{"id":9476,"date":"2025-06-28T14:42:49","date_gmt":"2025-06-28T11:42:49","guid":{"rendered":"https:\/\/ovza.com\/?p=9476"},"modified":"2025-11-09T14:46:35","modified_gmt":"2025-11-09T12:46:35","slug":"offshore-ibc-insolvency-and-creditor-rights","status":"publish","type":"post","link":"https:\/\/ovza.com\/ru\/offshore-ibc-insolvency-and-creditor-rights\/","title":{"rendered":"\u041e\u0444\u0444\u0448\u043e\u0440\u043d\u044b\u0435 IBC: \u0431\u0430\u043d\u043a\u0440\u043e\u0442\u0441\u0442\u0432\u043e \u0438 \u043f\u0440\u0430\u0432\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u043e\u0432"},"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, 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","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\/06\/Offshore-IBC-Insolvency-Creditor-Rights.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>Creditor enforcement and insolvency rules for offshore IBCs cover cross-border recognition, liquidation procedures, and asset recovery challenges. Offshore IBC insolvency and creditor rights involve a complex interplay of corporate law, cross-border enforcement, and asset protection regimes. When an International Business Company becomes insolvent, the legal remedies available to creditors are determined not only by the laws of the incorporating jurisdiction but also by the recognition and enforceability of those rights across foreign courts where assets may be held. Jurisdictions such as the British Virgin Islands and Seychelles provide statutory frameworks for liquidation and creditor recovery, yet practical enforcement often hinges on international cooperation, transparency obligations, and the ability to trace assets through layered structures. As global regulatory standards continue to evolve, legal practitioners must navigate a fragmented legal environment where creditor protection increasingly intersects with offshore confidentiality and structural complexity.<\/p>\n<h2 id='legal-framework-and-jurisdictional-limits'><strong>Legal Framework and Jurisdictional Limits<\/strong><\/h2>\n<p>The issue of offshore IBC insolvency and creditor rights sits at the intersection of corporate law, cross-border enforcement, and asset recovery regimes. International Business Companies (IBCs), typically incorporated under the laws of jurisdictions such as the British Virgin Islands, Seychelles, or Belize, are treated as separate legal persons under the incorporation statutes of their respective jurisdictions. This distinct legal personality affords IBCs operational flexibility and limited liability, but also creates challenges when such companies enter insolvency or become subject to enforcement proceedings initiated by creditors.<\/p>\n<p>In the British Virgin Islands, for instance, the BVI Insolvency Act, 2003 governs the winding up of companies, including IBCs. The Act provides for both voluntary and compulsory liquidation, with appointed liquidators possessing broad investigative and recovery powers. Importantly, creditors have standing to petition the court for liquidation based on the company\u2019s inability to pay debts, provided they satisfy the statutory requirements for demand and non-payment. Despite the territorial scope of such laws, the extraterritorial reach of asset tracing and creditor enforcement often depends on cooperation from foreign jurisdictions, particularly where the IBC holds property or bank accounts abroad.<\/p>\n<p>Insolvency of an offshore IBC generally triggers a stay of proceedings and consolidation of creditor claims under the supervision of the domestic courts of incorporation. However, this does not preclude parallel litigation or recognition applications in jurisdictions where the IBC owns assets or has established financial relationships. The<a href=\"https:\/\/uncitral.un.org\/en\/texts\/insolvency\/modellaw\/cross-border_insolvency\" target=\"_blank\" rel=\"noopener\"> UNCITRAL Model Law on Cross-Border Insolvency<\/a> has been adopted in modified form by several jurisdictions, including the BVI and the Cayman Islands, to facilitate the recognition of foreign insolvency proceedings and to coordinate the administration of transnational estates. Where applicable, this framework allows for greater procedural coherence, although domestic priorities and public policy considerations may limit its application.<\/p>\n<p>In jurisdictions such as Seychelles, insolvency procedures for IBCs are governed by the Insolvency Act, 2013, which includes statutory guidance on fraudulent trading, creditor preferences, and director liability. Directors of an insolvent IBC may face civil consequences if they continue to trade while aware of the company\u2019s financial distress, a principle derived from common law wrongful trading doctrines. These provisions are critical to the equitable treatment of creditors and the deterrence of abuse within offshore frameworks.