{"id":7616,"date":"2026-04-15T15:49:47","date_gmt":"2026-04-15T15:49:47","guid":{"rendered":"https:\/\/iacfb.net\/?page_id=7616"},"modified":"2026-05-25T13:21:11","modified_gmt":"2026-05-25T13:21:11","slug":"associate-explore","status":"publish","type":"page","link":"https:\/\/iacfb.net\/index.php\/associate-explore\/","title":{"rendered":"Associate Explore"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7616\" class=\"elementor elementor-7616\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-231379c elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"231379c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1ff40bc2\" data-id=\"1ff40bc2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4304c61f elementor-widget elementor-widget-heading\" data-id=\"4304c61f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">PALS PROGRAM<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34766c5d elementor-widget elementor-widget-heading\" data-id=\"34766c5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Partners Active Locations Network<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12820156 elementor-widget elementor-widget-heading\" data-id=\"12820156\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">International Association of Commercial Finance Brokers<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-72a78c52 elementor-invisible\" data-id=\"72a78c52\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2d19f45e elementor-invisible elementor-widget elementor-widget-image\" data-id=\"2d19f45e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"349\" height=\"494\" src=\"https:\/\/iacfb.net\/wp-content\/uploads\/2023\/01\/ContactGirl.png\" class=\"attachment-large size-large wp-image-78\" alt=\"\" srcset=\"https:\/\/iacfb.net\/wp-content\/uploads\/2023\/01\/ContactGirl.png 349w, https:\/\/iacfb.net\/wp-content\/uploads\/2023\/01\/ContactGirl-212x300.png 212w\" sizes=\"(max-width: 349px) 100vw, 349px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6b4d964c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6b4d964c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5eab7e4c\" data-id=\"5eab7e4c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-29ca55c0 elementor-widget elementor-widget-heading\" data-id=\"29ca55c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Explore PAL Associates <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-361ad261 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"361ad261\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wide\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1c7aeb93\" data-id=\"1c7aeb93\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7ce2b158 elementor-widget elementor-widget-heading\" data-id=\"7ce2b158\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Video<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b50b97d elementor-widget elementor-widget-video\" data-id=\"4b50b97d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;hosted&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-hosted-video elementor-wrapper elementor-open-inline\">\n\t\t\t\t\t<video class=\"elementor-video\" src=\"https:\/\/iacfb.net\/wp-content\/uploads\/2026\/02\/PALs-Associate-Intro-2026.mp4\" controls=\"\" preload=\"metadata\" controlsList=\"nodownload\"><\/video>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-29d7fc34\" data-id=\"29d7fc34\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-45ea4c2d elementor-widget elementor-widget-heading\" data-id=\"45ea4c2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Becoming a PAL Associate <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50a4355 elementor-widget elementor-widget-text-editor\" data-id=\"50a4355\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For those seeking to begin earning <strong>lucrative residual commission income<\/strong> with minimal <strong>out-of-pocket cost<\/strong>, the IACFB PAL Associate\u00a0 Factoring Referrer Program is created just for you.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35ea3bc9 elementor-widget elementor-widget-heading\" data-id=\"35ea3bc9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Costs:  Get Started<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60bba76a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"60bba76a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/iacfb.academy\/pricing\/\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Subscribe to IACFB Academy Training  $99.95<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/iacfb.academy\/login\/\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Login at IACFB and Begin Training and Earning<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/iacfb.net\/index.php\/included-website\/\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Select Your Website Template FREE \/ Included<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.datamaxhosting.com\/index.php?rp=\/store\/iacfb-pals-program\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Purchase your Annual Hosting Package and Domain $29.95<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-37e8c55f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"37e8c55f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2d04c3a1\" data-id=\"2d04c3a1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7c7ee762 elementor-widget elementor-widget-heading\" data-id=\"7c7ee762\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Only Five (5) Minimum Requirements<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1538c05 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1538c05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Join IACFB Academy (Includes the Factoring 101 Guide)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Subscribe to Commercial Finance Consultants Mag.