class Akismet_REST_API {
	/**
	 * Register the REST API routes.
	 */
	public static function init() {
		if ( ! function_exists( 'register_rest_route' ) ) {
			// The REST API wasn't integrated into core until 4.4, and we support 4.0+ (for now).
			return false;
		}

		register_rest_route( 'akismet/v1', '/key', array(
			array(
				'methods' => WP_REST_Server::READABLE,
				'permission_callback' => array( 'Akismet_REST_API', 'privileged_permission_callback' ),
				'callback' => array( 'Akismet_REST_API', 'get_key' ),
			), array(
				'methods' => WP_REST_Server::EDITABLE,
				'permission_callback' => array( 'Akismet_REST_API', 'privileged_permission_callback' ),
				'callback' => array( 'Akismet_REST_API', 'set_key' ),
				'args' => array(
					'key' => array(
						'required' => true,
						'type' => 'string',
						'sanitize_callback' => array( 'Akismet_REST_API', 'sanitize_key' ),
						'description' => __( 'A 12-character Akismet API key. Available at akismet.com/get/', 'akismet' ),
					),
				),
			), array(
				'methods' => WP_REST_Server::DELETABLE,
				'permission_callback' => array( 'Akismet_REST_API', 'privileged_permission_callback' ),
				'callback' => array( 'Akismet_REST_API', 'delete_key' ),
			)
		) );

		register_rest_route( 'akismet/v1', '/settings/', array(
			array(
				'methods' => WP_REST_Server::READABLE,
				'permission_callback' => array( 'Akismet_REST_API', 'privileged_permission_callback' ),
				'callback' => array( 'Akismet_REST_API', 'get_settings' ),
			),
			array(
				'methods' => WP_REST_Server::EDITABLE,
				'permission_callback' => array( 'Akismet_REST_API', 'privileged_permission_callback' ),
				'callback' => array( 'Akismet_REST_API', 'set_boolean_settings' ),
				'args' => array(
					'akismet_strictness' => array(
						'required' => false,
						'type' => 'boolean',
						'description' => __( 'If true, Akismet will automatically discard the worst spam automatically rather than putting it in the spam folder.', 'akismet' ),
					),
					'akismet_show_user_comments_approved' => array(
						'required' => false,
						'type' => 'boolean',
						'description' => __( 'If true, show the number of approved comments beside each comment author in the comments list page.', 'akismet' ),
					),
				),
			)
		) );

		register_rest_route( 'akismet/v1', '/stats', array(
			'methods' => WP_REST_Server::READABLE,
			'permission_callback' => array( 'Akismet_REST_API', 'privileged_permission_callback' ),
			'callback' => array( 'Akismet_REST_API', 'get_stats' ),
			'args' => array(
				'interval' => array(
					'required' => false,
					'type' => 'string',
					'sanitize_callback' => array( 'Akismet_REST_API', 'sanitize_interval' ),
					'description' => __( 'The time period for which to retrieve stats. Options: 60-days, 6-months, all', 'akismet' ),
					'default' => 'all',
				),
			),
		) );

		register_rest_route( 'akismet/v1', '/stats/(?P<interval>[\w+])', array(
			'args' => array(
				'interval' => array(
					'description' => __( 'The time period for which to retrieve stats. Options: 60-days, 6-months, all', 'akismet' ),
					'type' => 'string',
				),
			),
			array(
				'methods' => WP_REST_Server::READABLE,
				'permission_callback' => array( 'Akismet_REST_API', 'privileged_permission_callback' ),
				'callback' => array( 'Akismet_REST_API', 'get_stats' ),
			)
		) );

		register_rest_route( 'akismet/v1', '/alert', array(
			array(
				'methods' => WP_REST_Server::READABLE,
				'permission_callback' => array( 'Akismet_REST_API', 'remote_call_permission_callback' ),
				'callback' => array( 'Akismet_REST_API', 'get_alert' ),
				'args' => array(
					'key' => array(
						'required' => false,
						'type' => 'string',
						'sanitize_callback' => array( 'Akismet_REST_API', 'sanitize_key' ),
						'description' => __( 'A 12-character Akismet API key. Available at akismet.com/get/', 'akismet' ),
					),
				),
			),
			array(
				'methods' => WP_REST_Server::EDITABLE,
				'permission_callback' => array( 'Akismet_REST_API', 'remote_call_permission_callback' ),
				'callback' => array( 'Akismet_REST_API', 'set_alert' ),
				'args' => array(
					'key' => array(
						'required' => false,
						'type' => 'string',
						'sanitize_callback' => array( 'Akismet_REST_API', 'sanitize_key' ),
						'description' => __( 'A 12-character Akismet API key. Available at akismet.com/get/', 'akismet' ),
					),
				),
			),
			array(
				'methods' => WP_REST_Server::DELETABLE,
				'permission_callback' => array( 'Akismet_REST_API', 'remote_call_permission_callback' ),
				'callback' => array( 'Akismet_REST_API', 'delete_alert' ),
				'args' => array(
					'key' => array(
						'required' => false,
						'type' => 'string',
						'sanitize_callback' => array( 'Akismet_REST_API', 'sanitize_key' ),
						'description' => __( 'A 12-character Akismet API key. Available at akismet.com/get/', 'akismet' ),
					),
				),
			)
		) );

		register_rest_route(
			'akismet/v1',
			'/webhook',
			array(
				'methods' => WP_REST_Server::CREATABLE,
				'callback' => array( 'Akismet_REST_API', 'receive_webhook' ),
				'permission_callback' => array( 'Akismet_REST_API', 'remote_call_permission_callback' ),
			)
		);
	}

	/**
	 * Get the current Akismet API key.
	 *
	 * @param WP_REST_Request $request
	 * @return WP_Error|WP_REST_Response
	 */
	public static function get_key( $request = null ) {
		return rest_ensure_response( Akismet::get_api_key() );
	}

	/**
	 * Set the API key, if possible.
	 *
	 * @param WP_REST_Request $request
	 * @return WP_Error|WP_REST_Response
	 */
	public static function set_key( $request ) {
		if ( defined( 'WPCOM_API_KEY' ) ) {
			return rest_ensure_response( new WP_Error( 'hardcoded_key', __( 'This site\'s API key is hardcoded and cannot be changed via the API.', 'akismet' ), array( 'status'=> 409 ) ) );
		}

		$new_api_key = $request->get_param( 'key' );

		if ( ! self::key_is_valid( $new_api_key ) ) {
			return rest_ensure_response( new WP_Error( 'invalid_key', __( 'The value provided is not a valid and registered API key.', 'akismet' ), array( 'status' => 400 ) ) );
		}

		update_option( 'wordpress_api_key', $new_api_key );

		return self::get_key();
	}

	/**
	 * Unset the API key, if possible.
	 *
	 * @param WP_REST_Request $request
	 * @return WP_Error|WP_REST_Response
	 */
	public static function delete_key( $request ) {
		if ( defined( 'WPCOM_API_KEY' ) ) {
			return rest_ensure_response( new WP_Error( 'hardcoded_key', __( 'This site\'s API key is hardcoded and cannot be deleted.', 'akismet' ), array( 'status'=> 409 ) ) );
		}

		delete_option( 'wordpress_api_key' );

		return rest_ensure_response( true );
	}

	/**
	 * Get the Akismet settings.
	 *
	 * @param WP_REST_Request $request
	 * @return WP_Error|WP_REST_Response
	 */
	public static function get_settings( $request = null ) {
		return rest_ensure_response( array(
			'akismet_strictness' => ( get_option( 'akismet_strictness', '1' ) === '1' ),
			'akismet_show_user_comments_approved' => ( get_option( 'akismet_show_user_comments_approved', '1' ) === '1' ),
		) );
	}

	/**
	 * Update the Akismet settings.
	 *
	 * @param WP_REST_Request $request
	 * @return WP_Error|WP_REST_Response
	 */
	public static function set_boolean_settings( $request ) {
		foreach ( array(
			'akismet_strictness',
			'akismet_show_user_comments_approved',
		) as $setting_key ) {

			$setting_value = $request->get_param( $setting_key );
			if ( is_null( $setting_value ) ) {
				// This setting was not specified.
				continue;
			}

			// From 4.7+, WP core will ensure that these are always boolean
			// values because they are registered with 'type' => 'boolean',
			// but we need to do this ourselves for prior versions.
			$setting_value = Akismet_REST_API::parse_boolean( $setting_value );

			update_option( $setting_key, $setting_value ? '1' : '0' );
		}

		return self::get_settings();
	}

	/**
	 * Parse a numeric or string boolean value into a boolean.
	 *
	 * @param mixed $value The value to convert into a boolean.
	 * @return bool The converted value.
	 */
	public static function parse_boolean( $value ) {
		switch ( $value ) {
			case true:
			case 'true':
			case '1':
			case 1:
				return true;

			case false:
			case 'false':
			case '0':
			case 0:
				return false;

			default:
				return (bool) $value;
		}
	}

	/**
	 * Get the Akismet stats for a given time period.
	 *
	 * Possible `interval` values:
	 * - all
	 * - 60-days
	 * - 6-months
	 *
	 * @param WP_REST_Request $request
	 * @return WP_Error|WP_REST_Response
	 */
	public static function get_stats( $request ) {
		$api_key = Akismet::get_api_key();

		$interval = $request->get_param( 'interval' );

		$stat_totals = array();

		$request_args = array(
			'blog' => get_option( 'home' ),
			'key' => $api_key,
			'from' => $interval,
		);

		$request_args = apply_filters( 'akismet_request_args', $request_args, 'get-stats' );

		$response = Akismet::http_post( Akismet::build_query( $request_args ), 'get-stats' );

		if ( ! empty( $response[1] ) ) {
			$stat_totals[$interval] = json_decode( $response[1] );
		}

		return rest_ensure_response( $stat_totals );
	}

	/**
	 * Get the current alert code and message. Alert codes are used to notify the site owner
	 * if there's a problem, like a connection issue between their site and the Akismet API,
	 * invalid requests being sent, etc.
	 *
	 * @param WP_REST_Request $request
	 * @return WP_Error|WP_REST_Response
	 */
	public static function get_alert( $request ) {
		return rest_ensure_response( array(
			'code' => get_option( 'akismet_alert_code' ),
			'message' => get_option( 'akismet_alert_msg' ),
		) );
	}

	/**
	 * Update the current alert code and message by triggering a call to the Akismet server.
	 *
	 * @param WP_REST_Request $request
	 * @return WP_Error|WP_REST_Response
	 */
	public static function set_alert( $request ) {
		delete_option( 'akismet_alert_code' );
		delete_option( 'akismet_alert_msg' );

		// Make a request so the most recent alert code and message are retrieved.
		Akismet::verify_key( Akismet::get_api_key() );

		return self::get_alert( $request );
	}

	/**
	 * Clear the current alert code and message.
	 *
	 * @param WP_REST_Request $request
	 * @return WP_Error|WP_REST_Response
	 */
	public static function delete_alert( $request ) {
		delete_option( 'akismet_alert_code' );
		delete_option( 'akismet_alert_msg' );

		return self::get_alert( $request );
	}

	private static function key_is_valid( $key ) {
		$request_args = array(
			'key' => $key,
			'blog' => get_option( 'home' ),
		);

		$request_args = apply_filters( 'akismet_request_args', $request_args, 'verify-key' );

		$response = Akismet::http_post( Akismet::build_query( $request_args ), 'verify-key' );

		if ( $response[1] == 'valid' ) {
			return true;
		}

		return false;
	}

	public static function privileged_permission_callback() {
		return current_user_can( 'manage_options' );
	}

	/**
	 * For calls that Akismet.com makes to the site to clear outdated alert codes, use the API key for authorization.
	 */
	public static function remote_call_permission_callback( $request ) {
		$local_key = Akismet::get_api_key();

		return $local_key && ( strtolower( $request->get_param( 'key' ) ) === strtolower( $local_key ) );
	}

	public static function sanitize_interval( $interval, $request, $param ) {
		$interval = trim( $interval );

		$valid_intervals = array( '60-days', '6-months', 'all', );

		if ( ! in_array( $interval, $valid_intervals ) ) {
			$interval = 'all';
		}

		return $interval;
	}

	public static function sanitize_key( $key, $request, $param ) {
		return trim( $key );
	}

	/**
	 * Process a webhook request from the Akismet servers.
	 *
	 * @param WP_REST_Request $request
	 * @return WP_Error|WP_REST_Response
	 */
	public static function receive_webhook( $request ) {
		Akismet::log( array( 'Webhook request received', $request->get_body() ) );

		/**
		 * The request body should look like this:
		 * array(
		 *     'key' => '1234567890abcd',
		 *     'endpoint' => '[comment-check|submit-ham|submit-spam]',
		 *     'comments' => array(
		 *         array(
		 *             'guid' => '[...]',
		 *             'result' => '[true|false]',
		 *             'comment_author' => '[...]',
		 *             [...]
		 *         ),
		 *         array(
		 *             'guid' => '[...]',
		 *             [...],
		 *         ),
		 *         [...]
		 *     )
		 * )
		 *
		 * Multiple comments can be included in each request, and the only truly required
		 * field for each is the guid, although it would be friendly to include also
		 * comment_post_ID, comment_parent, and comment_author_email, if possible to make
		 * searching easier.
		 */

		// The response will include statuses for the result of each comment that was supplied.
		$response = array(
			'comments' => array(),
		);

		$endpoint = $request->get_param( 'endpoint' );

		switch ( $endpoint ) {
			case 'comment-check':
				$webhook_comments = $request->get_param( 'comments' );

				if ( ! is_array( $webhook_comments ) ) {
					return rest_ensure_response( new WP_Error( 'malformed_request', __( 'The \'comments\' parameter must be an array.', 'akismet' ), array( 'status' => 400 ) ) );
				}

				foreach ( $webhook_comments as $webhook_comment ) {
					$guid = $webhook_comment['guid'];

					if ( ! $guid ) {
						// Without the GUID, we can't be sure that we're matching the right comment.
						// We'll make it a rule that any comment without a GUID is ignored intentionally.
						continue;
					}

					// Search on the fields that are indexed in the comments table, plus the GUID.
					// The GUID is the only thing we really need to search on, but comment_meta
					// is not indexed in a useful way if there are many many comments. This
					// should help narrow it down first.
					$queryable_fields = array(
						'comment_post_ID' => 'post_id',
						'comment_parent' => 'parent',
						'comment_author_email' => 'author_email',
					);

					$query_args = array();
					$query_args['status'] = 'any';
					$query_args['meta_key'] = 'akismet_guid';
					$query_args['meta_value'] = $guid;

					foreach ( $queryable_fields as $queryable_field => $wp_comment_query_field ) {
						if ( isset( $webhook_comment[ $queryable_field ] ) ) {
							$query_args[ $wp_comment_query_field ] = $webhook_comment[ $queryable_field ];
						}
					}

					$comments_query = new WP_Comment_Query( $query_args );
					$comments = $comments_query->comments;

					if ( ! $comments ) {
						// Unexpected, although the comment could have been deleted since being submitted.
						Akismet::log( 'Webhook failed: no matching comment found.' );

						$response['comments'][ $guid ] = array( 'status' => 'error', 'message' => __( 'Could not find matching comment.', 'akismet' ) );

						continue;
					} if ( count( $comments ) > 1 ) {
						// Two comments shouldn't be able to match the same GUID.
						Akismet::log( 'Webhook failed: multiple matching comments found.', $comments );

						$response['comments'][ $guid ] = array( 'status' => 'error', 'message' => __( 'Multiple comments matched request.', 'akismet' ) );

						continue;
					} else {
						// We have one single match, as hoped for.
						Akismet::log( 'Found matching comment.', $comments );

						$current_status = wp_get_comment_status( $comments[0] );

						$result = $webhook_comment['result'];

						if ( 'true' == $result ) {
							Akismet::log( 'Comment should be spam' );

							// The comment should be classified as spam.
							if ( 'spam' != $current_status ) {
								// The comment is not classified as spam. If Akismet was the one to act on it, move it to spam.
								if ( Akismet::last_comment_status_change_came_from_akismet( $comments[0]->comment_ID ) ) {
									Akismet::log( 'Comment is not spam; marking as spam.' );

									wp_spam_comment( $comments[0] );
									Akismet::update_comment_history( $comments[0]->comment_ID, '', 'webhook-spam' );
								} else {
									Akismet::log( 'Comment is not spam, but it has already been manually handled by some other process.' );
									Akismet::update_comment_history( $comments[0]->comment_ID, '', 'webhook-spam-noaction' );
								}
							}
						} else if ( 'false' == $result ) {
							Akismet::log( 'Comment should be ham' );

							// The comment should be classified as ham.
							if ( 'spam' == $current_status ) {
								Akismet::log( 'Comment is spam.' );

								// The comment is classified as spam. If Akismet was the one to label it as spam, unspam it.
								if ( Akismet::last_comment_status_change_came_from_akismet( $comments[0]->comment_ID ) ) {
									Akismet::log( 'Akismet marked it as spam; unspamming.' );

									wp_unspam_comment( $comments[0] );
									akismet::update_comment_history( $comments[0]->comment_ID, '', 'webhook-ham' );
								} else {
									Akismet::log( 'Comment is not spam, but it has already been manually handled by some other process.' );
									Akismet::update_comment_history( $comments[0]->comment_ID, '', 'webhook-ham-noaction' );
								}
							}
						}

						$response['comments'][ $guid ] = array( 'status' => 'success' );
					}
				}

				break;
			case 'submit-ham':
			case 'submit-spam':
				// Nothing to do for submit-ham or submit-spam.
				break;
			default:
				// Unsupported endpoint.
				break;
		}

		/**
		 * Allow plugins to do things with a successfully processed webhook request, like logging.
		 *
		 * @since 5.3.2
		 *
		 * @param WP_REST_Request $request The REST request object.
		 */
		do_action( 'akismet_webhook_received', $request );

		Akismet::log( 'Done processing webhook.' );

		return rest_ensure_response( $response );
	}
}
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var td_get_template_directory_uri="https:\/\/modernbusinessinternational.com\/wp-content\/plugins\/td-composer\/legacy\/common";
var tds_snap_menu="";
var tds_logo_on_sticky="";
var tds_header_style="";
var td_please_wait="Please wait...";
var td_email_user_pass_incorrect="User or password incorrect!";
var td_email_user_incorrect="Email or username incorrect!";
var td_email_incorrect="Email incorrect!";
var td_user_incorrect="Username incorrect!";
var td_email_user_empty="Email or username empty!";
var td_pass_empty="Pass empty!";
var td_pass_pattern_incorrect="Invalid Pass Pattern!";
var td_retype_pass_incorrect="Retyped Pass incorrect!";
var tds_more_articles_on_post_enable="";
var tds_more_articles_on_post_time_to_wait="";
var tds_more_articles_on_post_pages_distance_from_top=0;
var tds_theme_color_site_wide="#ea2e2e";
var tds_smart_sidebar="";
var tdThemeName="Newspaper";
var tdThemeNameWl="Newspaper";
var td_magnific_popup_translation_tPrev="Previous (Left arrow key)";
var td_magnific_popup_translation_tNext="Next (Right arrow key)";
var td_magnific_popup_translation_tCounter="%curr% of %total%";
var td_magnific_popup_translation_ajax_tError="The content from %url% could not be loaded.";
var td_magnific_popup_translation_image_tError="The image #%curr% could not be loaded.";
var tdBlockNonce="7a95c1f949";
var tdDateNamesI18n={"month_names":["January","February","March","April","May","June","July","August","September","October","November","December"],"month_names_short":["Jan","Feb","Mar","Apr","May","Jun","Jul","Aug","Sep","Oct","Nov","Dec"],"day_names":["Sunday","Monday","Tuesday","Wednesday","Thursday","Friday","Saturday"],"day_names_short":["Sun","Mon","Tue","Wed","Thu","Fri","Sat"]};
var tdb_modal_confirm="Save";
var tdb_modal_cancel="Cancel";
var tdb_modal_confirm_alt="Yes";
var tdb_modal_cancel_alt="No";
var td_ad_background_click_link="";
var td_ad_background_click_target="";
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<!-- Header style compiled by theme -->

<style>
    
.td-header-wrap .black-menu .sf-menu > .current-menu-item > a,
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        background-color: #ea2e2e;
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    .td_block_template_4 .td-related-title .td-cur-simple-item:before {
        border-color: #ea2e2e transparent transparent transparent !important;
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    .td_block_template_4 .td-related-title .td-cur-simple-item,
    .td_block_template_3 .td-related-title .td-cur-simple-item,
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        background-color: #ea2e2e;
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    a,
    cite a:hover,
    .td-page-content blockquote p,
    .td-post-content blockquote p,
    .mce-content-body blockquote p,
    .comment-content blockquote p,
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    .td_block_text_with_title blockquote p,
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    body .td_top_authors .td-active .td-authors-name a,
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    .author-box-wrap .td-author-social a:hover,
    .td-author-name a:hover,
    .td-author-url a:hover,
    .comment-reply-link:hover,
    .logged-in-as a:hover,
    #cancel-comment-reply-link:hover,
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    .widget a:hover,
    .td_wp_recentcomments a:hover,
    .archive .widget_archive .current,
    .archive .widget_archive .current a,
    .widget_calendar tfoot a:hover,
    #bbpress-forums li.bbp-header .bbp-reply-content span a:hover,
    #bbpress-forums .bbp-forum-freshness a:hover,
    #bbpress-forums .bbp-topic-freshness a:hover,
    #bbpress-forums .bbp-forums-list li a:hover,
    #bbpress-forums .bbp-forum-title:hover,
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    #bbpress-forums .bbp-topic-started-in a:hover,
    #bbpress-forums .bbp-body .super-sticky li.bbp-topic-title .bbp-topic-permalink,
    #bbpress-forums .bbp-body .sticky li.bbp-topic-title .bbp-topic-permalink,
    .widget_display_replies .bbp-author-name,
    .widget_display_topics .bbp-author-name,
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    a.vc_btn-black:hover,
    .td-smart-list-dropdown-wrap .td-smart-list-button:hover,
    .td-instagram-user a,
    .td-block-title-wrap .td-wrapper-pulldown-filter .td-pulldown-filter-display-option:hover,
    .td-block-title-wrap .td-wrapper-pulldown-filter .td-pulldown-filter-display-option:hover i,
    .td-block-title-wrap .td-wrapper-pulldown-filter .td-pulldown-filter-link:hover,
    .td-block-title-wrap .td-wrapper-pulldown-filter .td-pulldown-filter-item .td-cur-simple-item,
    .td-pulldown-syle-2 .td-subcat-dropdown:hover .td-subcat-more span,
    .td-pulldown-syle-2 .td-subcat-dropdown:hover .td-subcat-more i,
    .td-pulldown-syle-3 .td-subcat-dropdown:hover .td-subcat-more span,
    .td-pulldown-syle-3 .td-subcat-dropdown:hover .td-subcat-more i,
    .td_block_template_2 .td-related-title .td-cur-simple-item,
    .td_block_template_5 .td-related-title .td-cur-simple-item,
    .td_block_template_6 .td-related-title .td-cur-simple-item,
    .td_block_template_7 .td-related-title .td-cur-simple-item,
    .td_block_template_8 .td-related-title .td-cur-simple-item,
    .td_block_template_9 .td-related-title .td-cur-simple-item,
    .td_block_template_10 .td-related-title .td-cur-simple-item,
    .td_block_template_11 .td-related-title .td-cur-simple-item,
    .td_block_template_12 .td-related-title .td-cur-simple-item,
    .td_block_template_13 .td-related-title .td-cur-simple-item,
    .td_block_template_14 .td-related-title .td-cur-simple-item,
    .td_block_template_15 .td-related-title .td-cur-simple-item,
    .td_block_template_16 .td-related-title .td-cur-simple-item,
    .td_block_template_17 .td-related-title .td-cur-simple-item,
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    .td-theme-wrap .sf-menu ul .sfHover > a,
    .td-theme-wrap .sf-menu ul .current-menu-ancestor > a,
    .td-theme-wrap .sf-menu ul .current-category-ancestor > a,
    .td-theme-wrap .sf-menu ul .current-menu-item > a,
    .td_outlined_btn,
    body .td_block_categories_tags .td-ct-item:hover,
    body .td_block_list_menu li.current-menu-item > a,
    body .td_block_list_menu li.current-menu-ancestor > a,
    body .td_block_list_menu li.current-category-ancestor > a {
        color: #ea2e2e;
    }

    a.vc_btn-black.vc_btn_square_outlined:hover,
    a.vc_btn-black.vc_btn_outlined:hover {
        color: #ea2e2e !important;
    }

