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.bd_toc_container .bd_toc_arrow {
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    display: inline-block;
    padding: 3px;
    transform: rotate(-45deg);
    transition: transform 0.5s ease-in-out; }
.bd_toc_container .bd_toc_wrapper {
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    overflow: hidden; }
.bd_toc_container .bd_toc_wrapper .bd_toc_wrapper_item .bd_toc_header {
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.bd_toc_container .bd_toc_wrapper .bd_toc_wrapper_item .bd_toc_header .bd_toc_header_title {
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.bd_toc_container .bd_toc_wrapper .bd_toc_content.list-type-none ul {
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.bd_toc_container .bd_toc_wrapper .bd_toc_content_list_item ul {
      padding: 0;
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.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)}}
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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;
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    --color-title: #222222;
    --color-subtitle: #6b7280;
    --color-border: #e5e7eb;
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    --ovza-text: #101214;
    --ovza-muted: #5f6670;
    --ovza-line: rgba(16, 18, 20, 0.08);
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    --ovza-primary-dark: #16a34a;
    --ovza-pill: #eef2f3;
    --ovza-shadow: 0 24px 80px rgba(10, 18, 28, 0.16);
}
*, *::before, *::after {
    box-sizing: border-box;
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</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 {
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        transform: translateY(14px);
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    to {
        opacity: 1;
        transform: translateY(0);
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}

</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);
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    50% {
        transform: translate3d(0, -10px, 0);
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@keyframes partnerSignupFloatB {
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    50% {
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@keyframes partnerSignupFloatC {
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        transform: translate3d(0, 0, 0);
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    50% {
        transform: translate3d(0, -12px, 0);
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}

</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;
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}
.trp-shortcode-switcher {
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    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 {
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}
.trp-language-item {
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    gap: 8px;
    padding: 7px 16px;
    text-decoration: none;
    min-height: 19px;
    box-sizing: content-box;
}
.trp-language-item__current {
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}
.trp-language-item-name {
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.trp-flag-image {
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}

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<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}
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.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)}
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.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}
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.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}}
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@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)}}
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.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}

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<style class="bv-critical-css">
.ovza-flag-big.fi.fi-lr {  
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    display: inline-block !important; 
    background-size: cover !important; 
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    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 {
    
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</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>


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\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\/07\/Offshore-Digital-EMI-Licensing.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>Offshore digital EMI licensing require AML compliance, operational substance, and legal structuring aligned with cross-border financial regulations. A properly structured offshore Electronic Money Institution (EMI) license enables non-bank financial service providers to legally issue electronic money and facilitate digital payments across borders. These licenses, offered by select offshore jurisdictions, provide a regulated framework for fintech firms seeking operational flexibility outside traditional banking regimes. However, the legal validity of such structures depends on compliance with anti-money laundering laws, capital safeguards, and supervisory standards that align with international financial regulations.<\/p>\n<h2 id='legal-foundations-and-regulatory-divergence'><b>Legal Foundations and Regulatory Divergence<\/b><\/h2>\n<p>The licensing of Electronic Money Institutions (EMIs) in offshore jurisdictions has emerged as a specialized domain within international financial services regulation. A digital EMI license authorizes the issuance of electronic money and the provision of digital payment services, often encompassing cross-border fund transfers, prepaid cards, and virtual accounts. Offshore EMI structures are increasingly sought after by fintech entities, neobanks, and payment aggregators seeking regulatory flexibility, international customer onboarding, and reduced compliance burdens. However, the legal viability of these structures is predicated on strict adherence to anti-money laundering (AML) rules, capital adequacy standards, and cross-jurisdictional supervisory obligations.