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Set Up Your FB-Series Factoring Broker Website <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Take Your Certification Exam (First 30 Days)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">List Your Consultancy in the Lenders Directories<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2663ae1f elementor-widget elementor-widget-heading\" data-id=\"2663ae1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sign Up as a PAL Associate<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7d11b4 elementor-widget elementor-widget-html\" data-id=\"f7d11b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"mc_embed_shell\">\r\n      <link href=\"\/\/cdn-images.mailchimp.com\/embedcode\/classic-061523.css\" rel=\"stylesheet\" type=\"text\/css\">\r\n  <style type=\"text\/css\">\r\n        #mc_embed_signup{background:#fff; false;clear:left; font:14px Helvetica,Arial,sans-serif; width: 400px;}\r\n        \/* Add your own Mailchimp form style overrides in your site stylesheet or in this style block.\r\n           We recommend moving this block and the preceding CSS link to the HEAD of your HTML file. *\/\r\n<\/style>\r\n<div id=\"mc_embed_signup\">\r\n    <form action=\"https:\/\/datamaxmarketing.us20.list-manage.com\/subscribe\/post?u=82bdc1d0f3f4e988d695c3e05&amp;id=7e53368f31&amp;f_id=00047ceef0\" method=\"post\" id=\"mc-embedded-subscribe-form\" name=\"mc-embedded-subscribe-form\" class=\"validate\" target=\"_blank\">\r\n        <div id=\"mc_embed_signup_scroll\"><h2>Subscribe as an Associate<\/h2>\r\n            <div class=\"indicates-required\"><span class=\"asterisk\">*<\/span> indicates required<\/div>\r\n            <div class=\"mc-field-group\"><label for=\"mce-EMAIL\">Email Address <span class=\"asterisk\">*<\/span><\/label><input type=\"email\" name=\"EMAIL\" class=\"required email\" id=\"mce-EMAIL\" required=\"\" value=\"\"><\/div><div class=\"mc-field-group\"><label for=\"mce-FNAME\">First Name <span class=\"asterisk\">*<\/span><\/label><input type=\"text\" name=\"FNAME\" class=\"required text\" id=\"mce-FNAME\" required=\"\" value=\"\"><\/div><div class=\"mc-field-group\"><label for=\"mce-LNAME\">Last Name <span class=\"asterisk\">*<\/span><\/label><input type=\"text\" name=\"LNAME\" class=\"required text\" id=\"mce-LNAME\" required=\"\" value=\"\"><\/div><div class=\"mc-field-group\"><label for=\"mce-MMERGE3\">Zip Code <span class=\"asterisk\">*<\/span><\/label><input type=\"zip\" name=\"MMERGE3\" class=\"required zip\" id=\"mce-MMERGE3\" required=\"\" value=\"\"><\/div><div class=\"mc-field-group\"><label for=\"mce-MMERGE4\">Amazon Factoring Guide Purchase Code <\/label><input type=\"text\" name=\"MMERGE4\" class=\" text\" id=\"mce-MMERGE4\" value=\"\"><span id=\"mce-MMERGE4-HELPERTEXT\" class=\"helper_text\">From page 198 if a current Factoring Guide Purchaser<\/span><\/div>\r\n<div hidden=\"\"><input type=\"hidden\" name=\"tags\" value=\"4238218\"><\/div>\r\n        <div id=\"mce-responses\" class=\"clear\">\r\n            <div class=\"response\" id=\"mce-error-response\" style=\"display: none;\"><\/div>\r\n            <div class=\"response\" id=\"mce-success-response\" style=\"display: none;\"><\/div>\r\n        <\/div><div aria-hidden=\"true\" style=\"position: absolute; left: -5000px;\"><input type=\"text\" name=\"b_82bdc1d0f3f4e988d695c3e05_7e53368f31\" tabindex=\"-1\" value=\"\"><\/div><div class=\"clear\"><input type=\"submit\" name=\"subscribe\" id=\"mc-embedded-subscribe\" class=\"button\" value=\"Subscribe\"><\/div>\r\n    <\/div>\r\n<\/form>\r\n<\/div>\r\n<script type=\"text\/javascript\" src=\"\/\/s3.amazonaws.com\/downloads.mailchimp.com\/js\/mc-validate.js\"><\/script><script type=\"text\/javascript\" src=\"\/\/s3.amazonaws.com\/downloads.mailchimp.com\/js\/mc-sms-phone.js\"><\/script><script type=\"text\/javascript\">(function($) {window.fnames = new Array(); window.ftypes = new Array();fnames[0]='EMAIL';ftypes[0]='email';fnames[1]='FNAME';ftypes[1]='text';fnames[2]='LNAME';ftypes[2]='text';fnames[3]='MMERGE3';ftypes[3]='zip';fnames[4]='MMERGE4';ftypes[4]='text';}(jQuery));var $mcj = jQuery.noConflict(true);\r\n    \/\/ SMS Phone Multi-Country Functionality\r\n    if(!window.MC) {\r\n      window.MC = {};\r\n    }\r\n    window.MC.smsPhoneData = {\r\n      defaultCountryCode: 'US',\r\n      programs: [],\r\n      smsProgramDataCountryNames: []\r\n    };\r\n\r\n    function getCountryUnicodeFlag(countryCode) {\r\n       return countryCode.toUpperCase().replace(\/.\/g, (char) => String.fromCodePoint(char.charCodeAt(0) + 127397))\r\n    };\r\n\r\n    \/\/ HTML sanitization function to prevent XSS\r\n    function sanitizeHtml(str) {\r\n      if (typeof str !== 'string') return '';\r\n      return str\r\n        .replace(\/&\/g, '&amp;')\r\n        .replace(\/<\/g, '&lt;')\r\n        .replace(\/>\/g, '&gt;')\r\n        .replace(\/\"\/g, '&quot;')\r\n        .replace(\/'\/g, '&#x27;')\r\n        .replace(\/\\\/\/g, '&#x2F;');\r\n    }\r\n\r\n    \/\/ URL sanitization function to prevent javascript: and data: URLs\r\n    function sanitizeUrl(url) {\r\n      if (typeof url !== 'string') return '';\r\n      const trimmedUrl = url.trim().toLowerCase();\r\n      if (trimmedUrl.startsWith('javascript:') || trimmedUrl.startsWith('data:') || trimmedUrl.startsWith('vbscript:')) {\r\n        return '#';\r\n      }\r\n      return url;\r\n    }\r\n\r\n    const getBrowserLanguage = () => {\r\n      if (!window?.navigator?.language?.split('-')[1]) {\r\n        return window?.navigator?.language?.toUpperCase();\r\n      }\r\n      return window?.navigator?.language?.split('-')[1];\r\n    };\r\n\r\n    \r\n    \/\/ getBrowserLanguageCode() and getSmsProgramForCountryAndLanguage() are provided globally\r\n    \/\/ by the external mc-sms-phone.js script loaded alongside this inline form script.\r\n\r\n    function getDefaultCountryProgram(defaultCountryCode, smsProgramData) {\r\n      if (!smsProgramData || smsProgramData.length === 0) {\r\n        return null;\r\n      }\r\n      var browserCountryCode = getBrowserLanguage();\r\n      var browserLangCode = getBrowserLanguageCode();\r\n      if (browserCountryCode) {\r\n        var match = getSmsProgramForCountryAndLanguage(smsProgramData, browserCountryCode, browserLangCode);\r\n        if (match) { return match; }\r\n      }\r\n      if (defaultCountryCode) {\r\n        var match = getSmsProgramForCountryAndLanguage(smsProgramData, defaultCountryCode, browserLangCode);\r\n        if (match) { return match; }\r\n      }\r\n      return smsProgramData[0];\r\n    }\r\n\r\n    function updateSmsLegalText(countryCode, fieldName) {\r\n      if (!countryCode || !fieldName) {\r\n        return;\r\n      }\r\n      var programs = window?.MC?.smsPhoneData?.programs;\r\n      if (!programs || !Array.isArray(programs)) {\r\n        return;\r\n      }\r\n      var browserLangCode = getBrowserLanguageCode();\r\n      var program = getSmsProgramForCountryAndLanguage(programs, countryCode, browserLangCode);\r\n      if (!program || !program.requiredTemplate) {\r\n        return;\r\n      }\r\n    \r\n      \r\n      var smsConsentHtmlRenderingFixEnabled = true;\r\n      \r\n      const legalTextElement = document.querySelector('#legal-text-' + fieldName);\r\n      if (!legalTextElement) {\r\n        return;\r\n      }\r\n      \r\n      const divRegex = new RegExp('<\/?