    .td-next-prev-wrap a:hover,
    .td-load-more-wrap a:hover,
    .td-post-small-box a:hover,
    .page-nav .current,
    .page-nav:first-child > div,
    #bbpress-forums .bbp-pagination .current,
    .post .td_quote_box,
    .page .td_quote_box,
    a.vc_btn-black:hover,
    .td_block_template_5 .td-block-title > *,
    .td_outlined_btn {
        border-color: #ea2e2e;
    }

    .td_wrapper_video_playlist .td_video_currently_playing:after {
        border-color: #ea2e2e !important;
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    .header-search-wrap .td-drop-down-search:before {
        border-color: transparent transparent #ea2e2e transparent;
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    .block-title > span,
    .block-title > a,
    .block-title > label,
    .widgettitle,
    .widgettitle:after,
    body .td-trending-now-title,
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    .wpb_tabs li.ui-tabs-active a,
    .wpb_tabs li:hover a,
    .vc_tta-container .vc_tta-color-grey.vc_tta-tabs-position-top.vc_tta-style-classic .vc_tta-tabs-container .vc_tta-tab.vc_active > a,
    .vc_tta-container .vc_tta-color-grey.vc_tta-tabs-position-top.vc_tta-style-classic .vc_tta-tabs-container .vc_tta-tab:hover > a,
    .td_block_template_1 .td-related-title .td-cur-simple-item,
    .td-subcat-filter .td-subcat-dropdown:hover .td-subcat-more, 
    .td_3D_btn,
    .td_shadow_btn,
    .td_default_btn,
    .td_round_btn, 
    .td_outlined_btn:hover {
    	background-color: #ea2e2e;
    }
    .block-title,
    .td_block_template_1 .td-related-title,
    .wpb_tabs .wpb_tabs_nav,
    .vc_tta-container .vc_tta-color-grey.vc_tta-tabs-position-top.vc_tta-style-classic .vc_tta-tabs-container {
        border-color: #ea2e2e;
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    .td_block_wrap .td-subcat-item a.td-cur-simple-item {
	    color: #ea2e2e;
	}


    
    .td-grid-style-4 .entry-title
    {
        background-color: rgba(234, 46, 46, 0.7);
    }


    
    .td-menu-background:before,
    .td-search-background:before {
        background: rgba(0,0,0,0.8);
        background: -moz-linear-gradient(top, rgba(0,0,0,0.8) 0%, rgba(0,0,0,0.7) 100%);
        background: -webkit-gradient(left top, left bottom, color-stop(0%, rgba(0,0,0,0.8)), color-stop(100%, rgba(0,0,0,0.7)));
        background: -webkit-linear-gradient(top, rgba(0,0,0,0.8) 0%, rgba(0,0,0,0.7) 100%);
        background: -o-linear-gradient(top, rgba(0,0,0,0.8) 0%, rgba(0,0,0,0.7) 100%);
        background: -ms-linear-gradient(top, rgba(0,0,0,0.8) 0%, rgba(0,0,0,0.7) 100%);
        background: linear-gradient(to bottom, rgba(0,0,0,0.8) 0%, rgba(0,0,0,0.7) 100%);
        filter: progid:DXImageTransform.Microsoft.gradient( startColorstr='rgba(0,0,0,0.8)', endColorstr='rgba(0,0,0,0.7)', GradientType=0 );
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    .td-mobile-content .current-menu-item > a,
    .td-mobile-content .current-menu-ancestor > a,
    .td-mobile-content .current-category-ancestor > a,
    #td-mobile-nav .td-menu-login-section a:hover,
    #td-mobile-nav .td-register-section a:hover,
    #td-mobile-nav .td-menu-socials-wrap a:hover i,
    .td-search-close span:hover i {
        color: #ea2e2e;
    }

    
	#td-mobile-nav,
	#td-mobile-nav .wpb_button,
	.td-search-wrap-mob {
		font-family:Montserrat;
	
	}


	
    .td-page-title,
    .td-category-title-holder .td-page-title {
    	font-family:Montserrat;
	font-size:32px;
	font-weight:bold;
	
    }
    
	.woocommerce {
		font-family:Montserrat;
	
	}
</style>

<link rel="icon" href="https://modernbusinessinternational.com/wp-content/uploads/2023/08/cropped-Screenshot-2023-08-24-173356-32x32.png" sizes="32x32" />
<link rel="icon" href="https://modernbusinessinternational.com/wp-content/uploads/2023/08/cropped-Screenshot-2023-08-24-173356-192x192.png" sizes="192x192" />
<link rel="apple-touch-icon" href="https://modernbusinessinternational.com/wp-content/uploads/2023/08/cropped-Screenshot-2023-08-24-173356-180x180.png" />
<meta name="msapplication-TileImage" content="https://modernbusinessinternational.com/wp-content/uploads/2023/08/cropped-Screenshot-2023-08-24-173356-270x270.png" />

<!-- Button style compiled by theme -->

<style>
    .tdm_block_column_content:hover .tdm-col-content-title-url .tdm-title,
                .tds-button2 .tdm-btn-text,
                .tds-button2 i,
                .tds-button5:hover .tdm-btn-text,
                .tds-button5:hover i,
                .tds-button6 .tdm-btn-text,
                .tds-button6 i,
                .tdm_block_list .tdm-list-item i,
                .tdm_block_pricing .tdm-pricing-feature i,
                body .tdm-social-item i {
                    color: #ea2e2e;
                }
                .tds-button1,
                .tds-button6:after,
                .tds-title2 .tdm-title-line:after,
                .tds-title3 .tdm-title-line:after,
                .tdm_block_pricing.tdm-pricing-featured:before,
                .tdm_block_pricing.tds_pricing2_block.tdm-pricing-featured .tdm-pricing-header,
                .tds-progress-bar1 .tdm-progress-bar:after,
                .tds-progress-bar2 .tdm-progress-bar:after,
                .tds-social3 .tdm-social-item {
                    background-color: #ea2e2e;
                }
                .tds-button2:before,
                .tds-button6:before,
                .tds-progress-bar3 .tdm-progress-bar:after {
                  border-color: #ea2e2e;
                }
                .tdm-btn-style1 {
					background-color: #ea2e2e;
				}
				.tdm-btn-style2:before {
				    border-color: #ea2e2e;
				}
				.tdm-btn-style2 {
				    color: #ea2e2e;
				}
				.tdm-btn-style3 {
				    -webkit-box-shadow: 0 2px 16px #ea2e2e;
                    -moz-box-shadow: 0 2px 16px #ea2e2e;
                    box-shadow: 0 2px 16px #ea2e2e;
				}
				.tdm-btn-style3:hover {
				    -webkit-box-shadow: 0 4px 26px #ea2e2e;
                    -moz-box-shadow: 0 4px 26px #ea2e2e;
                    box-shadow: 0 4px 26px #ea2e2e;
				}
</style>

	<style id="tdw-css-placeholder"></style></head>

<body class="wp-singular post-template-default single single-post postid-9196 single-format-standard wp-theme-Newspaper global-block-template-1 tdb_template_151 tdb-template  tdc-header-template  tdc-footer-template td-animation-stack-type0 td-full-layout" itemscope="itemscope" itemtype="https://schema.org/WebPage">

            <div class="td-scroll-up  td-hide-scroll-up-on-mob" style="display:none;"><i class="td-icon-menu-up"></i></div>
    
    <div class="td-menu-background" style="visibility:hidden"></div>
<div id="td-mobile-nav" style="visibility:hidden">
    <div class="td-mobile-container">
        <!-- mobile menu top section -->
        <div class="td-menu-socials-wrap">
            <!-- socials -->
            <div class="td-menu-socials">
                            </div>
            <!-- close button -->
            <div class="td-mobile-close">
                <span><i class="td-icon-close-mobile"></i></span>
            </div>
        </div>

        <!-- login section -->
                    <div class="td-menu-login-section">
                
    <div class="td-guest-wrap">
        <div class="td-menu-login"><a id="login-link-mob">Sign in</a></div>
    </div>
            </div>
        
        <!-- menu section -->
        <div class="td-mobile-content">
            <div class="menu-main-menu-container"><ul id="menu-main-menu-2" class="td-mobile-main-menu"><li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-first menu-item-157"><a href="https://modernbusinessinternational.com/">Home</a></li>
<li class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-160"><a href="https://modernbusinessinternational.com/category/news/">News</a></li>
<li class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-158"><a href="https://modernbusinessinternational.com/category/global-news/">Global News</a></li>
<li class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-159"><a href="https://modernbusinessinternational.com/category/markets-news/">Markets News</a></li>
<li class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-161"><a href="https://modernbusinessinternational.com/category/companies/">Companies</a></li>
<li class="menu-item menu-item-type-taxonomy menu-item-object-category menu-item-162"><a href="https://modernbusinessinternational.com/category/blogs/">BLOGS</a></li>
<li class="menu-item menu-item-type-taxonomy menu-item-object-category current-post-ancestor current-menu-parent current-post-parent menu-item-163"><a href="https://modernbusinessinternational.com/category/investing/">INVESTING</a></li>
<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-7958"><a href="https://modernbusinessinternational.com/about-us/">About Us</a></li>
</ul></div>        </div>
    </div>

    <!-- register/login section -->
            <div id="login-form-mobile" class="td-register-section">
            
            <div id="td-login-mob" class="td-login-animation td-login-hide-mob">
            	<!-- close button -->
	            <div class="td-login-close">
	                <span class="td-back-button"><i class="td-icon-read-down"></i></span>
	                <div class="td-login-title">Sign in</div>
	                <!-- close button -->
		            <div class="td-mobile-close">
		                <span><i class="td-icon-close-mobile"></i></span>
		            </div>
	            </div>
	            <form class="td-login-form-wrap" action="#" method="post">
	                <div class="td-login-panel-title"><span>Welcome!</span>Log into your account</div>
	                <div class="td_display_err"></div>
	                <div class="td-login-inputs"><input class="td-login-input" autocomplete="username" type="text" name="login_email" id="login_email-mob" value="" required><label for="login_email-mob">your username</label></div>
	                <div class="td-login-inputs"><input class="td-login-input" autocomplete="current-password" type="password" name="login_pass" id="login_pass-mob" value="" required><label for="login_pass-mob">your password</label></div>
	                <input type="button" name="login_button" id="login_button-mob" class="td-login-button" value="LOG IN">
	                
					
	                <div class="td-login-info-text">
	                <a href="#" id="forgot-pass-link-mob">Forgot your password?</a>
	                </div>
	                <div class="td-login-register-link">
	                
	                </div>
	                
	                

                </form>
            </div>

            
            
            
            
            <div id="td-forgot-pass-mob" class="td-login-animation td-login-hide-mob">
                <!-- close button -->
	            <div class="td-forgot-pass-close">
	                <a href="#" aria-label="Back" class="td-back-button"><i class="td-icon-read-down"></i></a>
	                <div class="td-login-title">Password recovery</div>
	            </div>
	            <div class="td-login-form-wrap">
	                <div class="td-login-panel-title">Recover your password</div>
	                <div class="td_display_err"></div>
	                <div class="td-login-inputs"><input class="td-login-input" type="text" name="forgot_email" id="forgot_email-mob" value="" required><label for="forgot_email-mob">your email</label></div>
	                <input type="button" name="forgot_button" id="forgot_button-mob" class="td-login-button" value="Send My Pass">
                </div>
            </div>
        </div>
    </div>    <div class="td-search-background" style="visibility:hidden"></div>
<div class="td-search-wrap-mob" style="visibility:hidden">
	<div class="td-drop-down-search">
		<form method="get" class="td-search-form" action="https://modernbusinessinternational.com/">
			<!-- close button -->
			<div class="td-search-close">
				<span><i class="td-icon-close-mobile"></i></span>
			</div>
			<div role="search" class="td-search-input">
				<span>Search</span>
				<input id="td-header-search-mob" type="text" value="" name="s" autocomplete="off" />
			</div>
		</form>
		<div id="td-aj-search-mob" class="td-ajax-search-flex"></div>
	</div>
</div>
    <div id="td-outer-wrap" class="td-theme-wrap">

                    <div class="td-header-template-wrap" style="position: relative">
                                <div class="td-header-mobile-wrap ">
                    <div id="tdi_1" class="tdc-zone"><div class="tdc_zone tdi_2  wpb_row td-pb-row tdc-element-style"  >
<style scoped>

/* custom css */
.tdi_2{
                    min-height: 0;
                }.td-header-mobile-wrap{
                    position: relative;
                    width: 100%;
                }
/* inline tdc_css att */

/* phone */
@media (max-width: 767px)
{
.tdi_2{
margin-bottom:32px !important;
position:relative;
}
}

</style>
<div class="tdi_1_rand_style td-element-style" ><style>
/* phone */
@media (max-width: 767px)
{
.tdi_1_rand_style{
background-color:#ffffff !important;
}
}
 </style></div><div id="tdi_3" class="tdc-row"><div class="vc_row tdi_4  wpb_row td-pb-row tdc-element-style" >
<style scoped>

/* custom css */
.tdi_4,
                .tdi_4 .tdc-columns{
                    min-height: 0;
                }.tdi_4,
				.tdi_4 .tdc-columns{
				    display: block;
				}.tdi_4 .tdc-columns{
				    width: 100%;
				}

/* phone */
@media (max-width: 767px){
.tdi_4:before{
                    display: block;
                    width: 100vw; 
                    height: 100%;
                    position: absolute;
                    left: 50%;
                    transform: translateX(-50%);
                    box-shadow:  0px 6px 8px 0px rgba(0, 0, 0, 0.08);
                    z-index: 20;
                    pointer-events: none;
                    top: 0;
                }@media (min-width: 768px) {
	                .tdi_4 {
	                    margin-left: -0px;
	                    margin-right: -0px;
	                }
	                .tdi_4 .tdc-row-video-background-error,
	                .tdi_4 .vc_column {
	                    padding-left: 0px;
	                    padding-right: 0px;
	                }
                }
}
/* inline tdc_css att */

/* phone */
@media (max-width: 767px)
{
.tdi_4{
position:relative;
}
}

</style>
<div class="tdi_3_rand_style td-element-style" ><style>
/* phone */
@media (max-width: 767px)
{
.tdi_3_rand_style{
background-color:#ea2e2e !important;
}
}
 </style></div><div class="vc_column tdi_6  wpb_column vc_column_container tdc-column td-pb-span4">
<style scoped>

/* custom css */
.tdi_6{
                    vertical-align: baseline;
                }.tdi_6 > .wpb_wrapper,
				.tdi_6 > .wpb_wrapper > .tdc-elements{
				    display: block;
				}.tdi_6 > .wpb_wrapper > .tdc-elements{
				    width: 100%;
				}.tdi_6 > .wpb_wrapper > .vc_row_inner{
				    width: auto;
				}.tdi_6 > .wpb_wrapper{
				    width: auto;
				    height: auto;
				}

/* phone */
@media (max-width: 767px){
.tdi_6{
                    vertical-align: middle;
                }
}
/* inline tdc_css att */

/* phone */
@media (max-width: 767px)
{
.tdi_6{
width:20% !important;
display:inline-block !important;
}
}

</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_menu tdi_7 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_7" >
<style>

/* inline tdc_css att */

/* phone */
@media (max-width: 767px)
{
.tdi_7{
margin-left:-13px !important;
}
}

</style>
<style>
/* custom css */
.tdb-header-align{
                  vertical-align: middle;
                }.tdb_mobile_menu{
                  margin-bottom: 0;
                  clear: none;
                }.tdb_mobile_menu a{
                  display: inline-block !important;
                  position: relative;
                  text-align: center;
                  color: #4db2ec;
                }.tdb_mobile_menu a > span{
                  display: flex;
                  align-items: center;
                  justify-content: center;
                }.tdb_mobile_menu svg{
                  height: auto;
                }.tdb_mobile_menu svg,
                .tdb_mobile_menu svg *{
                  fill: #4db2ec;
                }#tdc-live-iframe .tdb_mobile_menu a{
                  pointer-events: none;
                }.td-menu-mob-open-menu{
                  overflow: hidden;
                }.td-menu-mob-open-menu #td-outer-wrap{
                  position: static;
                }.tdi_7{
                    display: inline-block;
                }.tdi_7 .tdb-mobile-menu-button i{
                    font-size: 22px;
                
                    width: 55px;
					height: 55px;
					line-height:  55px;
                }.tdi_7 .tdb-mobile-menu-button svg{
                    width: 22px;
                }.tdi_7 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{
                    width: 55px;
					height: 55px;
                }.tdi_7 .tdb-mobile-menu-button{
                    color: #ffffff;
                }.tdi_7 .tdb-mobile-menu-button svg,
                .tdi_7 .tdb-mobile-menu-button svg *{
                    fill: #ffffff;
                }

/* phone */
@media (max-width: 767px){
.tdi_7 .tdb-mobile-menu-button i{
                    font-size: 27px;
                
                    width: 54px;
					height: 54px;
					line-height:  54px;
                }.tdi_7 .tdb-mobile-menu-button svg{
                    width: 27px;
                }.tdi_7 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{
                    width: 54px;
					height: 54px;
                }
}
</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_9  wpb_column vc_column_container tdc-column td-pb-span4">
<style scoped>

/* custom css */
.tdi_9{
                    vertical-align: baseline;
                }.tdi_9 > .wpb_wrapper,
				.tdi_9 > .wpb_wrapper > .tdc-elements{
				    display: block;
				}.tdi_9 > .wpb_wrapper > .tdc-elements{
				    width: 100%;
				}.tdi_9 > .wpb_wrapper > .vc_row_inner{
				    width: auto;
				}.tdi_9 > .wpb_wrapper{
				    width: auto;
				    height: auto;
				}

/* phone */
@media (max-width: 767px){
.tdi_9{
                    vertical-align: middle;
                }
}
/* inline tdc_css att */

/* phone */
@media (max-width: 767px)
{
.tdi_9{
width:60% !important;
display:inline-block !important;
}
}

</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_10 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_10" >
<style>
/* custom css */
.tdb_header_logo{
                  margin-bottom: 0;
                  clear: none;
                }.tdb_header_logo .tdb-logo-a,
                .tdb_header_logo h1{
                  display: flex;
                  pointer-events: auto;
                  align-items: flex-start;
                }.tdb_header_logo h1{
                  margin: 0;
                  line-height: 0;
                }.tdb_header_logo .tdb-logo-img-wrap img{
                  display: block;
                }.tdb_header_logo .tdb-logo-svg-wrap + .tdb-logo-img-wrap{
                  display: none;
                }.tdb_header_logo .tdb-logo-svg-wrap svg{
                  width: 50px;
                  display: block;
                  transition: fill .3s ease;
                }.tdb_header_logo .tdb-logo-text-wrap{
                  display: flex;
                }.tdb_header_logo .tdb-logo-text-title,
                .tdb_header_logo .tdb-logo-text-tagline{
                  -webkit-transition: all 0.2s ease;
                  transition: all 0.2s ease;
                }.tdb_header_logo .tdb-logo-text-title{
                  background-size: cover;
                  background-position: center center;
                  font-size: 75px;
                  font-family: serif;
                  line-height: 1.1;
                  color: #222;
                  white-space: nowrap;
                }.tdb_header_logo .tdb-logo-text-tagline{
                  margin-top: 2px;
                  font-size: 12px;
                  font-family: serif;
                  letter-spacing: 1.8px;
                  line-height: 1;
                  color: #767676;
                }.tdb_header_logo .tdb-logo-icon{
                  position: relative;
                  font-size: 46px;
                  color: #000;
                }.tdb_header_logo .tdb-logo-icon-svg{
                  line-height: 0;
                }.tdb_header_logo .tdb-logo-icon-svg svg{
                  width: 46px;
                  height: auto;
                }.tdb_header_logo .tdb-logo-icon-svg svg,
                .tdb_header_logo .tdb-logo-icon-svg svg *{
                  fill: #000;
                }.tdi_10 .tdb-logo-a,
                .tdi_10 h1{
                    flex-direction: row;
                
                    align-items: flex-end;
                
                    justify-content: center;
                }.tdi_10 .tdb-logo-svg-wrap{
                    display: block;
                }.tdi_10 .tdb-logo-svg-wrap + .tdb-logo-img-wrap{
                    display: none;
                }.tdi_10 .tdb-logo-img-wrap{
                    margin-top: 0px;
                
                    margin-bottom: 0px;
                
                    margin-right: 5px;
                
                    margin-left: 0px;
                
                    display: block;
                }.tdi_10 .tdb-logo-img-wrap:first-child{
                    margin-top: 0;
                
                    margin-left: 0;
                }.tdi_10 .tdb-logo-img-wrap:last-child{
                    margin-bottom: 0;
                
                    margin-right: 0;
                }.tdi_10 .tdb-logo-text-tagline{
                    margin-top: -2px;
                    margin-left: 0;
                
                    display: block;
                
                    color: #ffffff;
                
                    font-family:Open Sans !important;font-size:12px !important;;
                }.tdi_10 .tdb-logo-text-title{
                    display: block;
                
                    color: #ffffff;
                
                    font-family:Oswald !important;font-size:20px !important;text-transform:uppercase !important;;
                }.tdi_10 .tdb-logo-text-wrap{
                    flex-direction: column;
                
                    align-items: center;
                }.tdi_10 .tdb-logo-icon{
                    top: 0px;
                
                    display: block;
                }@media (max-width: 767px) {
                  .tdb_header_logo .tdb-logo-text-title {
                    font-size: 36px;
                  }
                }@media (max-width: 767px) {
                  .tdb_header_logo .tdb-logo-text-tagline {
                    font-size: 11px;
                  }
                }

