of-type>.l-section-h{padding-bottom:var(--header-height)}.headerinpos_bottom .l-header.pos_fixed.bg_transparent~.l-main .l-section.valign_center:not(.height_auto):first-of-type>.l-section-h{top:calc( var(--header-height) / 2 )}.headerinpos_bottom .l-header.pos_fixed:not(.sticky) .w-cart-dropdown,.headerinpos_bottom .l-header.pos_fixed:not(.sticky) .w-nav.type_desktop .w-nav-list.level_2{bottom:100%;transform-origin:0 100%}.headerinpos_bottom .l-header.pos_fixed:not(.sticky) .w-nav.type_mobile.m_layout_dropdown .w-nav-list.level_1{top:auto;bottom:100%;box-shadow:var(--box-shadow-up)}.headerinpos_bottom .l-header.pos_fixed:not(.sticky) .w-nav.type_desktop .w-nav-list.level_3,.headerinpos_bottom .l-header.pos_fixed:not(.sticky) .w-nav.type_desktop .w-nav-list.level_4{top:auto;bottom:0;transform-origin:0 100%}.headerinpos_bottom .l-header.pos_fixed:not(.sticky) .w-dropdown-list{top:auto;bottom:-0.4em;padding-top:0.4em;padding-bottom:2.4em}.admin-bar .l-header.pos_static.bg_solid~.l-main .l-section.full_height:first-of-type{min-height:calc( 100vh - var(--header-height) - 32px )}.admin-bar .l-header.pos_fixed:not(.sticky_auto_hide)~.l-main .l-section.full_height:not(:first-of-type){min-height:calc( 100vh - var(--header-sticky-height) - 32px )}.admin-bar.headerinpos_below .l-header.pos_fixed~.l-main .l-section.full_height:nth-of-type(2){min-height:calc(100vh - 32px)}}
@media (min-width:601px) and (max-width:1024px){}@media (min-width:601px) and (max-width:1024px){.l-header{position:relative;z-index:111;width:100%}.l-subheader{margin:0 auto}}@media (min-width:601px) and (max-width:1024px){.l-subheader-h{display:flex;align-items:center;position:relative;margin:0 auto;max-width:var(--site-content-width,1200px);height:inherit}.w-header-show{display:none}.l-header.pos_fixed{position:fixed;left:0}.l-header.pos_fixed:not(.notransition) .l-subheader{transition-property:transform,background,box-shadow,line-height,height;transition-duration:.3s;transition-timing-function:cubic-bezier(.78,.13,.15,.86)}}@media (min-width:601px) and (max-width:1024px){.l-header.bg_transparent:not(.sticky) .l-subheader{box-shadow:none!important;background:none}}@media (min-width:601px) and (max-width:1024px){.l-header.shadow_thin .l-subheader.at_middle,.l-header.shadow_thin .l-subheader.at_bottom{box-shadow:0 1px 0 rgba(0,0,0,0.08)}}@media (min-width:601px) and (max-width:1024px){:root{--header-height:65px;--header-sticky-height:60px}.l-header:before{content:'65'}}@media (min-width:601px) and (max-width:1024px){.l-subheader.at_middle{line-height:65px;height:65px}}@media (min-width:601px) and (max-width:1024px){.l-subheader.at_middle .l-subheader-cell.at_left,.l-subheader.at_middle .l-subheader-cell.at_right{display:flex;flex-basis:100px}}@media (max-width:600px){}@media (max-width:600px){.l-header{position:relative;z-index:111;width:100%}.l-subheader{margin:0 auto}}@media (max-width:600px){.l-subheader-h{display:flex;align-items:center;position:relative;margin:0 auto;max-width:var(--site-content-width,1200px);height:inherit}.w-header-show{display:none}.l-header.pos_fixed{position:fixed;left:0}.l-header.pos_fixed:not(.notransition) .l-subheader{transition-property:transform,background,box-shadow,line-height,height;transition-duration:.3s;transition-timing-function:cubic-bezier(.78,.13,.15,.86)}}@media (max-width:600px){.l-header.bg_transparent:not(.sticky) .l-subheader{box-shadow:none!important;background:none}}@media (max-width:600px){.l-header.shadow_thin .l-subheader.at_middle,.l-header.shadow_thin .l-subheader.at_bottom{box-shadow:0 1px 0 rgba(0,0,0,0.08)}}@media (max-width:600px){:root{--header-height:60px;--header-sticky-height:60px}.l-header:before{content:'60'}}@media (max-width:600px){.l-subheader.at_middle{line-height:60px;height:60px}}@media (max-width:600px){.l-subheader.at_middle .l-subheader-cell.at_left,.l-subheader.at_middle .l-subheader-cell.at_right{display:flex;flex-basis:100px}}
</style>
<style class="bv-critical-css" bv-identifier="us-custom-css" id="us-custom-css">
.us_custom_1f257949{text-align:center}
@keyframes orbit{0%{transform:rotate(0deg) translateX(30px) rotate(0deg)}100%{transform:rotate(360deg) translateX(70px) rotate(-360deg)}}
@keyframes border-animation{0%{clip-path:inset(0% 100% 0% 0%)}25%{clip-path:inset(0% 0% 100% 0%)}50%{clip-path:inset(0% 0% 0% 100%)}75%{clip-path:inset(100% 0% 0% 0%)}100%{clip-path:inset(0% 100% 0% 0%)}}
a{color:#000; text-decoration:none}
.us_custom_1f257949{align-items:center!important;text-align:left!important}
.us_custom_8b3d6790{padding-bottom:25px}

</style>
<style class="bv-critical-css" bv-identifier="us-design-options-css" id="us-design-options-css">
.us_custom_f05bea1e{padding-left:0!important;padding-top:0!important}.us_custom_1f257949{text-align:left!important}
.us_custom_8b3d6790{color:var(--color-header-middle-bg)!important}.us_custom_eb849559{text-align:center!important}
.us_custom_a7382ece{padding:4rem!important}.us_custom_0fa416dc{padding-left:1.5rem!important;padding-top:2rem!important;padding-right:4rem!important;border-right-width:2px!important;border-right-style:solid!important}.us_custom_b79998ed{color:var(--color-content-primary)!important;font-size:40px!important;font-family:Arial,Helvetica,sans-serif!important;font-weight:600!important}.us_custom_432d3f53{text-align:justify!important}
.us_custom_301c97b8{width:100%!important;padding-left:2rem!important}.us_custom_6d77bcef{width:100%!important;margin-left:0!important}.us_custom_b33cc2ad{text-align:center!important;font-size:21px!important;line-height:30px!important;font-family:Arial,Helvetica,sans-serif!important;font-weight:600!important}.us_custom_4b4d5862{padding-top:0.5rem!important}
@media (min-width:1025px) and (max-width:1380px){.us_custom_a7382ece{padding:4rem!important}.us_custom_0fa416dc{padding-left:1.5rem!important;padding-top:2rem!important;padding-right:1.5rem!important;border-right-width:2px!important;border-right-style:solid!important}.us_custom_b79998ed{color:var(--color-content-primary)!important;font-size:35px!important;font-weight:600!important}.us_custom_e921c554{font-size:34px!important;font-family:Arial,Helvetica,sans-serif!important;font-weight:700!important}.us_custom_e27137ef{color:#4abf9b!important;font-size:15px!important;font-family:Arial,Helvetica,sans-serif!important;font-weight:700!important;margin-top:-2.5rem!important;padding-top:0.25rem!important;padding-bottom:0.25rem!important}.us_custom_ef2fdcbe{margin-bottom:1rem!important}.us_custom_f92321e3{text-align:center!important;font-size:15px!important;font-family:Arial,Helvetica,sans-serif!important;font-weight:400!important;padding:1rem 2rem 1.25rem 2rem!important}.us_custom_301c97b8{padding-left:1rem!important}.us_custom_6d77bcef{margin-left:2rem!important}.us_custom_9ec5a893{padding:25px!important}.us_custom_44fb5517{margin-left:10px!important}.us_custom_f4274aeb{width:300px!important;margin-left:10px!important}.us_custom_5bca9c89{margin-left:10px!important}.us_custom_a3fba296{margin-left:10px!important}.us_custom_3682041f{margin-left:10px!important}.us_custom_a7968434{margin-top:-5px!important;padding-left:25px!important;padding-bottom:25px!important;padding-right:25px!important}.us_custom_caafad61{text-align:inherit!important;font-size:1.99rem!important;font-family:Trebuchet MS,Helvetica,sans-serif!important;font-weight:400!important;font-style:normal!important}.us_custom_dd386d0f{text-align:inherit!important;font-size:1.2rem!important;font-family:Trebuchet MS,Helvetica,sans-serif!important;font-weight:500!important}.us_custom_e7cb035e{text-align:inherit!important;font-size:1.2rem!important;font-family:Trebuchet MS,Helvetica,sans-serif!important;font-weight:500!important}}
@media (min-width:601px) and (max-width:1024px){.us_custom_a7382ece{padding:4rem 1.5rem 4rem 1.5rem!important}.us_custom_0fa416dc{padding-left:1.5rem!important;padding-top:2rem!important;padding-right:1.5rem!important;border-right-width:0px!important;border-right-style:solid!important}.us_custom_b79998ed{color:var(--color-content-primary)!important;font-size:35px!important;font-weight:600!important}}@media (min-width:601px) and (max-width:1024px){.us_custom_301c97b8{padding-left:0rem!important}}@media (max-width:600px){.us_custom_a7382ece{padding:4rem!important;margin:-1rem -2.75rem -4rem -2.75rem!important}.us_custom_0fa416dc{margin-left:-1.5rem!important;margin-top:-2rem!important;margin-right:-4rem!important;padding-left:1.5rem!important;padding-top:2rem!important;padding-right:4rem!important}.us_custom_b79998ed{color:var(--color-content-primary)!important;font-size:30px!important;font-weight:600!important}}@media (max-width:600px){.us_custom_301c97b8{margin-left:-4rem!important;padding-left:2rem!important}}
</style>
<style class="bv-critical-css" bv-identifier="ovza-nav-critical" id="ovza-nav-critical">
:root{--ovza-nav-height:85px;}.ovza-nav__mega{position:absolute;opacity:0;visibility:hidden;pointer-events:none;}.ovza-nav__drawer,.ovza-nav__overlay,.ovza-nav__mobile-toggle,.ovza-nav__mobile-open{display:none;}

</style>
<style class="bv-critical-css">
.vc_column-inner{width:100%}#page-header{z-index:999999!important}
@media screen and (max-width:600px){.l-section.wpb_row.us_custom_f05bea1e.height_small{padding-right:0}.w-post-elm.post_content.us_custom_432d3f53.custom-post-content{padding:0}}
</style>
<style class="bv-critical-css">
.audio-container {
            background-color: #f0f2f5;
            border: 1px solid #e0e0e0;
            border-radius: 10px;
            box-shadow: 0 4px 8px #fff;
            padding: 20px;
            width: 100%;
            max-width: 100%;
            box-sizing: border-box;
        }
audio {
            width: 100%;
            outline: none;
        }
.audio-header {
            display: flex;
            align-items: center;
            margin-top: 0px !important;
            padding-left: 2rem;
        }
.audio-icon {
            background-color: #1db38d;
            border-radius: 50%;
            width: 45px;
            height: 45px;
            display: flex;
            align-items: center;
            justify-content: center;
            margin-right: 10px;
        }
.audio-icon svg {
            width: 24px;
            height: 24px;
            fill: #fff !important; /* White icon color */
        }
@media (max-width: 600px) {.audio-header {
                flex-direction: row;
                justify-content: center; /* Ensures center alignment */
                text-align: center;
                width: 100%;
            }}@media (max-width: 600px) {.audio-icon {
                margin-right: 10px;
                margin-left: -2rem;
            }}
</style>
<style class="bv-critical-css">
.sidebar {
  position: relative;
}
body .bd_toc_widget_floating,
body .bd_toc_container {
  z-index: 99998!important;
}

</style>
<style class="bv-critical-css">
@media (min-width:1025px) and (max-width:1380px){.layout_2279 .usg_btn_1{width:50%!important}}

</style>
<style class="bv-critical-css">
.bd_toc_widget_progress_bar {
            transition: width 0.3s ease-in-out;