[div][^>]*>', 'gi');\r\n      const blockWrapperRegex = new RegExp('<\/?(?:div|p)[^>]*>', 'gi');\r\n      const fullAnchorRegex = new RegExp('<a.*?<\/a>', 'g');\r\n      const anchorRegex = new RegExp('<a href=\"(.*?)\" target=\"(.*?)\">(.*?)<\/a>');\r\n      \r\n      const template = smsConsentHtmlRenderingFixEnabled\r\n        ? program.requiredTemplate\r\n            .replace(\/<\\\/p>\\s*<p[^>]*>\/gi, ' ')\r\n            .replace(blockWrapperRegex, '')\r\n        : program.requiredTemplate.replace(divRegex, '');\r\n      \r\n      \r\n\r\n      legalTextElement.textContent = '';\r\n      const parts = template.split(\/(<a href=\".*?\"(?: target=\".*?\")?>.*?<\\\/a>)\/g);\r\n      parts.forEach(function(part) {\r\n        if (!part) {\r\n          return;\r\n        }\r\n        const anchorMatch = part.match(\/<a href=\"(.*?)\"(?: target=\"(.*?)\")?>(.+?)<\\\/a>\/);\r\n        if (anchorMatch) {\r\n          const linkElement = document.createElement('a');\r\n          linkElement.href = sanitizeUrl(anchorMatch[1]);\r\n          linkElement.target = anchorMatch[2] ? sanitizeHtml(anchorMatch[2]) : '_blank';\r\n          linkElement.rel = 'noopener noreferrer';\r\n          linkElement.textContent = sanitizeHtml(anchorMatch[3]);\r\n          legalTextElement.appendChild(linkElement);\r\n        } else {\r\n          legalTextElement.appendChild(document.createTextNode(part));\r\n        }\r\n      });\r\n          \r\n    }\r\n\r\n    function generateDropdownOptions(smsProgramData) {\r\n      if (!smsProgramData || smsProgramData.length === 0) {\r\n        return '';\r\n      }\r\n\r\n      var programs = true\r\n        ? smsProgramData.filter(function(p, i, arr) {\r\n            return arr.findIndex(function(q) { return q.countryCode === p.countryCode; }) === i;\r\n          })\r\n        : smsProgramData;\r\n      \r\n      return programs.map(program => {\r\n        const flag = getCountryUnicodeFlag(program.countryCode);\r\n        const countryName = getCountryName(program.countryCode);\r\n        const callingCode = program.countryCallingCode || '';\r\n        \/\/ Sanitize all values to prevent XSS\r\n        const sanitizedCountryCode = sanitizeHtml(program.countryCode || '');\r\n        const sanitizedCountryName = sanitizeHtml(countryName || '');\r\n        const sanitizedCallingCode = sanitizeHtml(callingCode || '');\r\n        return '<option value=\"' + sanitizedCountryCode + '\">' + sanitizedCountryName + ' ' + sanitizedCallingCode + '<\/option>';\r\n      }).join('');\r\n    }\r\n\r\n    function getCountryName(countryCode) {\r\n      if (window.MC?.smsPhoneData?.smsProgramDataCountryNames && Array.isArray(window.MC.smsPhoneData.smsProgramDataCountryNames)) {\r\n        for (let i = 0; i < window.MC.smsPhoneData.smsProgramDataCountryNames.length; i++) {\r\n          if (window.MC.smsPhoneData.smsProgramDataCountryNames[i].code === countryCode) {\r\n            return window.MC.smsPhoneData.smsProgramDataCountryNames[i].name;\r\n          }\r\n        }\r\n      }\r\n      return countryCode;\r\n    }\r\n\r\n    function getDefaultPlaceholder(countryCode) {\r\n      if (!countryCode || typeof countryCode !== 'string') {\r\n        return '+1 000 000 0000'; \/\/ Default US placeholder\r\n      }\r\n      \r\n            var mockPlaceholders = [\r\n        {\r\n          countryCode: 'US',\r\n          placeholder: '+1 000 000 0000',\r\n          helpText: 'Include the US country code +1 before the phone number',\r\n        },\r\n        {\r\n          countryCode: 'GB',\r\n          placeholder: '+44 0000 000000',\r\n          helpText: 'Include the GB country code +44 before the phone number',\r\n        },\r\n        {\r\n          countryCode: 'CA',\r\n          placeholder: '+1 000 000 0000',\r\n          helpText: 'Include the CA country code +1 before the phone number',\r\n        },\r\n        {\r\n          countryCode: 'AU',\r\n          placeholder: '+61 000 000 000',\r\n          helpText: 'Include the AU country code +61 before the phone number',\r\n        },\r\n        {\r\n          countryCode: 'DE',\r\n          placeholder: '+49 000 0000000',\r\n          helpText: 'F\u00fcgen Sie vor der Telefonnummer die DE-L\u00e4ndervorwahl +49 ein',\r\n        },\r\n        {\r\n          countryCode: 'FR',\r\n          placeholder: '+33 0 00 00 00 00',\r\n          helpText: 'Incluez le code pays FR +33 avant le num\u00e9ro de t\u00e9l\u00e9phone',\r\n        },\r\n        {\r\n          countryCode: 'ES',\r\n          placeholder: '+34 000 000 000',\r\n          helpText: 'Incluya el c\u00f3digo de pa\u00eds ES +34 antes del n\u00famero de tel\u00e9fono',\r\n        },\r\n        {\r\n          countryCode: 'NL',\r\n          placeholder: '+31 0 00000000',\r\n          helpText: 'Voeg de NL-landcode +31 toe v\u00f3\u00f3r het telefoonnummer',\r\n        },\r\n        {\r\n          countryCode: 'BE',\r\n          placeholder: '+32 000 00 00 00',\r\n          helpText: 'Incluez le code pays BE +32 avant le num\u00e9ro de t\u00e9l\u00e9phone',\r\n        },\r\n        {\r\n          countryCode: 'CH',\r\n          placeholder: '+41 00 000 00 00',\r\n          helpText: 'F\u00fcgen Sie vor der Telefonnummer die CH-L\u00e4ndervorwahl +41 ein',\r\n        },\r\n        {\r\n          countryCode: 'AT',\r\n          placeholder: '+43 000 000 0000',\r\n          helpText: 'F\u00fcgen Sie vor der Telefonnummer die AT-L\u00e4ndervorwahl +43 ein',\r\n        },\r\n        {\r\n          countryCode: 'IE',\r\n          placeholder: '+353 00 000 0000',\r\n          helpText: 'Include the IE country code +353 before the phone number',\r\n        },\r\n        {\r\n          countryCode: 'IT',\r\n          placeholder: '+39 000 000 0000',\r\n          helpText: 