/* phone */
@media (max-width: 767px){
.tdi_10 .tdb-logo-text-tagline{
                    font-family:Open Sans !important;font-size:11px !important;;
                }
}
</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://modernbusinessinternational.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">Modern</span><span class="tdb-logo-text-tagline">Business International</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_12  wpb_column vc_column_container tdc-column td-pb-span4">
<style scoped>

/* custom css */
.tdi_12{
                    vertical-align: baseline;
                }.tdi_12 > .wpb_wrapper,
				.tdi_12 > .wpb_wrapper > .tdc-elements{
				    display: block;
				}.tdi_12 > .wpb_wrapper > .tdc-elements{
				    width: 100%;
				}.tdi_12 > .wpb_wrapper > .vc_row_inner{
				    width: auto;
				}.tdi_12 > .wpb_wrapper{
				    width: auto;
				    height: auto;
				}

/* phone */
@media (max-width: 767px){
.tdi_12{
                    vertical-align: middle;
                }
}
/* inline tdc_css att */

/* phone */
@media (max-width: 767px)
{
.tdi_12{
width:20% !important;
display:inline-block !important;
}
}

</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_13 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_13" >
<style>

/* inline tdc_css att */

/* phone */
@media (max-width: 767px)
{
.tdi_13{
margin-right:-19px !important;
margin-bottom:0px !important;
}
}

</style>
<style>
/* custom css */
.tdb_mobile_search{
                  margin-bottom: 0;
                  clear: none;
                }.tdb_mobile_search a{
                  display: inline-block !important;
                  position: relative;
                  text-align: center;
                  color: #4db2ec;
                }.tdb_mobile_search a > span{
                  display: flex;
                  align-items: center;
                  justify-content: center;
                }.tdb_mobile_search svg{
                  height: auto;
                }.tdb_mobile_search svg,
                .tdb_mobile_search svg *{
                  fill: #4db2ec;
                }#tdc-live-iframe .tdb_mobile_search a{
                  pointer-events: none;
                }.td-search-opened{
                  overflow: hidden;
                }.td-search-opened #td-outer-wrap{
                  position: static;
                }.td-search-opened .td-search-wrap-mob{
                  position: fixed;
                }.tdi_13{
                    display: inline-block;
                
                    float: right;
                    clear: none;
                }.tdi_13 .tdb-header-search-button-mob i{
                    font-size: 22px;
                
                    width: 55px;
					height: 55px;
					line-height:  55px;
                }.tdi_13 .tdb-header-search-button-mob svg{
                    width: 22px;
                }.tdi_13 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{
                    width: 55px;
					height: 55px;
					display: flex;
                    justify-content: center;
                }.tdi_13 .tdb-header-search-button-mob{
                    color: #ffffff;
                }.tdi_13 .tdb-header-search-button-mob svg,
                .tdi_13 .tdb-header-search-button-mob svg *{
                    fill: #ffffff;
                }
</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div><div id="tdi_14" class="tdc-row"><div class="vc_row tdi_15  wpb_row td-pb-row" >
<style scoped>

/* custom css */
.tdi_15,
                .tdi_15 .tdc-columns{
                    min-height: 0;
                }.tdi_15,
				.tdi_15 .tdc-columns{
				    display: block;
				}.tdi_15 .tdc-columns{
				    width: 100%;
				}
/* inline tdc_css att */

/* phone */
@media (max-width: 767px)
{
.tdi_15{
padding-top:32px !important;
}
}

</style><div class="vc_column tdi_17  wpb_column vc_column_container tdc-column td-pb-span12">
<style scoped>

/* custom css */
.tdi_17{
                    vertical-align: baseline;
                }.tdi_17 > .wpb_wrapper,
				.tdi_17 > .wpb_wrapper > .tdc-elements{
				    display: block;
				}.tdi_17 > .wpb_wrapper > .tdc-elements{
				    width: 100%;
				}.tdi_17 > .wpb_wrapper > .vc_row_inner{
				    width: auto;
				}.tdi_17 > .wpb_wrapper{
				    width: auto;
				    height: auto;
				}
</style><div class="wpb_wrapper" ><div class="td_block_wrap td-a-rec td-a-rec-id-custom-spot td-a-rec-img tdi_18 td_block_template_1">
<style>

/* inline tdc_css att */

/* phone */
@media (max-width: 767px)
{
.tdi_18{
margin-bottom:0px !important;
}
}

</style>
<style>
/* custom css */
.tdi_18.td-a-rec{
					text-align: center;
				}.tdi_18 .td-element-style{
					z-index: -1;
				}.tdi_18 .td-spot-id-spot_img_hidden{
                    display: none;
                }.tdi_18 .td-adspot-title{
                    display: block;
                }.tdi_18.td-a-rec-img{
				    text-align: left;
				}.tdi_18.td-a-rec-img img{
                    margin: 0 auto 0 0;
                }@media (max-width: 767px) {
				    .tdi_18.td-a-rec-img {
				        text-align: center;
				    }
                }
</style><div style="display: inline-block"><a href="https://interplasuk.com/index/registration%20" target="blank"  rel="noopener"  class="td_spot_img_all"><img src="https://modernbusinessinternational.com/wp-content/uploads/2023/08/Leaderboard_RegisterNow_728-x-90-1.png"  alt="spot_img" width="728"  height="90"  /></a></div></div></div></div></div></div></div></div>                </div>
                                <div class="td-header-mobile-sticky-wrap tdc-zone-sticky-invisible tdc-zone-sticky-inactive" style="display: none">
                    <div id="tdi_19" class="tdc-zone"><div class="tdc_zone tdi_20  wpb_row td-pb-row tdc-element-style" data-sticky-offset="0" >
<style scoped>

/* custom css */
.tdi_20{
                    min-height: 0;
                }.td-header-mobile-sticky-wrap.td-header-active{
                    opacity: 1;
                }.td-header-mobile-sticky-wrap{
                    -webkit-transition: all 0.3s ease-in-out;
                    -moz-transition: all 0.3s ease-in-out;
                    -o-transition: all 0.3s ease-in-out;
                    transition: all 0.3s ease-in-out;
                }

/* phone */
@media (max-width: 767px){
.tdi_20:before{
                    content: '';
                    display: block;
                    width: 100vw;
                    height: 100%;
                    position: absolute;
                    left: 50%;
                    transform: translateX(-50%);
                    box-shadow:  0px 6px 8px 0px rgba(0, 0, 0, 0.08);
                    z-index: 20;
                    pointer-events: none;
                }.td-header-mobile-sticky-wrap{
                    transform: translateY(-120%);
                    -webkit-transform: translateY(-120%);
                    -moz-transform: translateY(-120%);
                    -ms-transform: translateY(-120%);
                    -o-transform: translateY(-120%);
                }.td-header-mobile-sticky-wrap.td-header-active{
                    transform: translateY(0);
                    -webkit-transform: translateY(0);
                    -moz-transform: translateY(0);
                    -ms-transform: translateY(0);
                    -o-transform: translateY(0);
                }@media (max-width: 767px) {
                    .tdi_20:before {
                        width: 100%;
                    }
                }
}
/* inline tdc_css att */

/* phone */
@media (max-width: 767px)
{
.tdi_20{
position:relative;
}
}

</style>
<div class="tdi_19_rand_style td-element-style" ><style>
/* phone */
@media (max-width: 767px)
{
.tdi_19_rand_style{
background-color:#ea2e2e !important;
}
}
 </style></div><div id="tdi_21" class="tdc-row"><div class="vc_row tdi_22  wpb_row td-pb-row" >
<style scoped>

/* custom css */
.tdi_22,
                .tdi_22 .tdc-columns{
                    min-height: 0;
                }.tdi_22,
				.tdi_22 .tdc-columns{
				    display: block;
				}.tdi_22 .tdc-columns{
				    width: 100%;
				}

/* phone */
@media (max-width: 767px){
@media (min-width: 768px) {
	                .tdi_22 {
	                    margin-left: -0px;
	                    margin-right: -0px;
	                }
	                .tdi_22 .tdc-row-video-background-error,
	                .tdi_22 .vc_column {
	                    padding-left: 0px;
	                    padding-right: 0px;
	                }
                }
}
</style><div class="vc_column tdi_24  wpb_column vc_column_container tdc-column td-pb-span4">
<style scoped>

/* custom css */
.tdi_24{
                    vertical-align: baseline;
                }.tdi_24 > .wpb_wrapper,
				.tdi_24 > .wpb_wrapper > .tdc-elements{
				    display: block;
				}.tdi_24 > .wpb_wrapper > .tdc-elements{
				    width: 100%;
				}.tdi_24 > .wpb_wrapper > .vc_row_inner{
				    width: auto;
				}.tdi_24 > .wpb_wrapper{
				    width: auto;
				    height: auto;
				}

/* phone */
@media (max-width: 767px){
.tdi_24{
                    vertical-align: middle;
                }
}
/* inline tdc_css att */

/* phone */
@media (max-width: 767px)
{
.tdi_24{
width:20% !important;
display:inline-block !important;
}
}

</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_menu tdi_25 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_25" >
<style>

/* inline tdc_css att */

/* phone */
@media (max-width: 767px)
{
.tdi_25{
margin-left:-13px !important;
}
}

</style>
<style>
/* custom css */
.tdi_25{
                    display: inline-block;
                }.tdi_25 .tdb-mobile-menu-button i{
                    font-size: 22px;
                
                    width: 55px;
					height: 55px;
					line-height:  55px;
                }.tdi_25 .tdb-mobile-menu-button svg{
                    width: 22px;
                }.tdi_25 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{
                    width: 55px;
					height: 55px;
                }.tdi_25 .tdb-mobile-menu-button{
                    color: #ffffff;
                }.tdi_25 .tdb-mobile-menu-button svg,
                .tdi_25 .tdb-mobile-menu-button svg *{
                    fill: #ffffff;
                }

/* phone */
@media (max-width: 767px){
.tdi_25 .tdb-mobile-menu-button i{
                    font-size: 27px;
                
                    width: 54px;
					height: 54px;
					line-height:  54px;
                }.tdi_25 .tdb-mobile-menu-button svg{
                    width: 27px;
                }.tdi_25 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{
                    width: 54px;
					height: 54px;
                }
}
</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_27  wpb_column vc_column_container tdc-column td-pb-span4">
<style scoped>

/* custom css */
.tdi_27{
                    vertical-align: baseline;
                }.tdi_27 > .wpb_wrapper,
				.tdi_27 > .wpb_wrapper > .tdc-elements{
				    display: block;
				}.tdi_27 > .wpb_wrapper > .tdc-elements{
				    width: 100%;
				}.tdi_27 > .wpb_wrapper > .vc_row_inner{
				    width: auto;
				}.tdi_27 > .wpb_wrapper{
				    width: auto;
				    height: auto;
				}

/* phone */
@media (max-width: 767px){
.tdi_27{
                    vertical-align: middle;
                }
}
/* inline tdc_css att */

/* phone */
@media (max-width: 767px)
{
.tdi_27{
width:60% !important;
display:inline-block !important;
}
}

</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_28 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_28" >
<style>
/* custom css */
.tdi_28 .tdb-logo-a,
                .tdi_28 h1{
                    flex-direction: row;
                
                    align-items: flex-end;
                
                    justify-content: center;
                }.tdi_28 .tdb-logo-svg-wrap{
                    display: block;
                }.tdi_28 .tdb-logo-svg-wrap + .tdb-logo-img-wrap{
                    display: none;
                }.tdi_28 .tdb-logo-img-wrap{
                    margin-top: 0px;
                
                    margin-bottom: 0px;
                
                    margin-right: 5px;
                
                    margin-left: 0px;
                
                    display: block;
                }.tdi_28 .tdb-logo-img-wrap:first-child{
                    margin-top: 0;
                
                    margin-left: 0;
                }.tdi_28 .tdb-logo-img-wrap:last-child{
                    margin-bottom: 0;
                
                    margin-right: 0;
                }.tdi_28 .tdb-logo-text-tagline{
                    margin-top: -2px;
                    margin-left: 0;
                
                    display: block;
                
                    color: #ffffff;
                
                    font-family:Open Sans !important;font-size:12px !important;;
                }.tdi_28 .tdb-logo-text-title{
                    display: block;
                
                    color: #ffffff;
                
                    font-family:Oswald !important;font-size:20px !important;text-transform:uppercase !important;;
                }.tdi_28 .tdb-logo-text-wrap{
                    flex-direction: column;
                
                    align-items: center;
                }.tdi_28 .tdb-logo-icon{
                    top: 0px;
                
                    display: block;
                }

/* phone */
@media (max-width: 767px){
.tdi_28 .tdb-logo-text-tagline{
                    font-family:Open Sans !important;font-size:11px !important;;
                }
}
</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://modernbusinessinternational.com/"><span class="tdb-logo-img-wrap"><img class="tdb-logo-img" src="https://modernbusinessinternational.com/wp-content/uploads/2023/08/header_logo_small-2.png" alt="Logo"  title=""  width="36" height="34" /></span><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">Modern</span><span class="tdb-logo-text-tagline">Business International</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_30  wpb_column vc_column_container tdc-column td-pb-span4">
<style scoped>

/* custom css */
.tdi_30{
                    vertical-align: baseline;
                }.tdi_30 > .wpb_wrapper,
				.tdi_30 > .wpb_wrapper > .tdc-elements{
				    display: block;
				}.tdi_30 > .wpb_wrapper > .tdc-elements{
				    width: 100%;
				}.tdi_30 > .wpb_wrapper > .vc_row_inner{
				    width: auto;
				}.tdi_30 > .wpb_wrapper{
				    width: auto;
				    height: auto;
				}

/* phone */
@media (max-width: 767px){
.tdi_30{
                    vertical-align: middle;
                }
}
/* inline tdc_css att */

/* phone */
@media (max-width: 767px)
{
.tdi_30{
width:20% !important;
display:inline-block !important;
}
}

</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_31 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_31" >
<style>

/* inline tdc_css att */

/* phone */
@media (max-width: 767px)
{
.tdi_31{
margin-right:-19px !important;
margin-bottom:0px !important;
}
}

</style>
<style>
/* custom css */
.tdi_31{
                    display: inline-block;
                
                    float: right;
                    clear: none;
                }.tdi_31 .tdb-header-search-button-mob i{
                    font-size: 22px;
                
                    width: 55px;
					height: 55px;
					line-height:  55px;
                }.tdi_31 .tdb-header-search-button-mob svg{
                    width: 22px;
                }.tdi_31 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{
                    width: 55px;
					height: 55px;
					display: flex;
                    justify-content: center;
                }.tdi_31 .tdb-header-search-button-mob{
                    color: #ffffff;
                }.tdi_31 .tdb-header-search-button-mob svg,
                .tdi_31 .tdb-header-search-button-mob svg *{
                    fill: #ffffff;
                }
</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div></div></div>                </div>
                
                <div class="td-header-desktop-wrap ">
                    <!-- LOGIN MODAL -->

                <div id="login-form" class="white-popup-block mfp-hide mfp-with-anim td-login-modal-wrap">
                    <div class="td-login-wrap">
                        <a href="#" aria-label="Back" class="td-back-button"><i class="td-icon-modal-back"></i></a>
                        <div id="td-login-div" class="td-login-form-div td-display-block">
                            <div class="td-login-panel-title">Sign in</div>
                            <div class="td-login-panel-descr">Welcome! Log into your account</div>
                            <div class="td_display_err"></div>
                            <form id="loginForm" action="#" method="post">
                                <div class="td-login-inputs"><input class="td-login-input" autocomplete="username" type="text" name="login_email" id="login_email" value="" required><label for="login_email">your username</label></div>
                                <div class="td-login-inputs"><input class="td-login-input" autocomplete="current-password" type="password" name="login_pass" id="login_pass" value="" required><label for="login_pass">your password</label></div>
                                <input type="button"  name="login_button" id="login_button" class="wpb_button btn td-login-button" value="Login">
                                
                            </form>

                            

                            <div class="td-login-info-text"><a href="#" id="forgot-pass-link">Forgot your password? Get help</a></div>
                            
                            
                            
                            
                        </div>

                        

                         <div id="td-forgot-pass-div" class="td-login-form-div td-display-none">
                            <div class="td-login-panel-title">Password recovery</div>
                            <div class="td-login-panel-descr">Recover your password</div>
                            <div class="td_display_err"></div>
                            <form id="forgotpassForm" action="#" method="post">
                                <div class="td-login-inputs"><input class="td-login-input" type="text" name="forgot_email" id="forgot_email" value="" required><label for="forgot_email">your email</label></div>
                                <input type="button" name="forgot_button" id="forgot_button" class="wpb_button btn td-login-button" value="Send My Password">
                            </form>
                            <div class="td-login-info-text">A password will be e-mailed to you.</div>
                        </div>
                        
                        
                    </div>
                </div>
                <div id="tdi_32" class="tdc-zone"><div class="tdc_zone tdi_33  wpb_row td-pb-row tdc-element-style"  >
<style scoped>

/* custom css */
.tdi_33{
                    min-height: 0;
                }.td-header-desktop-wrap{
                    position: relative;
                }
/* inline tdc_css att */

.tdi_33{
margin-bottom:48px !important;
position:relative;
}

/* landscape */
@media (min-width: 1019px) and (max-width: 1140px)
{
.tdi_33{
margin-bottom:43px !important;
}
}

/* portrait */
@media (min-width: 768px) and (max-width: 1018px)
{
.tdi_33{
margin-bottom:38px !important;
}
}

</style>
<div class="tdi_32_rand_style td-element-style" ><style>
.tdi_32_rand_style{
background-color:#ffffff !important;
}
 </style></div><div id="tdi_34" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_35  wpb_row td-pb-row tdc-element-style tdc-row-content-vert-center" >
<style scoped>

/* custom css */
.tdi_35,
                .tdi_35 .tdc-columns{
                    min-height: 0;
                }.tdi_35,
				.tdi_35 .tdc-columns{
				    display: block;
				}.tdi_35 .tdc-columns{
				    width: 100%;
				}@media (min-width: 768px) {
	                .tdi_35 {
	                    margin-left: -0px;
	                    margin-right: -0px;
	                }
	                .tdi_35 .tdc-row-video-background-error,
	                .tdi_35 .vc_column {
	                    padding-left: 0px;
	                    padding-right: 0px;
	                }
                }@media (min-width: 767px) {
                    .tdi_35.tdc-row-content-vert-center,
                    .tdi_35.tdc-row-content-vert-center .tdc-columns {
                        display: flex;
                        align-items: center;
                        flex: 1;
                    }
                    .tdi_35.tdc-row-content-vert-bottom,
                    .tdi_35.tdc-row-content-vert-bottom .tdc-columns {
                        display: flex;
                        align-items: flex-end;
                        flex: 1;
                    }
                    .tdi_35.tdc-row-content-vert-center .td_block_wrap {
                        vertical-align: middle;
                    }
                    .tdi_35.tdc-row-content-vert-bottom .td_block_wrap {
                        vertical-align: bottom;
                    }
                }
/* inline tdc_css att */

.tdi_35{
padding-top:2px !important;
padding-bottom:2px !important;
position:relative;
}

.tdi_35 .td_block_wrap{ text-align:left }

/* portrait */
@media (min-width: 768px) and (max-width: 1018px)
{
.tdi_35{
padding-right:14px !important;
padding-left:14px !important;
}
}

</style>
<div class="tdi_34_rand_style td-element-style" ><style>
.tdi_34_rand_style{
background-color:#174970 !important;
}
 </style></div><div class="vc_column tdi_37  wpb_column vc_column_container tdc-column td-pb-span9">
<style scoped>

/* custom css */
.tdi_37{
                    vertical-align: baseline;
                }.tdi_37 > .wpb_wrapper,
				.tdi_37 > .wpb_wrapper > .tdc-elements{
				    display: block;
				}.tdi_37 > .wpb_wrapper > .tdc-elements{
				    width: 100%;
				}.tdi_37 > .wpb_wrapper > .vc_row_inner{
				    width: auto;
				}.tdi_37 > .wpb_wrapper{
				    width: auto;
				    height: auto;
				}
/* inline tdc_css att */

.tdi_37{
width:80% !important;
}

</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_date tdi_38 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_38" >
<style>

/* inline tdc_css att */

.tdi_38{
margin-top:-1px !important;
margin-right:32px !important;
}

</style>
<style>
/* custom css */
.tdb_header_date{
                  margin-bottom: 0;
                  clear: none;
                }.tdb_header_date .tdb-block-inner{
                  display: flex;
                  align-items: baseline;
                }.tdb_header_date .tdb-head-date-txt{
                  font-family: 'Open Sans', 'Open Sans Regular', sans-serif;
                  font-size: 11px;
                  line-height: 1;
                  color: #000;
                }.tdi_38{
                    display: inline-block;
                }.tdi_38 .tdb-head-date-txt{
                    color: #ffffff;
                
                    font-family:Roboto Condensed !important;font-size:13px !important;line-height:36px !important;text-transform:uppercase !important;
                }

/* portrait */
@media (min-width: 768px) and (max-width: 1018px){
.tdi_38 .tdb-head-date-txt{
                    font-family:Roboto Condensed !important;font-size:12px !important;line-height:36px !important;text-transform:uppercase !important;
                }
}
</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Saturday, June 14, 2025</div></div></div> <!-- ./block -->

<script>

var tdb_login_sing_in_shortcode="on";