<\/p>\n<p>While EU-based EMIs are regulated under the<a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/?uri=CELEX:32009L0110\" target=\"_blank\" rel=\"noopener\"> Electronic Money Directive (2009\/110\/EC)<\/a> \u0438<a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/?uri=CELEX%3A32015L2366\" target=\"_blank\" rel=\"noopener\"> PSD2 framework<\/a>, offshore licensing regimes diverge substantially. Jurisdictions such as Mauritius, Labuan (Malaysia), Puerto Rico, and certain Eastern Caribbean states have developed bespoke frameworks allowing for the incorporation and regulation of EMIs under national financial services laws. These regimes often fall outside the EU passporting system but still adhere to <a href=\"https:\/\/www.fatf-gafi.org\/en\/publications\/Fatfrecommendations\/Fatf-recommendations.html\" target=\"_blank\" rel=\"noopener\">FATF<\/a> standards and increasingly adopt <a href=\"https:\/\/www.bis.org\/bcbs\/index.htm\" target=\"_blank\" rel=\"noopener\">Basel Committee principles<\/a> on operational resilience and capital safeguards.<\/p>\n<p>The decision to seek offshore EMI licensing is often based on the strategic objective of achieving legal personhood in a jurisdiction that permits operational flexibility across digital asset classes, including stablecoins and prepaid digital tokens. However, obtaining such a license does not in itself confer access to international correspondent banking or card network integration. Applicants must separately secure sponsorships from banking or acquiring partners, often in jurisdictions where de-risking policies impose enhanced due diligence for offshore financial entities. As a result, the legal architecture of an offshore EMI must be designed to demonstrate transparency, regulatory substance, and verifiable AML frameworks.<\/p>\n<p>Moreover, the proliferation of digital EMIs in lightly regulated offshore jurisdictions has attracted heightened scrutiny from global supervisory bodies and has prompted the adoption of enhanced licensing thresholds, including minimum capital requirements, board composition criteria, and technological safeguards. These compliance expectations are generally assessed during the license application process and remain subject to post-licensing audit and supervision. The growing alignment between offshore and onshore EMI regimes reflects a convergence in regulatory expectations even where legislative models differ.<\/p>\n<h2 id='licensing-procedure-substance-criteria-and-cross-border-supervision'><b>Licensing Procedure, Substance Criteria, and Cross-Border Supervision<\/b><\/h2>\n<p>The licensing procedure for offshore Electronic Money Institutions generally involves a multi-stage regulatory application, including business model disclosure, ownership vetting, AML policy submission, and the designation of a compliance officer. Offshore regulators such as the Financial Services Commission of Mauritius and the Labuan Financial Services Authority typically require a detailed operations manual, including risk management systems, transaction monitoring protocols, and client onboarding procedures. These requirements are consistent with the <a href=\"https:\/\/www.fatf-gafi.org\/en\/publications\/Fatfrecommendations\/Fatf-recommendations.html\" target=\"_blank\" rel=\"noopener\">FATF Recommendations<\/a>, particularly Recommendation 10 on customer due diligence and Recommendation 15 concerning new technologies.<\/p>\n<p>Substance requirements are a key determinant of regulatory credibility in offshore EMI licensing. Regulatory authorities have become increasingly unwilling to approve shell entities or nominee-director structures lacking demonstrable business activity in the jurisdiction of incorporation. In Mauritius, for example, an applicant for a digital EMI license must maintain a management presence, employ qualified local staff, and establish technical systems that are accessible for regulatory audit. These conditions are enforced through ongoing supervision and periodic inspections under the FSC\u2019s Risk-Based Supervision Framework.<\/p>\n<p>The regulatory distinction between an EMI and a traditional financial institution lies in the functional treatment of client funds. Electronic money is not a deposit under banking law and does not confer interest or profit entitlement. As a result, EMIs are exempt from certain banking-specific regulations but remain subject to client fund safeguarding and insolvency segregation requirements. Offshore EMI frameworks reflect this distinction by mandating trust or custodial arrangements for the holding of client balances and requiring reconciliation between issued e-money and segregated assets.<\/p>\n<p>Cross-border supervision poses unique legal challenges for offshore EMIs. Although an EMI may operate from a jurisdiction with formal regulatory oversight, its clients are often located globally. This creates potential legal exposure under the domestic financial services laws of the user\u2019s country of residence. Jurisdictions such as the European Union, Canada, and the United States maintain extraterritorial regulatory authority over financial services offered to their residents, which may trigger licensing, registration, or enforcement actions against offshore providers that serve users in those regions without proper authorization. As such, EMI licensees must structure their digital service delivery model to avoid legal nexus with prohibited markets or to meet threshold exemption requirements.<\/p>\n<p>The application of fintech licensing in offshore structures is further complicated by the inclusion of digital wallets, peer-to-peer transfer systems, and integrations with blockchain platforms. Some offshore jurisdictions permit EMI license holders to engage in ancillary virtual asset services, provided these are disclosed and authorized under the scope of their license. However, such integrations often raise new supervisory concerns relating to cybersecurity, consumer protection, and transaction traceability, which must be addressed during the license application process. In many cases, offshore EMI operators also seek legal opinions affirming compliance with applicable data protection and anti-terrorism finance laws.