        }

</style>
<style class="bv-critical-css" bv-identifier="https://cdn.jsdelivr.net/gh/lipis/flag-icons@7.0.0/css/flag-icons.min.css?ver=7.0.0" id="flag-icons-css">
.fib,.fi{background-size:contain;background-position:50%;background-repeat:no-repeat}.fi{position:relative;display:inline-block;width:1.333333em;line-height:1em}.fi:before{content:" "}
.fi-lr{background-image:url(https://cdn.jsdelivr.net/gh/lipis/flag-icons@7.0.0/flags/4x3/lr.svg)}

</style>
<style class="bv-critical-css" bv-identifier="https://ovza.com/wp-content/plugins/OVZA-Header/assets/css/site-header.css?ver=2.1.6" id="ovza-site-header-css">
:root{
  --primary:#00B884;
  --primary-dark:#00966b;
  --text-main:#1F2937;
  --text-muted:#6B7280;
  --border:#E5E7EB;
  --accent-dark:#0f172a;
  --ovza-green:#00B884;
  --ovza-green-dark:#00966b;
  --ovza-white:#ffffff;
  --ovza-container:1200px;
  --nav-height:85px;
  --ovza-nav-height:85px;
  --font:'Poppins',-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;
  --transition-smooth:all 0.3s cubic-bezier(0.16,1,0.3,1);
}
.ovza-nav,
.ovza-nav__drawer{
  font-family:var(--font);
}
.ovza-nav__link,
.ovza-nav__cta,
.ovza-nav__mega,
.ovza-nav__mega *,
.ovza-nav__drawer .ovza-accordion,
.ovza-nav__drawer .ovza-accordion *,
.ovza-nav__drawer .ovza-mobile-partner__link,
.ovza-nav__drawer .ovza-mobile-about__link,
.ovza-mobile-card,
.ovza-mobile-card *,
.ovza-mobile-country-list,
.ovza-mobile-country-list *{
  font-family:var(--font);
}
.ovza-nav *{
  box-sizing:border-box;
  margin:0;
  padding:0;
}
.ovza-nav a{
  color:inherit;
  text-decoration:none;
}
.ovza-nav{
  width:100vw;
  height:var(--nav-height);
  overflow:visible;
  z-index:9000;
  transition:var(--transition-smooth);
}
.ovza-nav--transparent{
  position:absolute;
  top:0;
  left:0;
  background:transparent;
  border:none;
  backdrop-filter:none;
  -webkit-backdrop-filter:none;
}
.ovza-nav--sticky{
  position:fixed;
  top:0;
  left:0;
  width:100%;
}
.ovza-nav__bar{
  position:relative;
  height:100%;
  max-width:var(--ovza-container);
  margin:0 auto;
  padding:0 2rem;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
  overflow:visible;
}
.ovza-nav__left{
  display:flex;
  align-items:center;
  gap:34px;
  min-width:0;
  flex:1;
}
.ovza-nav__logo{
  flex:0 0 auto;
  display:flex;
  align-items:center;
}
.ovza-nav__logo img{
  width:130px;
  height:auto;
  object-fit:contain;
  transition:filter 0.3s ease;
}
.ovza-nav:not(.is-scrolled):not(.ovza-nav--filled) .ovza-nav__logo img{
  filter:brightness(0) invert(1);
}
.ovza-nav__desktop{
  display:flex;
  align-items:center;
  gap:4px;
  position:static;
}
.ovza-nav__item{
  position:static;
}
.ovza-nav__item--has-mega{
  position:static;
  padding-bottom:50px;
  margin-bottom:-50px;
}
.ovza-nav__link{
  height:40px;
  display:inline-flex;
  align-items:center;
  gap:6px;
  padding:0.5rem 1rem;
  margin:0 0.25rem;
  border-radius:6px;
  font-size:0.95rem;
  font-weight:500;
  transition:all 0.2s;
  white-space:nowrap;
  position:relative;
  z-index:1010;
  cursor:pointer;
  color:#fff;
  background:transparent;
  border:none;
  font-family:var(--font);
}
.ovza-nav__caret{
  display:inline-block;
  width:0;
  height:0;
  border-left:5px solid transparent;
  border-right:5px solid transparent;
  border-top:5px solid currentColor;
  transition:transform 0.2s;
  margin-left:2px;
  vertical-align:middle;
}
.ovza-nav__caret svg{
  display:none;
}
.ovza-nav__cta{
  flex:0 0 auto;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:6px;
  padding:10px 12px;
  border-radius:7px;
  background:var(--ovza-green);
  color:#fff;
  font-size:13px;
  font-weight:600;
  line-height:1.5;
  max-height:39px;
  text-decoration:none;
  white-space:nowrap;
  transition:transform 0.2s, background-color 0.2s, color 0.2s;
}
.ovza-nav__cta:hover,
.ovza-nav__cta:focus,
.ovza-nav__cta:active,
.ovza-nav__cta:visited,
a.ovza-nav__cta:hover,
a.ovza-nav__cta:focus,
a.ovza-nav__cta:active,
a.ovza-nav__cta:visited{
  background-color:var(--ovza-green-dark);
  color:#fff;
  transform:translateY(-1px);
}
.ovza-nav:not(.is-scrolled):not(.ovza-nav--filled) .ovza-nav__cta{
  background-color:var(--ovza-green);
  border:none;
  color:#fff;
}
.ovza-nav__cta--desktop,
.ovza-nav:not(.is-scrolled):not(.ovza-nav--filled) .ovza-nav__cta--desktop,
.ovza-nav.is-scrolled .ovza-nav__cta--desktop,
.ovza-nav--filled .ovza-nav__cta--desktop{
  background-color:transparent;
  background:transparent;
  border:none;
}
.ovza-nav:not(.is-scrolled):not(.ovza-nav--filled) .ovza-nav__cta--desktop{
  color:#fff;
}
.ovza-nav__tracker-wrap{
  position:relative;
  z-index:1200;
  line-height:1.5;
}
.ovza-nav__tracker-wrap .ovza-track-trigger,
.ovza-nav__tracker-wrap .ovza-track-trigger *{
  line-height:1.5;
}
.ovza-nav__tracker-wrap .ovza-track-trigger > svg,
.ovza-nav__tracker-wrap .ovza-track-trigger > img,
.ovza-nav__tracker-wrap .ovza-track-trigger > i,
.ovza-nav__tracker-wrap .ovza-track-trigger > .icon{
  width:16px;
  height:16px;
  max-width:16px;
  max-height:16px;
  flex-shrink:0;
}
.ovza-nav__mega{
  position:absolute;
  top:100%;
  left:0;
  width:100%;
  transform:translateY(10px);
  background-color:#ffffff;
  border-radius:0 0 12px 12px;
  box-shadow:0 20px 25px -5px rgba(0,0,0,0.1);
  padding:1.5rem 2rem;
  opacity:0;
  visibility:hidden;
  pointer-events:none;
  transition:var(--transition-smooth);
  z-index:1005;
  color:var(--text-main);
  text-align:left;
  border-top:1px solid var(--border);
  max-height:calc(100vh - var(--nav-height) - 20px);
  overflow-y:auto;
  overflow-x:hidden;
  -webkit-overflow-scrolling:touch;
}
.ovza-nav-int{
  max-width:1040px;
  margin:0 auto;
}
.ovza-mega__divider{
  border-top:1px solid var(--border);
  margin-top:1rem;
  padding-top:1rem;
}
.ovza-hcards{
  display:grid;
  gap:0.75rem;
  min-height:0;
}
.ovza-hcards--3{
  grid-template-columns:repeat(3,1fr);
}
.ovza-hcards--2-tools{
  grid-template-columns:repeat(2,1fr);
}
.ovza-hcards--2x2{
  grid-template-columns:repeat(2,1fr);
}
.ovza-hcard{
  display:block;
  min-height:116px;
  padding:18px 18px 16px;
  border:1px solid var(--border);
  border-radius:12px;
  background-color:#ffffff;
  text-decoration:none;
  color:inherit;
  transition:transform .16s ease, box-shadow .16s ease;
}
.ovza-hcard__icon{
  background:transparent;
  color:inherit;
  width:40px;
  height:40px;
  padding:0;
  border-radius:0;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  margin-bottom:14px;
  font-size:0;
}
.ovza-hcard__icon img,
.ovza-hcard__icon svg{
  display:block;
  width:40px;
  height:40px;
  object-fit:contain;
  filter:none;
}
.ovza-hcard__content{
  min-width:0;
}
.ovza-hcard__title{
  font-size:16px;
  font-weight:800;
  margin-bottom:8px;
  color:#000;
  line-height:1.35;
}
.ovza-hcard__text{
  font-size:14px;
  color:var(--text-muted);
  line-height:1.45;
}
.ovza-jurisdiction{
  display:grid;
  grid-template-columns:2.2fr 1fr 1fr;
  gap:1.5rem;
}
.ovza-jurisdiction__col + .ovza-jurisdiction__col{
  border-left:1px solid var(--border);
  padding-left:1rem;
}
.ovza-jurisdiction__list{
  list-style:none;
  display:grid;
  padding:0;
  margin:0;
}
.ovza-jurisdiction__list a{
  text-decoration:none;
  color:var(--text-main);
  font-size:14px;
  display:flex;
  align-items:center;
  gap:6px;
  padding:0.5rem 0;
  border-radius:4px;
  transition:all 0.2s;
  white-space:nowrap;
}
.ovza-flag-big{
  display:inline-block;
  flex-shrink:0;
  width:30px;
  height:auto;
  aspect-ratio:3 / 2;
  border-radius:0;
  box-shadow:0 1px 2px rgba(0,0,0,0.1);
  vertical-align:middle;
  line-height:0;
}
span.ovza-flag-big{
  aspect-ratio:4 / 3;
  background-size:100% 100% !important;
  background-position:center !important;
  background-repeat:no-repeat !important;
}
img.ovza-flag-big,
.ovza-flag-big--img{
  aspect-ratio:auto;
  background:none !important;
  object-fit:contain;
}
.ovza-region-heading,
.ovza-section-heading{
  font-size:18px;
  font-weight:700;
  color:#000;
  margin-bottom:0.7rem;
  letter-spacing:-0.01em;
}
.ovza-jurisdiction__list--americas{
  display:block;
  column-count:2;
  column-gap:1.5rem;
}
.ovza-nav__mobile-toggle,
.ovza-nav__mobile-open,
.ovza-nav__drawer,
.ovza-nav__overlay{
  display:none;
}
.ovza-nav__mobile-open{
  width:42px;
  height:42px;
  align-items:center;
  justify-content:center;
  cursor:pointer;
  border-radius:10px;
  flex:0 0 auto;
  background:none;
  border:none;
  color:#fff;
  transition:color 0.3s ease;
}
.ovza-burger,
.ovza-close{
  position:relative;
  width:22px;
  height:22px;
  display:block;
}
.ovza-burger::before,
.ovza-burger::after,
.ovza-burger span{
  content:"";
  position:absolute;
  left:1px;
  right:1px;
  height:2px;
  border-radius:2px;
  background:currentColor;
}
.ovza-burger::before{ top:5px; }
.ovza-burger span{ top:10px; }
.ovza-burger::after{ top:15px; }
.ovza-close::before,
.ovza-close::after{
  content:"";
  position:absolute;
  top:10px;
  left:1px;
  right:1px;
  height:2px;
  border-radius:2px;
  background:currentColor;
}
.ovza-close::before{ transform:rotate(45deg); }
.ovza-close::after{ transform:rotate(-45deg); }
@media (max-width: 991px){}@media (max-width: 991px){:root{
    --ovza-nav-height:80px;
  }}@media (max-width: 991px){.ovza-nav{
    height:80px;
    background:var(--ovza-white);
    box-shadow:inset 0 -1px 0 var(--border);
    backdrop-filter:none;
    -webkit-backdrop-filter:none;
  }}@media (max-width: 991px){.ovza-nav--sticky{
    position:fixed;
    top:0;
    left:0;
    right:0;
    width:100%;
  }}@media (max-width: 991px){.ovza-nav__bar{
    height:80px;
    padding:0 20px;
  }}@media (max-width: 991px){.ovza-nav__logo img{
    width:118px;
    filter:none !important;
  }}@media (max-width: 991px){.ovza-nav__desktop,
  .ovza-nav__cta--desktop{
    display:none;
  }}@media (max-width: 991px){.ovza-nav__mobile-open{
    display:flex;
    color:var(--text-main);
  }}@media (max-width: 991px){.ovza-nav--transparent:not(.is-scrolled){
    background:transparent;
    box-shadow:none;
  }}@media (max-width: 991px){.ovza-nav--transparent:not(.is-scrolled) .ovza-nav__bar .ovza-nav__logo img{
    filter:brightness(0) invert(1) !important;
  }}@media (max-width: 991px){.ovza-nav--transparent:not(.is-scrolled) .ovza-nav__mobile-open{
    color:#000;
  }}@media (max-width: 991px){.ovza-nav__mobile-toggle{
    display:none;
  }}@media (max-width: 991px){.ovza-nav__overlay{
    display:flex;
    position:fixed;
    inset:0;
    background:rgba(12,17,29,.35);
    opacity:0;
    visibility:hidden;
    transition:opacity .25s ease, visibility .25s ease;
    z-index:99998;
  }}@media (max-width: 991px){.ovza-nav__drawer{
    display:flex;
    position:fixed;
    top:0;
    right:0;
    left:auto;
    width:min(100%, 502px);
    height:100vh;
    height:100dvh;
    max-height:100vh;
    max-height:100dvh;
    background:#fafbfc;
    /* Establish the drawer's own text color so its links don't
       inherit white (or anything else) from the host page when the
       header is rendered inside a dark/light-text WPBakery section.