'Includere il prefisso internazionale IT +39 prima del numero di telefono',\r\n        },\r\n        {\r\n          countryCode: 'NO',\r\n          placeholder: '+47 000 00 000',\r\n          helpText: 'Inkluder NO landskode +47 f\u00f8r telefonnummeret',\r\n        },\r\n        {\r\n          countryCode: 'SE',\r\n          placeholder: '+46 00 000 00 00',\r\n          helpText: 'Inkludera SE landskod +46 f\u00f6re telefonnumret',\r\n        },\r\n        {\r\n          countryCode: 'DK',\r\n          placeholder: '+45 00 00 00 00',\r\n          helpText: 'Inkluder DK landekode +45 f\u00f8r telefonnummeret',\r\n        },\r\n        {\r\n          countryCode: 'FI',\r\n          placeholder: '+358 00 000 0000',\r\n          helpText: 'Sis\u00e4llyt\u00e4 FI-maakoodi +358 ennen puhelinnumeroa',\r\n        },\r\n        {\r\n          countryCode: 'EE',\r\n          placeholder: '+372 0000 0000',\r\n          helpText: 'Lisage EE riigikood +372 telefoninumbri ette',\r\n        },\r\n        {\r\n          countryCode: 'PL',\r\n          placeholder: '+48 000 000 000',\r\n          helpText: 'Podaj numer kierunkowy PL +48 przed numerem telefonu',\r\n        },\r\n        {\r\n          countryCode: 'SK',\r\n          placeholder: '+421 000 000 000',\r\n          helpText: 'Pred telef\u00f3nne \u010d\u00edslo uve\u010fte k\u00f3d krajiny SK +421',\r\n        },\r\n        {\r\n          countryCode: 'LV',\r\n          placeholder: '+371 0000 0000',\r\n          helpText: 'Iek\u013caujiet LV valsts kodu +371 pirms t\u0101lru\u0146a numura',\r\n        },\r\n        {\r\n          countryCode: 'LT',\r\n          placeholder: '+370 0000 0000',\r\n          helpText: '\u012etraukite LT \u0161alies kod\u0105 +370 prie\u0161 telefono numer\u012f',\r\n        },\r\n        {\r\n          countryCode: 'GR',\r\n          placeholder: '+30 000 000 0000',\r\n          helpText: '\u03a3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03bb\u03ac\u03b2\u03b5\u03c4\u03b5 \u03c4\u03bf\u03bd \u03ba\u03c9\u03b4\u03b9\u03ba\u03cc \u03c7\u03ce\u03c1\u03b1\u03c2 GR +30 \u03c0\u03c1\u03b9\u03bd \u03b1\u03c0\u03cc \u03c4\u03bf\u03bd \u03b1\u03c1\u03b9\u03b8\u03bc\u03cc \u03c4\u03b7\u03bb\u03b5\u03c6\u03ce\u03bd\u03bf\u03c5',\r\n        },\r\n        {\r\n          countryCode: 'PT',\r\n          placeholder: '+351 000 000 000',\r\n          helpText: 'Inclua o c\u00f3digo de pa\u00eds PT +351 antes do n\u00famero de telefone',\r\n        },\r\n        {\r\n          countryCode: 'HR',\r\n          placeholder: '+385 00 000 0000',\r\n          helpText: 'Uklju\u010dite HR pozivni broj dr\u017eave +385 prije telefonskog broja',\r\n        },\r\n        {\r\n          countryCode: 'SI',\r\n          placeholder: '+386 00 000 000',\r\n          helpText: 'Vklju\u010dite SI kodo dr\u017eave +386 pred telefonsko \u0161tevilko',\r\n        },\r\n        {\r\n          countryCode: 'IS',\r\n          placeholder: '+354 000 0000',\r\n          helpText: 'L\u00e1ttu IS landsn\u00famer +354 fylgja \u00e1 undan s\u00edman\u00famerinu',\r\n        },\r\n        {\r\n          countryCode: 'LU',\r\n          placeholder: '+352 000 000 000',\r\n          helpText: 'Incluez le code pays LU +352 avant le num\u00e9ro de t\u00e9l\u00e9phone',\r\n        },\r\n        {\r\n          countryCode: 'MC',\r\n          placeholder: '+377 00 00 00 00',\r\n          helpText: 'Incluez le code pays MC +377 avant le num\u00e9ro de t\u00e9l\u00e9phone',\r\n        },\r\n        {\r\n          countryCode: 'AD',\r\n          placeholder: '+376 000 000',\r\n          helpText: 'Incloeu el codi de pa\u00eds AD +376 abans del n\u00famero de tel\u00e8fon',\r\n        },\r\n        {\r\n          countryCode: 'JE',\r\n          placeholder: '+44 0000 000000',\r\n          helpText: 'Include the JE country code +44 before the phone number',\r\n        },\r\n        {\r\n          countryCode: 'IM',\r\n          placeholder: '+44 0000 000000',\r\n          helpText: 'Include the IM country code +44 before the phone number',\r\n        },\r\n        {\r\n          countryCode: 'GG',\r\n          placeholder: '+44 0000 000000',\r\n          helpText: 'Include the GG country code +44 before the phone number',\r\n        },\r\n        {\r\n          countryCode: 'AL',\r\n          placeholder: '+355 00 000 0000',\r\n          helpText: 'P\u00ebrfshini kodin e vendit AL +355 para numrit t\u00eb telefonit',\r\n        },\r\n        {\r\n          countryCode: 'SM',\r\n          placeholder: '+378 0000 000000',\r\n          helpText: 'Includere il prefisso internazionale SM +378 prima del numero di telefono',\r\n        },\r\n        {\r\n          countryCode: 'FO',\r\n          placeholder: '+298 000000',\r\n          helpText: 'Inkluder FO landekode +298 f\u00f8r telefonnummeret',\r\n        },\r\n        {\r\n          countryCode: 'MT',\r\n          placeholder: '+356 0000 0000',\r\n          helpText: 'Include the MT country code +356 before the phone number',\r\n        },\r\n        {\r\n          countryCode: 'LI',\r\n          placeholder: '+423 000 0000',\r\n          helpText: 'F\u00fcgen Sie vor der Telefonnummer die LI-L\u00e4ndervorwahl +423 ein',\r\n        },\r\n        {\r\n          countryCode: 'GI',\r\n          placeholder: '+350 000 00000',\r\n          helpText: 'Include the GI country code +350 before the phone number',\r\n        },\r\n        {\r\n          countryCode: 'MD',\r\n          placeholder: '+373 00 000 000',\r\n          helpText: 'Include\u021bi codul de \u021bar\u0103 MD +373 \u00eenaintea num\u0103rului de telefon',\r\n        },\r\n        {\r\n          countryCode: 'HU',\r\n          placeholder: '+36 00 000 0000',\r\n          helpText: 'A telefonsz\u00e1m el\u0151tt adja meg a HU orsz\u00e1gk\u00f3dot +36',\r\n        },\r\n        {\r\n          countryCode: 'NZ',\r\n          placeholder: '+64 00 000 0000',\r\n          helpText: 'Include the NZ country code +64 before the phone number',\r\n        },\r\n        {\r\n          countryCode: 'ME',\r\n          placeholder: '+382 00 000 000',\r\n          helpText: 'Uklju\u010dite ME pozivni broj dr\u017eave +382 prije telefonskog broja',\r\n        },\r\n      ];\r\n\r\n      const selectedPlaceholder = mockPlaceholders.find(function(item) {\r\n        return item && item.countryCode === countryCode;\r\n      });\r\n      \r\n      return selectedPlaceholder ? selectedPlaceholder.placeholder : mockPlaceholders[0].placeholder;\r\n    }\r\n\r\n    function updatePlaceholder(countryCode, fieldName) {\r\n      if (!countryCode || !fieldName) {\r\n        return;\r\n      }\r\n      \r\n      const phoneInput = document.querySelector('#mce-' + fieldName);\r\n      if (!phoneInput) {\r\n        return;\r\n      }\r\n      \r\n      const placeholder = getDefaultPlaceholder(countryCode);\r\n      if (placeholder) {\r\n        phoneInput.placeholder = placeholder;\r\n      }\r\n    }\r\n\r\n    function updateCountryCodeInstruction(countryCode, fieldName) {\r\n      updatePlaceholder(countryCode, fieldName);\r\n      \r\n    }\r\n\r\n    function getDefaultHelpText(countryCode) {\r\n      var mockPlaceholders = [\r\n        {\r\n          countryCode: 'US',\r\n          placeholder: '+1 000 000 0000',\r\n          helpText: 'Include the US country code +1 before the phone number',\r\n        },\r\n        {\r\n          countryCode: 'GB',\r\n          placeholder: '+44 0000 000000',\r\n          helpText: 'Include the GB country code +44 before the phone number',\r\n        },\r\n        {\r\n          countryCode: 'CA',\r\n          placeholder: '+1 000 000 0000',\r\n          helpText: 'Include the CA country code +1 before the phone number',\r\n        },\r\n        {\r\n          countryCode: 'AU',\r\n          placeholder: '+61 000 000 000',\r\n          helpText: 'Include the AU country code +61 before the phone number',\r\n        },\r\n        {\r\n          countryCode: 'DE',\r\n          placeholder: '+49 000 0000000',\r\n          helpText: 'F\u00fcgen Sie vor der Telefonnummer die DE-L\u00e4ndervorwahl +49 ein',\r\n        },\r\n        {\r\n          countryCode: 'FR',\r\n          placeholder: '+33 0 00 00 00 00',\r\n          helpText: 'Incluez le code pays FR +33 avant le num\u00e9ro de t\u00e9l\u00e9phone',\r\n        },\r\n        {\r\n          countryCode: 'ES',\r\n          placeholder: '+34 000 000 000',\r\n          helpText: 'Incluya el c\u00f3digo de pa\u00eds ES +34 antes del n\u00famero de tel\u00e9fono',\r\n        },\r\n        {\r\n          countryCode: 'NL',\r\n          placeholder: '+31 0 00000000',\r\n          helpText: 'Voeg de NL-landcode +31 toe v\u00f3\u00f3r het telefoonnummer',\r\n        },\r\n        {\r\n          countryCode: 'BE',\r\n          placeholder: '+32 000 00 00 00',\r\n          helpText: 'Incluez le code pays BE +32 avant le num\u00e9ro de t\u00e9l\u00e9phone',\r\n        },\r\n        {\r\n          countryCode: 'CH',\r\n          placeholder: '+41 00 000 00 00',\r\n          helpText: 'F\u00fcgen Sie vor der Telefonnummer die CH-L\u00e4ndervorwahl +41 ein',\r\n        },\r\n        {\r\n          countryCode: 'AT',\r\n          placeholder: '+43 000 000 0000',\r\n          helpText: 'F\u00fcgen Sie vor der Telefonnummer die AT-L\u00e4ndervorwahl +43 ein',\r\n        },\r\n        {\r\n          countryCode: 'IE',\r\n          placeholder: '+353 00 000 0000',\r\n          helpText: 'Include the IE country code +353 before the phone number',\r\n        },\r\n        {\r\n          countryCode: 'IT',\r\n          placeholder: '+39 000 000 0000',\r\n          helpText: 'Includere il prefisso internazionale IT +39 prima del numero di telefono',\r\n        },\r\n        {\r\n          countryCode: 'NO',\r\n          placeholder: '+47 000 00 000',\r\n          helpText: 'Inkluder NO landskode +47 f\u00f8r telefonnummeret',\r\n        },\r\n        {\r\n          countryCode: 'SE',\r\n          placeholder: '+46 00 000 00 00',\r\n          helpText: 'Inkludera SE landskod +46 f\u00f6re telefonnumret',\r\n        },\r\n        {\r\n          countryCode: 'DK',\r\n          placeholder: '+45 00 00 00 00',\r\n          helpText: 'Inkluder DK landekode +45 f\u00f8r telefonnummeret',\r\n        },\r\n        {\r\n          countryCode: 'FI',\r\n          placeholder: '+358 00 000 0000',\r\n          helpText: 'Sis\u00e4llyt\u00e4 FI-maakoodi +358 ennen puhelinnumeroa',\r\n        },\r\n        {\r\n          countryCode: 'EE',\r\n          placeholder: '+372 0000 0000',\r\n          helpText: 'Lisage EE riigikood +372 telefoninumbri ette',\r\n        },\r\n        {\r\n          countryCode: 'PL',\r\n          placeholder: '+48 000 000 000',\r\n          helpText: 'Podaj numer kierunkowy PL +48 przed numerem telefonu',\r\n        },\r\n        {\r\n          countryCode: 'SK',\r\n          placeholder: '+421 000 000 000',\r\n          helpText: 'Pred telef\u00f3nne \u010d\u00edslo uve\u010fte k\u00f3d krajiny SK +421',\r\n        },\r\n        {\r\n          countryCode: 'LV',\r\n          placeholder: '+371 0000 0000',\r\n          helpText: 'Iek\u013caujiet LV valsts kodu +371 pirms t\u0101lru\u0146a numura',\r\n        },\r\n        {\r\n          countryCode: 'LT',\r\n          placeholder: '+370 0000 0000',\r\n          helpText: '\u012etraukite LT \u0161alies kod\u0105 +370 prie\u0161 telefono numer\u012f',\r\n        },\r\n        {\r\n          countryCode: 'GR',\r\n          placeholder: '+30 000 000 0000',\r\n          helpText: '\u03a3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03bb\u03ac\u03b2\u03b5\u03c4\u03b5 \u03c4\u03bf\u03bd \u03ba\u03c9\u03b4\u03b9\u03ba\u03cc \u03c7\u03ce\u03c1\u03b1\u03c2 GR +30 \u03c0\u03c1\u03b9\u03bd \u03b1\u03c0\u03cc \u03c4\u03bf\u03bd \u03b1\u03c1\u03b9\u03b8\u03bc\u03cc \u03c4\u03b7\u03bb\u03b5\u03c6\u03ce\u03bd\u03bf\u03c5',\r\n        },\r\n        {\r\n          countryCode: 'PT',\r\n          placeholder: '+351 000 000 000',\r\n          helpText: 'Inclua o c\u00f3digo de pa\u00eds PT +351 antes do n\u00famero de telefone',\r\n        },\r\n        {\r\n          countryCode: 'HR',\r\n          placeholder: '+385 00 000 0000',\r\n          helpText: 'Uklju\u010dite HR pozivni broj dr\u017eave +385 prije telefonskog broja',\r\n        },\r\n        {\r\n          countryCode: 'SI',\r\n          placeholder: '+386 00 000 000',\r\n          helpText: 'Vklju\u010dite SI kodo dr\u017eave +386 pred telefonsko \u0161tevilko',\r\n        },\r\n        {\r\n          countryCode: 'IS',\r\n          placeholder: '+354 000 0000',\r\n          helpText: 'L\u00e1ttu IS landsn\u00famer +354 fylgja \u00e1 undan s\u00edman\u00famerinu',\r\n        },\r\n        {\r\n          countryCode: 'LU',\r\n          placeholder: '+352 000 000 000',\r\n          helpText: 'Incluez le code pays LU +352 avant le num\u00e9ro de t\u00e9l\u00e9phone',\r\n        },\r\n        {\r\n          countryCode: 'MC',\r\n          placeholder: '+377 00 00 00 00',\r\n          helpText: 'Incluez le code pays MC +377 avant le num\u00e9ro de t\u00e9l\u00e9phone',\r\n        },\r\n        {\r\n          countryCode: 'AD',\r\n          placeholder: '+376 000 000',\r\n          helpText: 'Incloeu el codi de pa\u00eds AD +376 abans del n\u00famero de tel\u00e8fon',\r\n        },\r\n        {\r\n          countryCode: 'JE',\r\n          placeholder: '+44 0000 000000',\r\n          helpText: 'Include the JE country code +44 before the phone number',\r\n        },\r\n        {\r\n          countryCode: 'IM',\r\n          placeholder: '+44 0000 000000',\r\n          helpText: 'Include the IM country code +44 before the phone number',\r\n        },\r\n        {\r\n          countryCode: 'GG',\r\n          placeholder: '+44 0000 000000',\r\n          helpText: 'Include the GG country code +44 before the phone number',\r\n        },\r\n        {\r\n          countryCode: 'AL',\r\n          placeholder: '+355 00 000 0000',\r\n          helpText: 'P\u00ebrfshini kodin e vendit AL +355 para numrit t\u00eb telefonit',\r\n        },\r\n        {\r\n          countryCode: 'SM',\r\n          placeholder: '+378 0000 000000',\r\n          helpText: 'Includere il prefisso internazionale SM +378 prima del numero di telefono',\r\n        },\r\n        {\r\n          countryCode: 'FO',\r\n          placeholder: '+298 000000',\r\n          helpText: 'Inkluder FO landekode +298 f\u00f8r telefonnummeret',\r\n        },\r\n        {\r\n          countryCode: 'MT',\r\n          placeholder: '+356 0000 0000',\r\n          helpText: 'Include the MT country code +356 before the phone number',\r\n        },\r\n        {\r\n          countryCode: 'LI',\r\n          placeholder: '+423 000 0000',\r\n          helpText: 'F\u00fcgen Sie vor der Telefonnummer die LI-L\u00e4ndervorwahl +423 ein',\r\n        },\r\n        {\r\n          countryCode: 'GI',\r\n          placeholder: '+350 000 00000',\r\n          helpText: 'Include the GI country code +350 before the phone number',\r\n        },\r\n        {\r\n          countryCode: 'MD',\r\n          placeholder: '+373 00 000 000',\r\n          helpText: 'Include\u021bi codul de \u021bar\u0103 MD +373 \u00eenaintea num\u0103rului de telefon',\r\n        },\r\n        {\r\n          countryCode: 'HU',\r\n          placeholder: '+36 00 000 0000',\r\n          helpText: 'A telefonsz\u00e1m el\u0151tt adja meg a HU orsz\u00e1gk\u00f3dot +36',\r\n        },\r\n        {\r\n          countryCode: 'NZ',\r\n          placeholder: '+64 00 000 0000',\r\n          helpText: 'Include the NZ country code +64 before the phone number',\r\n        },\r\n        {\r\n          countryCode: 'ME',\r\n          placeholder: '+382 00 000 000',\r\n          helpText: 'Uklju\u010dite ME pozivni broj dr\u017eave +382 prije telefonskog broja',\r\n        },\r\n      ];\r\n      \r\n      if (!countryCode || typeof countryCode !== 'string') {\r\n        return mockPlaceholders[0].helpText;\r\n      }\r\n      \r\n      const selectedHelpText = mockPlaceholders.find(function(item) {\r\n          return item && item.countryCode === countryCode;\r\n        });\r\n        \r\n        return selectedHelpText ? selectedHelpText.helpText : mockPlaceholders[0].helpText;\r\n    }\r\n\r\n    function setDefaultHelpText(countryCode) {\r\n      const helpTextSpan = document.querySelector('#help-text');\r\n      if (!helpTextSpan) {\r\n        return;\r\n      }\r\n\r\n        \r\n    }\r\n\r\n    function updateHelpTextCountryCode(countryCode, fieldName) {\r\n      if (!countryCode || !fieldName) {\r\n        return;\r\n      }\r\n      \r\n      setDefaultHelpText(countryCode);\r\n    }\r\n\r\n    function initializeSmsPhoneDropdown(fieldName) {\r\n      if (!fieldName || typeof fieldName !== 'string') {\r\n        return;\r\n      }\r\n      \r\n      const dropdown = document.querySelector('#country-select-' + fieldName);\r\n      const displayFlag = document.querySelector('#flag-display-' + fieldName);\r\n      \r\n      if (!dropdown || !displayFlag) {\r\n        return;\r\n      }\r\n\r\n      const smsPhoneData = window.MC?.smsPhoneData;\r\n      if (smsPhoneData && smsPhoneData.programs && Array.isArray(smsPhoneData.programs)) {\r\n        dropdown.innerHTML = generateDropdownOptions(smsPhoneData.programs);\r\n      }\r\n\r\n      const defaultProgram = getDefaultCountryProgram(smsPhoneData?.defaultCountryCode, smsPhoneData?.programs);\r\n      if (defaultProgram && defaultProgram.countryCode) {\r\n        dropdown.value = defaultProgram.countryCode;\r\n        \r\n        const flagSpan = displayFlag?.querySelector('#flag-emoji-' + fieldName);\r\n        if (flagSpan) {\r\n          flagSpan.textContent = getCountryUnicodeFlag(defaultProgram.countryCode);\r\n          flagSpan.setAttribute('aria-label', sanitizeHtml(defaultProgram.countryCode) + ' flag');\r\n        }\r\n        \r\n        updateSmsLegalText(defaultProgram.countryCode, fieldName);\r\n        updatePlaceholder(defaultProgram.countryCode, fieldName);\r\n        updateCountryCodeInstruction(defaultProgram.countryCode, fieldName);\r\n      }\r\n\r\n     \r\n      var smsNotRequiredRemoveCountryCodeEnabled = true;\r\n      var smsField = Object.values({\"EMAIL\":{\"name\":\"EMAIL\",\"label\":\"Email Address\",\"helper_text\":\"\",\"merge_id\":0,\"type\":\"email\",\"required\":true,\"audience_field_name\":\"Email Address\",\"field_type\":\"merge\",\"enabled\":true,\"order\":0},\"FNAME\":{\"name\":\"FNAME\",\"label\":\"First Name\",\"helper_text\":\"\",\"type\":\"text\",\"required\":true,\"audience_field_name\":\"First Name\",\"enabled\":true,\"order\":1,\"field_type\":\"merge\",\"merge_id\":1},\"LNAME\":{\"name\":\"LNAME\",\"label\":\"Last Name\",\"helper_text\":\"\",\"type\":\"text\",\"required\":true,\"audience_field_name\":\"Last Name\",\"enabled\":true,\"order\":2,\"field_type\":\"merge\",\"merge_id\":2},\"MMERGE3\":{\"name\":\"MMERGE3\",\"label\":\"Zip Code\",\"helper_text\":\"\",\"type\":\"zip\",\"required\":true,\"audience_field_name\":\"Zip