</script>

<div class="td_block_wrap tdb_header_user tdi_39 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_39" >
<style>

/* inline tdc_css att */

.tdi_39{
margin-top:-1px !important;
}

</style>
<style>
/* custom css */
.tdb_header_user{
                  margin-bottom: 0;
                  clear: none;
                }.tdb_header_user .tdb-block-inner{
                  display: flex;
                  align-items: center;
                }.tdb_header_user .tdb-head-usr-item{
                  font-family: 'Open Sans', 'Open Sans Regular', sans-serif;
                  font-size: 11px;
                  line-height: 1;
                  color: #000;
                }.tdb_header_user .tdb-head-usr-item:hover{
                  color: #4db2ec;
                }.tdb_header_user .tdb-head-usr-avatar{
                  position: relative;
                  width: 20px;
                  height: 0;
                  padding-bottom: 20px;
                  margin-right: 6px;
                  background-size: cover;
                  background-position: center center;
                }.tdb_header_user .tdb-head-usr-name{
                  margin-right: 16px;
                  font-weight: 700;
                }.tdb_header_user .tdb-head-usr-log{
                  display: flex;
                  align-items: center;
                }.tdb_header_user .tdb-head-usr-log i{
                  font-size: 10px;
                }.tdb_header_user .tdb-head-usr-log-icon{
                  position: relative;
                }.tdb_header_user .tdb-head-usr-log-icon-svg{
                  line-height: 0;
                }.tdb_header_user .tdb-head-usr-log-icon-svg svg{
                  width: 10px;
                  height: auto;
                }.tdi_39{
                    display: inline-block;
                }.tdi_39 .tdb-head-usr-log .tdb-head-usr-log-icon{
                    margin-right: 2px;
                
                    top: 0px;
                }.tdi_39 .tdb-head-usr-name{
                    color: #ffffff;
                
                    font-family:Roboto Condensed !important;font-size:13px !important;line-height:36px !important;text-transform:uppercase !important;
                }.tdi_39 .tdb-head-usr-name:hover{
                    color: #ea2e2e;
                }.tdi_39 .tdb-head-usr-log{
                    color: #ffffff;
                
                    font-family:Roboto Condensed !important;font-size:13px !important;line-height:36px !important;text-transform:uppercase !important;
                }.tdi_39 .tdb-head-usr-log-icon-svg svg,
                .tdi_39 .tdb-head-usr-log-icon-svg svg *{
                    fill: #ffffff;
                
                    fill: #ffffff;
                }.tdi_39 .tdb-head-usr-log:hover{
                    color: #ea2e2e;
                }.tdi_39 .tdb-head-usr-log:hover svg,
                .tdi_39 .tdb-head-usr-log:hover svg *{
                    fill: #ea2e2e;
                
                    fill: #ea2e2e;
                }.tdi_39 .tdb-head-usr-log i{
                    color: #ffffff;
                }.tdi_39 .tdb-head-usr-log:hover i{
                    color: #ea2e2e;
                }

/* portrait */
@media (min-width: 768px) and (max-width: 1018px){
.tdi_39 .tdb-head-usr-name{
                    font-family:Roboto Condensed !important;font-size:12px !important;line-height:36px !important;text-transform:uppercase !important;
                }.tdi_39 .tdb-head-usr-log{
                    font-family:Roboto Condensed !important;font-size:12px !important;line-height:36px !important;text-transform:uppercase !important;
                }
}
</style><div class="tdb-block-inner td-fix-index"><a class="td-login-modal-js tdb-head-usr-item tdb-head-usr-log" href="#login-form" data-effect="mpf-td-login-effect"><span class="tdb-head-usr-log-txt">Sign in / Join</span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_41  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>

/* custom css */
.tdi_41{
                    vertical-align: baseline;
                }.tdi_41 > .wpb_wrapper,
				.tdi_41 > .wpb_wrapper > .tdc-elements{
				    display: block;
				}.tdi_41 > .wpb_wrapper > .tdc-elements{
				    width: 100%;
				}.tdi_41 > .wpb_wrapper > .vc_row_inner{
				    width: auto;
				}.tdi_41 > .wpb_wrapper{
				    width: auto;
				    height: auto;
				}
/* inline tdc_css att */

.tdi_41{
width:20% !important;
justify-content:flex-end !important;
text-align:right !important;
}

</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_search tdi_42 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_42" >
<style>
/* custom css */
.tdb_module_header{
                  width: 100%;
                  padding-bottom: 0;
                }.tdb_module_header .td-module-container{
                  display: flex;
                  flex-direction: column;
                  position: relative;
                }.tdb_module_header .td-module-container:before{
                  content: '';
                  position: absolute;
                  bottom: 0;
                  left: 0;
                  width: 100%;
                  height: 1px;
                }.tdb_module_header .td-image-wrap{
                  display: block;
                  position: relative;
                  padding-bottom: 70%;
                }.tdb_module_header .td-image-container{
                  position: relative;
                  width: 100%;
                  flex: 0 0 auto;
                }.tdb_module_header .td-module-thumb{
                  margin-bottom: 0;
                }.tdb_module_header .td-module-meta-info{
                  width: 100%;
                  margin-bottom: 0;
                  padding: 7px 0 0 0;
                  z-index: 1;
                  border: 0 solid #eaeaea;
                  min-height: 0;
                }.tdb_module_header .entry-title{
                  margin: 0;
                  font-size: 13px;
                  font-weight: 500;
                  line-height: 18px;
                }.tdb_module_header .td-post-author-name,
                .tdb_module_header .td-post-date,
                .tdb_module_header .td-module-comments{
                  vertical-align: text-top;
                }.tdb_module_header .td-post-author-name,
                .tdb_module_header .td-post-date{
                  top: 3px;
                }.tdb_module_header .td-thumb-css{
                  width: 100%;
                  height: 100%;
                  position: absolute;
                  background-size: cover;
                  background-position: center center;
                }.tdb_module_header .td-category-pos-image .td-post-category:not(.td-post-extra-category),
                .tdb_module_header .td-post-vid-time{
                  position: absolute;
                  z-index: 2;
                  bottom: 0;
                }.tdb_module_header .td-category-pos-image .td-post-category:not(.td-post-extra-category){
                  left: 0;
                }.tdb_module_header .td-post-vid-time{
                  right: 0;
                  background-color: #000;
                  padding: 3px 6px 4px;
                  font-family: 'Open Sans', 'Open Sans Regular', sans-serif;
                  font-size: 10px;
                  font-weight: 600;
                  line-height: 1;
                  color: #fff;
                }.tdb_module_header .td-excerpt{
                  margin: 20px 0 0;
                  line-height: 21px;
                }.tdb_module_header .td-read-more{
                  margin: 20px 0 0;
                }.tdb_module_search .tdb-author-photo{
                  display: inline-block;
                }.tdb_module_search .tdb-author-photo,
                .tdb_module_search .tdb-author-photo img{
                  vertical-align: middle;
                }.tdb_module_search .td-post-author-name{
                  white-space: normal;
                }.tdb_header_search{
                  margin-bottom: 0;
                  clear: none;
                }.tdb_header_search .tdb-block-inner{
                  position: relative;
                  display: inline-block;
                  width: 100%;
                }.tdb_header_search .tdb-search-form{
                  position: relative;
                  padding: 20px;
                  border-width: 3px 0 0;
                  border-style: solid;
                  border-color: #4db2ec;
                  pointer-events: auto;
                }.tdb_header_search .tdb-search-form:before{
                  content: '';
                  position: absolute;
                  top: 0;
                  left: 0;
                  width: 100%;
                  height: 100%;
                  background-color: #fff;
                }.tdb_header_search .tdb-search-form-inner{
                  position: relative;
                  display: flex;
                  background-color: #fff;
                }.tdb_header_search .tdb-search-form-inner:after{
                  content: '';
                  position: absolute;
                  top: 0;
                  left: 0;
                  width: 100%;
                  height: 100%;
                  border: 1px solid #e1e1e1;
                  pointer-events: none;
                }.tdb_header_search .tdb-head-search-placeholder{
                  position: absolute;
                  top: 50%;
                  transform: translateY(-50%);
                  padding: 3px 9px;
                  font-size: 12px;
                  line-height: 21px;
                  color: #999;
                  -webkit-transition: all 0.3s ease;
                  transition: all 0.3s ease;
                  pointer-events: none;
                }.tdb_header_search .tdb-head-search-form-input:focus + .tdb-head-search-placeholder,
                .tdb-head-search-form-input:not(:placeholder-shown) ~ .tdb-head-search-placeholder{
                  opacity: 0;
                }.tdb_header_search .tdb-head-search-form-btn,
                .tdb_header_search .tdb-head-search-form-input{
                  height: auto;
                  min-height: 32px;
                }.tdb_header_search .tdb-head-search-form-input{
                  color: #444;
                  flex: 1;
                  background-color: transparent;
                  border: 0;
                }.tdb_header_search .tdb-head-search-form-input.tdb-head-search-nofocus{
                  color: transparent;
                  text-shadow: 0 0 0 #444;
                }.tdb_header_search .tdb-head-search-form-btn{
                  margin-bottom: 0;
                  padding: 0 15px;
                  background-color: #222222;
                  font-family: 'Roboto', sans-serif;
                  font-size: 13px;
                  font-weight: 500;
                  color: #fff;
                  -webkit-transition: all 0.3s ease;
                  transition: all 0.3s ease;
                  z-index: 1;
                }.tdb_header_search .tdb-head-search-form-btn:hover{
                  background-color: #4db2ec;
                }.tdb_header_search .tdb-head-search-form-btn i,
                .tdb_header_search .tdb-head-search-form-btn span{
                  display: inline-block;
                  vertical-align: middle;
                }.tdb_header_search .tdb-head-search-form-btn i{
                  font-size: 12px;
                }.tdb_header_search .tdb-head-search-form-btn .tdb-head-search-form-btn-icon{
                  position: relative;
                }.tdb_header_search .tdb-head-search-form-btn .tdb-head-search-form-btn-icon-svg{
                  line-height: 0;
                }.tdb_header_search .tdb-head-search-form-btn svg{
                  width: 12px;
                  height: auto;
                }.tdb_header_search .tdb-head-search-form-btn svg,
                .tdb_header_search .tdb-head-search-form-btn svg *{
                  fill: #fff;
                  -webkit-transition: all 0.3s ease;
                  transition: all 0.3s ease;
                }.tdb_header_search .tdb-aj-search-results{
                  padding: 20px;
                  background-color: rgba(144, 144, 144, 0.02);
                  border-width: 1px 0;
                  border-style: solid;
                  border-color: #ededed;
                  background-color: #fff;
                }.tdb_header_search .tdb-aj-search-results .td_module_wrap:last-child{
                  margin-bottom: 0;
                  padding-bottom: 0;
                }.tdb_header_search .tdb-aj-search-results .td_module_wrap:last-child .td-module-container:before{
                  display: none;
                }.tdb_header_search .tdb-aj-search-inner{
                  display: flex;
                  flex-wrap: wrap;
                  *zoom: 1;
                }.tdb_header_search .tdb-aj-search-inner:before,
                .tdb_header_search .tdb-aj-search-inner:after{
                  display: table;
                  content: '';
                  line-height: 0;
                }.tdb_header_search .tdb-aj-search-inner:after{
                  clear: both;
                }.tdb_header_search .result-msg{
                  padding: 4px 0 6px 0;
                  font-family: 'Roboto', sans-serif;
                  font-size: 12px;
                  font-style: italic;
                  background-color: #fff;
                }.tdb_header_search .result-msg a{
                  color: #222;
                }.tdb_header_search .result-msg a:hover{
                  color: #4db2ec;
                }.tdb_header_search .td-module-meta-info,
                .tdb_header_search .td-next-prev-wrap{
                  text-align: left;
                }.tdb_header_search .td_module_wrap:hover .entry-title a{
                  color: #4db2ec;
                }.tdb_header_search .tdb-aj-cur-element .entry-title a{
                  color: #4db2ec;
                }.tdc-dragged .tdb-head-search-btn:after,
                .tdc-dragged .tdb-drop-down-search{
                  visibility: hidden !important;
                  opacity: 0 !important;
                  -webkit-transition: all 0.3s ease;
                  transition: all 0.3s ease;
                }.tdb-header-search-trigger-enabled{
                  z-index: 1000;
                }.tdb-header-search-trigger-enabled .tdb-head-search-btn{
                  display: flex;
                  align-items: center;
                  position: relative;
                  text-align: center;
                  color: #4db2ec;
                }.tdb-header-search-trigger-enabled .tdb-head-search-btn:after{
                  visibility: hidden;
                  opacity: 0;
                  content: '';
                  display: block;
                  position: absolute;
                  bottom: 0;
                  left: 0;
                  right: 0;
                  margin: 0 auto;
                  width: 0;
                  height: 0;
                  border-style: solid;
                  border-width: 0 6.5px 7px 6.5px;
                  -webkit-transform: translate3d(0, 20px, 0);
                  transform: translate3d(0, 20px, 0);
                  -webkit-transition: all 0.4s ease;
                  transition: all 0.4s ease;
                  border-color: transparent transparent #4db2ec transparent;
                }.tdb-header-search-trigger-enabled .tdb-drop-down-search-open + .tdb-head-search-btn:after{
                  visibility: visible;
                  opacity: 1;
                  -webkit-transform: translate3d(0, 0, 0);
                  transform: translate3d(0, 0, 0);
                }.tdb-header-search-trigger-enabled .tdb-search-icon,
                .tdb-header-search-trigger-enabled .tdb-search-txt,
                .tdb-header-search-trigger-enabled .tdb-search-icon-svg svg *{
                  -webkit-transition: all 0.3s ease-in-out;
                  transition: all 0.3s ease-in-out;
                }.tdb-header-search-trigger-enabled .tdb-search-icon-svg{
                  display: flex;
                  align-items: center;
                  justify-content: center;
                }.tdb-header-search-trigger-enabled .tdb-search-icon-svg svg{
                  height: auto;
                }.tdb-header-search-trigger-enabled .tdb-search-icon-svg svg,
                .tdb-header-search-trigger-enabled .tdb-search-icon-svg svg *{
                  fill: #4db2ec;
                }.tdb-header-search-trigger-enabled .tdb-search-txt{
                  position: relative;
                  line-height: 1;
                }.tdb-header-search-trigger-enabled .tdb-drop-down-search{
                  visibility: hidden;
                  opacity: 0;
                  position: absolute;
                  top: 100%;
                  left: 0;
                  -webkit-transform: translate3d(0, 20px, 0);
                  transform: translate3d(0, 20px, 0);
                  -webkit-transition: all 0.4s ease;
                  transition: all 0.4s ease;
                  pointer-events: none;
                  z-index: 10;
                }.tdb-header-search-trigger-enabled .tdb-drop-down-search-open{
                  visibility: visible;
                  opacity: 1;
                  -webkit-transform: translate3d(0, 0, 0);
                  transform: translate3d(0, 0, 0);
                }.tdb-header-search-trigger-enabled .tdb-drop-down-search-inner{
                  position: relative;
                  max-width: 300px;
                  pointer-events: all;
                }.rtl .tdb-header-search-trigger-enabled .tdb-drop-down-search-inner{
                  margin-left: 0;
                  margin-right: auto;
                }.tdb_header_search .tdb-aj-srs-title{
                    margin-bottom: 10px;
                    font-family: 'Roboto', sans-serif;
                    font-weight: 500;
                    font-size: 13px;
                    line-height: 1.3;
                    color: #888;
                }.tdb_header_search .tdb-aj-sr-taxonomies{
                    display: flex;
                    flex-direction: column;
                }.tdb_header_search .tdb-aj-sr-taxonomy{
                    font-family: 'Roboto', sans-serif;
                    font-size: 13px;
                    font-weight: 500;
                    line-height: 18px;
                    color: #111;
                }.tdb_header_search .tdb-aj-sr-taxonomy:not(:last-child){
                    margin-bottom: 5px;
                }.tdb_header_search .tdb-aj-sr-taxonomy:hover{
                    color: #4db2ec;
                }.tdi_42 .tdb-head-search-btn i{
                    font-size: 13px;
                
                    width: 31.2px;
					height: 31.2px;
					line-height:  31.2px;
                
                    color: #ffffff;
                }.tdi_42 .tdb-head-search-btn svg{
                    width: 13px;
                }.tdi_42 .tdb-search-icon-svg{
                    width: 31.2px;
					height: 31.2px;
                }.tdi_42{
                    display: inline-block;
                
                    float: right;
                    clear: none;
                }.tdi_42 .tdb-search-txt{
                    top: 0px;
                }.tdi_42 .tdb-drop-down-search{
                    top: calc(100% + 1px);
                
                    left: auto;
                    right: 0;
                }.tdi_42 .tdb-head-search-btn:after{
                    bottom: -1px;
                
                    border-bottom-color: rgba(234,46,46,0);
                }body .tdi_42 .tdb-drop-down-search-inner,
                .tdi_42 .tdb-search-form,
                .tdi_42 .tdb-aj-search{
                    margin-left: auto;
                    margin-right: 0;
                }.tdi_42 .tdb-head-search-form-btn-icon{
                    top: 0px;
                }.tdi_42 .result-msg{
                    text-align: center;
                }.tdi_42 .tdb-head-search-btn svg,
                .tdi_42 .tdb-head-search-btn svg *{
                    fill: #ffffff;
                }.tdi_42 .tdb-head-search-btn:hover i{
                    color: #ea2e2e;
                }.tdi_42 .tdb-head-search-btn:hover svg,
                .tdi_42 .tdb-head-search-btn:hover svg *{
                    fill: #ea2e2e;
                }.tdi_42 .tdb-search-form{
                    border-color: rgba(234,46,46,0);
                }.tdi_42 .tdb-drop-down-search-inner{
                    box-shadow:  0px 2px 6px 0px rgba(0, 0, 0, 0.2);
                }.tdi_42 .tdb-head-search-form-input{
                    color: #dd9933;
                }.tdi_42 .tdb-head-search-form-input.tdb-head-search-nofocus{
                    text-shadow: 0 0 0 #dd9933;
                }.tdi_42 .tdb-head-search-placeholder{
                    color: #8224e3;
                }.tdi_42 .tdb-head-search-form-btn:hover{
                    background-color: #ea2e2e;
                }.tdi_42 .result-msg,
                .tdi_42 .result-msg a{
                    color: #222222;
                }.tdi_42 .result-msg a:hover{
                    color: #ea2e2e;
                }.tdi_42 .td_module_wrap{
					width: 100%;
					float: left;
				
					padding-left: 11px;
					padding-right: 11px;
				
					padding-bottom: 10px;
					margin-bottom: 10px;
				}.tdi_42 .td_module_wrap:nth-last-child(-n+1){
					margin-bottom: 0;
					padding-bottom: 0;
				}.tdi_42 .td_module_wrap:nth-last-child(-n+1) .td-module-container:before{
					display: none;
				}.tdi_42 .tdb-aj-search-inner{
					margin-left: -11px;
					margin-right: -11px;
				}.tdi_42 .td-module-container:before{
					bottom: -10px;
				
					border-color: #eaeaea;
				}.tdi_42 .td-module-container{
				    border-color: #eaeaea;
				
					flex-direction: row;
				}.tdi_42 .entry-thumb{
					background-position: center 50%;
				}.tdi_42 .td-image-container{
				 	flex: 0 0 30%;
				 	width: 30%;
			    
                	display: block; order: 0;
                }.ie10 .tdi_42 .td-image-container,
				.ie11 .tdi_42 .td-image-container{
				 	flex: 0 0 auto;
			    }.ie10 .tdi_42 .td-module-meta-info,
				.ie11 .tdi_42 .td-module-meta-info{
				 	flex: 1;
			    }.tdi_42 .td-post-vid-time{
					display: block;
				}.tdi_42 .td-module-meta-info{
					padding: 2px 0 0 15px;
				
					border-color: #eaeaea;
				}.tdi_42 .entry-title{
					margin: 0 0 5px;
				
					font-family:Roboto Condensed !important;font-weight:500 !important;
				}.tdi_42 .td-excerpt{
					column-count: 1;
				
					column-gap: 48px;
				
					display: none;
				}.tdi_42 .td-post-category:not(.td-post-extra-category){
					display: none;
				}.tdi_42 .td-read-more{
					display: none;
				}.tdi_42 .td-author-date{
					display: inline;
				}.tdi_42 .td-post-author-name{
					display: none;
				}.tdi_42 .entry-review-stars{
					display: none;
				}.tdi_42 .td-icon-star,
                .tdi_42 .td-icon-star-empty,
                .tdi_42 .td-icon-star-half{
					font-size: 15px;
				}.tdi_42 .td-module-comments{
					display: none;
				}.tdi_42 .tdb-author-photo .avatar{
				    width: 20px;
				    height: 20px;
				
				    margin-right: 6px;
				
				    border-radius: 50%;
				}body .tdi_42 .td_module_wrap:hover .td-module-title a,
				.tdi_42 .tdb-aj-cur-element .entry-title a{
					color: #ea2e2e !important;
				}.tdi_42 .td-module-title a{
                    box-shadow: inset 0 0 0 0 #000;
                }@media (min-width: 768px) {
                    .tdi_42 .td-module-title a {
                        transition: all 0.2s ease;
                        -webkit-transition: all 0.2s ease;
                    }
                }

/* landscape */
@media (min-width: 1019px) and (max-width: 1140px){
.tdi_42 .td_module_wrap{
					padding-bottom: 10px !important;
					margin-bottom: 10px !important;
				
					padding-bottom: 10px;
					margin-bottom: 10px;
				}.tdi_42 .td_module_wrap:nth-last-child(-n+1){
					margin-bottom: 0 !important;
					padding-bottom: 0 !important;
				}.tdi_42 .td_module_wrap .td-module-container:before{
					display: block !important;
				}.tdi_42 .td_module_wrap:nth-last-child(-n+1) .td-module-container:before{
					display: none !important;
				}.tdi_42 .td-module-container:before{
					bottom: -10px;
				}.tdi_42 .td-module-title a{
                    box-shadow: inset 0 0 0 0 #000;
                }@media (min-width: 768px) {
                    .tdi_42 .td-module-title a {
                        transition: all 0.2s ease;
                        -webkit-transition: all 0.2s ease;
                    }
                }
}