       Without this, `.ovza-nav a{color:inherit}` (specificity 0,1,1)
       beats per-class color rules on the partner/about links. */
    color:var(--text-main);
    flex-direction:column;
    transform:translateX(100%);
    transition:transform .28s ease;
    z-index:99999;
    border-left:1px solid var(--border);
    overflow:hidden;
  }}@media (max-width: 991px){.ovza-drawer__head{
    flex:0 0 auto;
    min-height:82px;
    display:flex;
    align-items:center;
    justify-content:space-between;
    padding:0 24px;
    border-bottom:1px solid var(--border);
    background:#fafbfc;
  }}@media (max-width: 991px){.ovza-drawer__head img{
    width:118px;
  }}@media (max-width: 991px){.ovza-drawer__head-actions{
    display:flex;
    align-items:center;
    gap:10px;
  }}@media (max-width: 991px){.ovza-drawer__close{
    width:42px;
    height:42px;
    display:grid;
    place-items:center;
    color:var(--text-main);
    cursor:pointer;
  }}@media (max-width: 991px){.ovza-drawer__body{
    flex:1 1 auto;
    min-height:0;
    overflow:auto;
    -webkit-overflow-scrolling:touch;
    display:flex;
    flex-direction:column;
    background:#fafbfc;
  }}@media (max-width: 991px){.ovza-accordion{
    border-bottom:1px solid var(--border);
  }}@media (max-width: 991px){.ovza-accordion > summary{
    list-style:none;
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:12px;
    cursor:pointer;
    padding:22px 24px;
    font-size:15px;
    font-weight:600;
    color:var(--text-main);
  }}@media (max-width: 991px){.ovza-accordion__arrow{
    width:42px;
    height:42px;
    display:grid;
    place-items:center;
    flex-shrink:0;
    transition:transform .22s ease;
    color:#8894b5;
  }}@media (max-width: 991px){.ovza-accordion__arrow::after{
    content:"";
    width:10px;
    height:10px;
    border-right:2px solid currentColor;
    border-bottom:2px solid currentColor;
    transform:rotate(45deg);
    display:block;
  }}@media (max-width: 991px){.ovza-accordion__panel{
    padding:18px 24px 22px;
    background:#f7f9fb;
    border-top:1px solid var(--border);
  }}@media (max-width: 991px){.ovza-mobile-section-title{
    font-size:12px;
    font-weight:800;
    letter-spacing:.14em;
    text-transform:uppercase;
    color:var(--text-muted);
    margin-bottom:12px;
  }}@media (max-width: 991px){.ovza-mobile-cards{
    display:grid;
    gap:12px;
  }}@media (max-width: 991px){.ovza-mobile-card{
    min-height:72px;
    border:1px solid var(--border);
    border-radius:12px;
    background:#fff;
    padding:14px 16px;
    display:flex;
    align-items:center;
    gap:12px;
  }}@media (max-width: 991px){.ovza-mobile-card__icon{
    width:30px;
    height:30px;
    border-radius:0;
    background:transparent;
    color:inherit;
    display:grid;
    place-items:center;
    flex:0 0 30px;
    font-size:0;
    font-weight:400;
  }}@media (max-width: 991px){.ovza-mobile-card__icon img{
    display:block;
    width:30px;
    height:30px;
    object-fit:contain;
    filter:none;
  }}@media (max-width: 991px){.ovza-mobile-card__text{
    min-width:0;
    flex:1;
  }}@media (max-width: 991px){.ovza-mobile-card__title{
    font-size:15px;
    line-height:1.25;
    font-weight:600;
    margin-bottom:3px;
  }}@media (max-width: 991px){.ovza-mobile-card__desc{
    font-size:13px;
    line-height:1.35;
    color:var(--text-muted);
  }}@media (max-width: 991px){.ovza-mobile-card__desc{
    display:none;
  }}@media (max-width: 991px){.ovza-mobile-card__chev{
    color:#9ba7c2;
    font-size:22px;
    line-height:1;
  }}@media (max-width: 991px){.ovza-mobile-country-group + .ovza-mobile-country-group{
    margin-top:16px;
  }}@media (max-width: 991px){.ovza-mobile-country-title{
    font-size:12px;
    font-weight:800;
    letter-spacing:.14em;
    text-transform:uppercase;
    color:var(--text-muted);
    margin-bottom:8px;
  }}@media (max-width: 991px){.ovza-mobile-country-list{
    list-style:none;
    display:grid;
    margin:0;
    padding:0;
  }}@media (max-width: 991px){.ovza-mobile-country-list a{
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:12px;
    padding:10px 0;
    font-size:15px;
    font-weight:600;
  }}@media (max-width: 991px){.ovza-mobile-country-left{
    display:flex;
    align-items:center;
    gap:6px;
  }}@media (max-width: 991px){.ovza-mobile-country-right{
    color:#c4cbd8;
    font-size:22px;
    line-height:1;
  }}@media (max-width: 991px){.ovza-mobile-partner,
  .ovza-mobile-about{
    border-bottom:1px solid var(--border);
  }}@media (max-width: 991px){.ovza-mobile-partner__link,
  .ovza-mobile-about__link{
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:12px;
    padding:22px 24px;
    font-size:15px;
    font-weight:600;
    color:var(--text-main);
    text-decoration:none;
    transition:color 0.2s;
  }}@media (max-width: 991px){.ovza-drawer__footer{
    flex:0 0 auto;
    padding:14px 24px max(14px, env(safe-area-inset-bottom));
    border-top:1px solid var(--border);
    background:#fafbfc;
  }}@media (max-width: 991px){.ovza-nav__cta--mobile,
  .ovza-nav .ovza-nav__cta--mobile,
  .ovza-nav--cta-outline-transparent .ovza-nav__cta--mobile{
    width:100%;
    height:47px;
    border-radius:7px;
    font-size:17px;
    font-weight:800;
    display:flex;
    align-items:center;
    justify-content:center;
    background:var(--ovza-green) !important;
    border:none !important;
    color:#fff !important;
    transition:background 0.15s ease;
  }}@media (max-width: 991px){.ovza-nav__cta--mobile:hover,
  .ovza-nav__cta--mobile:active,
  .ovza-nav__cta--mobile:focus,
  .ovza-nav__cta--mobile:visited,
  a.ovza-nav__cta--mobile:hover,
  a.ovza-nav__cta--mobile:active,
  a.ovza-nav__cta--mobile:focus,
  a.ovza-nav__cta--mobile:visited{
    background:var(--ovza-green-dark) !important;
    color:#fff !important;
  }}@media (max-width: 640px){}@media (max-width: 640px){.ovza-nav__bar{
    padding:0 16px;
    height:78px;
  }}@media (max-width: 640px){.ovza-nav__drawer{
    width:100%;
  }}@media (max-width: 640px){.ovza-drawer__head{
    padding:0 18px;
  }}@media (max-width: 640px){.ovza-accordion > summary{
    padding:20px 18px;
    font-size:16px;
  }}@media (max-width: 640px){.ovza-accordion__panel{
    padding:16px 18px 20px;
  }}@media (max-width: 640px){.ovza-drawer__footer{
    padding:16px 18px 18px;
  }}@media (max-width: 640px){.ovza-mobile-card{
    padding:12px;
  }}
</style>
<style class="bv-critical-css" bv-identifier="https://ovza.com/wp-content/plugins/ovza-order-tracker-2/assets/css/tracker.css?ver=1.4.2" id="ovza-tracker-css-css">
:root {
    --ovza-primary: #10B981;
    --ovza-primary-dark: #059669;
    --ovza-primary-light: #ecfdf5;
    --ovza-text: #0F172A;
    --ovza-text-light: #64748B;
    --ovza-text-muted: #94a3b8;
    --ovza-border: #e2e8f0;
    --ovza-bg: #F9FAFB;
    --ovza-white: #fff;
    --ovza-success: #10b981;
    --ovza-error: #ef4444;
    --ovza-warning: #f59e0b;
}
.ovza-modal {
    position: fixed;
    inset: 0;
    z-index: 9999;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 20px;
    animation: ovzaFadeIn 0.3s ease;
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    overflow-y: auto; /* Allow scrolling */
}
@keyframes ovzaFadeIn {
    from { opacity: 0; }
    to { opacity: 1; }
}
@keyframes ovzaSlideUp {
    from { opacity: 0; transform: translateY(20px) scale(0.95); }
    to { opacity: 1; transform: translateY(0) scale(1); }
}
.ovza-modal-content {
    position: relative;
    background: #fff;
    background: var(--ovza-white, #fff);
    border-radius: 32px;
    padding: 48px;
    max-width: 480px;
    width: 100%;
    max-height: calc(100vh - 40px); /* Prevent overflow */
    overflow-y: auto; /* Allow internal scrolling */
    box-shadow: 0 25px 50px -12px rgba(0, 0, 0, 0.25);
    border: 1px solid #e2e8f0;
    border-color: var(--ovza-border, #e2e8f0);
    animation: ovzaSlideUp 0.5s ease;
    color: #0F172A;
    color: var(--ovza-text, #0F172A);
    margin: auto; /* Center vertically when scrolling */
}
@media (max-width: 768px) {.ovza-modal {
        padding: 10px;
        align-items: flex-start; /* Start from top on mobile */
    }}.ovza-form-section {
    padding-top: 20px;
}
.ovza-form-group {
    margin-bottom: 20px;
}
.ovza-form-group input {
    width: 100%;
    padding: 14px 16px;
    border: 1px solid var(--ovza-border);
    border-radius: 12px;
    font-size: 15px;
    font-weight: 500;
    background: var(--ovza-bg);
    transition: all 0.2s;
    box-sizing: border-box;
    color: var(--ovza-text);
}
.ovza-btn-primary {
    width: 100%;
    padding: 16px 24px;
    background: var(--ovza-primary);
    color: var(--ovza-white);
    border: none;
    border-radius: 7px;
    font-size: 15px;
    font-weight: 700;
    cursor: pointer;
    transition: all 0.2s;
    box-shadow: 0 4px 14px rgba(16, 185, 129, 0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
}
button.ovza-track-trigger.ovza-btn-primary {
    width: auto;
    padding: 8px 8px 8px 10px;
    font-size: 13px;
    font-weight: 600;
    background: white;
    color: #10b981;
    border: 2px solid #10b981;
    box-shadow: 0 2px 6px rgba(16, 185, 129, 0.1);
    gap: 6px;
}
#ovza-captcha-challenge {
    background: var(--ovza-primary-light);
    border: 2px solid var(--ovza-primary);
    border-radius: 12px;
    padding: 16px;
    margin-top: 8px;
}
#ovza-captcha-answer {
    width: 100%;
    padding: 14px 16px;
    border: 2px solid var(--ovza-primary);
    border-radius: 10px;
    font-size: 18px;
    font-weight: 700;
    text-align: center;
    background: var(--ovza-white);
    transition: all 0.2s;
    box-sizing: border-box;
    color: var(--ovza-text);
}
@keyframes ovzaPulse {
    0%, 100% { opacity: 1; }
    50% { opacity: 0.7; }
}
@keyframes ovzaPing {
    0% { transform: scale(1); opacity: 1; }
    100% { transform: scale(1.5); opacity: 0; }
}
.ovza-track-trigger {
    display: inline-flex;
    align-items: center;
    gap: 8px;
}
.ovza-track-trigger.ovza-btn-primary {
    padding: 14px 17px;
    font-size: 14px;
    font-weight: 400;
}

</style>
<style class="bv-critical-css" bv-identifier="https://ovza.com/wp-content/plugins/Ultimate_VC_Addons/assets/min-css/background-style.min.css?ver=3.21.3" id="ultimate-vc-addons-background-style-css">
.upb_row_bg,.upb_video-bg,.vcpb-fs-jquery{overflow:hidden}
.upb_video_class,.wpb_column,.wpb_row{position:relative}.upb_row_bg{position:absolute;width:100%;height:100%;background-position:center center;top:0;bottom:0;right:0;left:0;z-index:0}
@-webkit-keyframes MultiColorVC{0%{background-color:#e14949}25%{background-color:#3de02c}50%{background-color:#2c8de0}100%{background-color:#e02cbc}}