<\/p>\n<p>Creditors seeking to enforce claims against an insolvent offshore IBC must also contend with the corporate structure and asset protection mechanisms often embedded in such entities. Assets may be shielded through nominee holdings, discretionary trusts, or layered company arrangements across multiple jurisdictions. While these structures are lawful when implemented for legitimate purposes, courts may look through such devices if there is evidence of fraud, sham, or intention to frustrate creditors. The doctrine of piercing the corporate veil, though narrowly applied in most common law systems, remains relevant in egregious cases where the IBC is merely an instrumentality of its beneficial owners.<\/p>\n<p>The legal tension between creditor rights and offshore asset protection has prompted increasing scrutiny from international bodies such as the <a href=\"https:\/\/www.fatf-gafi.org\/en\/home.html\" target=\"_blank\" rel=\"noopener\">\u0413\u0440\u0443\u043f\u043f\u0430 \u0440\u0430\u0437\u0440\u0430\u0431\u043e\u0442\u043a\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0445 \u043c\u0435\u0440 \u0431\u043e\u0440\u044c\u0431\u044b \u0441 \u043e\u0442\u043c\u044b\u0432\u0430\u043d\u0438\u0435\u043c \u0434\u0435\u043d\u0435\u0433 (FATF)<\/a> \u0438 <a href=\"https:\/\/www.oecd.org\/tax\/\" target=\"_blank\" rel=\"noopener\">\u041e\u042d\u0421\u0420<\/a>. While neither body regulates insolvency law directly, their guidelines on transparency, beneficial ownership disclosure, and AML standards influence how offshore jurisdictions structure their legal responses to creditor actions. These standards also affect whether and how courts cooperate in cross-border enforcement actions involving offshore companies.<\/p>\n<h2 id='liquidation-mechanisms-priority-of-claims-and-judicial-oversight'><b>Liquidation Mechanisms, Priority of Claims, and Judicial Oversight<\/b><\/h2>\n<p>The framework for offshore IBC insolvency and creditor rights typically follows a creditor-led liquidation model under which claims are prioritized according to statutory hierarchies. These priorities are generally uniform across offshore jurisdictions that follow English common law, placing secured creditors and liquidation expenses at the top, followed by preferential claims such as employee wages or unpaid taxes, and finally unsecured creditors. Shareholders rank lowest in priority and typically recover only if all creditors are satisfied in full.<\/p>\n<p>In the British Virgin Islands, Section 207 of the Insolvency Act, 2003 outlines the order of distribution of assets during liquidation. Similar frameworks exist under the Seychelles Insolvency Act and the Belize International Business Companies Act, which have been harmonized in part with global expectations of equitable distribution, particularly in the context of transnational insolvency claims. These statutory orders may be modified by contractual subordination agreements or security interests perfected in accordance with local law.<\/p>\n<p>When an IBC enters insolvency proceedings, creditors may file proof of debt with the appointed liquidator and may challenge improper asset transfers, fraudulent preferences, or undervalued transactions. Insolvency statutes in most offshore jurisdictions provide liquidators with clawback powers allowing them to unwind transactions that improperly deplete the company\u2019s estate. Such remedies may extend to transactions made with related parties or under circumstances that would prejudice the legitimate expectations of arm\u2019s length creditors. These doctrines, while familiar in onshore insolvency practice, are increasingly relied upon in offshore contexts where asset concealment is more prevalent.<\/p>\n<p>Creditors may also seek recognition of their claims in foreign jurisdictions where the IBC holds bank accounts, real estate, or securities. Recognition of offshore insolvency orders may be granted under local private international law rules or under treaties and model law implementations. The extent to which an offshore insolvency proceeding will be recognized abroad depends on the jurisdiction\u2019s domestic law and the legal nature of the relief sought. Not all jurisdictions treat insolvency judgments as enforceable, particularly where the foreign court is not deemed to have sufficient jurisdictional connection to the matter.