/* portrait */
@media (min-width: 768px) and (max-width: 1018px){
.tdi_42 .td_module_wrap{
					padding-bottom: 10px !important;
					margin-bottom: 10px !important;
				
					padding-bottom: 10px;
					margin-bottom: 10px;
				}.tdi_42 .td_module_wrap:nth-last-child(-n+1){
					margin-bottom: 0 !important;
					padding-bottom: 0 !important;
				}.tdi_42 .td_module_wrap .td-module-container:before{
					display: block !important;
				}.tdi_42 .td_module_wrap:nth-last-child(-n+1) .td-module-container:before{
					display: none !important;
				}.tdi_42 .td-module-container:before{
					bottom: -10px;
				}.tdi_42 .td-module-title a{
                    box-shadow: inset 0 0 0 0 #000;
                }@media (min-width: 768px) {
                    .tdi_42 .td-module-title a {
                        transition: all 0.2s ease;
                        -webkit-transition: all 0.2s ease;
                    }
                }
}

/* phone */
@media (max-width: 767px){
.tdi_42 .td_module_wrap{
					padding-bottom: 10px !important;
					margin-bottom: 10px !important;
				
					padding-bottom: 10px;
					margin-bottom: 10px;
				}.tdi_42 .td_module_wrap:nth-last-child(-n+1){
					margin-bottom: 0 !important;
					padding-bottom: 0 !important;
				}.tdi_42 .td_module_wrap .td-module-container:before{
					display: block !important;
				}.tdi_42 .td_module_wrap:nth-last-child(-n+1) .td-module-container:before{
					display: none !important;
				}.tdi_42 .td-module-container:before{
					bottom: -10px;
				}.tdi_42 .td-module-title a{
                    box-shadow: inset 0 0 0 0 #000;
                }@media (min-width: 768px) {
                    .tdi_42 .td-module-title a {
                        transition: all 0.2s ease;
                        -webkit-transition: all 0.2s ease;
                    }
                }
}
</style><div class="tdb-block-inner td-fix-index"><div class="tdb-drop-down-search" aria-labelledby="td-header-search-button"><div class="tdb-drop-down-search-inner"><form method="get" class="tdb-search-form" action="https://modernbusinessinternational.com/"><div class="tdb-search-form-inner"><input class="tdb-head-search-form-input" placeholder=" " type="text" value="" name="s" autocomplete="off" /><button class="wpb_button wpb_btn-inverse btn tdb-head-search-form-btn" type="submit"><span>Search</span></button></div></form><div class="tdb-aj-search"></div></div></div><a href="#" role="button" aria-label="Search" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a></div></div> <!-- ./block --></div></div></div></div><div id="tdi_43" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_44  wpb_row td-pb-row tdc-element-style tdc-row-content-vert-center" >
<style scoped>

/* custom css */
.tdi_44,
                .tdi_44 .tdc-columns{
                    min-height: 0;
                }.tdi_44:before{
                    display: block;
                    width: 100vw; 
                    height: 100%;
                    position: absolute;
                    left: 50%;
                    transform: translateX(-50%);
                    box-shadow:  0px 6px 8px 0px rgba(0, 0, 0, 0.08);
                    z-index: 20;
                    pointer-events: none;
                    top: 0;
                }.tdi_44,
				.tdi_44 .tdc-columns{
				    display: block;
				}.tdi_44 .tdc-columns{
				    width: 100%;
				}@media (min-width: 768px) {
	                .tdi_44 {
	                    margin-left: -0px;
	                    margin-right: -0px;
	                }
	                .tdi_44 .tdc-row-video-background-error,
	                .tdi_44 .vc_column {
	                    padding-left: 0px;
	                    padding-right: 0px;
	                }
                }@media (min-width: 767px) {
                    .tdi_44.tdc-row-content-vert-center,
                    .tdi_44.tdc-row-content-vert-center .tdc-columns {
                        display: flex;
                        align-items: center;
                        flex: 1;
                    }
                    .tdi_44.tdc-row-content-vert-bottom,
                    .tdi_44.tdc-row-content-vert-bottom .tdc-columns {
                        display: flex;
                        align-items: flex-end;
                        flex: 1;
                    }
                    .tdi_44.tdc-row-content-vert-center .td_block_wrap {
                        vertical-align: middle;
                    }
                    .tdi_44.tdc-row-content-vert-bottom .td_block_wrap {
                        vertical-align: bottom;
                    }
                }
/* inline tdc_css att */

.tdi_44{
position:relative;
}

.tdi_44 .td_block_wrap{ text-align:left }

/* portrait */
@media (min-width: 768px) and (max-width: 1018px)
{
.tdi_44{
padding-right:14px !important;
padding-left:14px !important;
}
}

</style>
<div class="tdi_43_rand_style td-element-style" ><style>
.tdi_43_rand_style{
background-color:#ff9999 !important;
}
 </style></div><div class="vc_column tdi_46  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>

/* custom css */
.tdi_46{
                    vertical-align: baseline;
                }.tdi_46 > .wpb_wrapper,
				.tdi_46 > .wpb_wrapper > .tdc-elements{
				    display: block;
				}.tdi_46 > .wpb_wrapper > .tdc-elements{
				    width: 100%;
				}.tdi_46 > .wpb_wrapper > .vc_row_inner{
				    width: auto;
				}.tdi_46 > .wpb_wrapper{
				    width: auto;
				    height: auto;
				}
/* inline tdc_css att */

.tdi_46{
width:18% !important;
}

/* portrait */
@media (min-width: 768px) and (max-width: 1018px)
{
.tdi_46{
width:20% !important;
}
}

</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_47 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_47" >
<style>
/* custom css */
.tdi_47 .tdb-logo-a,
                .tdi_47 h1{
                    flex-direction: row;
                
                    align-items: flex-end;
                
                    justify-content: flex-start;
                }.tdi_47 .tdb-logo-svg-wrap{
                    display: block;
                }.tdi_47 .tdb-logo-svg-wrap + .tdb-logo-img-wrap{
                    display: none;
                }.tdi_47 .tdb-logo-img-wrap{
                    margin-top: 0px;
                
                    margin-bottom: 0px;
                
                    margin-right: 5px;
                
                    margin-left: 0px;
                
                    display: block;
                }.tdi_47 .tdb-logo-img-wrap:first-child{
                    margin-top: 0;
                
                    margin-left: 0;
                }.tdi_47 .tdb-logo-img-wrap:last-child{
                    margin-bottom: 0;
                
                    margin-right: 0;
                }.tdi_47 .tdb-logo-text-tagline{
                    margin-top: -2px;
                    margin-left: 0;
                
                    display: block;
                
                    color: #ffffff;
                
                    font-family:Open Sans !important;font-size:16px !important;;
                }.tdi_47 .tdb-logo-text-title{
                    display: block;
                
                    color: #ffffff;
                
                    font-family:Oswald !important;font-size:25px !important;text-transform:uppercase !important;;
                }.tdi_47 .tdb-logo-text-wrap{
                    flex-direction: column;
                
                    align-items: center;
                }.tdi_47 .tdb-logo-icon{
                    top: 0px;
                
                    display: block;
                }
</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://modernbusinessinternational.com/" target="_blank"><span class="tdb-logo-img-wrap"><img class="tdb-logo-img" src="https://modernbusinessinternational.com/wp-content/uploads/2023/11/Modern_Business_International-removebg-preview.png" alt="Logo"  title=""  width="346" height="140" /></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_49  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>

/* custom css */
.tdi_49{
                    vertical-align: baseline;
                }.tdi_49 > .wpb_wrapper,
				.tdi_49 > .wpb_wrapper > .tdc-elements{
				    display: block;
				}.tdi_49 > .wpb_wrapper > .tdc-elements{
				    width: 100%;
				}.tdi_49 > .wpb_wrapper > .vc_row_inner{
				    width: auto;
				}.tdi_49 > .wpb_wrapper{
				    width: auto;
				    height: auto;
				}
/* inline tdc_css att */

.tdi_49{
padding-right:30px !important;
padding-left:30px !important;
width:64% !important;
}

/* portrait */
@media (min-width: 768px) and (max-width: 1018px)
{
.tdi_49{
padding-right:20px !important;
padding-left:20px !important;
width:60% !important;
}
}

</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_menu tdi_50 tds_menu_active1 tds_menu_sub_active1 tdb-menu-items-in-more tdb-mm-align-screen td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_50"  style=" z-index: 999;">
<style>
/* custom css */
.tdb_header_menu .tdb-menu-items-pulldown{
                  -webkit-transition: opacity 0.5s;
                  transition: opacity 0.5s;
                  opacity: 1;
                }.tdb_header_menu .tdb-menu-items-pulldown.tdb-menu-items-pulldown-inactive{
                  white-space: nowrap;
                  opacity: 0;
                }.tdb_header_menu .tdb-menu-items-pulldown.tdb-menu-items-pulldown-inactive .tdb-menu{
                  white-space: nowrap;
                }.tdb_header_menu .tdb-menu-items-pulldown.tdb-menu-items-pulldown-inactive .tdb-menu > li{
                  float: none;
                  display: inline-block;
                }.tdb_header_menu .tdb-menu-items-dropdown{
                  position: relative;
                  display: inline-block;
                  vertical-align: middle;
                  font-family: 'Open Sans', 'Open Sans Regular', sans-serif;
                }.tdb_header_menu .tdb-menu-items-dropdown:hover .td-pulldown-filter-list{
                  display: block;
                }.tdb_header_menu .tdb-menu-items-dropdown:hover .td-subcat-more:after{
                  width: 100%;
                }.tdb_header_menu .tdb-menu-items-dropdown .tdb-menu-sep{
                  position: relative;
                  vertical-align: middle;
                  font-size: 14px;
                }.tdb_header_menu .tdb-menu-items-dropdown .tdb-menu-more-icon-svg,
                .tdb_header_menu .tdb-menu-items-dropdown .tdb-menu-sep-svg{
                  line-height: 0;
                }.tdb_header_menu .tdb-menu-items-dropdown .tdb-menu-more-icon-svg svg,
                .tdb_header_menu .tdb-menu-items-dropdown .tdb-menu-sep-svg svg{
                  width: 14px;
                  height: auto;
                }.tdb_header_menu .tdb-menu-items-dropdown .tdb-menu-more-icon-svg{
                  vertical-align: middle;
                }.tdb_header_menu .tdb-menu-items-empty + .tdb-menu-items-dropdown .tdb-menu-sep{
                  display: none;
                }.tdb_header_menu .td-subcat-more{
                  position: relative;
                  display: inline-block;
                  padding: 0 14px;
                  font-size: 14px;
                  line-height: 48px;
                  vertical-align: middle;
                  -webkit-backface-visibility: hidden;
                  color: #000;
                  cursor: pointer;
                }.tdb_header_menu .td-subcat-more > .tdb-menu-item-text{
                  font-weight: 700;
                  text-transform: uppercase;
                  font-family: 'Open Sans', 'Open Sans Regular', sans-serif;
                
                  float: left;
                }.tdb_header_menu .td-subcat-more:after{
                  content: '';
                  position: absolute;
                  bottom: 0;
                  left: 0;
                  right: 0;
                  margin: 0 auto;
                  width: 0;
                  height: 3px;
                  background-color: #4db2ec;
                  -webkit-transform: translate3d(0, 0, 0);
                  transform: translate3d(0, 0, 0);
                  -webkit-transition: width 0.2s ease;
                  transition: width 0.2s ease;
                }.tdb_header_menu .td-subcat-more .tdb-menu-more-subicon{
                  margin: 0 0 0 7px;
                }.tdb_header_menu .td-subcat-more .tdb-menu-more-subicon-svg{
                  line-height: 0;
                }.tdb_header_menu .td-subcat-more .tdb-menu-more-subicon-svg svg{
                  width: 14px;
                  height: auto;
                }.tdb_header_menu .td-subcat-more .tdb-menu-more-subicon-svg svg,
                .tdb_header_menu .td-subcat-more .tdb-menu-more-subicon-svg svg *{
                  fill: #000;
                }.tdb_header_menu .td-pulldown-filter-list,
                .tdb_header_menu .td-pulldown-filter-list .sub-menu{
                    position: absolute;
                    width: 170px !important;
                    background-color: #fff;
                    display: none;
                    z-index: 99;
                }.tdb_header_menu .td-pulldown-filter-list{
                    list-style-type: none;
                    top: 100%;
                    left: -15px;
                    margin: 0;
                    padding: 15px 0;
                    text-align: left;
                }.tdb_header_menu .td-pulldown-filter-list .sub-menu{
                    top: 0;
                    right: 100%;
                    left: auto;
                    margin-top: -15px;
                }.tdb_header_menu .td-pulldown-filter-list li{
                  margin: 0;
                }.tdb_header_menu .td-pulldown-filter-list li a{
                  position: relative;
                  display: block;
                  padding: 7px 30px;
                  font-size: 12px;
                  line-height: 20px;
                  color: #111;
                }.tdb_header_menu .td-pulldown-filter-list li:hover > a{
                  color: #4db2ec;
                }.tdb_header_menu .td-pulldown-filter-list li:hover > .sub-menu{
                    display: block !important;
                }.tdb_header_menu .td-pulldown-filter-list li .tdb-menu-sep{
                  display: none;
                }.tdb_header_menu .td-pulldown-filter-list li:not(.tdb-normal-menu) > a > .tdb-sub-menu-icon,
                .tdb_header_menu .td-pulldown-filter-list li:not(.tdb-normal-menu) .sub-menu{
                  display: none !important;
                }.tdb_header_menu{
                  margin-bottom: 0;
                  z-index: 999;
                  clear: none;
                }.tdb_header_menu .tdb-main-sub-icon-fake,
                .tdb_header_menu .tdb-sub-icon-fake{
                    display: none;
                }.rtl .tdb_header_menu .tdb-menu{
                  display: flex;
                }.tdb_header_menu .tdb-menu{
                  display: inline-block;
                  vertical-align: middle;
                  margin: 0;
                }.tdb_header_menu .tdb-menu .tdb-mega-menu-inactive,
                .tdb_header_menu .tdb-menu .tdb-menu-item-inactive{
                  pointer-events: none;
                }.tdb_header_menu .tdb-menu .tdb-mega-menu-inactive > ul,
                .tdb_header_menu .tdb-menu .tdb-menu-item-inactive > ul{
                  visibility: hidden;
                  opacity: 0;
                }.tdb_header_menu .tdb-menu .sub-menu{
                  font-size: 14px;
                
                  position: absolute;
                  top: -999em;
                  background-color: #fff;
                  z-index: 99;
                }.tdb_header_menu .tdb-menu .sub-menu > li{
                  list-style-type: none;
                  margin: 0;
                  font-family: 'Open Sans', 'Open Sans Regular', sans-serif;
                }.tdb_header_menu .tdb-menu > li{
                  float: left;
                  list-style-type: none;
                  margin: 0;
                }.tdb_header_menu .tdb-menu > li > a{
                  position: relative;
                  display: inline-block;
                  padding: 0 14px;
                  font-weight: 700;
                  font-size: 14px;
                  line-height: 48px;
                  vertical-align: middle;
                  text-transform: uppercase;
                  -webkit-backface-visibility: hidden;
                  color: #000;
                  font-family: 'Open Sans', 'Open Sans Regular', sans-serif;
                }.tdb_header_menu .tdb-menu > li > a:after{
                  content: '';
                  position: absolute;
                  bottom: 0;
                  left: 0;
                  right: 0;
                  margin: 0 auto;
                  width: 0;
                  height: 3px;
                  background-color: #4db2ec;
                  -webkit-transform: translate3d(0, 0, 0);
                  transform: translate3d(0, 0, 0);
                  -webkit-transition: width 0.2s ease;
                  transition: width 0.2s ease;
                }.tdb_header_menu .tdb-menu > li > a > .tdb-menu-item-text{
                  display: inline-block;
                }.tdb_header_menu .tdb-menu > li > a .tdb-menu-item-text,
                .tdb_header_menu .tdb-menu > li > a span{
                  vertical-align: middle;
                  float: left;
                }.tdb_header_menu .tdb-menu > li > a .tdb-sub-menu-icon{
                  margin: 0 0 0 7px;
                }.tdb_header_menu .tdb-menu > li > a .tdb-sub-menu-icon-svg{
                  float: none;
                  line-height: 0;
                }.tdb_header_menu .tdb-menu > li > a .tdb-sub-menu-icon-svg svg{
                  width: 14px;
                  height: auto;
                }.tdb_header_menu .tdb-menu > li > a .tdb-sub-menu-icon-svg svg,
                .tdb_header_menu .tdb-menu > li > a .tdb-sub-menu-icon-svg svg *{
                  fill: #000;
                }.tdb_header_menu .tdb-menu > li.current-menu-item > a:after,
                .tdb_header_menu .tdb-menu > li.current-menu-ancestor > a:after,
                .tdb_header_menu .tdb-menu > li.current-category-ancestor > a:after,
                .tdb_header_menu .tdb-menu > li:hover > a:after,
                .tdb_header_menu .tdb-menu > li.tdb-hover > a:after{
                  width: 100%;
                }.tdb_header_menu .tdb-menu > li:hover > ul,
                .tdb_header_menu .tdb-menu > li.tdb-hover > ul{
                  top: auto;
                  display: block !important;
                }.tdb_header_menu .tdb-menu > li.td-normal-menu > ul.sub-menu{
                  top: auto;
                  left: 0;
                  z-index: 99;
                }.tdb_header_menu .tdb-menu > li .tdb-menu-sep{
                  position: relative;
                  vertical-align: middle;
                  font-size: 14px;
                }.tdb_header_menu .tdb-menu > li .tdb-menu-sep-svg{
                  line-height: 0;
                }.tdb_header_menu .tdb-menu > li .tdb-menu-sep-svg svg{
                  width: 14px;
                  height: auto;
                }.tdb_header_menu .tdb-menu > li:last-child .tdb-menu-sep{
                  display: none;
                }.tdb_header_menu .tdb-menu-item-text{
                  word-wrap: break-word;
                }.tdb_header_menu .tdb-menu-item-text,
                .tdb_header_menu .tdb-sub-menu-icon,
                .tdb_header_menu .tdb-menu-more-subicon{
                  vertical-align: middle;
                }.tdb_header_menu .tdb-sub-menu-icon,
                .tdb_header_menu .tdb-menu-more-subicon{
                  position: relative;
                  top: 0;
                  padding-left: 0;
                }.tdb_header_menu .tdb-normal-menu{
                  position: relative;
                }.tdb_header_menu .tdb-normal-menu ul{
                  left: 0;
                  padding: 15px 0;
                  text-align: left;
                }.tdb_header_menu .tdb-normal-menu ul ul{
                  margin-top: -15px;
                }.tdb_header_menu .tdb-normal-menu ul .tdb-menu-item{
                  position: relative;
                  list-style-type: none;
                }.tdb_header_menu .tdb-normal-menu ul .tdb-menu-item > a{
                  position: relative;
                  display: block;
                  padding: 7px 30px;
                  font-size: 12px;
                  line-height: 20px;
                  color: #111;
                }.tdb_header_menu .tdb-normal-menu ul .tdb-menu-item > a .tdb-sub-menu-icon,
                .tdb_header_menu .td-pulldown-filter-list .tdb-menu-item > a .tdb-sub-menu-icon{
                  position: absolute;
                  top: 50%;
                  -webkit-transform: translateY(-50%);
                  transform: translateY(-50%);
                  right: 0;
                  padding-right: inherit;
                  font-size: 7px;
                  line-height: 20px;
                }.tdb_header_menu .tdb-normal-menu ul .tdb-menu-item > a .tdb-sub-menu-icon-svg,
                .tdb_header_menu .td-pulldown-filter-list .tdb-menu-item > a .tdb-sub-menu-icon-svg{
                  line-height: 0;
                }.tdb_header_menu .tdb-normal-menu ul .tdb-menu-item > a .tdb-sub-menu-icon-svg svg,
                .tdb_header_menu .td-pulldown-filter-list .tdb-menu-item > a .tdb-sub-menu-icon-svg svg{
                  width: 7px;
                  height: auto;
                }.tdb_header_menu .tdb-normal-menu ul .tdb-menu-item > a .tdb-sub-menu-icon-svg svg,
                .tdb_header_menu .tdb-normal-menu ul .tdb-menu-item > a .tdb-sub-menu-icon-svg svg *,
                .tdb_header_menu .td-pulldown-filter-list .tdb-menu-item > a .tdb-sub-menu-icon svg,
                .tdb_header_menu .td-pulldown-filter-list .tdb-menu-item > a .tdb-sub-menu-icon svg *{
                  fill: #000;
                }.tdb_header_menu .tdb-normal-menu ul .tdb-menu-item:hover > ul,
                .tdb_header_menu .tdb-normal-menu ul .tdb-menu-item.tdb-hover > ul{
                  top: 0;
                  display: block !important;
                }.tdb_header_menu .tdb-normal-menu ul .tdb-menu-item.current-menu-item > a,
                .tdb_header_menu .tdb-normal-menu ul .tdb-menu-item.current-menu-ancestor > a,
                .tdb_header_menu .tdb-normal-menu ul .tdb-menu-item.current-category-ancestor > a,
                .tdb_header_menu .tdb-normal-menu ul .tdb-menu-item.tdb-hover > a,
                .tdb_header_menu .tdb-normal-menu ul .tdb-menu-item:hover > a{
                  color: #4db2ec;
                }.tdb_header_menu .tdb-normal-menu > ul{
                  left: -15px;
                }.tdb_header_menu.tdb-menu-sub-inline .tdb-normal-menu ul,
                .tdb_header_menu.tdb-menu-sub-inline .td-pulldown-filter-list{
                  width: 100% !important;
                }.tdb_header_menu.tdb-menu-sub-inline .tdb-normal-menu ul li,
                .tdb_header_menu.tdb-menu-sub-inline .td-pulldown-filter-list li{
                  display: inline-block;
                  width: auto !important;
                }.tdb_header_menu.tdb-menu-sub-inline .tdb-normal-menu,
                .tdb_header_menu.tdb-menu-sub-inline .tdb-normal-menu .tdb-menu-item{
                  position: static;
                }.tdb_header_menu.tdb-menu-sub-inline .tdb-normal-menu ul ul{
                  margin-top: 0 !important;
                }.tdb_header_menu.tdb-menu-sub-inline .tdb-normal-menu > ul{
                  left: 0 !important;
                }.tdb_header_menu.tdb-menu-sub-inline .tdb-normal-menu .tdb-menu-item > a .tdb-sub-menu-icon{
                  float: none;
                  line-height: 1;
                }.tdb_header_menu.tdb-menu-sub-inline .tdb-normal-menu .tdb-menu-item:hover > ul,
                .tdb_header_menu.tdb-menu-sub-inline .tdb-normal-menu .tdb-menu-item.tdb-hover > ul{
                  top: 100%;
                }.tdb_header_menu.tdb-menu-sub-inline .tdb-menu-items-dropdown{
                  position: static;
                }.tdb_header_menu.tdb-menu-sub-inline .td-pulldown-filter-list{
                  left: 0 !important;
                }.tdb-menu .tdb-mega-menu .sub-menu{
                  -webkit-transition: opacity 0.3s ease;
                  transition: opacity 0.3s ease;
                  width: 1114px !important;
                }.tdb-menu .tdb-mega-menu .sub-menu,
                .tdb-menu .tdb-mega-menu .sub-menu > li{
                  position: absolute;
                  left: 50%;
                  -webkit-transform: translateX(-50%);
                  transform: translateX(-50%);
                }.tdb-menu .tdb-mega-menu .sub-menu > li{
                  top: 0;
                  width: 100%;
                  max-width: 1114px !important;
                  height: auto;
                  background-color: #fff;
                  border: 1px solid #eaeaea;
                  overflow: hidden;
                }.tdc-dragged .tdb-block-menu ul{
                  visibility: hidden !important;
                  opacity: 0 !important;
                  -webkit-transition: all 0.3s ease;
                  transition: all 0.3s ease;
                }.tdb-mm-align-screen .tdb-menu .tdb-mega-menu .sub-menu{
                  -webkit-transform: translateX(0);
                  transform: translateX(0);
                }.tdb-mm-align-parent .tdb-menu .tdb-mega-menu{
                  position: relative;
                }.tdb-menu .tdb-mega-menu .tdc-row:not([class*='stretch_row_']),
                .tdb-menu .tdb-mega-menu .tdc-row-composer:not([class*='stretch_row_']){
                    width: auto !important;
                    max-width: 1240px;
                }.tdi_50 .td_block_inner{
                    text-align: center;
                }.tdi_50 .tdb-menu > li{
                    margin-right: 28px;
                }.tdi_50 .tdb-menu > li:last-child{
                    margin-right: 0;
                }.tdi_50 .tdb-menu-items-dropdown{
                    margin-left: 28px;
                }.tdi_50 .tdb-menu-items-empty + .tdb-menu-items-dropdown{
                    margin-left: 0;
                }.tdi_50 .tdb-menu > li > a,
                .tdi_50 .td-subcat-more{
                    padding: 0px;
                