@keyframes MultiColorVC{0%{background-color:#e14949}25%{background-color:#3de02c}50%{background-color:#2c8de0}100%{background-color:#e02cbc}}
@media (min-width:768px)and (max-width:991px){.uvc_hidden-sm{display:none!important}}
@media (min-width:1824px){.uvc_hidden-lg{display:none!important}}

</style>


<script id="bv-image-optimization-runtime" data-cfasync="false" bv-exclude="true">var __defProp=Object.defineProperty;var __name=(target,value)=>__defProp(target,"name",{value,configurable:!0});var bvDefaultImageObserverOptions={rootMargin:"200px 0px",threshold:.01},bvDefaultImageLazyObserver=null,bvDefaultImageMutationObserver=null,bvDefaultImageStylesheetScanStarted=!1,bvDefaultImageLazyloadEvents=["mousemove","click","keydown","wheel","touchmove","touchend"],bvDefaultImageOptimizedSuffix=".bv.webp";function bvDecodeHtmlEntities(value){var textarea=document.createElement("textarea");return textarea.innerHTML=value||"",textarea.value}__name(bvDecodeHtmlEntities,"bvDecodeHtmlEntities");function bvDecodeBase64Value(value){try{return atob(value||"")}catch{return value||""}}__name(bvDecodeBase64Value,"bvDecodeBase64Value");function bvDecodeUriComponentValue(value){try{return decodeURIComponent(value||"")}catch{return value||""}}__name(bvDecodeUriComponentValue,"bvDecodeUriComponentValue");function bvDecodeResizedInfosValue(value){var decodedValue=bvDecodeHtmlEntities(value),base64DecodedValue=bvDecodeBase64Value(decodedValue);if(base64DecodedValue!==decodedValue&&bvParseResizedInfos(base64DecodedValue).length>0)return base64DecodedValue;var uriDecodedValue=bvDecodeUriComponentValue(decodedValue);return uriDecodedValue!==decodedValue&&bvParseResizedInfos(uriDecodedValue).length>0?uriDecodedValue:decodedValue}__name(bvDecodeResizedInfosValue,"bvDecodeResizedInfosValue");function bvSvgMetadata(value){if(!value||typeof value!="string"||value.indexOf("data:image/svg+xml")===-1)return null;var match=value.match(/base64,([^"')\s]+)/);if(!match||!match[1])return null;try{var svg=atob(match[1]),urlMatch=svg.match(/\sbv-img-url="([^"]*)"/);if(!urlMatch||!urlMatch[1])return null;var resizedMatch=svg.match(/\sbv-resized-infos="([^"]*)"/);return{url:bvDecodeHtmlEntities(urlMatch[1]),resizedInfos:resizedMatch&&resizedMatch[1]?bvDecodeResizedInfosValue(resizedMatch[1]):""}}catch{return null}}__name(bvSvgMetadata,"bvSvgMetadata");function bvParseResizedInfos(resizedInfos){return resizedInfos?resizedInfos.split(";").reduce(function(result,entry){var parts=entry.split(":");if(parts.length<2)return result;var dimensions=(parts[1]||"").split("*"),width=parseInt(dimensions[0],10),height=parseInt(dimensions[1],10);return parts[0]&&width>0&&height>0&&result.push({token:parts[0],width,height}),result},[]):[]}__name(bvParseResizedInfos,"bvParseResizedInfos");function bvConfiguredOptimizedSuffix(){var suffix=(bvDefaultImageOptimizedSuffix||"").toLowerCase();return suffix===".bv.avif"||suffix===".bv.webp"?suffix:".bv.webp"}__name(bvConfiguredOptimizedSuffix,"bvConfiguredOptimizedSuffix");function bvSplitImageUrl(url){var path=url||"",hash="",query="",hashIndex=path.indexOf("#");hashIndex!==-1&&(hash=path.slice(hashIndex),path=path.slice(0,hashIndex));var queryIndex=path.indexOf("?");return queryIndex!==-1&&(query=path.slice(queryIndex),path=path.slice(0,queryIndex)),{path,query,hash}}__name(bvSplitImageUrl,"bvSplitImageUrl");function bvOptimizedSuffixFromPath(path){var match=(path||"").match(/\.bv\.(webp|avif)$/i);return match?match[0]:""}__name(bvOptimizedSuffixFromPath,"bvOptimizedSuffixFromPath");function bvPathExtension(path){var match=(path||"").match(/\.([^\/.]+)$/);return match?match[1].toLowerCase():""}__name(bvPathExtension,"bvPathExtension");function bvPathWithoutExtension(path){return(path||"").replace(/(\.[^\/.]+)$/,"")}__name(bvPathWithoutExtension,"bvPathWithoutExtension");function bvBuildResizedImageUrl(baseUrl,token){if(!baseUrl||!token)return"";var parts=bvSplitImageUrl(baseUrl),optimizedSuffix=bvOptimizedSuffixFromPath(parts.path),suffix=optimizedSuffix||bvConfiguredOptimizedSuffix(),originalPath=optimizedSuffix?parts.path.slice(0,-optimizedSuffix.length):parts.path,extension=bvPathExtension(originalPath),resizedPath="",tokenMatch=null;if(tokenMatch=token.match(/^(\d+)(?:\.([a-z0-9]+))?$/i)){if(extension=(tokenMatch[2]||extension||"").toLowerCase(),!extension)return"";resizedPath=bvPathWithoutExtension(originalPath)+"-"+tokenMatch[1]+"."+extension}else if(tokenMatch=token.match(/^(bv_resized_[a-z0-9_]+)(?:\.([a-z0-9]+))?$/i)){if(extension=(tokenMatch[2]||extension||"").toLowerCase(),!extension)return"";resizedPath=originalPath+"."+tokenMatch[1]+"."+extension}else return"";return resizedPath+suffix+parts.query+parts.hash}__name(bvBuildResizedImageUrl,"bvBuildResizedImageUrl");function bvBuildOptimizedImageUrl(baseUrl){if(!baseUrl)return"";var parts=bvSplitImageUrl(baseUrl);return bvOptimizedSuffixFromPath(parts.path)||!bvPathExtension(parts.path)?baseUrl:parts.path+bvConfiguredOptimizedSuffix()+parts.query+parts.hash}__name(bvBuildOptimizedImageUrl,"bvBuildOptimizedImageUrl");function bvRenderedImageRequirements(element){var rect=element&&element.getBoundingClientRect?element.getBoundingClientRect():{width:0,height:0},dpr=Math.max(1,window.devicePixelRatio||1),renderedWidth=Math.ceil(rect.width||element&&(element.clientWidth||element.offsetWidth)||0),renderedHeight=Math.ceil(rect.height||element&&(element.clientHeight||element.offsetHeight)||0);return{width:renderedWidth>0?Math.ceil(renderedWidth*dpr):0,height:renderedHeight>0?Math.ceil(renderedHeight*dpr):0}}__name(bvRenderedImageRequirements,"bvRenderedImageRequirements");function bvVariantFitsRequiredSize(variant,requiredSize){return!(!variant||!variant.url||requiredSize.width>0&&variant.width<requiredSize.width||requiredSize.height>0&&variant.height>0&&variant.height<requiredSize.height)}__name(bvVariantFitsRequiredSize,"bvVariantFitsRequiredSize");function bvSmallerVariant(left,right){if(!right)return left;var leftArea=left.width*left.height,rightArea=right.width*right.height;return leftArea<rightArea||leftArea===rightArea&&left.width<right.width?left:right}__name(bvSmallerVariant,"bvSmallerVariant");function bvChooseImageUrl(metadata,element){if(!metadata)return"";var requiredSize=bvRenderedImageRequirements(element),variants=bvParseResizedInfos(metadata.resizedInfos),fallbackUrl=variants.length>0?bvBuildOptimizedImageUrl(metadata.url):metadata.url;if(requiredSize.width<=0&&requiredSize.height<=0)return fallbackUrl;for(var bestVariant=null,i=0;i<variants.length;i++){var variant=variants[i],candidateUrl=bvBuildResizedImageUrl(metadata.url,variant.token),candidate={url:candidateUrl,width:variant.width,height:variant.height};bvVariantFitsRequiredSize(candidate,requiredSize)&&(bestVariant=bvSmallerVariant(candidate,bestVariant))}return bestVariant?bestVariant.url:fallbackUrl}__name(bvChooseImageUrl,"bvChooseImageUrl");function bvReplaceImagePlaceholderValue(value,element){return!value||typeof value!="string"?value:value.replace(/data:image\/svg\+xml[^"')\s]*/g,function(placeholder){var metadata=bvSvgMetadata(placeholder);return metadata&&bvChooseImageUrl(metadata,element)||placeholder})}__name(bvReplaceImagePlaceholderValue,"bvReplaceImagePlaceholderValue");function bvValueHasLoadablePlaceholder(value){if(!value||typeof value!="string"||value.indexOf("data:image/svg+xml")===-1)return!1;var hasPlaceholder=!1;return value.replace(/data:image\/svg\+xml[^"')\s]*/g,function(placeholder){return bvSvgMetadata(placeholder)&&(hasPlaceholder=!0),placeholder}),hasPlaceholder}__name(bvValueHasLoadablePlaceholder,"bvValueHasLoadablePlaceholder");function bvValueHasOptimizedPlaceholder(value){if(!value||typeof value!="string"||value.indexOf("data:image/svg+xml")===-1)return!1;var hasOptimizedPlaceholder=!1;return value.replace(/data:image\/svg\+xml[^"')\s]*/g,function(placeholder){var metadata=bvSvgMetadata(placeholder);return metadata&&metadata.resizedInfos&&(hasOptimizedPlaceholder=!0),placeholder}),hasOptimizedPlaceholder}__name(bvValueHasOptimizedPlaceholder,"bvValueHasOptimizedPlaceholder");function bvComputedStyleValue(element,propertyName){if(!element||!window.getComputedStyle)return"";try{var computedStyle=window.getComputedStyle(element);return computedStyle&&computedStyle.getPropertyValue(propertyName)||""}catch{return""}}__name(bvComputedStyleValue,"bvComputedStyleValue");function bvElementHasComputedBackgroundPlaceholder(element){return bvValueHasLoadablePlaceholder(bvComputedStyleValue(element,"background-image"))||bvValueHasLoadablePlaceholder(bvComputedStyleValue(element,"background"))}__name(bvElementHasComputedBackgroundPlaceholder,"bvElementHasComputedBackgroundPlaceholder");function bvElementHasLoadablePlaceholder(element,includeComputedStyle){if(!element||element.nodeType!==1)return!1;for(var attrs=element.attributes||[],i=0;i<attrs.length;i++)if(bvValueHasLoadablePlaceholder(attrs[i].value||""))return!0;return includeComputedStyle===!1?!1:bvElementHasComputedBackgroundPlaceholder(element)}__name(bvElementHasLoadablePlaceholder,"bvElementHasLoadablePlaceholder");function bvElementHasOptimizedImagePlaceholder(element){if(!element||!element.getAttribute)return!1;for(var imageAttributeNames=["src","srcset","imagesrcset"],i=0;i<imageAttributeNames.length;i++)if(bvValueHasOptimizedPlaceholder(element.getAttribute(imageAttributeNames[i])||""))return!0;return!1}__name(bvElementHasOptimizedImagePlaceholder,"bvElementHasOptimizedImagePlaceholder");function bvValueHasOptimizedImageUrl(value){return!value||typeof value!="string"?!1:/\.bv\.(webp|avif)(?:$|[\s"'?#),])/i.test(value)}__name(bvValueHasOptimizedImageUrl,"bvValueHasOptimizedImageUrl");function bvHandleExternallyChangedImageSource(mutation){if(!mutation||mutation.type!=="attributes"||(mutation.attributeName||"").toLowerCase()!=="src")return!1;var element=mutation.target;if(!element||element.nodeType!==1||element.tagName!=="IMG")return!1;var previousSrc=mutation.oldValue||"",currentSrc=element.getAttribute("src")||"",currentSrcset=element.getAttribute("srcset")||"";return!bvValueHasOptimizedImageUrl(previousSrc)||bvValueHasOptimizedImageUrl(currentSrc)||!currentSrcset||!bvValueHasOptimizedImageUrl(currentSrcset)||element.hasAttribute("bv-orig-srcset")?!1:(element.setAttribute("bv-dynamic-stale-srcset",currentSrcset),element.removeAttribute("srcset"),!element.hasAttribute("bv-orig-sizes")&&element.hasAttribute("sizes")&&(element.setAttribute("bv-dynamic-stale-sizes",element.getAttribute("sizes")||""),element.removeAttribute("sizes")),element.setAttribute("bv-dynamic-srcset-cleared","1"),!0)}__name(bvHandleExternallyChangedImageSource,"bvHandleExternallyChangedImageSource");function bvElementHasOptimizedImageReference(element){if(!element||!element.getAttribute)return!1;for(var imageAttributeNames=["src","srcset","imagesrcset"],i=0;i<imageAttributeNames.length;i++){var value=element.getAttribute(imageAttributeNames[i])||"";if(bvValueHasOptimizedPlaceholder(value)||bvValueHasOptimizedImageUrl(value))return!0}return!1}__name(bvElementHasOptimizedImageReference,"bvElementHasOptimizedImageReference");function bvReplaceElementPlaceholderAttributes(element){!element||!element.attributes||Array.prototype.slice.call(element.attributes).forEach(function(attribute){var value=attribute.value||"";if(value.indexOf("data:image/svg+xml")!