Code\",\"enabled\":true,\"order\":3,\"field_type\":\"merge\",\"merge_id\":3},\"MMERGE4\":{\"name\":\"MMERGE4\",\"label\":\"Amazon Factoring Guide Purchase Code\",\"helper_text\":\"From page 198 if a current Factoring Guide Purchaser\",\"type\":\"text\",\"required\":false,\"audience_field_name\":\"Amazon Factoring Guide Purchase Code\",\"enabled\":true,\"order\":4,\"field_type\":\"merge\",\"merge_id\":4}}).find(function(f) { return f.name === fieldName && f.type === 'smsphone'; });\r\n      var isRequired = smsField ? smsField.required : false;\r\n      var shouldAppendCountryCode = smsNotRequiredRemoveCountryCodeEnabled ? isRequired : true;\r\n      \r\n      var phoneInput = document.querySelector('#mce-' + fieldName);\r\n      if (phoneInput && defaultProgram.countryCallingCode && shouldAppendCountryCode) {\r\n        phoneInput.value = defaultProgram.countryCallingCode;\r\n      }\r\n      \r\n\r\n\r\n      displayFlag?.addEventListener('click', function(e) {\r\n        dropdown.focus();\r\n      });\r\n\r\n\r\n      dropdown?.addEventListener('change', function() {\r\n        const selectedCountry = this.value;\r\n        \r\n        if (!selectedCountry || typeof selectedCountry !== 'string') {\r\n          return;\r\n        }\r\n        \r\n        const flagSpan = displayFlag?.querySelector('#flag-emoji-' + fieldName);\r\n        if (flagSpan) {\r\n          flagSpan.textContent = getCountryUnicodeFlag(selectedCountry);\r\n          flagSpan.setAttribute('aria-label', sanitizeHtml(selectedCountry) + ' flag');\r\n        }\r\n\r\n         \r\n        const selectedProgram = window.MC?.smsPhoneData?.programs.find(function(program) {\r\n          return program && program.countryCode === selectedCountry;\r\n        });\r\n\r\n        var smsNotRequiredRemoveCountryCodeEnabled = true;\r\n        var smsField = Object.values({\"EMAIL\":{\"name\":\"EMAIL\",\"label\":\"Email Address\",\"helper_text\":\"\",\"merge_id\":0,\"type\":\"email\",\"required\":true,\"audience_field_name\":\"Email Address\",\"field_type\":\"merge\",\"enabled\":true,\"order\":0},\"FNAME\":{\"name\":\"FNAME\",\"label\":\"First Name\",\"helper_text\":\"\",\"type\":\"text\",\"required\":true,\"audience_field_name\":\"First Name\",\"enabled\":true,\"order\":1,\"field_type\":\"merge\",\"merge_id\":1},\"LNAME\":{\"name\":\"LNAME\",\"label\":\"Last Name\",\"helper_text\":\"\",\"type\":\"text\",\"required\":true,\"audience_field_name\":\"Last Name\",\"enabled\":true,\"order\":2,\"field_type\":\"merge\",\"merge_id\":2},\"MMERGE3\":{\"name\":\"MMERGE3\",\"label\":\"Zip Code\",\"helper_text\":\"\",\"type\":\"zip\",\"required\":true,\"audience_field_name\":\"Zip Code\",\"enabled\":true,\"order\":3,\"field_type\":\"merge\",\"merge_id\":3},\"MMERGE4\":{\"name\":\"MMERGE4\",\"label\":\"Amazon Factoring Guide Purchase Code\",\"helper_text\":\"From page 198 if a current Factoring Guide Purchaser\",\"type\":\"text\",\"required\":false,\"audience_field_name\":\"Amazon Factoring Guide Purchase Code\",\"enabled\":true,\"order\":4,\"field_type\":\"merge\",\"merge_id\":4}}).find(function(f) { return f.name === fieldName && f.type === 'smsphone'; });\r\n        var isRequired = smsField ? smsField.required : false;\r\n        var shouldAppendCountryCode = smsNotRequiredRemoveCountryCodeEnabled ? isRequired : true;\r\n        \r\n        var phoneInput = document.querySelector('#mce-' + fieldName);\r\n        if (phoneInput && selectedProgram.countryCallingCode && shouldAppendCountryCode) {\r\n          phoneInput.value = selectedProgram.countryCallingCode;\r\n        }\r\n        \r\n        \r\n        updateSmsLegalText(selectedCountry, fieldName);\r\n        updatePlaceholder(selectedCountry, fieldName);\r\n        updateCountryCodeInstruction(selectedCountry, fieldName);\r\n      });\r\n    }\r\n\r\n    document.addEventListener('DOMContentLoaded', function() {\r\n      const smsPhoneFields = document.querySelectorAll('[id^=\"country-select-\"]');\r\n      \r\n      smsPhoneFields.forEach(function(dropdown) {\r\n        const fieldName = dropdown?.id.replace('country-select-', '');\r\n        initializeSmsPhoneDropdown(fieldName);\r\n      });\r\n    });\r\n    <\/script><\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4e862464\" data-id=\"4e862464\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-51fa183 elementor-widget elementor-widget-heading\" data-id=\"51fa183\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sign Up...Set Up Your PAL Associates Account<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e218dd9 elementor-widget elementor-widget-toggle\" data-id=\"2e218dd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7731\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-7731\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Sign Up as a PAL Associate<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7731\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-7731\"><p>Complete the subscription form as a PAL Associate<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7732\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-7732\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Subscribe to IACFB Academy ($119.95)<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7732\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-7732\"><p><span style=\"text-decoration: underline;\"><a href=\"https:\/\/iacfb.academy\/pricing\/\" target=\"_blank\" rel=\"noopener\">Subscribe to IACFB Academy<\/a><\/span> and begin training<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7733\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-7733\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Download Your Factoring 101 Broker's Guide<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7733\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-7733\"><p>As a new member of the Academy, your Factoring 101: A Broker&#8217;s Guide is included in your membership.\u00a0 If you have already purchased the guide from Amazon, your purchase code on page 198 of the guide will provide you with a $50.95 discount when joining IACFB for $119,95.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7734\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-7734\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How Do I Submit a Deal as an Associate?