                    color: #ffffff;
                }.tdi_50 .tdb-menu > li .tdb-menu-sep,
                .tdi_50 .tdb-menu-items-dropdown .tdb-menu-sep{
                    top: -1px;
                }.tdi_50 .tdb-menu > li > a .tdb-sub-menu-icon,
                .tdi_50 .td-subcat-more .tdb-menu-more-subicon{
                    top: -1px;
                }.tdi_50 .td-subcat-more .tdb-menu-more-icon{
                    top: 0px;
                }.tdi_50 .tdb-menu > li > a .tdb-sub-menu-icon-svg svg,
                .tdi_50 .tdb-menu > li > a .tdb-sub-menu-icon-svg svg *,
                .tdi_50 .td-subcat-more .tdb-menu-more-subicon-svg svg,
                .tdi_50 .td-subcat-more .tdb-menu-more-subicon-svg svg *,
                .tdi_50 .td-subcat-more .tdb-menu-more-icon-svg,
                .tdi_50 .td-subcat-more .tdb-menu-more-icon-svg *{
                    fill: #ffffff;
                }.tdi_50 .tdb-menu > li > a,
                .tdi_50 .td-subcat-more,
                .tdi_50 .td-subcat-more > .tdb-menu-item-text{
                    font-family:Roboto Condensed !important;font-size:16px !important;line-height:70px !important;font-weight:700 !important;
                }.tdi_50 .tdb-normal-menu ul.sub-menu,
                .tdi_50 .td-pulldown-filter-list{
                    width: 140px !important;
                }.tdi_50 .tdb-menu > .tdb-normal-menu > ul,
                .tdi_50 .td-pulldown-filter-list{
                    left: -29px;
                }.tdi_50 .tdb-normal-menu ul .tdb-menu-item > a .tdb-sub-menu-icon,
                .tdi_50 .td-pulldown-filter-list .tdb-menu-item > a .tdb-sub-menu-icon{
                    right: 0;
                
                    margin-top: 1px;
                }.tdi_50 .tdb-menu .tdb-normal-menu ul,
                .tdi_50 .td-pulldown-filter-list,
                .tdi_50 .td-pulldown-filter-list .sub-menu{
                    box-shadow:  1px 1px 4px 0px rgba(0, 0, 0, 0.15);
                }.tdi_50 .tdb-menu .tdb-normal-menu ul .tdb-menu-item > a,
                .tdi_50 .td-pulldown-filter-list li a{
                    font-family:Roboto Condensed !important;font-size:14px !important;font-weight:700 !important;text-transform:uppercase !important;
                }.tdi_50:not(.tdb-mm-align-screen) .tdb-mega-menu .sub-menu,
                .tdi_50 .tdb-mega-menu .sub-menu > li{
                    max-width: 1200px !important;
                }.tdi_50 .tdb-mega-menu .tdb_header_mega_menu{
                    max-width: 1114px;
                    margin: 0 auto;
                
                    margin-right: 0;
                }.tdi_50 .tdb-menu .tdb-mega-menu .sub-menu > li{
					box-shadow:  0px 2px 6px 0px rgba(0, 0, 0, 0.1);
				}@media (max-width: 1018px) {
                  .tdb_header_menu .td-pulldown-filter-list {
                    left: auto;
                    right: -15px;
                  }
                }@media (max-width: 1140px) {
                  .tdb-menu .tdb-mega-menu .sub-menu > li {
                    width: 100% !important;
                  }
                }@media (max-width: 1018px) {
                    .tdi_50 .td-pulldown-filter-list {
                        left: auto;
                        right: -29px;
                    }
                }

/* portrait */
@media (min-width: 768px) and (max-width: 1018px){
.tdi_50 .tdb-menu > li{
                    margin-right: 18px;
                }.tdi_50 .tdb-menu > li:last-child{
                    margin-right: 0;
                }.tdi_50 .tdb-menu-items-dropdown{
                    margin-left: 18px;
                }.tdi_50 .tdb-menu-items-empty + .tdb-menu-items-dropdown{
                    margin-left: 0;
                }.tdi_50 .tdb-menu > li > a,
                .tdi_50 .td-subcat-more,
                .tdi_50 .td-subcat-more > .tdb-menu-item-text{
                    font-family:Roboto Condensed !important;font-size:14px !important;line-height:60px !important;font-weight:700 !important;
                }
}
</style>
<style>
.tdi_50 .tdb-menu > li > a:after,
				.tdi_50 .tdb-menu-items-dropdown .td-subcat-more:after{
					background-color: rgba(255,255,255,0.7);
				
					bottom: 0px;
				}
</style>
<style>
.tdi_50 .tdb-menu ul .tdb-normal-menu.current-menu-item > a,
				.tdi_50 .tdb-menu ul .tdb-normal-menu.current-menu-ancestor > a,
				.tdi_50 .tdb-menu ul .tdb-normal-menu.current-category-ancestor > a,
				.tdi_50 .tdb-menu ul .tdb-normal-menu.tdb-hover > a,
				.tdi_50 .tdb-menu ul .tdb-normal-menu:hover > a,
				.tdi_50 .tdb-menu-items-dropdown .td-pulldown-filter-list li:hover > a{
					color: #ffffff;
				
					background-color: #ea2e2e;
				}.tdi_50 .tdb-menu ul .tdb-normal-menu.current-menu-item > a .tdb-sub-menu-icon-svg svg,
				.tdi_50 .tdb-menu ul .tdb-normal-menu.current-menu-item > a .tdb-sub-menu-icon-svg svg *,
				.tdi_50 .tdb-menu ul .tdb-normal-menu.current-menu-ancestor > a .tdb-sub-menu-icon-svg svg,
				.tdi_50 .tdb-menu ul .tdb-normal-menu.current-menu-ancestor > a .tdb-sub-menu-icon-svg svg *,
				.tdi_50 .tdb-menu ul .tdb-normal-menu.current-category-ancestor > a .tdb-sub-menu-icon-svg svg,
				.tdi_50 .tdb-menu ul .tdb-normal-menu.current-category-ancestor > a .tdb-sub-menu-icon-svg svg *,
				.tdi_50 .tdb-menu ul .tdb-normal-menu.tdb-hover > a .tdb-sub-menu-icon-svg svg,
				.tdi_50 .tdb-menu ul .tdb-normal-menu.tdb-hover > a .tdb-sub-menu-icon-svg svg *,
				.tdi_50 .tdb-menu ul .tdb-normal-menu:hover > a .tdb-sub-menu-icon-svg svg,
				.tdi_50 .tdb-menu ul .tdb-normal-menu:hover > a .tdb-sub-menu-icon-svg svg *,
				.tdi_50 .tdb-menu-items-dropdown .td-pulldown-filter-list li:hover > a .tdb-sub-menu-icon-svg svg,
				.tdi_50 .tdb-menu-items-dropdown .td-pulldown-filter-list li:hover > a .tdb-sub-menu-icon-svg svg *{
					fill: #ffffff;
				}
</style><div id=tdi_50 class="td_block_inner td-fix-index"><div class="tdb-main-sub-icon-fake"><i class="tdb-sub-menu-icon td-icon-down tdb-main-sub-menu-icon"></i></div><div class="tdb-sub-icon-fake"><i class="tdb-sub-menu-icon td-icon-right-arrow"></i></div><div class="tdb-menu-items-pulldown tdb-menu-items-pulldown-inactive"><ul id="menu-main-menu-3" class="tdb-block-menu tdb-menu tdb-menu-items-visible"><li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-home tdb-cur-menu-item menu-item-first tdb-menu-item-button tdb-menu-item tdb-normal-menu menu-item-157"><a href="https://modernbusinessinternational.com/"><div class="tdb-menu-item-text">Home</div></a></li>
<li class="menu-item menu-item-type-taxonomy menu-item-object-category tdb-menu-item-button tdb-menu-item tdb-normal-menu menu-item-160"><a href="https://modernbusinessinternational.com/category/news/"><div class="tdb-menu-item-text">News</div></a></li>
<li class="menu-item menu-item-type-taxonomy menu-item-object-category tdb-menu-item-button tdb-menu-item tdb-normal-menu menu-item-158"><a href="https://modernbusinessinternational.com/category/global-news/"><div class="tdb-menu-item-text">Global News</div></a></li>
<li class="menu-item menu-item-type-taxonomy menu-item-object-category tdb-menu-item-button tdb-menu-item tdb-normal-menu menu-item-159"><a href="https://modernbusinessinternational.com/category/markets-news/"><div class="tdb-menu-item-text">Markets News</div></a></li>
<li class="menu-item menu-item-type-taxonomy menu-item-object-category tdb-menu-item-button tdb-menu-item tdb-normal-menu menu-item-161"><a href="https://modernbusinessinternational.com/category/companies/"><div class="tdb-menu-item-text">Companies</div></a></li>
<li class="menu-item menu-item-type-taxonomy menu-item-object-category tdb-menu-item-button tdb-menu-item tdb-normal-menu menu-item-162"><a href="https://modernbusinessinternational.com/category/blogs/"><div class="tdb-menu-item-text">BLOGS</div></a></li>
<li class="menu-item menu-item-type-taxonomy menu-item-object-category current-post-ancestor current-menu-parent current-post-parent tdb-menu-item-button tdb-menu-item tdb-normal-menu menu-item-163"><a href="https://modernbusinessinternational.com/category/investing/"><div class="tdb-menu-item-text">INVESTING</div></a></li>
<li class="menu-item menu-item-type-post_type menu-item-object-page tdb-menu-item-button tdb-menu-item tdb-normal-menu menu-item-7958"><a href="https://modernbusinessinternational.com/about-us/"><div class="tdb-menu-item-text">About Us</div></a></li>
</ul><div class="tdb-menu-items-dropdown"><div class="td-subcat-more"><span class="tdb-menu-item-text">More</span><i class="tdb-menu-more-subicon td-icon-down tdb-main-sub-menu-icon"></i><ul class="td-pulldown-filter-list"></ul></div></div></div></div></div></div></div><div class="vc_column tdi_54  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>

/* custom css */
.tdi_54{
                    vertical-align: baseline;
                }.tdi_54 > .wpb_wrapper,
				.tdi_54 > .wpb_wrapper > .tdc-elements{
				    display: block;
				}.tdi_54 > .wpb_wrapper > .tdc-elements{
				    width: 100%;
				}.tdi_54 > .wpb_wrapper > .vc_row_inner{
				    width: auto;
				}.tdi_54 > .wpb_wrapper{
				    width: auto;
				    height: auto;
				}
/* inline tdc_css att */

.tdi_54{
width:18% !important;
}

/* portrait */
@media (min-width: 768px) and (max-width: 1018px)
{
.tdi_54{
width:20% !important;
}
}

</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_55 tdm-content-horiz-right td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_55" >
<style>
/* custom css */
.tdm_block.tdm_block_socials{
                  margin-bottom: 0;
                }.tdm-social-wrapper{
                  *zoom: 1;
                }.tdm-social-wrapper:before,
                .tdm-social-wrapper:after{
                  display: table;
                  content: '';
                  line-height: 0;
                }.tdm-social-wrapper:after{
                  clear: both;
                }.tdm-social-item-wrap{
                  display: inline-block;
                }.tdm-social-item{
                  position: relative;
                  display: inline-block;
                  vertical-align: middle;
                  -webkit-transition: all 0.2s;
                  transition: all 0.2s;
                  text-align: center;
                  -webkit-transform: translateZ(0);
                  transform: translateZ(0);
                }.tdm-social-item i{
                  font-size: 14px;
                  color: #4db2ec;
                  -webkit-transition: all 0.2s;
                  transition: all 0.2s;
                }.tdm-social-text{
                  display: none;
                  margin-top: -1px;
                  vertical-align: middle;
                  font-size: 13px;
                  color: #4db2ec;
                  -webkit-transition: all 0.2s;
                  transition: all 0.2s;
                }.tdm-social-item-wrap:hover i,
                .tdm-social-item-wrap:hover .tdm-social-text{
                  color: #000;
                }.tdm-social-item-wrap:last-child .tdm-social-text{
                  margin-right: 0 !important;
                }
</style>
<style>
.tdi_56 .tdm-social-item i{
					font-size: 12px;
					vertical-align: middle;
				
					line-height: 22.8px;
				}.tdi_56 .tdm-social-item i.td-icon-twitter,
				.tdi_56 .tdm-social-item i.td-icon-linkedin,
				.tdi_56 .tdm-social-item i.td-icon-pinterest,
				.tdi_56 .tdm-social-item i.td-icon-blogger,
				.tdi_56 .tdm-social-item i.td-icon-vimeo{
					font-size: 9.6px;
				}.tdi_56 .tdm-social-item{
					width: 22.8px;
					height: 22.8px;
				
				    margin: 4px 8px 4px 0;
				}.tdi_56 .tdm-social-item-wrap:last-child .tdm-social-item{
				    margin-right: 0 !important;
				}.tdi_56 .tdm-social-item i,
				.tds-team-member2 .tdi_56.tds-social1 .tdm-social-item i{
					color: #ffffff;
				}.tdi_56 .tdm-social-item-wrap:hover i,
				.tds-team-member2 .tdi_56.tds-social1 .tdm-social-item:hover i{
					color: rgba(255,255,255,0.7);
				}.tdi_56 .tdm-social-text{
					display: none;
				
					margin-left: 2px;
				
					margin-right: 18px;
				}
</style><div class="tdm-social-wrapper tds-social1 tdi_56"><div class="tdm-social-item-wrap"><a href="https://www.facebook.com/GinuJosephIndia"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="https://www.instagram.com/GinuJosephIndia1/"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="https://www.youtube.com/c/ModernPlasticsTV"  title="Youtube" class="tdm-social-item"><i class="td-icon-font td-icon-youtube"></i><span style="display: none">Youtube</span></a></div></div></div></div></div></div></div><div id="tdi_57" class="tdc-row"><div class="vc_row tdi_58  wpb_row td-pb-row tdc-row-content-vert-center" >
<style scoped>

/* custom css */
.tdi_58,
                .tdi_58 .tdc-columns{
                    min-height: 0;
                }.tdi_58,
				.tdi_58 .tdc-columns{
				    display: block;
				}.tdi_58 .tdc-columns{
				    width: 100%;
				}@media (min-width: 768px) {
	                .tdi_58 {
	                    margin-left: -14px;
	                    margin-right: -14px;
	                }
	                .tdi_58 .tdc-row-video-background-error,
	                .tdi_58 .vc_column {
	                    padding-left: 14px;
	                    padding-right: 14px;
	                }
                }@media (min-width: 767px) {
                    .tdi_58.tdc-row-content-vert-center,
                    .tdi_58.tdc-row-content-vert-center .tdc-columns {
                        display: flex;
                        align-items: center;
                        flex: 1;
                    }
                    .tdi_58.tdc-row-content-vert-bottom,
                    .tdi_58.tdc-row-content-vert-bottom .tdc-columns {
                        display: flex;
                        align-items: flex-end;
                        flex: 1;
                    }
                    .tdi_58.tdc-row-content-vert-center .td_block_wrap {
                        vertical-align: middle;
                    }
                    .tdi_58.tdc-row-content-vert-bottom .td_block_wrap {
                        vertical-align: bottom;
                    }
                }
/* inline tdc_css att */

.tdi_58{
padding-top:5px !important;
padding-bottom:5px !important;
}

.tdi_58 .td_block_wrap{ text-align:left }

/* portrait */
@media (min-width: 768px) and (max-width: 1018px)
{
.tdi_58{
padding-top:32px !important;
}
}

</style><div class="vc_column tdi_60  wpb_column vc_column_container tdc-column td-pb-span12">
<style scoped>

/* custom css */
.tdi_60{
                    vertical-align: baseline;
                }.tdi_60 > .wpb_wrapper,
				.tdi_60 > .wpb_wrapper > .tdc-elements{
				    display: block;
				}.tdi_60 > .wpb_wrapper > .tdc-elements{
				    width: 100%;
				}.tdi_60 > .wpb_wrapper > .vc_row_inner{
				    width: auto;
				}.tdi_60 > .wpb_wrapper{
				    width: auto;
				    height: auto;
				}
</style><div class="wpb_wrapper" ></div></div></div></div></div></div>                </div>
                                <div class="td-header-desktop-sticky-wrap tdc-zone-sticky-invisible tdc-zone-sticky-inactive" style="display: none">
                    <div id="tdi_61" class="tdc-zone"><div class="tdc_zone tdi_62  wpb_row td-pb-row tdc-element-style" data-sticky-offset="0" >
<style scoped>

/* custom css */
.tdi_62{
                    min-height: 0;
                }.tdi_62:before{
                    content: '';
                    display: block;
                    width: 100vw;
                    height: 100%;
                    position: absolute;
                    left: 50%;
                    transform: translateX(-50%);
                    box-shadow:  0px 6px 8px 0px rgba(0, 0, 0, 0.08);
                    z-index: 20;
                    pointer-events: none;
                }.td-header-desktop-sticky-wrap.td-header-active{
                    opacity: 1;
                
                    transform: translateY(0);
                    -webkit-transform: translateY(0);
                    -moz-transform: translateY(0);
                    -ms-transform: translateY(0);
                    -o-transform: translateY(0);
                }.td-header-desktop-sticky-wrap{
                    transform: translateY(-120%);
                    -webkit-transform: translateY(-120%);
                    -moz-transform: translateY(-120%);
                    -ms-transform: translateY(-120%);
                    -o-transform: translateY(-120%);
                
                    -webkit-transition: all 0.3s ease-in-out;
                    -moz-transition: all 0.3s ease-in-out;
                    -o-transition: all 0.3s ease-in-out;
                    transition: all 0.3s ease-in-out;
                }@media (max-width: 767px) {
                    .tdi_62:before {
                        width: 100%;
                    }
                }
/* inline tdc_css att */

.tdi_62{
position:relative;
}

</style>
<div class="tdi_61_rand_style td-element-style" ><style>
.tdi_61_rand_style{
background-color:#ea2e2e !important;
}
 </style></div><div id="tdi_63" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_64  wpb_row td-pb-row tdc-element-style tdc-row-content-vert-center" >
<style scoped>

/* custom css */
.tdi_64,
                .tdi_64 .tdc-columns{
                    min-height: 0;
                }.tdi_64,
				.tdi_64 .tdc-columns{
				    display: block;
				}.tdi_64 .tdc-columns{
				    width: 100%;
				}@media (min-width: 768px) {
	                .tdi_64 {
	                    margin-left: -0px;
	                    margin-right: -0px;
	                }
	                .tdi_64 .tdc-row-video-background-error,
	                .tdi_64 .vc_column {
	                    padding-left: 0px;
	                    padding-right: 0px;
	                }
                }@media (min-width: 767px) {
                    .tdi_64.tdc-row-content-vert-center,
                    .tdi_64.tdc-row-content-vert-center .tdc-columns {
                        display: flex;
                        align-items: center;
                        flex: 1;
                    }
                    .tdi_64.tdc-row-content-vert-bottom,
                    .tdi_64.tdc-row-content-vert-bottom .tdc-columns {
                        display: flex;
                        align-items: flex-end;
                        flex: 1;
                    }
                    .tdi_64.tdc-row-content-vert-center .td_block_wrap {
                        vertical-align: middle;
                    }
                    .tdi_64.tdc-row-content-vert-bottom .td_block_wrap {
                        vertical-align: bottom;
                    }
                }
/* inline tdc_css att */

.tdi_64{
position:relative;
}

.tdi_64 .td_block_wrap{ text-align:left }

/* portrait */
@media (min-width: 768px) and (max-width: 1018px)
{
.tdi_64{
padding-right:14px !important;
padding-left:14px !important;
}
}

</style>
<div class="tdi_63_rand_style td-element-style" ><style>
.tdi_63_rand_style{
background-color:#f7a894 !important;
}
 </style></div><div class="vc_column tdi_66  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>

/* custom css */
.tdi_66{
                    vertical-align: baseline;
                }.tdi_66 > .wpb_wrapper,
				.tdi_66 > .wpb_wrapper > .tdc-elements{
				    display: block;
				}.tdi_66 > .wpb_wrapper > .tdc-elements{
				    width: 100%;
				}.tdi_66 > .wpb_wrapper > .vc_row_inner{
				    width: auto;
				}.tdi_66 > .wpb_wrapper{
				    width: auto;
				    height: auto;
				}
/* inline tdc_css att */