==-1){var newValue=bvReplaceImagePlaceholderValue(value,element);newValue&&newValue!==value&&element.setAttribute(attribute.name,newValue)}})}__name(bvReplaceElementPlaceholderAttributes,"bvReplaceElementPlaceholderAttributes");function bvRestoreOriginalImageAttributes(element){!element||!element.getAttribute||!element.setAttribute||[["bv-orig-sizes","sizes"],["bv-orig-srcset","srcset"],["bv-orig-imagesrcset","imagesrcset"],["bv-orig-src","src"]].forEach(function(attributePair){var originalValue=element.getAttribute(attributePair[0]),targetAttribute=attributePair[1];originalValue&&element.getAttribute(targetAttribute)!==originalValue&&element.setAttribute(targetAttribute,originalValue)})}__name(bvRestoreOriginalImageAttributes,"bvRestoreOriginalImageAttributes");function bvSetInlineStyleProperty(element,propertyName,value){if(element.style&&element.style.setProperty){element.style.setProperty(propertyName,value,"important");return}var currentStyle=element.getAttribute("style")||"";element.setAttribute("style",currentStyle+(currentStyle?";":"")+propertyName+": "+value)}__name(bvSetInlineStyleProperty,"bvSetInlineStyleProperty");function bvReplaceComputedBackgroundPlaceholders(element){["background-image","background"].forEach(function(propertyName){var value=bvComputedStyleValue(element,propertyName);if(bvValueHasLoadablePlaceholder(value)){var newValue=bvReplaceImagePlaceholderValue(value,element);newValue&&newValue!==value&&bvSetInlineStyleProperty(element,propertyName,newValue)}})}__name(bvReplaceComputedBackgroundPlaceholders,"bvReplaceComputedBackgroundPlaceholders");function bvHandleLazyElement(element){!element||element.nodeType!==1||(element.tagName==="PICTURE"?element.querySelectorAll("source,img").forEach(function(child){bvElementHasOptimizedImageReference(child)||bvRestoreOriginalImageAttributes(child)}):bvElementHasOptimizedImageReference(element)||bvRestoreOriginalImageAttributes(element),bvReplaceElementPlaceholderAttributes(element),bvReplaceComputedBackgroundPlaceholders(element))}__name(bvHandleLazyElement,"bvHandleLazyElement");function bvObserveLazyElement(element){if(!(!element||element.nodeType!==1)){if(!bvDefaultImageLazyObserver){bvHandleLazyElement(element);return}bvDefaultImageLazyObserver.observe(element)}}__name(bvObserveLazyElement,"bvObserveLazyElement");function bvElementHasClass(element,className){return!element||element.nodeType!==1?!1:element.classList&&element.classList.contains?element.classList.contains(className):(element.getAttribute("class")||"").split(/\s+/).indexOf(className)!==-1}__name(bvElementHasClass,"bvElementHasClass");function bvObserveIfLoadableDefaultImageElement(element,includeComputedStyle){if(!(!element||element.nodeType!==1)){if(bvElementHasClass(element,"bv-image-lazyload")){bvObserveLazyElement(element);return}if(bvElementHasClass(element,"bv-viewport-mod")&&bvElementHasLoadablePlaceholder(element,includeComputedStyle)){bvObserveLazyElement(element);return}bvElementHasLoadablePlaceholder(element,includeComputedStyle)&&bvObserveLazyElement(element)}}__name(bvObserveIfLoadableDefaultImageElement,"bvObserveIfLoadableDefaultImageElement");function bvCheckDefaultImageNode(node,currentLevel,maxLevel){currentLevel=currentLevel||1,maxLevel=maxLevel===void 0?1/0:maxLevel,node&&node.nodeType===1&&bvObserveIfLoadableDefaultImageElement(node,!0),!(!node||currentLevel>=maxLevel||!node.childNodes||!node.childNodes.length)&&Array.prototype.forEach.call(node.childNodes,function(childNode){bvCheckDefaultImageNode(childNode,currentLevel+1,maxLevel)})}__name(bvCheckDefaultImageNode,"bvCheckDefaultImageNode");function bvScanDefaultImagePlaceholders(root,options){var scope=root&&root.querySelectorAll?root:document,broadScan=options&&options.broad===!0,includeComputedStyle=!options||options.includeComputedStyle!==!1;if(broadScan){bvCheckDefaultImageNode(scope,1,1/0);return}bvObserveIfLoadableDefaultImageElement(scope,includeComputedStyle),scope.querySelectorAll&&scope.querySelectorAll('.bv-image-lazyload,.bv-viewport-mod,img[src*="data:image/svg+xml"],source[srcset*="data:image/svg+xml"],[style*="data:image/svg+xml"]').forEach(function(element){bvObserveIfLoadableDefaultImageElement(element,includeComputedStyle)})}__name(bvScanDefaultImagePlaceholders,"bvScanDefaultImagePlaceholders");function bvShouldHandleDefaultImageAttributeMutation(mutation){if(!mutation||mutation.type!=="attributes"||!mutation.target||mutation.target.nodeType!==1)return!1;var attributeName=(mutation.attributeName||"").toLowerCase();if(attributeName==="class"||attributeName==="style"||attributeName==="src"||attributeName==="srcset"||attributeName==="imagesrcset")return!0;var attributeValue=mutation.target.getAttribute(mutation.attributeName)||"";return bvValueHasLoadablePlaceholder(attributeValue)}__name(bvShouldHandleDefaultImageAttributeMutation,"bvShouldHandleDefaultImageAttributeMutation");function bvScanComputedStyleDefaultImagePlaceholders(){!document.body||!document.querySelectorAll||(bvCheckDefaultImageNode(document.body,1,1),document.querySelectorAll("body *").forEach(function(element){bvCheckDefaultImageNode(element,1,1)}))}__name(bvScanComputedStyleDefaultImagePlaceholders,"bvScanComputedStyleDefaultImagePlaceholders");function bvHasDelayedAirliftLoadEvent(){if(typeof scriptAttrs>"u"||!Array.isArray(scriptAttrs)||scriptAttrs.length===0)return!1;var lastElement=scriptAttrs[scriptAttrs.length-1];return!!(lastElement&&lastElement.attrs&&lastElement.attrs.id==="bv-trigger-listener")}__name(bvHasDelayedAirliftLoadEvent,"bvHasDelayedAirliftLoadEvent");function bvRemoveStylesheetImagePlaceholderEventListeners(){bvDefaultImageLazyloadEvents.forEach(function(eventName){window.removeEventListener(eventName,bvHandleLazyloadedStylesheetImagePlaceholders)})}__name(bvRemoveStylesheetImagePlaceholderEventListeners,"bvRemoveStylesheetImagePlaceholderEventListeners");function bvHandleLazyloadedStylesheetImagePlaceholders(){bvDefaultImageStylesheetScanStarted||!document.body||!document.querySelectorAll||(bvDefaultImageStylesheetScanStarted=!0,setTimeout(function(){bvRemoveStylesheetImagePlaceholderEventListeners(),bvScanComputedStyleDefaultImagePlaceholders()},50))}__name(bvHandleLazyloadedStylesheetImagePlaceholders,"bvHandleLazyloadedStylesheetImagePlaceholders");function bvAddStylesheetImagePlaceholderEventListeners(){bvDefaultImageLazyloadEvents.forEach(function(eventName){window.addEventListener(eventName,bvHandleLazyloadedStylesheetImagePlaceholders)})}__name(bvAddStylesheetImagePlaceholderEventListeners,"bvAddStylesheetImagePlaceholderEventListeners");function bvStartStylesheetImagePlaceholderScanAfterAirliftLoad(){return!window.addEventListener||!bvHasDelayedAirliftLoadEvent()?!1:(window.addEventListener("Airliftload",bvHandleLazyloadedStylesheetImagePlaceholders,{once:!0}),!0)}__name(bvStartStylesheetImagePlaceholderScanAfterAirliftLoad,"bvStartStylesheetImagePlaceholderScanAfterAirliftLoad");function bvStartStylesheetImagePlaceholderScanAfterUserAction(){window.addEventListener&&(bvStartStylesheetImagePlaceholderScanAfterAirliftLoad()||bvAddStylesheetImagePlaceholderEventListeners())}__name(bvStartStylesheetImagePlaceholderScanAfterUserAction,"bvStartStylesheetImagePlaceholderScanAfterUserAction");function bvStartDefaultImageOptimizationRuntime(){"IntersectionObserver"in window&&(bvDefaultImageLazyObserver=new IntersectionObserver(function(entries){entries.forEach(function(entry){entry.isIntersecting&&(bvHandleLazyElement(entry.target),bvDefaultImageLazyObserver.unobserve(entry.target))})},bvDefaultImageObserverOptions)),"MutationObserver"in window&&(bvDefaultImageMutationObserver=new MutationObserver(function(mutations){mutations.forEach(function(mutation){mutation.type==="childList"&&mutation.addedNodes.forEach(function(node){node.nodeType===1&&setTimeout(function(){bvCheckDefaultImageNode(node,1,1/0)},0)}),!bvHandleExternallyChangedImageSource(mutation)&&bvShouldHandleDefaultImageAttributeMutation(mutation)&&((mutation.attributeName||"").toLowerCase()==="class"?setTimeout(function(){bvCheckDefaultImageNode(mutation.target,1,1/0)},0):bvCheckDefaultImageNode(mutation.target,1,1))})}),bvDefaultImageMutationObserver.observe(document.documentElement,{childList:!0,subtree:!0,attributes:!0,attributeOldValue:!0})),bvScanDefaultImagePlaceholders(document),bvStartStylesheetImagePlaceholderScanAfterUserAction()}__name(bvStartDefaultImageOptimizationRuntime,"bvStartDefaultImageOptimizationRuntime"),document.readyState==="loading"?document.addEventListener("DOMContentLoaded",bvStartDefaultImageOptimizationRuntime):bvStartDefaultImageOptimizationRuntime();
</script>

<script id="bv-dl-scripts-list" data-cfasync="false" bv-exclude="true">
var scriptAttrs = [{"attrs":{"src":"data:text\/javascript;base64, ZnVuY3Rpb24gYnZfdHJpZ2dlcl9haXJsaWZ0X2V2ZW50KHRhcmdldCwgZXZlbnRfdHlwZSkgewoKICBpZiAoZXZlbnRfdHlwZSA9PT0gInJlYWR5c3RhdGVjaGFuZ2UiKSB7CiAgICBpZiAoYnZfc3RhdGVfY291bnRlciA9PT0gMCkgewogICAgICBidl9zdGF0ZV9jb3VudGVyICs9IDEKICAgICAgYnZfY3VzdG9tX3JlYWR5X3N0YXRlX3ZhbHVlID0gImludGVyYWN0aXZlIgogICAgfSBlbHNlIGlmKGJ2X3N0YXRlX2NvdW50ZXIgPT09IDEpIHsKICAgICAgYnZfc3RhdGVfY291bnRlciArPSAxCiAgICAgIGJ2X2N1c3RvbV9yZWFkeV9zdGF0ZV92YWx1ZSA9ICJjb21wbGV0ZSIKICAgIH0KICB9CgogIGxldCBldmVudF9uYW1lID0gIkFpcmxpZnQiICsgZXZlbnRfdHlwZTsKICBsZXQgc3ludGhldGljRXZlbnQgPSBuZXcgRXZlbnQoZXZlbnRfbmFtZSwgeyBidWJibGVzOiB0cnVlIH0pOwoKICBPYmplY3QuZGVmaW5lUHJvcGVydHkoc3ludGhldGljRXZlbnQsICJ0eXBlIiwgeyBnZXQ6IGZ1bmN0aW9uICgpIHsgcmV0dXJuIGV2ZW50X3R5cGU7IH0sIHNldDogZnVuY3Rpb24gKCkgeyB9IH0pOwogIE9iamVjdC5kZWZpbmVQcm9wZXJ0eShzeW50aGV0aWNFdmVudCwgInRhcmdldCIsIHsgZ2V0OiBmdW5jdGlvbiAoKSB7IHJldHVybiB0YXJnZXQ7IH0sIHNldDogZnVuY3Rpb24gKCkgeyB9IH0pOwoKICB0YXJnZXQuZGlzcGF0Y2hFdmVudChzeW50aGV0aWNFdmVudCk7Cn0KCmZ1bmN0aW9uIGJ2X2Rpc3BhdGNoRGVsYXllZEV2ZW50cygpIHsKICAgIGJ2X3RyaWdnZXJfYWlybGlmdF9ldmVudChkb2N1bWVudCwgInJlYWR5c3RhdGVjaGFuZ2UiKTsKICAgIGJ2X3RyaWdnZXJfYWlybGlmdF9ldmVudChkb2N1bWVudCwgIkRPTUNvbnRlbnRMb2FkZWQiKTsKCiAgICBzZXRUaW1lb3V0KCgpID0+IHsKICAgICAgICBidl90cmlnZ2VyX2FpcmxpZnRfZXZlbnQoZG9jdW1lbnQsICJyZWFkeXN0YXRlY2hhbmdlIik7CgogICAgICAgIHNldFRpbWVvdXQoKCkgPT4gewogICAgICAgICAgICBidl90cmlnZ2VyX2FpcmxpZnRfZXZlbnQod2luZG93LCAibG9hZCIpOwogICAgICAgICAgICBidl90cmlnZ2VyX2FpcmxpZnRfZXZlbnQod2luZG93LCAicGFnZXNob3ciKTsKICAgICAgICB9LCAwKTsKICAgIH0sIDApOwp9Cgp2YXIgYnZfc3RhdGVfY291bnRlciA9IDAKCmJ2X2Rpc3BhdGNoRGVsYXllZEV2ZW50cygpOwoK","id":"bv-trigger-listener","type":"text\/javascript","defer":true,"async":false},"bv_unique_id":"d6fe9c24159ed4a27d224d91c70f8fdc","reference":100000000}];