<\/p>\n<p>Insolvency of offshore companies also raises questions about the enforceability of arbitration clauses and forum selection agreements in the event of debtor insolvency. Although such clauses remain binding in many commercial contexts, insolvency courts may assume jurisdiction over disputes involving insolvent estates where it is in the interests of creditor equality and procedural efficiency. This creates an area of friction between contractual obligations and insolvency law, particularly when arbitration is seated in jurisdictions other than that of incorporation.<\/p>\n<p>A specific complication arises when dealing with offshore IBC insolvency and creditor rights in the context of banking relationships. Offshore companies frequently rely on banking or electronic money institutions (EMIs) located in third countries, and the proceeds of these accounts may be governed by the law of the financial institution\u2019s domicile. In such cases, liquidators may face procedural and substantive challenges in obtaining release of account balances, particularly where local authorities freeze funds in response to regulatory inquiries or where the EMI invokes indemnification clauses. Legal coordination with financial institutions in such jurisdictions is essential, and frequently includes the submission of apostilled documents, recognition orders, or letters rogatory.<\/p>\n<p>Where trusts or nominee arrangements are involved, creditors may attempt to challenge transfers into such structures on the grounds of fraudulent conveyance. Offshore jurisdictions typically uphold the validity of trusts unless it can be proven that the trust was established with the specific intent to defraud known creditors. These cases often hinge on timing, control, and the availability of clear documentation demonstrating the purpose and independence of the trust. In litigation involving cross-border trust disputes, courts may refer to international instruments such as the <a href=\"https:\/\/www.hcch.net\/en\/instruments\/conventions\/full-text\/?cid=59\" target=\"_blank\" rel=\"noopener\">Hague Trusts Convention<\/a>, though its applicability varies based on local ratification and recognition standards.<\/p>\n<h2 id='enforcement-limitations-and-evolving-norms'><b>Enforcement Limitations and Evolving Norms<\/b><\/h2>\n<p>One of the most complex elements of offshore IBC insolvency and creditor rights is the enforcement of judgments across jurisdictions. Even where liquidation orders are granted in the jurisdiction of incorporation, the practical enforcement of those orders against bank accounts, securities, or real assets located elsewhere depends on the willingness of foreign courts to recognize the insolvency and the legal authority of the liquidator. In jurisdictions where public policy considerations, currency controls, or banking secrecy laws remain in effect, cooperation with offshore proceedings may be restricted or subject to judicial discretion.<\/p>\n<p>Creditor rights are further complicated by the anonymous or opaque nature of many IBC ownership structures. While international standards increasingly require beneficial ownership disclosure through registered agents or competent authorities, public registers are still not uniformly implemented across offshore jurisdictions. This impedes creditors\u2019 efforts to trace and attach assets held indirectly through layers of corporate or trust arrangements. Nonetheless, reforms promoted by the <a href=\"https:\/\/www.oecd.org\/tax\/transparency\/\" target=\"_blank\" rel=\"noopener\">OECD Global Forum<\/a> \u0438<a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/?uri=CELEX:32018L0843\" target=\"_blank\" rel=\"noopener\"> EU AML Directives<\/a> are placing pressure on jurisdictions to adopt centralized, accessible beneficial ownership frameworks that can support both insolvency and enforcement actions.<\/p>\n<p>It is essential to distinguish between the internal governance failure of an IBC and external creditor strategies that rely on procedural coordination. Many insolvencies are not due to asset depletion but rather structural opacity or regulatory complications that make enforcement difficult. This dynamic has led to increased reliance on private investigations, asset tracing litigation, and even insolvency practitioner networks to recover creditor value. Practitioners handling <b>offshore IBC insolvency and creditor rights<\/b> often work in tandem with legal counsel in other jurisdictions to issue Mareva injunctions, commence foreign recognition proceedings, or challenge asset protection schemes under local fraudulent transfer laws.