<\/p>\n<p>Legal practitioners involved in offshore EMI licensing are increasingly required to draft compliance memoranda that align with not only local statutes but also supranational obligations, including <a href=\"https:\/\/www.oecd.org\/tax\/automatic-exchange\/common-reporting-standard\/\" target=\"_blank\" rel=\"noopener\">OECD CRS<\/a> reporting and<a href=\"https:\/\/www.consilium.europa.eu\/en\/policies\/eu-list-of-non-cooperative-jurisdictions\/\" target=\"_blank\" rel=\"noopener\"> EU blacklisting criteria<\/a>. The overlap between offshore licensing and international information exchange frameworks has led to stricter onboarding requirements, including ultimate beneficial ownership disclosure, source of funds verification, and enhanced due diligence for politically exposed persons.<\/p>\n<h2 id='market-access-revocation-risks-and-legal-viability'><b>Market Access, Revocation Risks, and Legal Viability<\/b><\/h2>\n<p>The legal sustainability of offshore digital EMI structures ultimately hinges on whether the licensing framework supports not just regulatory approval, but operational continuity and market access. A license that enables the issuance of electronic money must be complemented by correspondent arrangements with payment networks, currency exchange providers, and acquiring institutions. Many offshore EMIs struggle to access global banking infrastructure due to de-risking practices imposed by upstream institutions wary of regulatory exposure. This has led to the development of alternative banking models, including the use of digital custodians, third-party payment processors, and integration with regulated virtual asset service providers.<\/p>\n<p>Another core risk in the offshore EMI space is license revocation, which may result from regulatory breaches, noncompliance with reporting requirements, or failure to maintain operational substance. Regulators typically reserve the right to suspend or cancel licenses where licensees cease activity, alter their business model without approval, or fail to comply with statutory audits. The revocation of an EMI license often has extraterritorial consequences, including cross-listing on sanctions watchlists and termination of third-party service agreements. License holders must therefore treat regulatory compliance as an ongoing obligation and not merely a condition precedent to obtaining initial authorization.<\/p>\n<p>Legal advisory in this field must address both jurisdiction-specific legislation and applicable international norms. Jurisdictions that lack statutory clarity or rely on discretionary licensing may expose EMI operators to administrative uncertainty and reputational risk. Conversely, offshore jurisdictions that adopt transparent licensing criteria, judicially reviewable processes, and independent regulatory oversight offer stronger legal foundations for long-term digital financial operations. The legal enforceability of contracts, access to dispute resolution, and protection of client funds in insolvency must be assessed prior to selecting a licensing forum.<\/p>\n<p>As the legal landscape for digital finance continues to evolve, offshore EMI licensing remains a viable structure for entities seeking cross-border digital payment capabilities, provided that the structure is legally robust, fully compliant, and designed with regard to applicable enforcement frameworks. The intersection of technology, finance, and international law in this space requires precise legal structuring and continued alignment with evolving regulatory expectations.<\/p>\n<h2 id='conclusion'><b>\u0417\u0430\u043a\u043b\u044e\u0447\u0435\u043d\u0438\u0435<\/b><\/h2>\n<p>Offshore digital EMI licensing offers a specialized regulatory path for fintech entities aiming to operate across <a href=\"https:\/\/ovza.com\/ru\/best-offshore-jurisdictions-to-register-a-company-in-2025\/\" target=\"_blank\" rel=\"noopener\">jurisdictions<\/a> without engaging in traditional banking. While such licenses confer legal authority to issue e-money and provide digital payment services, their legal validity depends on compliance with AML standards, supervisory frameworks, and jurisdictional substance rules. Offshore regulators are under increasing pressure to harmonize their licensing practices with international norms, and licensees must proactively manage risks associated with enforcement, market access, and revocation. Offshore EMIs must therefore be structured with legal precision, guided by both domestic financial law and global compliance architecture, to ensure operational durability in a complex and regulated financial environment.<\/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=\"qafc\"><button class=\"w-tabs-section-header\" aria-controls=\"content-qafc\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">What is an offshore digital EMI license?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-qafc\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>An offshore digital EMI license authorizes non-bank financial service providers to issue electronic money and offer digital payment services across borders under a regulated framework outside traditional banking regimes.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"hc15\"><button class=\"w-tabs-section-header\" aria-controls=\"content-hc15\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Which jurisdictions offer offshore EMI licenses?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-hc15\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>Select offshore jurisdictions such as Mauritius, Labuan (Malaysia), Puerto Rico, and certain Eastern Caribbean states provide specialized frameworks for licensing Electronic Money Institutions outside the EU passporting system.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"fd43\"><button class=\"w-tabs-section-header\" aria-controls=\"content-fd43\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">What are the key regulatory requirements for offshore EMIs?