</script>
<script id="bv-web-worker" type="javascript/worker" data-cfasync="false" bv-exclude="true">var __defProp=Object.defineProperty;var __name=(target,value)=>__defProp(target,"name",{value,configurable:!0});var BV_DEBUG_MODE=!1;function bvDebugLog(...args){BV_DEBUG_MODE&&console.log(...args)}__name(bvDebugLog,"bvDebugLog"),self.onmessage=function(e){var counter=e.data.fetch_urls.length;e.data.fetch_urls.forEach(function(fetch_url){loadUrl(fetch_url,function(){bvDebugLog("DONE: "+fetch_url),counter=counter-1,counter===0&&self.postMessage({status:"SUCCESS"})})})};async function loadUrl(fetch_url,callback){try{var request=new Request(fetch_url,{mode:"no-cors",redirect:"follow"});await fetch(request),callback()}catch(fetchError){bvDebugLog("Fetch Error loading URL:",fetchError);try{var xhr=new XMLHttpRequest;xhr.onerror=callback,xhr.onload=callback,xhr.responseType="blob",xhr.open("GET",fetch_url,!0),xhr.send()}catch(xhrError){bvDebugLog("XHR Error loading URL:",xhrError),callback()}}}__name(loadUrl,"loadUrl");
</script>
<script id="bv-web-worker-handler" data-cfasync="false" bv-exclude="true">var __defProp=Object.defineProperty;var __name=(target,value)=>__defProp(target,"name",{value,configurable:!0});if(typeof scriptAttrs<"u"&&Array.isArray(scriptAttrs)&&scriptAttrs.length>0){const lastElement=scriptAttrs[scriptAttrs.length-1];if(lastElement.attrs&&lastElement.attrs.id==="bv-trigger-listener"){var bv_custom_ready_state_value="loading";Object.defineProperty(document,"readyState",{get:__name(function(){return bv_custom_ready_state_value},"get"),set:__name(function(){},"set")})}}if(typeof scriptAttrs>"u"||!Array.isArray(scriptAttrs))var scriptAttrs=[];if(typeof linkStyleAttrs>"u"||!Array.isArray(linkStyleAttrs))var linkStyleAttrs=[];var BV_DEBUG_MODE=!1;function bvDebugLog(...args){BV_DEBUG_MODE&&console.log(...args)}__name(bvDebugLog,"bvDebugLog");function isMobileDevice(){return window.innerWidth<=500}__name(isMobileDevice,"isMobileDevice");var js_dom_loaded=!1;document.addEventListener("DOMContentLoaded",()=>{js_dom_loaded=!0});const EVENTS=["mousemove","click","keydown","wheel","touchmove","touchend"];var scriptUrls=[],styleUrls=[],bvEventCalled=!1,workerFinished=!1,functionExec=!1,scriptsInjected=!1,stylesInjected=!1,bv_load_event_fired=!1,autoInjectTimerStarted=!1;const BV_AUTO_INJECT_ENABLED=!0,BV_DESKTOP_AUTO_INJECT_DELAY=4e3,BV_MOBILE_AUTO_INJECT_DELAY=1e4,BV_WORKER_TIMEOUT_DURATION=3e3;scriptAttrs.forEach((scriptAttr,index)=>{scriptAttr.attrs.src&&!scriptAttr.attrs.src.includes("data:text/javascript")&&(scriptUrls[index]=scriptAttr.attrs.src)}),linkStyleAttrs.forEach((linkAttr,index)=>{styleUrls[index]=linkAttr.attrs.href});var fetchUrls=scriptUrls.concat(styleUrls);function addEventListeners(bvEventHandler2){EVENTS.forEach(function(event){document.addEventListener(event,bvEventFired,!0),document.addEventListener(event,bvEventHandler2,!0)})}__name(addEventListeners,"addEventListeners");function removeEventListeners(){EVENTS.forEach(function(event){document.removeEventListener(event,bvEventHandler,!0)})}__name(removeEventListeners,"removeEventListeners");function bvEventFired(){bvEventCalled||(bvEventCalled=!0,workerFinished=!0)}__name(bvEventFired,"bvEventFired");function bvGetElement(attributes,element){Object.keys(attributes).forEach(function(attr){attr==="async"?element.async=attributes[attr]:attr==="innerHTML"?element.innerHTML=atob(attributes[attr]):element.setAttribute(attr,attributes[attr])})}__name(bvGetElement,"bvGetElement");function bvAddElement(attr,element){var attributes=attr.attrs;if(attributes.bv_inline_delayed){let bvScriptId=attr.bv_unique_id,bvScriptElement=document.querySelector("[bv_unique_id='"+bvScriptId+"']");bvScriptElement?(!attributes.innerHTML&&!attributes.src&&bvScriptElement.textContent.trim()!==""&&(attributes.src="data:text/javascript;base64, "+btoa(unescape(encodeURIComponent(bvScriptElement.textContent)))),bvGetElement(attributes,element),bvScriptElement.after(element)):bvDebugLog(`Script not found for ${bvScriptId}`)}else{bvGetElement(attributes,element);var templateId=attr.bv_unique_id,targetElement=document.querySelector("[id='"+templateId+"']");targetElement&&targetElement.after(element)}}__name(bvAddElement,"bvAddElement");function injectStyles(){if(stylesInjected){bvDebugLog("Styles already injected, skipping");return}stylesInjected=!0,document.querySelectorAll('style[type="bv_inline_delayed_css"], template[id]').forEach(element=>{if(element.tagName.toLowerCase()==="style"){var new_style=document.createElement("style");new_style.type="text/css",new_style.textContent=element.textContent,element.after(new_style),new_style.parentNode?element.remove():bvDebugLog("PARENT NODE NOT FOUND")}else if(element.tagName.toLowerCase()==="template"){var templateId=element.id,linkStyleAttr=linkStyleAttrs.find(attr=>attr.bv_unique_id===templateId);if(linkStyleAttr){var link=document.createElement("link");bvAddElement(linkStyleAttr,link),element.parentNode&&element.parentNode.replaceChild(link,element),bvDebugLog("EXTERNAL STYLE ADDED")}else bvDebugLog(`No linkStyleAttr found for template ID ${templateId}`)}}),linkStyleAttrs.forEach((linkStyleAttr,index)=>{bvDebugLog("STYLE ADDED");var element=document.createElement("link");bvAddElement(linkStyleAttr,element)})}__name(injectStyles,"injectStyles");function injectScripts(){if(scriptsInjected){bvDebugLog("Scripts already injected, skipping");return}scriptsInjected=!0;let last_script_element;scriptAttrs.forEach((scriptAttr,index)=>{if(bv_custom_ready_state_value==="loading"&&scriptAttr.attrs&&scriptAttr.attrs.is_first_defer_element===!0)if(last_script_element){const readyStateScript=document.createElement("script");readyStateScript.src="data:text/javascript;base64, "+btoa(unescape(encodeURIComponent("bv_custom_ready_state_value = 'interactive';"))),readyStateScript.async=!1,last_script_element.after(readyStateScript)}else bv_custom_ready_state_value="interactive",bvDebugLog('Ready state manually set to "interactive"');bvDebugLog("JS ADDED");var element=document.createElement("script");last_script_element=element,bvAddElement(scriptAttr,element)})}__name(injectScripts,"injectScripts");function bvEventHandler(){bvDebugLog("EVENT FIRED"),js_dom_loaded&&bvEventCalled&&workerFinished&&!functionExec&&(functionExec=!0,injectStyles(),injectScripts(),removeEventListeners())}__name(bvEventHandler,"bvEventHandler");function autoInjectScriptsAfterLoad(){js_dom_loaded&&workerFinished&&!scriptsInjected&&!stylesInjected&&(bvDebugLog("Auto-injecting styles and scripts after timer"),injectStyles(),injectScripts())}__name(autoInjectScriptsAfterLoad,"autoInjectScriptsAfterLoad");function startAutoInjectTimer(){if(BV_AUTO_INJECT_ENABLED&&!autoInjectTimerStarted&&bv_load_event_fired&&!bvEventCalled){autoInjectTimerStarted=!0;var delay=isMobileDevice()?BV_MOBILE_AUTO_INJECT_DELAY:BV_DESKTOP_AUTO_INJECT_DELAY;bvDebugLog("Starting auto-inject timer with delay: "+delay+"ms"),setTimeout(function(){autoInjectScriptsAfterLoad()},delay)}}__name(startAutoInjectTimer,"startAutoInjectTimer"),addEventListeners(bvEventHandler);var requestObject=window.URL||window.webkitURL,bvWorker=new Worker(requestObject.createObjectURL(new Blob([document.getElementById("bv-web-worker").textContent],{type:"text/javascript"})));bvWorker.onmessage=function(e){e.data.status==="SUCCESS"&&(bvDebugLog("WORKER_FINISHED"),workerFinished=!0,bvEventHandler(),startAutoInjectTimer())},addEventListener("load",()=>{bvEventHandler(),bv_call_fetch_urls(),bv_load_event_fired=!0});function bv_call_fetch_urls(){!bv_load_event_fired&&!workerFinished&&(bvWorker.postMessage({fetch_urls:fetchUrls}),bv_initiate_worker_timer())}__name(bv_call_fetch_urls,"bv_call_fetch_urls"),setTimeout(function(){bv_call_fetch_urls()},5e3);function bv_initiate_worker_timer(){setTimeout(function(){workerFinished||(bvDebugLog("WORKER_TIMEDOUT"),workerFinished=!0,bvWorker.terminate()),bvEventHandler(),startAutoInjectTimer()},BV_WORKER_TIMEOUT_DURATION)}__name(bv_initiate_worker_timer,"bv_initiate_worker_timer");
</script>
\n    <meta charset=\"UTF-8\">\n    <meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\n     <style>\n        .audio-container {\n            background-color: #f0f2f5;\n            border: 1px solid #e0e0e0;\n            border-radius: 10px;\n            box-shadow: 0 4px 8px #fff;\n            padding: 20px;\n            width: 100%;\n            max-width: 100%;\n            box-sizing: border-box;\n        }\n\n        audio {\n            width: 100%;\n            outline: none;\n        }\n\n        .audio-header {\n            display: flex;\n            align-items: center;\n            margin-top: 0px !important;\n            padding-left: 2rem;\n        }\n\n        .audio-icon {\n            background-color: #1db38d;\n            border-radius: 50%;\n            width: 45px;\n            height: 45px;\n            display: flex;\n            align-items: center;\n            justify-content: center;\n            margin-right: 10px;\n        }\n\n        .audio-icon svg {\n            width: 24px;\n            height: 24px;\n            fill: #fff !important; \/* White icon color *\/\n        }\n\n        .audio-title {\n            font-weight: normal;\n            color: #000;\n            font-size: 18px;\n        }\n\n        \/* Media query for mobile devices *\/\n         @media (max-width: 600px) {\n     .audio-header {\n                flex-direction: row;\n                justify-content: center; \/* Ensures center alignment *\/\n                text-align: center;\n                width: 100%;\n            }\n\n            .audio-icon {\n                margin-right: 10px;\n                margin-left: -2rem;\n            }\n\n            .audio-title {\n                margin-top: 0;\n            }\n        }\n    <\/style>\n<\/head>\n\n    <div class=\"audio-container\">\n        <audio controls>\n            <source src=\"https:\/\/ovza.com\/wp-content\/uploads\/2025\/09\/What-is-an-EMI.mp3\" type=\"audio\/mpeg\">\n            \n        <\/audio>\n        <div class=\"audio-header\">\n            <div class=\"audio-icon\">\n                <svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"fas\" data-icon=\"headphones\"\n                     xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\">\n                    <path\n                          d=\"M256 32C114.52 32 0 146.496 0 288v48a32 32 0 0 0 17.689 28.622l14.383 7.191C34.083 431.903 83.421 480 144 480h24c13.255 0 24-10.745 24-24V280c0-13.255-10.745-24-24-24h-24c-31.342 0-59.671 12.879-80 33.627V288c0-105.869 86.131-192 192-192s192 86.131 192 192v1.627C427.671 268.879 399.342 256 368 256h-24c-13.255 0-24 10.745-24 24v176c0 13.255 10.745 24 24 24h24c60.579 0 109.917-48.098 111.928-108.187l14.382-7.191A32 32 0 0 0 512 336v-48c0-141.479-114.496-256-256-256z\">\n                    <\/path>\n                <\/svg>\n            <\/div>\n           \n        <\/div>\n    <\/div>\n\n<\/html><\/div><div class=\"w-separator size_small\"><\/div><div class=\"wpb_text_column us_custom_1f257949 postdata\"><div class=\"wpb_wrapper\"><p>Electronic Money Institution (EMI) licensing created a regulated way to issue stored value and move money across borders without being a deposit-taking bank. An EMI focuses on account issuance, payments, and FX under a defined EMI license, while client funds are <i>safeguarded<\/i> rather than deposit-insured. For founders, CFOs, and counsel, the attraction is fast, compliant access to <a href=\"https:\/\/www.sumup.com\/en-gb\/business-guide\/banking-term-guide\/\" target=\"_blank\" rel=\"noopener\">IBAN\/SWIFT\/SEPA<\/a> rails at a lower operational cost than traditional banks.