{"id":7962,"date":"2026-05-23T14:18:49","date_gmt":"2026-05-23T14:18:49","guid":{"rendered":"https:\/\/iacfb.net\/?page_id=7962"},"modified":"2026-05-29T12:38:31","modified_gmt":"2026-05-29T12:38:31","slug":"referrer","status":"publish","type":"page","link":"https:\/\/iacfb.net\/index.php\/referrer\/","title":{"rendered":"Referrer"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7962\" class=\"elementor elementor-7962\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-289b078c elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"289b078c\" 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-75c21978\" data-id=\"75c21978\" 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-2f3b06d9 elementor-widget elementor-widget-heading\" data-id=\"2f3b06d9\" 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-94e8312 elementor-widget elementor-widget-heading\" data-id=\"94e8312\" 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-34056a42 elementor-widget elementor-widget-heading\" data-id=\"34056a42\" 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-55a61cbc elementor-invisible\" data-id=\"55a61cbc\" 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-1bbb4024 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"1bbb4024\" 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-1a6c860a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1a6c860a\" 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-69d92cfe\" data-id=\"69d92cfe\" 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-57f8310 elementor-widget elementor-widget-heading\" data-id=\"57f8310\" 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\">Become a PAL Referrer at IACFB<\/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-63c36c68 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"63c36c68\" 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-17f01975\" data-id=\"17f01975\" 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-1a02a2e6 elementor-widget elementor-widget-heading\" data-id=\"1a02a2e6\" 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-589610de elementor-widget elementor-widget-video\" data-id=\"589610de\" 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\/05\/PALs-Referrer-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-3d79fb55\" data-id=\"3d79fb55\" 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-11d08417 elementor-widget elementor-widget-heading\" data-id=\"11d08417\" 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 Referrer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57baa22b elementor-widget elementor-widget-text-editor\" data-id=\"57baa22b\" 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 <strong>ZERO out-of-pocket cost<\/strong>, the IACFB PAL Referrer\u00a0 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-4d51e21b elementor-widget elementor-widget-heading\" data-id=\"4d51e21b\" 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:  Zero Costs to 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-3b4f7d17 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3b4f7d17\" 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\">FREE Subscription to IACFB PAL Referrer Program. <\/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\">Request Your Login Credentials  for Submissions<\/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\">Submit Your First SQL Deals for Follow-Up<\/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\">Start Building Your Monthly Income<\/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\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-64c2033 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"64c2033\" 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-100 elementor-top-column elementor-element elementor-element-4b298e9\" data-id=\"4b298e9\" 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-ecb97d5 elementor-headline--style-highlight elementor-widget elementor-widget-animated-headline\" data-id=\"ecb97d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;highlighted_text&quot;:&quot;30% Off&quot;,&quot;headline_style&quot;:&quot;highlight&quot;,&quot;marker&quot;:&quot;circle&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;highlight_animation_duration&quot;:1200,&quot;highlight_iteration_delay&quot;:8000}\" data-widget_type=\"animated-headline.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3 class=\"elementor-headline\">\n\t\t\t\t\t<span class=\"elementor-headline-plain-text elementor-headline-text-wrapper\">Special: <\/span>\n\t\t\t\t<span class=\"elementor-headline-dynamic-wrapper elementor-headline-text-wrapper\">\n\t\t\t\t\t<span class=\"elementor-headline-dynamic-text elementor-headline-text-active\">30% Off<\/span>\n\t\t\t\t<\/span>\n\t\t\t\t\t<span class=\"elementor-headline-plain-text elementor-headline-text-wrapper\">Commercial Finance Consultants Mag.<\/span>\n\t\t\t\t\t<\/h3>\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-41174c1 elementor-widget elementor-widget-heading\" data-id=\"41174c1\" 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\">Use Your PAL Referrer \"Password\" as Your PROMO Code\" <br> When Subscribing to CFC Magazine<\/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-4ad1d22 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4ad1d22\" 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-100 elementor-top-column elementor-element elementor-element-15b45a80\" data-id=\"15b45a80\" 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-3b458cb8 elementor-widget-divider--view-line_text elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"3b458cb8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<span class=\"elementor-divider__text elementor-divider__element\">\n\t\t\t\tAbout the Referrer Program\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3e6127b6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3e6127b6\" 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-73e99988\" data-id=\"73e99988\" 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-1535cede elementor-widget elementor-widget-heading\" data-id=\"1535cede\" 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 Three (3) 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-a4423e0 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"a4423e0\" 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\">Prospect Business Size:  $25,000 in invoicing monthly<\/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\">B2B Customers ONLY.  No consumer billing<\/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\">Have spoken with the prospect in the last 48 hours<\/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-4f15f619 elementor-widget elementor-widget-heading\" data-id=\"4f15f619\" 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\">Subscribe as a PAL Referrer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c4dd22 elementor-widget elementor-widget-text-editor\" data-id=\"1c4dd22\" 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>Complete the form below to become a PAL Referrer. Check your email within 24 hours to receive your login password so you can begin submitting <strong>Sales Qualified Leads<\/strong> and begin earning monthly commissions<\/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-f77af97 elementor-widget elementor-widget-html\" data-id=\"f77af97\" 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=00067ceef0\" 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 a Referrer<\/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=\"\"><span id=\"mce-MMERGE3-HELPERTEXT\" class=\"helper_text\">Your Zip Code<\/span><\/div>\r\n<div hidden=\"\"><input type=\"hidden\" name=\"tags\" value=\"4238215\"><\/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';}(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\":\"Your Zip Code\",\"type\":\"zip\",\"required\":true,\"audience_field_name\":\"Zip Code\",\"enabled\":true,\"order\":3,\"field_type\":\"merge\",\"merge_id\":3}}).