<\/p>\n<p>In some jurisdictions, courts are increasingly willing to entertain arguments that the IBC was a mere fa\u00e7ade for its beneficial owners, particularly where corporate formalities were disregarded or the company failed to maintain books and records as required under incorporation statutes. These veil-piercing cases remain exceptional but underscore the judicial trend toward substantive review over formal legal structure in insolvency and creditor recovery actions.<\/p>\n<p>International standards continue to evolve around the transparency, accountability, and enforceability of offshore structures. Tools such as country-by-country reporting, automatic exchange of information, and multilateral cooperation on insolvency frameworks are gradually harmonizing creditor rights against offshore assets. However, significant legal and practical obstacles remain, particularly in jurisdictions that maintain low disclosure thresholds or lack treaty arrangements.<\/p>\n<h2 id='conclusion'><b>\u0417\u0430\u043a\u043b\u044e\u0447\u0435\u043d\u0438\u0435<\/b><\/h2>\n<p>The legal regime governing offshore IBC insolvency and creditor rights is complex, fragmented, and deeply shaped by the interaction between local statutes and cross-border enforcement mechanisms. While offshore IBCs offer limited liability and asset protection benefits, those advantages must be reconciled with creditor rights, judicial cooperation, and statutory duties under insolvency law. Liquidators, creditors, and legal counsel must navigate divergent insolvency frameworks, international recognition standards, and the practical limitations of recovering assets dispersed across jurisdictions.<\/p>\n<p>The strength of any offshore structure rests not only on the laws of the incorporating jurisdiction but also on the legitimacy of its purpose and the transparency of its governance. As global norms shift toward greater creditor protection and regulatory oversight, the legal sustainability of offshore IBCs in insolvency scenarios will increasingly depend on structural integrity, proper documentation, and cross-jurisdictional compliance. Insights drawn from broader<a href=\"https:\/\/ovza.com\/ru\/%d0%b1%d0%bb%d0%be%d0%b3\/\"> offshore structuring challenges<\/a> illustrate the growing need for legal precision and strategic foresight in designing offshore companies that can withstand judicial scrutiny in times of financial distress.<\/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\">\u0427\u0430\u0441\u0442\u043e \u0437\u0430\u0434\u0430\u0432\u0430\u0435\u043c\u044b\u0435 \u0432\u043e\u043f\u0440\u043e\u0441\u044b<\/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=\"l8d7\"><button class=\"w-tabs-section-header\" aria-controls=\"content-l8d7\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">What is the insolvency and creditor rights standard?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-l8d7\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>The ICR Standard is\u00a0<b>comprised of the World Bank Principles for Effective Insolvency and Creditor Rights Systems (2011) and the Recommendations from the UNCITRAL Legislative Guide on Insolvency Law (2010)<\/b>.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"ya15\"><button class=\"w-tabs-section-header\" aria-controls=\"content-ya15\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">What are creditors and their role under IBC 2016?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-ya15\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>Creditor rights under the Insolvency and Bankruptcy Code (IBC) 2016 are legal provisions that\u00a0<b>safeguard the interests of individuals and organizations (creditors) who are owed debts by debtors<\/b>. These rights ensure that creditors have a fair and equitable process for recovering their dues during insolvency proceedings.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"eb6c\"><button class=\"w-tabs-section-header\" aria-controls=\"content-eb6c\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">What is a creditor under insolvency rules?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-eb6c\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><div id=\"vjy0aN7lKtGikdUP9aTpuA8__76\">\n<div class=\"wDYxhc\" data-md=\"61\">\n<div class=\"LGOjhe\" data-attrid=\"wa:\/description\" data-hveid=\"CEUQAA\"><span class=\"BxUVEf ILfuVd\" lang=\"en\"><span class=\"hgKElc\">A creditor may have a claim of payment against a debtor that is either liquidated or unliquidated. Under Insolvency Rules 1986, r 1.17(3),\u00a0<b>the term creditor encompasses persons whose claims are unliquidiated or are of uncertain value at the relevant date<\/b>.