<\/p>\n<p>Properly structured, an EMI account can anchor treasury for holding companies and SPVs so long as statutory compliance and record-keeping are taken seriously.<\/p>\n<h2 id='what-the-emi-license-actually-covers'><b>What the EMI License Actually Covers<\/b><\/h2>\n<p>In law, an EMI is a non-bank financial institution authorised to issue electronic money and provide payment services. In the European framework, the <a href=\"https:\/\/en.wikipedia.org\/wiki\/Electronic_Money_Institution\" target=\"_blank\" rel=\"noopener\">EMI license<\/a> sits under the Electronic Money Directive (EMD) alongside PSD2 for payment services; in the UK it is implemented through the <a href=\"https:\/\/www.legislation.gov.uk\/uksi\/2011\/99\/contents\" target=\"_blank\" rel=\"noopener\">Electronic Money Regulations 2011<\/a> with the <a href=\"https:\/\/www.fca.org.uk\/\" target=\"_blank\" rel=\"noopener\">FCA<\/a> as supervisor.<\/p>\n<p>The essential <a href=\"https:\/\/ovza.com\/pt\/the-difference-between-a-bank-and-an-emi-in-2025\/\">difference from a bank<\/a> \u00e9 o <i>prohibition on taking deposits<\/i> e <i>lending from those balances<\/i>: an EMI may issue e-money redeemable at par and move funds, but it cannot intermediate them as loans.<\/p>\n<p>Because an EMI license is payments-centric, the core permissions are account issuance, money remittance, acquiring, and currency conversion. Safeguarding rules require client funds to be held in segregated accounts with credit institutions or invested in secure assets, reconciled daily, and protected from the firm\u2019s creditors. Unlike a bank, balances are not covered by a state deposit-guarantee scheme; the protection is legal segregation plus prudential oversight. This model is why an EMI can often integrate with multiple correspondent banks simultaneously, offering broader corridor reach than a single house bank.<\/p>\n<h2 id='what-are-the-benefits-of-using-an-emi'><b>What are the benefits of using an EMI?<\/b><\/h2>\n<p>For cross-border businesses and holding companies seeking to open offshore bank account capabilities quickly and cheaply, EMIs deliver flexibility that traditional banks can\u2019t. The biggest advantage is multi-bank interoperability: an EMI can maintain safeguarding and correspondent relationships with several credit institutions at the same time. Payments are routed through whichever partner bank offers the best corridor, cut-off, or <a href=\"https:\/\/www.theirm.org\/what-we-say\/thought-leadership\/risk-appetite-and-tolerance\/\" target=\"_blank\" rel=\"noopener\">risk appetite<\/a>, so you get one account front-end with access to many rails. By contrast, a traditional bank largely confines you to its own network, pricing, and policy; if that single house tightens controls, you\u2019re stuck.<\/p>\n<p>EMIs also offer resilience to policy shifts. When a traditional bank revises its risk appetite, it may freeze corridors or even offboard entire client segments. With an EMI, the institution generally swaps or rebalances partner banks behind the scenes, preserving your account credentials and day-to-day continuity. In practical terms, that means fewer emergency re-onboardings, fewer \u201crelationship letters\u201d to counterparties, and less disruption.<\/p>\n<p>Cost and speed matter in the hunt for the cheapest offshore bank account equivalent. Because EMIs don\u2019t run lending books or deposit insurance schemes, their operating model supports lower entry costs, faster onboarding, and transparent FX\/transfer pricing. Many provide virtual IBANs in multiple currencies, and named accounts.<\/p>\n<p>Finally, EMIs are fit-for-purpose for modern compliance. Safeguarding rules require daily reconciliation and legal segregation of client funds; <a href=\"https:\/\/sumsub.com\/blog\/kyc-and-aml\/\" target=\"_blank\" rel=\"noopener\">KYC\/AML<\/a> controls mirror banks; and tax self-certifications (FATCA\/CRS as applicable) are built into onboarding. For an offshore holding company or SPV, the result is a payment stack that is portable, corridor-rich, and documentation-led, ideal for ring-fenced treasury, distributions, and exits.<\/p>\n<p>Traditional banks still make sense when you need credit, complex trade finance, or deposit insurance, but for most cross-border operating needs, the EMI model offers broader reach, quicker activation, and fewer single-bank bottlenecks.<\/p>\n<h2 id='emi-vs-traditional-offshore-bank-key-differences'><b>EMI vs Traditional Offshore Bank: Key Differences<\/b><\/h2>\n<p>When you\u2019re trying to open offshore bank account facilities at low cost, the choice between an EMI and a traditional offshore bank determines speed, resilience, and ongoing compliance burden. EMIs are payments-first: they issue accounts and route transfers while safeguarding client funds with multiple partner banks.<\/p>\n<p>Traditional banks are balance-sheet institutions: they take deposits, lend, and clear primarily through their own correspondent network. This creates a practical split. EMIs usually reach more corridors, adapt faster when a partner\u2019s risk appetite tightens (they can switch intermediaries without disrupting your front-end), and often deliver the cheapest offshore bank account functionality for payments and FX. Traditional banks still matter for credit, trade finance, and when you specifically need deposit insurance tied to that jurisdiction.<\/p>\n<p>Below is a side-by-side snapshot you can use in internal memos or board packs.<\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Dimension<\/b><\/td>\n<td><b>EMI<\/b><\/td>\n<td><b>Traditional Offshore Bank<\/b><\/td>\n<\/tr>\n<tr>\n<td>License &amp; model<\/td>\n<td>Electronic money\/payment services; no direct deposit-taking<\/td>\n<td>Full banking license; deposit-taking + lending<\/td>\n<\/tr>\n<tr>\n<td>Client money protection<\/td>\n<td>Safeguarded in segregated accounts with credit institutions; not deposit-insured<\/td>\n<td>Covered (if applicable) by a deposit guarantee scheme; classic bank custody<\/td>\n<\/tr>\n<tr>\n<td>Correspondent access<\/td>\n<td>Multi-bank interoperability (can use several partner banks\/rails)<\/td>\n<td>Mostly own network + fixed correspondents<\/td>\n<\/tr>\n<tr>\n<td>Response to risk-appetite changes<\/td>\n<td>EMI can quietly switch or rebalance partner banks; continuity preserved<\/td>\n<td>Bank may freeze corridors or offboard; you reopen elsewhere<\/td>\n<\/tr>\n<tr>\n<td>Onboarding speed<\/td>\n<td>Typically faster, documentation-led (days)<\/td>\n<td>Often slower, relationship-driven (weeks)<\/td>\n<\/tr>\n<tr>\n<td>Up-front cost profile<\/td>\n<td>Optimized for cheapest offshore bank account use cases (low setup; transparent fees)<\/td>\n<td>May require minimum balances, package fees, relationship thresholds<\/td>\n<\/tr>\n<tr>\n<td>Lending &amp; credit<\/td>\n<td>Not offered from client balances (no lending book)<\/td>\n<td>Loans, credit lines, trade finance possible<\/td>\n<\/tr>\n<tr>\n<td>FX &amp; payments<\/td>\n<td>Wide corridor coverage; API-friendly; virtual\/named IBANs common<\/td>\n<td>Strong SWIFT access; FX varies by bank policy<\/td>\n<\/tr>\n<tr>\n<td>Portability<\/td>\n<td>High\u2014account stays while EMI swaps back-end partners<\/td>\n<td>Lower\u2014moving banks often means full re-onboarding<\/td>\n<\/tr>\n<tr>\n<td>Regulatory posture<\/td>\n<td>AML\/KYC like banks; FATCA\/CRS self-certs as applicable; daily safeguarding reconciliations<\/td>\n<td>AML\/KYC + prudential capital rules; FATCA\/CRS where applicable<\/td>\n<\/tr>\n<tr>\n<td>Best for<\/td>\n<td>Holding companies\/SPVs needing fast, low-cost payments, treasury, distributions<\/td>\n<td>Entities needing credit, term deposits, or a \u201cbanking title\u201d for counterparties<\/td>\n<\/tr>\n<tr>\n<td>Main trade-off<\/td>\n<td>No deposit insurance; no lending<\/td>\n<td>Slower changes, tighter single-bank policies, higher friction\/cost<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id='conclusion'><strong>Conclus\u00e3o\u00a0<\/strong><\/h2>\n<p>A smart offshore payments stack balances legal robustness with practical reach. For most holding companies and SMEs chasing the cheapest offshore bank account functionality, EMIs win on speed, corridor breadth, and resilience, because they can switch partner banks without disrupting your front end.<\/p>\n<p>Traditional offshore banks still matter when you need credit, deposit insurance, or the signaling value of a banking title to satisfy counterparties. Whatever you choose, durability comes from clean KYC, documented commercial purpose, and ongoing AML\/CTF discipline that matches your actual flows. Build the file once, keep it current, and your cross-border rails will remain fast, compliant, and defensible.<\/p>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"g-cols wpb_row us_custom_23d78c9b hide_on_default hide_on_laptops via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_middle type_default stacking_default\" style=\"--gap:3rem;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><h3 class=\"w-text us_custom_c57c2555 has_text_color hide_on_default hide_on_laptops\"><span class=\"w-text-h\"><span class=\"w-text-value\">Perguntas frequentes<\/span><\/span><\/h3><div class=\"w-tabs us_custom_6a9b8108 style_default switch_click accordion has_scrolling\" style=\"--sections-title-size:inherit\"><div class=\"w-tabs-sections titles-align_none icon_plus cpos_right\"><div class=\"w-tabs-section\" id=\"d098\"><button class=\"w-tabs-section-header\" aria-controls=\"content-d098\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">What is an EMI in offshore banking?