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-fd43\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>Key requirements include robust AML\/CFT policies, minimum capital safeguards, governance standards, trust or custodial arrangements for client funds, operational substance with local management presence, and ongoing supervisory audits.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"ye57\"><button class=\"w-tabs-section-header\" aria-controls=\"content-ye57\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">How do offshore EMI regimes differ from EU EMI regulations?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-ye57\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>EU EMIs are regulated under the Electronic Money Directive (2009\/110\/EC) and PSD2. Offshore regimes diverge in licensing scope and passporting, but still align with FATF standards and often incorporate Basel Committee principles on capital and resilience.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"xf71\"><button class=\"w-tabs-section-header\" aria-controls=\"content-xf71\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">What substance criteria must offshore EMIs meet?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-xf71\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>Offshore EMIs must maintain demonstrable business activity locally, including employing qualified staff, maintaining technical systems for regulatory audit, holding board meetings in jurisdiction, and evidencing operational decision-making onshore.<\/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=\"cf4f\"><button class=\"w-tabs-section-header\" aria-controls=\"content-cf4f\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">What is an offshore digital EMI license?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-cf4f\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>An offshore digital EMI license authorizes non-bank financial service providers to issue electronic money and offer digital payment services across borders under a regulated framework outside traditional banking regimes.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"b06f\"><button class=\"w-tabs-section-header\" aria-controls=\"content-b06f\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Which jurisdictions offer offshore EMI licenses?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-b06f\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>Select offshore jurisdictions such as Mauritius, Labuan (Malaysia), Puerto Rico, and certain Eastern Caribbean states provide specialized frameworks for licensing Electronic Money Institutions outside the EU passporting system.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"o185\"><button class=\"w-tabs-section-header\" aria-controls=\"content-o185\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">What are the key regulatory requirements for offshore EMIs?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-o185\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>Key requirements include robust AML\/CFT policies, minimum capital safeguards, governance standards, trust or custodial arrangements for client funds, operational substance with local management presence, and ongoing supervisory audits.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"v2a2\"><button class=\"w-tabs-section-header\" aria-controls=\"content-v2a2\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">How do offshore EMI regimes differ from EU EMI regulations?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-v2a2\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>EU EMIs are regulated under the Electronic Money Directive (2009\/110\/EC) and PSD2. Offshore regimes diverge in licensing scope and passporting, but still align with FATF standards and often incorporate Basel Committee principles on capital and resilience.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"q3d5\"><button class=\"w-tabs-section-header\" aria-controls=\"content-q3d5\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">What substance criteria must offshore EMIs meet?<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-q3d5\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_07051a4e\"><div class=\"wpb_wrapper\"><p>Offshore EMIs must maintain demonstrable business activity locally, including employing qualified staff, maintaining technical systems for regulatory audit, holding board meetings in jurisdiction, and evidencing operational decision-making onshore.<\/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":"Offshore digital EMI licensing require AML compliance, operational substance, and legal structuring aligned with cross-border financial regulations. A properly structured offshore Electronic Money Institution (EMI) license enables non-bank financial service providers to legally issue electronic money and facilitate digital payments across borders. These licenses, offered by select offshore jurisdictions, provide a regulated framework for fintech...","protected":false},"author":4,"featured_media":9605,"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-9604","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\/9604","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=9604"}],"version-history":[{"count":6,"href":"https:\/\/ovza.com\/ru\/wp-json\/wp\/v2\/posts\/9604\/revisions"}],"predecessor-version":[{"id":17062,"href":"https:\/\/ovza.com\/ru\/wp-json\/wp\/v2\/posts\/9604\/revisions\/17062"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ovza.com\/ru\/wp-json\/wp\/v2\/media\/9605"}],"wp:attachment":[{"href":"https:\/\/ovza.com\/ru\/wp-json\/wp\/v2\/media?parent=9604"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ovza.com\/ru\/wp-json\/wp\/v2\/categories?post=9604"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ovza.com\/ru\/wp-json\/wp\/v2\/tags?post=9604"}],"curies":[{"name":"WP","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}<!-- This website is optimized by Airlift. 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