<\/span><\/span><\/div>\n<\/div>\n<\/div>\n<div id=\"vjy0aN7lKtGikdUP9aTpuA8__77\">\n<div class=\"Y6JuXb\">\n<div data-hveid=\"CEIQAA\" data-ved=\"2ahUKEwjevJOfg7WPAxVRUaQEHXVSGvcQFSgAegQIQhAA\">\n<div class=\"tF2Cxc\">\n<div class=\"yuRUbf\">\n<div class=\"b8lM7\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"kc0b\"><button class=\"w-tabs-section-header\" aria-controls=\"content-kc0b\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">What are the principles for effective creditor rights and insolvency systems?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-kc0b\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>Systems should aspire to: (i)\u00a0<b>integrate with a country&#8217;s broader legal and commercial systems<\/b>; (ii) maximize the value of a firm&#8217;s assets and recoveries by creditors; (iii) provide for the efficient liquidation of both nonviable businesses and businesses<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"md64\"><button class=\"w-tabs-section-header\" aria-controls=\"content-md64\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">How many types of creditors are under IBC?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-md64\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>Two fundamental components of the insolvency procedure under the IBC, 2016 are\u00a0<b>a financial creditor and an operational creditor<\/b>. The 2016 Code distinguishes between financial and operational creditors. Financial creditors are those who have a purely financial contract with the entity, such as a loan or a debt security.<\/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\">\u0427\u0430\u0441\u0442\u043e \u0437\u0430\u0434\u0430\u0432\u0430\u0435\u043c\u044b\u0435 \u0432\u043e\u043f\u0440\u043e\u0441\u044b<\/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=\"ud93\"><button class=\"w-tabs-section-header\" aria-controls=\"content-ud93\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">What is the insolvency and creditor rights standard?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-ud93\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>The ICR Standard is\u00a0<b>comprised of the World Bank Principles for Effective Insolvency and Creditor Rights Systems (2011) and the Recommendations from the UNCITRAL Legislative Guide on Insolvency Law (2010)<\/b>.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"oec0\"><button class=\"w-tabs-section-header\" aria-controls=\"content-oec0\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">What are creditors and their role under IBC 2016?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-oec0\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>Creditor rights under the Insolvency and Bankruptcy Code (IBC) 2016 are legal provisions that\u00a0<b>safeguard the interests of individuals and organizations (creditors) who are owed debts by debtors<\/b>. These rights ensure that creditors have a fair and equitable process for recovering their dues during insolvency proceedings.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"z01a\"><button class=\"w-tabs-section-header\" aria-controls=\"content-z01a\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">What is a creditor under insolvency rules?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-z01a\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><div id=\"vjy0aN7lKtGikdUP9aTpuA8__76\">\n<div class=\"wDYxhc\" data-md=\"61\">\n<div class=\"LGOjhe\" data-attrid=\"wa:\/description\" data-hveid=\"CEUQAA\"><span class=\"BxUVEf ILfuVd\" lang=\"en\"><span class=\"hgKElc\">A creditor may have a claim of payment against a debtor that is either liquidated or unliquidated. Under Insolvency Rules 1986, r 1.17(3),\u00a0<b>the term creditor encompasses persons whose claims are unliquidiated or are of uncertain value at the relevant date<\/b>.<\/span><\/span><\/div>\n<\/div>\n<\/div>\n<div id=\"vjy0aN7lKtGikdUP9aTpuA8__77\">\n<div class=\"Y6JuXb\">\n<div data-hveid=\"CEIQAA\" data-ved=\"2ahUKEwjevJOfg7WPAxVRUaQEHXVSGvcQFSgAegQIQhAA\">\n<div class=\"tF2Cxc\">\n<div class=\"yuRUbf\">\n<div class=\"b8lM7\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"g13d\"><button class=\"w-tabs-section-header\" aria-controls=\"content-g13d\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">What are the principles for effective creditor rights and insolvency systems?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-g13d\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>Systems should aspire to: (i)\u00a0<b>integrate with a country&#8217;s broader legal and commercial systems<\/b>; (ii) maximize the value of a firm&#8217;s assets and recoveries by creditors; (iii) provide for the efficient liquidation of both nonviable businesses and businesses<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"p25a\"><button class=\"w-tabs-section-header\" aria-controls=\"content-p25a\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">How many types of creditors are under IBC?