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\":\"Your Zip Code\",\"type\":\"zip\",\"required\":true,\"audience_field_name\":\"Zip Code\",\"enabled\":true,\"order\":3,\"field_type\":\"merge\",\"merge_id\":3}}).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-e424c71\" data-id=\"e424c71\" 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-4e3d6525 elementor-widget elementor-widget-heading\" data-id=\"4e3d6525\" 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 Referrer Account<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b286afd elementor-widget elementor-widget-toggle\" data-id=\"5b286afd\" 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-1521\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1521\" 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 Referrer<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1521\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1521\"><p>One of the most lucrative home-based side businesses features residual monthly commissions paid for the life of the account. Complete the form at left and request your login password.\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-1522\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1522\" 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\">Receive Your Password for Lead Submissions<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1522\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1522\"><p>Check your email.\u00a0 You will receive your password so you can log in and begin submitting SQL leads to the program.<\/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-1523\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1523\" 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 a  PAL Referrer<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1523\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1523\"><p>Once you have received your login password, to submit a prospect for financing, simply choose SUBMIT a LEAD from the main MENU on any page here at IACFB.net.\u00a0\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-1524\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1524\" 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 Referrer's Agreement?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1524\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1524\"><p>The current PAL Referrers Agreement (Broker&#8217;s Agreement) is available for you to download when you submit a new lead.<\/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-53a9b0c elementor-widget elementor-widget-heading\" data-id=\"53a9b0c\" 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 Referrer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b6f2409 elementor-widget elementor-widget-toggle\" data-id=\"2b6f2409\" 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-7281\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-7281\" 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 Quarter is Your Goal<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7281\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-7281\"><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 quarter.\u00a0 Most PAL Referrers actually working the business will target much higher.\u00a0 Remember, some percentage of your leads become clients.\u00a0 And clients pay commission streams of monthly income for you as the broker-of-record.<\/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-7282\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-7282\" 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\">Joining Local Clubs or Organizations<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7282\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-7282\"><p>We highly recommend that you join and participate in one or two local clubs or organizations in your community.\u00a0 In many cases, this does require some expense so it is at your option.\u00a0 There are dozens of articles on the IACFB Magazine to give you some ideas and suggestions.<\/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-2fad8ad5 elementor-widget elementor-widget-heading\" data-id=\"2fad8ad5\" 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\">Tips for Generating SQL Leads<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76fe8197 elementor-widget elementor-widget-toggle\" data-id=\"76fe8197\" 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-1991\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1991\" 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 Club  Events<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1991\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1991\"><p>All PAL Referrers generate leads through networking.\u00a0 They are simply at the right place and at the right time to participate in a conversation about business finance.\u00a0 The more you know about factoring, the more valuable you become to others.\u00a0 No matter what clubs or organizations you join&#8230;be active!<\/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-1992\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1992\" 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-1992\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1992\"><p>Although it is not a requirement, 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 your PAL Referrer 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-1993\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1993\" 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-1993\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1993\"><p>The Factoring 101: A Broker&#8217;s Guide will provide you with everything you need to become successful as a PAL Referrer.\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 Become a PAL Referrer at IACFB Video https:\/\/iacfb.net\/wp-content\/uploads\/2026\/05\/PALs-Referrer-2026.mp4 Becoming a PAL Referrer For those seeking to begin earning lucrative residual commission income with ZERO out-of-pocket cost, the IACFB PAL Referrer\u00a0 Program is created just for you.\u00a0 Costs: Zero Costs to Get Started FREE [&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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-7962","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/iacfb.net\/index.php\/wp-json\/wp\/v2\/pages\/7962","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iacfb.net\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/iacfb.net\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/iacfb.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/iacfb.net\/index.php\/wp-json\/wp\/v2\/comments?post=7962"}],"version-history":[{"count":92,"href":"https:\/\/iacfb.net\/index.php\/wp-json\/wp\/v2\/pages\/7962\/revisions"}],"predecessor-version":[{"id":8240,"href":"https:\/\/iacfb.net\/index.php\/wp-json\/wp\/v2\/pages\/7962\/revisions\/8240"}],"wp:attachment":[{"href":"https:\/\/iacfb.net\/index.php\/wp-json\/wp\/v2\/media?parent=7962"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}