.tdi_66{
width:15% !important;
}

/* portrait */
@media (min-width: 768px) and (max-width: 1018px)
{
.tdi_66{
width:21% !important;
}
}

</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_67 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_67" >
<style>
/* custom css */
.tdi_67 .tdb-logo-a,
                .tdi_67 h1{
                    flex-direction: row;
                
                    align-items: flex-end;
                
                    justify-content: flex-start;
                }.tdi_67 .tdb-logo-svg-wrap{
                    display: block;
                }.tdi_67 .tdb-logo-svg-wrap + .tdb-logo-img-wrap{
                    display: none;
                }.tdi_67 .tdb-logo-img-wrap{
                    margin-top: 0px;
                
                    margin-bottom: 0px;
                
                    margin-right: 5px;
                
                    margin-left: 0px;
                
                    display: block;
                }.tdi_67 .tdb-logo-img-wrap:first-child{
                    margin-top: 0;
                
                    margin-left: 0;
                }.tdi_67 .tdb-logo-img-wrap:last-child{
                    margin-bottom: 0;
                
                    margin-right: 0;
                }.tdi_67 .tdb-logo-text-tagline{
                    margin-top: -2px;
                    margin-left: 0;
                
                    display: block;
                
                    color: #ffffff;
                
                    font-family:Open Sans !important;font-size:11px !important;;
                }.tdi_67 .tdb-logo-text-title{
                    display: block;
                
                    color: #ffffff;
                
                    font-family:Oswald !important;font-size:20px !important;text-transform:uppercase !important;;
                }.tdi_67 .tdb-logo-text-wrap{
                    flex-direction: column;
                
                    align-items: center;
                }.tdi_67 .tdb-logo-icon{
                    top: 0px;
                
                    display: block;
                }
</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://modernbusinessinternational.com/"><span class="tdb-logo-img-wrap"><img class="tdb-logo-img" src="https://modernbusinessinternational.com/wp-content/uploads/2023/11/Modern_Business_International-removebg-preview.png" alt="Logo"  title=""  width="346" height="140" /></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_69  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>

/* custom css */
.tdi_69{
                    vertical-align: baseline;
                }.tdi_69 > .wpb_wrapper,
				.tdi_69 > .wpb_wrapper > .tdc-elements{
				    display: block;
				}.tdi_69 > .wpb_wrapper > .tdc-elements{
				    width: 100%;
				}.tdi_69 > .wpb_wrapper > .vc_row_inner{
				    width: auto;
				}.tdi_69 > .wpb_wrapper{
				    width: auto;
				    height: auto;
				}
/* inline tdc_css att */

.tdi_69{
width:70% !important;
}

/* portrait */
@media (min-width: 768px) and (max-width: 1018px)
{
.tdi_69{
width:58% !important;
}
}

</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_menu tdi_70 tds_menu_active1 tds_menu_sub_active1 tdb-menu-items-in-more tdb-mm-align-screen td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_70"  style=" z-index: 999;">
<style>
/* custom css */
.tdi_70 .td_block_inner{
                    text-align: center;
                }.tdi_70 .tdb-menu > li{
                    margin-right: 28px;
                }.tdi_70 .tdb-menu > li:last-child{
                    margin-right: 0;
                }.tdi_70 .tdb-menu-items-dropdown{
                    margin-left: 28px;
                }.tdi_70 .tdb-menu-items-empty + .tdb-menu-items-dropdown{
                    margin-left: 0;
                }.tdi_70 .tdb-menu > li > a,
                .tdi_70 .td-subcat-more{
                    padding: 0px;
                
                    color: #ffffff;
                }.tdi_70 .tdb-menu > li .tdb-menu-sep,
                .tdi_70 .tdb-menu-items-dropdown .tdb-menu-sep{
                    top: -1px;
                }.tdi_70 .tdb-menu > li > a .tdb-sub-menu-icon,
                .tdi_70 .td-subcat-more .tdb-menu-more-subicon{
                    top: -1px;
                }.tdi_70 .td-subcat-more .tdb-menu-more-icon{
                    top: 0px;
                }.tdi_70 .tdb-menu > li > a .tdb-sub-menu-icon-svg svg,
                .tdi_70 .tdb-menu > li > a .tdb-sub-menu-icon-svg svg *,
                .tdi_70 .td-subcat-more .tdb-menu-more-subicon-svg svg,
                .tdi_70 .td-subcat-more .tdb-menu-more-subicon-svg svg *,
                .tdi_70 .td-subcat-more .tdb-menu-more-icon-svg,
                .tdi_70 .td-subcat-more .tdb-menu-more-icon-svg *{
                    fill: #ffffff;
                }.tdi_70 .tdb-menu > li > a,
                .tdi_70 .td-subcat-more,
                .tdi_70 .td-subcat-more > .tdb-menu-item-text{
                    font-family:Roboto Condensed !important;font-size:16px !important;line-height:48px !important;font-weight:700 !important;
                }.tdi_70 .tdb-normal-menu ul .tdb-menu-item > a .tdb-sub-menu-icon,
                .tdi_70 .td-pulldown-filter-list .tdb-menu-item > a .tdb-sub-menu-icon{
                    right: 0;
                
                    margin-top: 1px;
                }.tdi_70 .tdb-menu .tdb-normal-menu ul,
                .tdi_70 .td-pulldown-filter-list,
                .tdi_70 .td-pulldown-filter-list .sub-menu{
                    box-shadow:  1px 1px 4px 0px rgba(0, 0, 0, 0.15);
                }.tdi_70:not(.tdb-mm-align-screen) .tdb-mega-menu .sub-menu,
                .tdi_70 .tdb-mega-menu .sub-menu > li{
                    max-width: 1200px !important;
                }.tdi_70 .tdb-mega-menu .tdb_header_mega_menu{
                    max-width: 1114px;
                    margin: 0 auto;
                }.tdi_70 .tdb-menu .tdb-mega-menu .sub-menu > li{
					box-shadow:  0px 2px 6px 0px rgba(0, 0, 0, 0.1);
				}

/* portrait */
@media (min-width: 768px) and (max-width: 1018px){
.tdi_70 .tdb-menu > li{
                    margin-right: 18px;
                }.tdi_70 .tdb-menu > li:last-child{
                    margin-right: 0;
                }.tdi_70 .tdb-menu-items-dropdown{
                    margin-left: 18px;
                }.tdi_70 .tdb-menu-items-empty + .tdb-menu-items-dropdown{
                    margin-left: 0;
                }.tdi_70 .tdb-menu > li > a,
                .tdi_70 .td-subcat-more,
                .tdi_70 .td-subcat-more > .tdb-menu-item-text{
                    font-family:Roboto Condensed !important;font-size:14px !important;line-height:48px !important;font-weight:700 !important;
                }
}
</style>
<style>
.tdi_70 .tdb-menu > li > a:after,
				.tdi_70 .tdb-menu-items-dropdown .td-subcat-more:after{
					background-color: rgba(255,255,255,0.7);
				
					bottom: 0px;
				}
</style>
<style>

</style><div id=tdi_70 class="td_block_inner td-fix-index"><div class="tdb-main-sub-icon-fake"><i class="tdb-sub-menu-icon td-icon-down tdb-main-sub-menu-icon"></i></div><div class="tdb-sub-icon-fake"><i class="tdb-sub-menu-icon td-icon-right-arrow"></i></div><div class="tdb-menu-items-pulldown tdb-menu-items-pulldown-inactive"><ul id="menu-main-menu-4" class="tdb-block-menu tdb-menu tdb-menu-items-visible"><li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-home tdb-cur-menu-item menu-item-first tdb-menu-item-button tdb-menu-item tdb-normal-menu menu-item-157"><a href="https://modernbusinessinternational.com/"><div class="tdb-menu-item-text">Home</div></a></li>
<li class="menu-item menu-item-type-taxonomy menu-item-object-category tdb-menu-item-button tdb-menu-item tdb-normal-menu menu-item-160"><a href="https://modernbusinessinternational.com/category/news/"><div class="tdb-menu-item-text">News</div></a></li>
<li class="menu-item menu-item-type-taxonomy menu-item-object-category tdb-menu-item-button tdb-menu-item tdb-normal-menu menu-item-158"><a href="https://modernbusinessinternational.com/category/global-news/"><div class="tdb-menu-item-text">Global News</div></a></li>
<li class="menu-item menu-item-type-taxonomy menu-item-object-category tdb-menu-item-button tdb-menu-item tdb-normal-menu menu-item-159"><a href="https://modernbusinessinternational.com/category/markets-news/"><div class="tdb-menu-item-text">Markets News</div></a></li>
<li class="menu-item menu-item-type-taxonomy menu-item-object-category tdb-menu-item-button tdb-menu-item tdb-normal-menu menu-item-161"><a href="https://modernbusinessinternational.com/category/companies/"><div class="tdb-menu-item-text">Companies</div></a></li>
<li class="menu-item menu-item-type-taxonomy menu-item-object-category tdb-menu-item-button tdb-menu-item tdb-normal-menu menu-item-162"><a href="https://modernbusinessinternational.com/category/blogs/"><div class="tdb-menu-item-text">BLOGS</div></a></li>
<li class="menu-item menu-item-type-taxonomy menu-item-object-category current-post-ancestor current-menu-parent current-post-parent tdb-menu-item-button tdb-menu-item tdb-normal-menu menu-item-163"><a href="https://modernbusinessinternational.com/category/investing/"><div class="tdb-menu-item-text">INVESTING</div></a></li>
<li class="menu-item menu-item-type-post_type menu-item-object-page tdb-menu-item-button tdb-menu-item tdb-normal-menu menu-item-7958"><a href="https://modernbusinessinternational.com/about-us/"><div class="tdb-menu-item-text">About Us</div></a></li>
</ul><div class="tdb-menu-items-dropdown"><div class="td-subcat-more"><span class="tdb-menu-item-text">More</span><i class="tdb-menu-more-subicon td-icon-down tdb-main-sub-menu-icon"></i><ul class="td-pulldown-filter-list"></ul></div></div></div></div></div></div></div><div class="vc_column tdi_74  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>

/* custom css */
.tdi_74{
                    vertical-align: baseline;
                }.tdi_74 > .wpb_wrapper,
				.tdi_74 > .wpb_wrapper > .tdc-elements{
				    display: block;
				}.tdi_74 > .wpb_wrapper > .tdc-elements{
				    width: 100%;
				}.tdi_74 > .wpb_wrapper > .vc_row_inner{
				    width: auto;
				}.tdi_74 > .wpb_wrapper{
				    width: auto;
				    height: auto;
				}
/* inline tdc_css att */

.tdi_74{
width:15% !important;
}

/* portrait */
@media (min-width: 768px) and (max-width: 1018px)
{
.tdi_74{
width:21% !important;
}
}

</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_75 tdm-content-horiz-right td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_75" >
<style>
.tdi_76 .tdm-social-item i{
					font-size: 12px;
					vertical-align: middle;
				
					line-height: 22.8px;
				}.tdi_76 .tdm-social-item i.td-icon-twitter,
				.tdi_76 .tdm-social-item i.td-icon-linkedin,
				.tdi_76 .tdm-social-item i.td-icon-pinterest,
				.tdi_76 .tdm-social-item i.td-icon-blogger,
				.tdi_76 .tdm-social-item i.td-icon-vimeo{
					font-size: 9.6px;
				}.tdi_76 .tdm-social-item{
					width: 22.8px;
					height: 22.8px;
				
				    margin: 4px 8px 4px 0;
				}.tdi_76 .tdm-social-item-wrap:last-child .tdm-social-item{
				    margin-right: 0 !important;
				}.tdi_76 .tdm-social-item i,
				.tds-team-member2 .tdi_76.tds-social1 .tdm-social-item i{
					color: #ffffff;
				}.tdi_76 .tdm-social-item-wrap:hover i,
				.tds-team-member2 .tdi_76.tds-social1 .tdm-social-item:hover i{
					color: rgba(255,255,255,0.7);
				}.tdi_76 .tdm-social-text{
					display: none;
				
					margin-left: 2px;
				
					margin-right: 18px;
				}
</style><div class="tdm-social-wrapper tds-social1 tdi_76"><div class="tdm-social-item-wrap"><a href="https://www.facebook.com/GinuJosephIndia"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="https://www.instagram.com/GinuJosephIndia1/"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="https://www.youtube.com/c/ModernPlasticsTV"  title="Youtube" class="tdm-social-item"><i class="td-icon-font td-icon-youtube"></i><span style="display: none">Youtube</span></a></div></div></div></div></div></div></div></div></div>                </div>
            </div>
                <div id="tdb-autoload-article" data-autoload="off" data-autoload-org-post-id="9196" data-autoload-type="" data-autoload-count="5" >
    <style>
        .tdb-autoload-wrap {
            position: relative;
        }
        .tdb-autoload-wrap .tdb-loader-autoload {
            top: auto !important;
            bottom: 50px !important;
        }
        .tdb-autoload-debug {
            display: none;
            width: 1068px;
            margin-right: auto;
            margin-left: auto;
        }
        @media (min-width: 1019px) and (max-width: 1018px) {
            .tdb-autoload-debug {
                width: 740px;
            }
        }
        @media (max-width: 767px) {
            .tdb-autoload-debug {
                display: none;
                width: 100%;
                padding-left: 20px;
                padding-right: 20px;
            }
        }
    </style>

        <div class="td-main-content-wrap td-container-wrap">
            <div class="tdc-content-wrap">
                <article id="template-id-151"
                    class="post-151 tdb_templates type-tdb_templates status-publish post"                    itemscope itemtype="https://schema.org/Article"                                                                            >
	                                    <div id="tdi_77" class="tdc-zone"><div class="tdc_zone tdi_78  wpb_row td-pb-row"  >
<style scoped>

/* custom css */
.tdi_78{
                    min-height: 0;
                }
</style><div id="tdi_79" class="tdc-row"><div class="vc_row tdi_80  wpb_row td-pb-row" >
<style scoped>

/* custom css */
.tdi_80,
                .tdi_80 .tdc-columns{
                    min-height: 0;
                }.tdi_80,
				.tdi_80 .tdc-columns{
				    display: block;
				}.tdi_80 .tdc-columns{
				    width: 100%;
				}
/* inline tdc_css att */

.tdi_80{
margin-bottom:48px !important;
}

.tdi_80 .td_block_wrap{ text-align:left }

/* phone */
@media (max-width: 767px)
{
.tdi_80{
margin-bottom:38px !important;
}
}

/* landscape */
@media (min-width: 1019px) and (max-width: 1140px)
{
.tdi_80{
margin-bottom:43px !important;
}
}

/* portrait */
@media (min-width: 768px) and (max-width: 1018px)
{
.tdi_80{
margin-bottom:38px !important;
}
}

</style><div class="vc_column tdi_82  wpb_column vc_column_container tdc-column td-pb-span12">
<style scoped>

/* custom css */
.tdi_82{
                    vertical-align: baseline;
                }.tdi_82 > .wpb_wrapper,
				.tdi_82 > .wpb_wrapper > .tdc-elements{
				    display: block;
				}.tdi_82 > .wpb_wrapper > .tdc-elements{
				    width: 100%;
				}.tdi_82 > .wpb_wrapper > .vc_row_inner{
				    width: auto;
				}.tdi_82 > .wpb_wrapper{
				    width: auto;
				    height: auto;
				}
</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_breadcrumbs tdi_83 td-pb-border-top td_block_template_1 tdb-breadcrumbs "  data-td-block-uid="tdi_83" >
<style>

/* inline tdc_css att */

.tdi_83{
margin-bottom:18px !important;
}

</style>
<style>
/* custom css */
.tdb-breadcrumbs{
                  margin-bottom: 11px;
                  font-family: 'Open Sans', 'Open Sans Regular', sans-serif;
                  font-size: 12px;
                  color: #747474;
                  line-height: 18px;
                }.tdb-breadcrumbs a{
                  color: #747474;
                }.tdb-breadcrumbs a:hover{
                  color: #000;
                }.tdb-breadcrumbs .tdb-bread-sep{
                  line-height: 1;
                  vertical-align: middle;
                }.tdb-breadcrumbs .tdb-bread-sep-svg svg{
                  height: auto;
                }.tdb-breadcrumbs .tdb-bread-sep-svg svg,
                .tdb-breadcrumbs .tdb-bread-sep-svg svg *{
                  fill: #c3c3c3;
                }.single-tdb_templates.author-template .tdb_breadcrumbs{
                  margin-bottom: 2px;
                }.tdb_category_breadcrumbs{
                  margin: 21px 0 9px;
                }.search-results .tdb_breadcrumbs{
                  margin-bottom: 2px;
                }.tdi_83 .tdb-bread-sep{
                    font-size: 8px;
                
                    margin: 0 5px;
                }.td-theme-wrap .tdi_83{
					text-align: left;
				}
</style><div class="tdb-block-inner td-fix-index"><span><a title="" class="tdb-entry-crumb" href="https://modernbusinessinternational.com/">Home</a></span><i class="tdb-bread-sep td-icon-right"></i><span><a title="View all posts in INVESTING" class="tdb-entry-crumb" href="https://modernbusinessinternational.com/category/investing/">INVESTING</a></span><i class="tdb-bread-sep tdb-bred-no-url-last td-icon-right"></i><span class="tdb-bred-no-url-last">Here are options for student loan borrowers struggling to make payments</span></div></div><script type="application/ld+json">
                        {
                            "@context": "http://schema.org",
                            "@type": "BreadcrumbList",
                            "itemListElement": [{
                            "@type": "ListItem",
                            "position": 1,
                                "item": {
                                "@type": "WebSite",
                                "@id": "https://modernbusinessinternational.com/",
                                "name": "Home"                                               
                            }
                        },{
                            "@type": "ListItem",
                            "position": 2,
                                "item": {
                                "@type": "WebPage",
                                "@id": "https://modernbusinessinternational.com/category/investing/",
                                "name": "INVESTING"
                            }
                        },{
                            "@type": "ListItem",
                            "position": 3,
                                "item": {
                                "@type": "WebPage",
                                "@id": "",
                                "name": "Here are options for student loan borrowers struggling to make payments"                                
                            }
                        }    ]
                        }
                       </script><div class="td_block_wrap tdb_single_featured_image tdi_84 tdb-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_84" >
<style>

/* inline tdc_css att */

.tdi_84{
margin-bottom:0px !important;
position:relative;
}

</style>
<style>
/* custom css */
.tdb_single_featured_image{
                  margin-bottom: 26px;
                }.tdb_single_featured_image.tdb-sfi-stretch{
                  opacity: 0;
                }.tdb_single_featured_image.tdb-sfi-stretch,
                .tdb_single_featured_image .tdb-block-inner{
                  -webkit-transition: all 0.3s ease-in-out;
                  transition: all 0.3s ease-in-out;
                }.tdb_single_featured_image img{
                  display: block;
                  width: 100%;
                }.tdb_single_featured_image video{
                  max-width: 100%;
                }.tdb_single_featured_image .tdb-caption-text{
                  z-index: 1;
                  text-align: left;
                  font-size: 11px;
                  font-style: italic;
                  font-weight: normal;
                  line-height: 17px;
                  color: #444;
                }.tdb_single_featured_image.tdb-content-horiz-center .tdb-caption-text{
                  text-align: center;
                  left: 0;
                  right: 0;
                  margin-left: auto;
                  margin-right: auto;
                }.tdb_single_featured_image.tdb-content-horiz-right .tdb-caption-text{
                  text-align: right;
                  left:  auto;
                  right: 0;
                }.tdb-no-featured-img{
                  background-color: #f1f1f1;
                  width: 100%;
                  height: 500px;
                }.tdb-no-featured-audio{
                  height: 59px;
                }.tdi_84 .td-audio-player{
                    font-size: 12px;
                }.tdi_84:after{
                    content: '';
                    position: absolute;
                    top: 0;
                    left: 0;
                    width: 100%;
                    height: 100%;
                    background: -webkit-linear-gradient(0deg,rgba(0,0,0,0.7),rgba(255,255,255,0));background: linear-gradient(0deg,rgba(0,0,0,0.7),rgba(255,255,255,0));
                    pointer-events: none;
                }.tdi_84 .tdb-caption-text{
                    margin: 6px 0 0;
                }.tdi_84:hover .tdb-block-inner:before{
                    opacity: 0;
                }
</style>
<div class="tdi_84_rand_style td-element-style">
<div class="td-element-style-before"><style>
.tdi_84_rand_style > .td-element-style-before {
content:'' !important;
width:100% !important;
height:100% !important;
position:absolute !important;
top:0 !important;
left:0 !important;
display:block !important;
z-index:0 !important;
background-position:center center !important;
background-size:cover !important;
}
</style></div><style> </style></div><div class="tdb-block-inner td-fix-index">
                                    <img post-id="9196" fifu-featured="1" 
                                        width="" 
                                        height="" 
                                        class="entry-thumb" 
                                        src="https://image.cnbcfm.com/api/v1/image/107351544-1703606604376-gettyimages-1413887295-1f8a3491.jpeg?v=1703606667&w=1920&h=1080" 
                                        alt="Here are options for student loan borrowers struggling to make payments" title="Here are options for student loan borrowers struggling to make payments" 
                                        title=""
                                    />
                                    </div></div><div class="vc_row_inner tdi_86  vc_row vc_inner wpb_row td-pb-row absolute_inner_full" >
<style scoped>

/* custom css */
.tdi_86{
                    position: absolute !important;
                    top: 0;
                    z-index: 1;
                
                    top: auto;
                    bottom: 0;
                }.tdi_86,
				.tdi_86 .tdc-inner-columns{
				    display: block;
				}.tdi_86 .tdc-inner-columns{
				    width: 100%;
				}

/* phone */
@media (max-width: 767px){
.tdi_86{
                    position: relative !important;
                    top: 0;
                    transform: none;
                    -webkit-transform: none;
                }
}
/* inline tdc_css att */

.tdi_86{
width:calc(100% + ( 48px * 2 ) ) !important;
}

.tdi_86 .td_block_wrap{ text-align:left }

/* phone */
@media (max-width: 767px)
{
.tdi_86{
width:100% !important;
}
}

</style><div class="vc_column_inner tdi_88  wpb_column vc_column_container tdc-inner-column td-pb-span8">
<style scoped>