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-p25a\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>Two fundamental components of the insolvency procedure under the IBC, 2016 are\u00a0<b>a financial creditor and an operational creditor<\/b>. The 2016 Code distinguishes between financial and operational creditors. Financial creditors are those who have a purely financial contract with the entity, such as a loan or a debt security.<\/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;\">\u041f\u0440\u0435\u0434\u0443\u043f\u0440\u0435\u0436\u0434\u0435\u043d\u0438\u0435:<\/span> \u0418\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f, \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043b\u0435\u043d\u043d\u0430\u044f \u043d\u0430 \u044d\u0442\u043e\u043c \u0432\u0435\u0431-\u0441\u0430\u0439\u0442\u0435, \u043f\u0440\u0435\u0434\u043d\u0430\u0437\u043d\u0430\u0447\u0435\u043d\u0430 \u0442\u043e\u043b\u044c\u043a\u043e \u0434\u043b\u044f \u043e\u0431\u0449\u0435\u0433\u043e \u043e\u0437\u043d\u0430\u043a\u043e\u043c\u043b\u0435\u043d\u0438\u044f \u0438 \u043e\u0431\u0440\u0430\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u044c\u043d\u044b\u0445 \u0446\u0435\u043b\u0435\u0439. \u041d\u0435\u0441\u043c\u043e\u0442\u0440\u044f \u043d\u0430 \u0432\u0441\u0435 \u0443\u0441\u0438\u043b\u0438\u044f OVZA \u043f\u043e \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u0438\u044e \u0442\u043e\u0447\u043d\u043e\u0441\u0442\u0438 \u0438 \u0430\u043a\u0442\u0443\u0430\u043b\u044c\u043d\u043e\u0441\u0442\u0438 \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0438, \u0435\u0435 \u0441\u043e\u0434\u0435\u0440\u0436\u0430\u043d\u0438\u0435 \u043d\u0435 \u0441\u043b\u0435\u0434\u0443\u0435\u0442 \u0440\u0430\u0441\u0441\u043c\u0430\u0442\u0440\u0438\u0432\u0430\u0442\u044c \u043a\u0430\u043a \u044e\u0440\u0438\u0434\u0438\u0447\u0435\u0441\u043a\u0443\u044e, \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0443\u044e \u0438\u043b\u0438 \u043d\u0430\u043b\u043e\u0433\u043e\u0432\u0443\u044e \u043a\u043e\u043d\u0441\u0443\u043b\u044c\u0442\u0430\u0446\u0438\u044e.<\/em><\/p>\n<\/div><\/div><div class=\"w-text us_custom_f88b33b2\"><span class=\"w-text-h\"><span class=\"w-text-value\">\u041f\u043e\u0434\u0435\u043b\u0438\u0442\u0435\u0441\u044c \u044d\u0442\u043e\u0439 \u0441\u0442\u0430\u0442\u044c\u0435\u0439<\/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=\"\u0424\u0435\u0439\u0441\u0431\u0443\u043a\" aria-label=\"\u0424\u0435\u0439\u0441\u0431\u0443\u043a\"><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=\"\u0422\u0432\u0438\u0442\u0442\u0435\u0440\" aria-label=\"\u0422\u0432\u0438\u0442\u0442\u0435\u0440\"><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":"Creditor enforcement and insolvency rules for offshore IBCs cover cross-border recognition, liquidation procedures, and asset recovery challenges. Offshore IBC insolvency and creditor rights involve a complex interplay of corporate law, cross-border enforcement, and asset protection regimes. When an International Business Company becomes insolvent, the legal remedies available to creditors are determined not only by the...","protected":false},"author":4,"featured_media":9472,"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-9476","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles-and-industry","article-post-category-legal-topics"],"acf":[],"_links":{"self":[{"href":"https:\/\/ovza.com\/ru\/wp-json\/wp\/v2\/posts\/9476","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ovza.com\/ru\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ovza.com\/ru\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ovza.com\/ru\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/ovza.com\/ru\/wp-json\/wp\/v2\/comments?post=9476"}],"version-history":[{"count":11,"href":"https:\/\/ovza.com\/ru\/wp-json\/wp\/v2\/posts\/9476\/revisions"}],"predecessor-version":[{"id":10735,"href":"https:\/\/ovza.com\/ru\/wp-json\/wp\/v2\/posts\/9476\/revisions\/10735"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ovza.com\/ru\/wp-json\/wp\/v2\/media\/9472"}],"wp:attachment":[{"href":"https:\/\/ovza.com\/ru\/wp-json\/wp\/v2\/media?parent=9476"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ovza.com\/ru\/wp-json\/wp\/v2\/categories?post=9476"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ovza.com\/ru\/wp-json\/wp\/v2\/tags?post=9476"}],"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: 2026-07-22 22:07:45 UTC, Optimization Time: 42.44ms -->