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-d098\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>An Electronic Money Institution (EMI) is a regulated non-bank that issues e-money and provides payments\/FX with safeguarded client funds. It\u2019s ideal when you need to open offshore bank account capabilities fast and at low cost.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"v2c4\"><button class=\"w-tabs-section-header\" aria-controls=\"content-v2c4\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Is an EMI better than a traditional bank?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-v2c4\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>Often yes, EMIs can plug into multiple correspondent banks, giving broader corridors and lower entry costs for the cheapest offshore bank account use cases, while banks tie you to one network.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"u4b5\"><button class=\"w-tabs-section-header\" aria-controls=\"content-u4b5\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Are EMI funds safe if they aren\u2019t deposit-insured?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-u4b5\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>EMIs safeguard client money in segregated accounts and reconcile daily under regulation. It\u2019s not deposit insurance, but it provides strong legal protection for routine cross-border payments.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"m6a2\"><button class=\"w-tabs-section-header\" aria-controls=\"content-m6a2\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Can I open offshore bank account access with an EMI if my company is in BVI or Seychelles?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-m6a2\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>Generally yes, EMIs routinely onboard holding companies and SPVs from common offshore jurisdictions, subject to full KYC\/UBO checks and lawful source-of-funds documentation.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"l858\"><button class=\"w-tabs-section-header\" aria-controls=\"content-l858\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">When should I choose a traditional bank instead of an EMI?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-l858\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>Pick a bank if you need credit lines, deposit insurance, or trade finance, otherwise an EMI usually delivers faster onboarding, multi-currency rails, and the cheapest offshore bank account functionality.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row hide_on_tablets hide_on_mobiles height_small\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1-4-1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><h3 class=\"w-text us_custom_c57c2555 has_text_color\"><span class=\"w-text-h\"><span class=\"w-text-value\">Perguntas frequentes<\/span><\/span><\/h3><div class=\"w-tabs us_custom_57af4b14 style_default switch_click accordion has_scrolling\" style=\"--sections-title-size:inherit\"><div class=\"w-tabs-sections titles-align_none icon_plus cpos_right\"><div class=\"w-tabs-section\" id=\"y0e6\"><button class=\"w-tabs-section-header\" aria-controls=\"content-y0e6\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">What is an EMI in offshore banking?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-y0e6\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>An Electronic Money Institution (EMI) is a regulated non-bank that issues e-money and provides payments\/FX with safeguarded client funds. It\u2019s ideal when you need to open offshore bank account capabilities fast and at low cost.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"e293\"><button class=\"w-tabs-section-header\" aria-controls=\"content-e293\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Is an EMI better than a traditional bank?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-e293\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>Often yes, EMIs can plug into multiple correspondent banks, giving broader corridors and lower entry costs for the cheapest offshore bank account use cases, while banks tie you to one network.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"c3db\"><button class=\"w-tabs-section-header\" aria-controls=\"content-c3db\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Are EMI funds safe if they aren\u2019t deposit-insured?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-c3db\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>EMIs safeguard client money in segregated accounts and reconcile daily under regulation. It\u2019s not deposit insurance, but it provides strong legal protection for routine cross-border payments.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"h51b\"><button class=\"w-tabs-section-header\" aria-controls=\"content-h51b\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Can I open offshore bank account access with an EMI if my company is in BVI or Seychelles?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-h51b\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>Generally yes, EMIs routinely onboard holding companies and SPVs from common offshore jurisdictions, subject to full KYC\/UBO checks and lawful source-of-funds documentation.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"p648\"><button class=\"w-tabs-section-header\" aria-controls=\"content-p648\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">When should I choose a traditional bank instead of an EMI?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-p648\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>Pick a bank if you need credit lines, deposit insurance, or trade finance, otherwise an EMI usually delivers faster onboarding, multi-currency rails, and the cheapest offshore bank account functionality.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_small\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-html\"><style>\n.postdata h1, .postdata h2, .postdata h3, .postdata h4, .postdata h5, .postdata h6{\ncolor:#1db38d!important;\nfont-size:x-large;}\n<\/style><\/div><div class=\"wpb_text_column us_custom_e3e7975b\"><div class=\"wpb_wrapper\"><p data-pm-slice=\"1 1 &#091;&#093;\"><em><span style=\"font-weight: 550;\">Isen\u00e7\u00e3o de responsabilidade:<\/span> As informa\u00e7\u00f5es fornecidas neste site destinam-se apenas a fins de refer\u00eancia geral e educacionais. Embora a OVZA se esforce ao m\u00e1ximo para garantir a precis\u00e3o e a atualidade das informa\u00e7\u00f5es, o conte\u00fado n\u00e3o deve ser considerado como aconselhamento jur\u00eddico, financeiro ou tribut\u00e1rio.<\/em><\/p>\n<\/div><\/div><div class=\"w-text us_custom_f88b33b2\"><span class=\"w-text-h\"><span class=\"w-text-value\">Compartilhe este artigo<\/span><\/span><\/div><div class=\"w-socials us_custom_165216c9 fixicons color_brand shape_circle style_outlined hover_slide\" style=\"--gap:0.25em;\"><div class=\"w-socials-list\"><div class=\"w-socials-item facebook\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/ovza.com\/offshore-entities-and-international-trade-law\" class=\"w-socials-item-link\" title=\"Facebook\" aria-label=\"Facebook\"><span class=\"w-socials-item-link-hover\"><\/span><i class=\"fab fa-facebook\"><\/i><\/a><\/div><div class=\"w-socials-item twitter\"><a target=\"_blank\" href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/ovza.com\/offshore-entities-and-international-trade-law\" class=\"w-socials-item-link\" title=\"Twitter\" aria-label=\"Twitter\"><span class=\"w-socials-item-link-hover\"><\/span><i class=\"fab fa-x-twitter\"><svg style=\"width:1em; margin-bottom:-.1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path fill=\"currentColor\" d=\"M389.2 48h70.6L305.6 224.2 487 464H345L233.7 318.6 106.5 464H35.8L200.7 275.5 26.8 48H172.4L272.9 180.9 389.2 48zM364.4 421.8h39.1L151.1 88h-42L364.4 421.8z\"\/><\/svg><\/i><\/a><\/div><div class=\"w-socials-item linkedin\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?mini=true&amp;url=https:\/\/ovza.com\/offshore-entities-and-international-trade-law\" class=\"w-socials-item-link\" title=\"LinkedIn\" aria-label=\"LinkedIn\"><span class=\"w-socials-item-link-hover\"><\/span><i class=\"fab fa-linkedin\"><\/i><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>","protected":false},"excerpt":{"rendered":"Electronic Money Institution (EMI) licensing created a regulated way to issue stored value and move money across borders without being a deposit-taking bank. An EMI focuses on account issuance, payments, and FX under a defined EMI license, while client funds are safeguarded rather than deposit-insured. For founders, CFOs, and counsel, the attraction is fast, compliant...","protected":false},"author":4,"featured_media":15206,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[126],"tags":[],"class_list":["post-15205","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles-and-industry"],"acf":[],"_links":{"self":[{"href":"https:\/\/ovza.com\/pt\/wp-json\/wp\/v2\/posts\/15205","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ovza.com\/pt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ovza.com\/pt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ovza.com\/pt\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/ovza.com\/pt\/wp-json\/wp\/v2\/comments?post=15205"}],"version-history":[{"count":4,"href":"https:\/\/ovza.com\/pt\/wp-json\/wp\/v2\/posts\/15205\/revisions"}],"predecessor-version":[{"id":15269,"href":"https:\/\/ovza.com\/pt\/wp-json\/wp\/v2\/posts\/15205\/revisions\/15269"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ovza.com\/pt\/wp-json\/wp\/v2\/media\/15206"}],"wp:attachment":[{"href":"https:\/\/ovza.com\/pt\/wp-json\/wp\/v2\/media?parent=15205"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ovza.com\/pt\/wp-json\/wp\/v2\/categories?post=15205"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ovza.com\/pt\/wp-json\/wp\/v2\/tags?post=15205"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}<!-- This website is optimized by Airlift. Learn more: https://airlift.net. Template:. Learn more: https://airlift.net. Template: 6a5f60dd46fa5c22c6ff87a5. Config Timestamp: 2026-07-21 12:06:43 UTC, Cached Timestamp: 2026-07-24 10:25:22 UTC, Optimization Time: 8.01ms -->