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7734\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-7734\"><p>As a PAL Associate, your SA-Series website is upgraded with a special Pipedrive CRM deal submission form which automatically submits a deal directly to IACFB for underwriting.\u00a0 As the PAL Associate, you also receive a copy of your deal submission details forwarded to your selected personal email.\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7735\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-7735\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How Do I Download My PAL Affiliate's Agreement?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7735\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-7735\"><p>You will be emailed the latest PALs Broker&#8217;s Agreement after signup.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34ae76b6 elementor-widget elementor-widget-heading\" data-id=\"34ae76b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Monthly Goals as a PAL Affiliates<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60180fe elementor-widget elementor-widget-toggle\" data-id=\"60180fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1001\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1001\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">One Lead a Month Goal<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1001\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1001\"><p>While it is not a &#8220;cast-in-stone-requirement&#8221; we recommend you set a goal of at least one (1) lead submitted every month.\u00a0 Most PALs, whether Affiliate or Associate, actually working the business will target much higher.\u00a0 Remember, some percentage of your leads become clients.\u00a0 And clients pay commissions.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1002\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1002\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Local Clubs or Organizations<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1002\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1002\"><p>If you are operating as a PAL Associate on a full-time basis, we highly recommend that you join your local Chamber of Commerce.\u00a0 Here you will meet and benefit with dozens and dozens of relationships such as bank lending officers, accounting professionals as well as client prospects.\u00a0<\/p><p>If you are operating as a PAL on a part-time basis and are, as an example, a full-time accounting professional, the Chamber of Commerce is an almost essential organization for you to join.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1003\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1003\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Monthly Income Goals<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1003\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1003\"><p>Each lead that becomes a client will provide you a commission that is residual in nature.\u00a0 In other words, a single successful lead conversion will pay you month after month.\u00a0 This commonly provides you with income for many years. As a PAL Associate, you should set a minimum goal to generate a commissionable lead every month.\u00a0 In fact, successful PAL Associates generate at least 4 or 5 quality leads every month, with at least one or two of those leads converting to a client.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc34594 elementor-widget elementor-widget-heading\" data-id=\"cc34594\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Training, Marketing, &amp; Support<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aaee77f elementor-widget elementor-widget-toggle\" data-id=\"aaee77f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1791\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1791\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Attend Your Chamber Events<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1791\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1791\"><p>All PAL Associates generate leads through networking, along with direct marketing campaigns, and you will find dozens of productive campaign samples at the Academy in both the course on Business Development as well as the course #6 at the Annex.\u00a0 Make sure you attend ALL of your local Chamber of Commerce events.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1792\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1792\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">IACFB Magazine for Marketing and Contests<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1792\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1792\"><p>IACFB Magazine <a href=\"http:\/\/www.commercialfinanceconsultants.com\" target=\"_blank\" rel=\"noopener\">(Commercial Finance Consultants.com)<\/a> provides you with a complete wealth of marketing tips and strategies for you PAL Associates Business.\u00a0 Additionally, this is where we post monthly contests and productivity bonuses.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1793\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1793\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Factoring 101: A Broker's Guide<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1793\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1793\"><p>The Factoring 101: A Broker&#8217;s Guide will provide you with everything you need to become successful as a PAL Affiliate.\u00a0 It is now available at Amazon Books in paperback form.\u00a0 <a href=\"https:\/\/iacfb.net\/index.php\/training-guide\/\" target=\"_blank\" rel=\"noopener\">Click Here.<\/a><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>PALS PROGRAM Partners Active Locations Network International Association of Commercial Finance Brokers Explore PAL Associates Video https:\/\/iacfb.net\/wp-content\/uploads\/2026\/02\/PALs-Associate-Intro-2026.mp4 Becoming a PAL Associate For those seeking to begin earning lucrative residual commission income with minimal out-of-pocket cost, the IACFB PAL Associate\u00a0 Factoring Referrer Program is created just for you.\u00a0 Costs: Get Started Subscribe to IACFB Academy Training [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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