/* custom css */
.tdi_88{
                    vertical-align: baseline;
                }.tdi_88 .vc_column-inner > .wpb_wrapper,
				.tdi_88 .vc_column-inner > .wpb_wrapper .tdc-elements{
				    display: block;
				}.tdi_88 .vc_column-inner > .wpb_wrapper .tdc-elements{
				    width: 100%;
				}
/* inline tdc_css att */

.tdi_88{
padding-top:20px !important;
position:relative;
}

/* phone */
@media (max-width: 767px)
{
.tdi_88{
padding-top:10px !important;
}
}

</style>
<div class="tdi_87_rand_style td-element-style" ><style>
.tdi_87_rand_style{
background-color:#ffffff !important;
}
 </style></div><div class="vc_column-inner"><div class="wpb_wrapper" ><div class="td_block_wrap tdb_single_categories tdi_89 td-pb-border-top td_block_template_1 "   data-td-block-uid="tdi_89" >
<style>

/* inline tdc_css att */

.tdi_89{
margin-bottom:5px !important;
}

/* phone */
@media (max-width: 767px)
{
.tdi_89{
margin-bottom:5px !important;
display:none !important;
}
}

</style>
<style>
/* custom css */
.tdb_single_categories{
                  margin: 0 0 10px 0;
                  line-height: 1;
                  font-family: 'Open Sans', 'Open Sans Regular', sans-serif;
                }.tdb_single_categories a{
                  pointer-events: auto;
                  font-size: 10px;
                  display: inline-block;
                  margin: 0 5px 5px 0;
                  line-height: 1;
                  color: #fff;
                  padding: 3px 6px 4px 6px;
                  white-space: nowrap;
                  position: relative;
                  vertical-align: middle;
                }.tdb_single_categories a:hover .tdb-cat-bg{
                  opacity: 0.9;
                }.tdb_single_categories a:hover .tdb-cat-bg:before{
                  opacity: 1;
                }.tdb-category i:last-of-type{
                  display: none;
                }.tdb-cat-text{
                  display: inline-block;
                  vertical-align: middle;
                  margin-right: 10px;
                }.tdb-cat-sep{
                  font-size: 14px;
                  vertical-align: middle;
                  position: relative;
                }.tdb-cat-sep-svg{
                  line-height: 0;
                }.tdb-cat-sep-svg svg{
                  width: 14px;
                  height: auto;
                }.tdb-cat-bg{
                  position: absolute;
                  background-color: #222;
                  border: 1px solid #222;
                  width: 100%;
                  height: 100%;
                  top: 0;
                  left: 0;
                  z-index: -1;
                }.tdb-cat-bg:before{
                  content: '';
                  width: 100%;
                  height: 100%;
                  left: 0;
                  top: 0;
                  position: absolute;
                  z-index: -1;
                  opacity: 0;
                  -webkit-transition: opacity 0.3s ease;
                  transition: opacity 0.3s ease;
                }.tdb-cat-style2 .tdb-cat-bg{
                  background-color: rgba(34, 34, 34, 0.85);
                }.tdi_89 .tdb-cat-bg{
					border-width: 1px;
				}.tdi_89 .tdb-cat-sep{
					font-size: 14px;
				}.tdi_89 .tdb-cat-text{
					margin-right: 10px;
				}.td-theme-wrap .tdi_89{
					text-align: left;
				}
</style><div class="tdb-category td-fix-index"><a class="tdb-entry-category" href="https://modernbusinessinternational.com/category/investing/" ><span class="tdb-cat-bg"></span>INVESTING</a></div></div><div class="td_block_wrap tdb_title tdi_90 tdb-single-title td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_90" >
<style>

/* inline tdc_css att */

/* phone */
@media (max-width: 767px)
{
.tdi_90{
margin-bottom:5px !important;
padding-right:0px !important;
}
}

/* portrait */
@media (min-width: 768px) and (max-width: 1018px)
{
.tdi_90{
padding-right:0px !important;
}
}

</style>
<style>
/* custom css */
.tdb_title{
                  margin-bottom: 19px;
                }.tdb_title.tdb-content-horiz-center{
                  text-align: center;
                }.tdb_title.tdb-content-horiz-center .tdb-title-line{
                  margin: 0 auto;
                }.tdb_title.tdb-content-horiz-right{
                  text-align: right;
                }.tdb_title.tdb-content-horiz-right .tdb-title-line{
                  margin-left: auto;
                  margin-right: 0;
                }.tdb-title-text{
                  display: inline-block;
                  position: relative;
                  margin: 0;
                  word-wrap: break-word;
                  font-size: 30px;
                  line-height: 38px;
                  font-weight: 700;
                }.tdb-first-letter{
                  position: absolute;
                  -webkit-user-select: none;
                  user-select: none;
                  pointer-events: none;
                  text-transform: uppercase;
                  color: rgba(0, 0, 0, 0.08);
                  font-size: 6em;
                  font-weight: 300;
                  top: 50%;
                  -webkit-transform: translateY(-50%);
                  transform: translateY(-50%);
                  left: -0.36em;
                  z-index: -1;
                  -webkit-text-fill-color: initial;
                }.tdb-title-line{
                  display: none;
                  position: relative;
                }.tdb-title-line:after{
                  content: '';
                  width: 100%;
                  position: absolute;
                  background-color: #4db2ec;
                  top: 0;
                  left: 0;
                  margin: auto;
                }.tdb-single-title .tdb-title-text{
                  font-size: 41px;
                  line-height: 50px;
                  font-weight: 400;
                }.tdi_90 .tdb-title-text{
					color: #000000;
				
					font-family:Roboto Condensed !important;font-size:41px !important;line-height:1.2 !important;font-weight:700 !important;
				}.tdi_90 .tdb-title-line:after{
					height: 2px;
				
					bottom: 40%;
				}.tdi_90 .tdb-title-line{
					height: 50px;
				}.td-theme-wrap .tdi_90{
					text-align: left;
				}.tdi_90 .tdb-first-letter{
					left: -0.36em;
					right: auto;
				}

/* portrait */
@media (min-width: 768px) and (max-width: 1018px){
.tdi_90 .tdb-title-text{
					font-family:Roboto Condensed !important;font-size:36px !important;line-height:1.2 !important;font-weight:700 !important;
				}
}

/* phone */
@media (max-width: 767px){
.tdi_90 .tdb-title-text{
					font-family:Roboto Condensed !important;font-size:24px !important;line-height:1.2 !important;font-weight:700 !important;
				}
}
</style><div class="tdb-block-inner td-fix-index"><h1 class="tdb-title-text">Here are options for student loan borrowers struggling to make payments</h1><div></div><div class="tdb-title-line"></div></div></div><div class="td_block_wrap tdb_single_author tdi_92 td-pb-border-top td_block_template_1 tdb-post-meta"  data-td-block-uid="tdi_92" >
<style>

/* inline tdc_css att */

.tdi_92{
margin-bottom:0px !important;
padding-top:1px !important;
}

</style>
<style>
/* custom css */
.tdb-post-meta{
                  margin-bottom: 16px;
                  color: #444;
                  font-family: 'Open Sans', 'Open Sans Regular', sans-serif;
                  font-size: 11px;
                  font-weight: 400;
                  clear: none;
                  vertical-align: middle;
                  line-height: 1;
                }.tdb-post-meta span,
                .tdb-post-meta i,
                .tdb-post-meta time{
                  vertical-align: middle;
                }.tdb_single_author{
                  line-height: 30px;
                }.tdb_single_author a{
                  vertical-align: middle;
                }.tdb_single_author .tdb-block-inner{
                  display: flex;
                  align-items: center;
                }.tdb_single_author .tdb-author-name-wrap{
                  display: flex;
                }.tdb_single_author .tdb-author-name{
                  font-weight: 700;
                  margin-right: 3px;
                }.tdb_single_author .tdb-author-by{
                  margin-right: 3px;
                }.tdb_single_author .tdb-author-photo img{
                  display: block;
                }.tdi_92{
                    display: inline-block;
                }.tdi_92 .tdb-author-name-wrap{
                    align-items: baseline;
                }.tdi_92 .avatar{
                    width: 20px;
                    height: 20px;
                
                    margin-right: 6px;
                
                    border-radius: 50%;
                }.tdi_92 .tdb-author-by{
					color: #000000;
				}.tdi_92 .tdb-author-name{
					color: #000000;
				}
</style><div class="tdb-block-inner td-fix-index"><div class="tdb-author-name-wrap"><span class="tdb-author-by">By</span> <a class="tdb-author-name" href="https://modernbusinessinternational.com/author/modernbusinessinternational/">modernbusinessinternational</a></div></div></div><div class="tdm_block td_block_wrap tdm_block_inline_text tdi_93 tdm-inline-block td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_93" >
<style>

/* inline tdc_css att */

.tdi_93{
margin-bottom:0px !important;
padding-right:5px !important;
padding-left:3px !important;
}

</style>
<style>
/* custom css */
.tdm_block.tdm_block_inline_text{
                  margin-bottom: 0;
                  vertical-align: top;
                }.tdm_block.tdm_block_inline_text .tdm-descr{
                  margin-bottom: 0;
                  -webkit-transform: translateZ(0);
                  transform: translateZ(0);
                }.tdc-row-content-vert-center .tdm-inline-text-yes{
                  vertical-align: middle;
                }.tdc-row-content-vert-bottom .tdm-inline-text-yes{
                  vertical-align: bottom;
                }.tdi_93{
                    text-align: left !important;
                }.tdi_93 .tdm-descr{
                    color: #000000;
                
					line-height:30px !important;
				}
</style><p class="tdm-descr">-</p></div><div class="td_block_wrap tdb_single_date tdi_94 td-pb-border-top td_block_template_1 tdb-post-meta"  data-td-block-uid="tdi_94" >
<style>

/* inline tdc_css att */

.tdi_94{
margin-right:22px !important;
margin-bottom:0px !important;
}

/* phone */
@media (max-width: 767px)
{
.tdi_94{
margin-right:10px !important;
}
}

</style>
<style>
/* custom css */
.tdb_single_date{
                  line-height: 30px;
                }.tdb_single_date a{
                  vertical-align: middle;
                }.tdb_single_date .tdb-date-icon-svg{
                  position: relative;
                  line-height: 0;
                }.tdb_single_date svg{
                  height: auto;
                }.tdb_single_date svg,
                 .tdb_single_date svg *{
                  fill: #444;
                }.tdi_94{
                    display: inline-block;
                
					color: #000000;
				}.tdi_94 svg{
                    width: 14px;
                }.tdi_94 .tdb-date-icon{
                    margin-right: 5px;
                }.tdi_94 svg,
				.tdi_94 svg *{
					fill: #000000;
				}
</style><div class="tdb-block-inner td-fix-index"><time class="entry-date updated td-module-date" datetime="2023-12-26T17:25:23+00:00">December 26, 2023</time></div></div> <!-- ./block --><div class="td_block_wrap tdb_single_comments_count tdi_95 td-pb-border-top td_block_template_1 tdb-post-meta"  data-td-block-uid="tdi_95" >
<style>

/* inline tdc_css att */

.tdi_95{
margin-bottom:0px !important;
}

/* phone */
@media (max-width: 767px)
{
.tdi_95{
display:none !important;
}
}

</style>
<style>
/* custom css */
.tdb_single_comments_count{
                  line-height: 30px;
                }.tdb_single_comments_count .tdb-comm-icon-svg{
                  position: relative;
                  line-height: 0;
                }.tdb_single_comments_count svg{
                  height: auto;
                }.tdb_single_comments_count svg,
                 .tdb_single_comments_count svg *{
                  fill: #444;
                }.tdi_95{
                    float: right;
                
                    display: inline-block;
                }.tdi_95 i{
                    font-size: 10px;
                }.tdi_95 .tdb-comm-icon{
                    margin-right: 5px;
                }.tdi_95 a{
					color: #000000;
				}.tdi_95 a svg,
				.tdi_95 a svg *{
					fill: #000000;
				
					fill: #000000;
				}.tdi_95 a i{
					color: #000000;
				}
</style><div class="tdb-block-inner td-fix-index"><a href="https://modernbusinessinternational.com/2023/12/26/here-are-options-for-student-loan-borrowers-struggling-to-make-payments/#respond"><i class="tdb-comm-icon td-icon-comments"></i><span class="tdb-add-text"></span><span>0</span></a></div></div><div class="td_block_wrap tdb_single_post_views tdi_96 td-pb-border-top td_block_template_1 tdb-post-meta"  data-td-block-uid="tdi_96" >
<style>

/* inline tdc_css att */

.tdi_96{
margin-right:22px !important;
margin-bottom:0px !important;
}

/* phone */
@media (max-width: 767px)
{
.tdi_96{
margin-right:10px !important;
display:none !important;
}
}

</style>
<style>
/* custom css */
.tdb_single_post_views{
                  line-height: 30px;
                }.tdb_single_post_views a{
                  vertical-align: middle;
                }.tdb_single_post_views .tdb-views-icon-svg{
                  position: relative;
                  line-height: 0;
                }.tdb_single_post_views svg{
                  height: auto;
                }.tdb_single_post_views svg,
                 .tdb_single_post_views svg *{
                  fill: #444;
                }.tdi_96{
                    display: inline-block;
                
                    float: right;
                
					color: #000000;
				}.tdi_96 i{
                    font-size: 14px;
                
					color: #000000;
				}.tdi_96 .tdb-views-icon{
                    margin-right: 5px;
                }.tdi_96 svg,
				.tdi_96 svg *{
					fill: #000000;
				
					fill: #000000;
				}
</style><div class="tdb-block-inner td-fix-index"><i class="tdb-views-icon td-icon-views"></i><span class="tdb-add-text"></span><span class="td-nr-views-9196">91</span></div></div></div></div></div><div class="vc_column_inner tdi_98  wpb_column vc_column_container tdc-inner-column td-pb-span4">
<style scoped>

/* custom css */
.tdi_98{
                    vertical-align: baseline;
                }.tdi_98 .vc_column-inner > .wpb_wrapper,
				.tdi_98 .vc_column-inner > .wpb_wrapper .tdc-elements{
				    display: block;
				}.tdi_98 .vc_column-inner > .wpb_wrapper .tdc-elements{
				    width: 100%;
				}
/* inline tdc_css att */

/* phone */
@media (max-width: 767px)
{
.tdi_98{
display:none !important;
}
}

</style><div class="vc_column-inner"><div class="wpb_wrapper" ></div></div></div></div></div></div></div></div><div id="tdi_99" class="tdc-row"><div class="vc_row tdi_100 td-ss-row wpb_row td-pb-row" >
<style scoped>

/* custom css */
.tdi_100,
                .tdi_100 .tdc-columns{
                    min-height: 0;
                }.tdi_100,
				.tdi_100 .tdc-columns{
				    display: block;
				}.tdi_100 .tdc-columns{
				    width: 100%;
				}
</style><div class="vc_column tdi_102  wpb_column vc_column_container tdc-column td-pb-span8">
<style scoped>

/* custom css */
.tdi_102{
                    vertical-align: baseline;
                }.tdi_102 > .wpb_wrapper,
				.tdi_102 > .wpb_wrapper > .tdc-elements{
				    display: block;
				}.tdi_102 > .wpb_wrapper > .tdc-elements{
				    width: 100%;
				}.tdi_102 > .wpb_wrapper > .vc_row_inner{
				    width: auto;
				}.tdi_102 > .wpb_wrapper{
				    width: auto;
				    height: auto;
				}
</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_single_post_share tdi_103  td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_103" >
<style>

/* inline tdc_css att */

/* phone */
@media (max-width: 767px)
{
.tdi_103{
margin-bottom:20px !important;
}
}

</style>
<style>
/* custom css */
.tdb_single_post_share{
                  margin-bottom: 23px;
                }.tdb-share-classic{
                  position: relative;
                  height: 20px;
                  margin-bottom: 15px;
                }.td-post-sharing-show-all-icons .td-social-sharing-hidden .td-social-expand-tabs{
                    display: none;
                }.td-post-sharing_display-vertically .td-post-sharing-visible,
                .td-post-sharing_display-vertically .td-social-sharing-hidden{
                    display: flex;
                    flex-direction: column;
                }.tdi_103 .td-post-sharing-visible{
				    align-items: flex-start;
				}
</style><div id="tdi_103" class="td-post-sharing tdb-block td-ps-bg td-ps-padding td-post-sharing-style2 ">
		<style>
            .td-post-sharing-classic {
                position: relative;
                height: 20px;
            }
            .td-post-sharing {
                margin-left: -3px;
                margin-right: -3px;
                font-family: 'Open Sans', 'Open Sans Regular', sans-serif;
                z-index: 2;
                white-space: nowrap;
                opacity: 0;
            }
            .td-post-sharing.td-social-show-all {
                white-space: normal;
            }
            .td-js-loaded .td-post-sharing {
                -webkit-transition: opacity 0.3s;
                transition: opacity 0.3s;
                opacity: 1;
            }
            .td-post-sharing-classic + .td-post-sharing {
                margin-top: 15px;
                /* responsive portrait phone */
            }
            @media (max-width: 767px) {
                .td-post-sharing-classic + .td-post-sharing {
                    margin-top: 8px;
                }
            }
            .td-post-sharing-top {
                margin-bottom: 30px;
            }
            @media (max-width: 767px) {
                .td-post-sharing-top {
                    margin-bottom: 20px;
                }
            }
            .td-post-sharing-bottom {
                border-style: solid;
                border-color: #ededed;
                border-width: 1px 0;
                padding: 21px 0;
                margin-bottom: 42px;
            }
            .td-post-sharing-bottom .td-post-sharing {
                margin-bottom: -7px;
            }
            .td-post-sharing-visible,
            .td-social-sharing-hidden {
                display: inline-block;
            }
            .td-social-sharing-hidden ul {
                display: none;
            }
            .td-social-show-all .td-pulldown-filter-list {
                display: inline-block;
            }
            .td-social-network,
            .td-social-handler {
                position: relative;
                display: inline-block;
                margin: 0 3px 7px;
                height: 40px;
                min-width: 40px;
                font-size: 11px;
                text-align: center;
                vertical-align: middle;
            }
            .td-ps-notext .td-social-network .td-social-but-icon,
            .td-ps-notext .td-social-handler .td-social-but-icon {
                border-top-right-radius: 2px;
                border-bottom-right-radius: 2px;
            }
            .td-social-network {
                color: #000;
                overflow: hidden;
            }
            .td-social-network .td-social-but-icon {
                border-top-left-radius: 2px;
                border-bottom-left-radius: 2px;
            }
            .td-social-network .td-social-but-text {
                border-top-right-radius: 2px;
                border-bottom-right-radius: 2px;
            }
            .td-social-network:hover {
                opacity: 0.8 !important;
            }
            .td-social-handler {
                color: #444;
                border: 1px solid #e9e9e9;
                border-radius: 2px;
            }
            .td-social-handler .td-social-but-text {
                font-weight: 700;
            }
            .td-social-handler .td-social-but-text:before {
                background-color: #000;
                opacity: 0.08;
            }
            .td-social-share-text {
                margin-right: 18px;
            }
            .td-social-share-text:before,
            .td-social-share-text:after {
                content: '';
                position: absolute;
                top: 50%;
                -webkit-transform: translateY(-50%);
                transform: translateY(-50%);
                left: 100%;
                width: 0;
                height: 0;
                border-style: solid;
            }
            .td-social-share-text:before {
                border-width: 9px 0 9px 11px;
                border-color: transparent transparent transparent #e9e9e9;
            }
            .td-social-share-text:after {
                border-width: 8px 0 8px 10px;
                border-color: transparent transparent transparent #fff;
            }
            .td-social-but-text,
            .td-social-but-icon {
                display: inline-block;
                position: relative;
            }
            .td-social-but-icon {
                padding-left: 13px;
                padding-right: 13px;
                line-height: 40px;
                z-index: 1;
            }
            .td-social-but-icon i {
                position: relative;
                top: -1px;
                vertical-align: middle;
            }
            .td-social-but-text {
                margin-left: -6px;
                padding-left: 12px;
                padding-right: 17px;
                line-height: 40px;
            }
            .td-social-but-text:before {
                content: '';
                position: absolute;
                top: 12px;
                left: 0;
                width: 1px;
                height: 16px;
                background-color: #fff;
                opacity: 0.2;
                z-index: 1;
            }
            .td-social-handler i,
            .td-social-facebook i,
            .td-social-reddit i,
            .td-social-linkedin i,
            .td-social-tumblr i,
            .td-social-stumbleupon i,
            .td-social-vk i,
            .td-social-viber i,
            .td-social-flipboard i,
            .td-social-koo i {
                font-size: 14px;
            }
            .td-social-telegram i {
                font-size: 16px;
            }
            .td-social-mail i,
            .td-social-line i,
            .td-social-print i {
                font-size: 15px;
            }
            .td-social-handler .td-icon-share {
                top: -1px;
                left: -1px;
            }
            .td-social-twitter .td-icon-twitter {
                font-size: 12px;
            }
            .td-social-pinterest .td-icon-pinterest {
                font-size: 13px;
            }
            .td-social-whatsapp .td-icon-whatsapp,
            .td-social-kakao .td-icon-kakao {
                font-size: 18px;
            }
            .td-social-kakao .td-icon-kakao:before {
                color: #3C1B1D;
            }
            .td-social-reddit .td-social-but-icon {
                padding-right: 12px;
            }
            .td-social-reddit .td-icon-reddit {
                left: -1px;
            }
            .td-social-telegram .td-social-but-icon {
                padding-right: 12px;
            }
            .td-social-telegram .td-icon-telegram {
                left: -1px;
            }
            .td-social-stumbleupon .td-social-but-icon {
                padding-right: 11px;
            }
            .td-social-stumbleupon .td-icon-stumbleupon {
                left: -2px;
            }
            .td-social-digg .td-social-but-icon {
                padding-right: 11px;
            }
            .td-social-digg .td-icon-digg {
                left: -2px;
                font-size: 17px;
            }
            .td-social-vk .td-social-but-icon {
                padding-right: 11px;
            }
            .td-social-vk .td-icon-vk {
                left: -2px;
            }
            .td-social-naver .td-icon-naver {
                left: -1px;
                font-size: 16px;
            }
            .td-social-gettr .td-icon-gettr {
                font-size: 25px;
            }
            .td-ps-notext .td-social-gettr .td-icon-gettr {
                left: -5px;
            }
            .td-social-copy_url {
                position: relative;
            }
            .td-social-copy_url-check {
                position: absolute;
                top: 50%;
                left: 50%;
                transform: translate(-50%, -50%);
                color: #fff;
                opacity: 0;
                pointer-events: none;
                transition: opacity .2s ease-in-out;
                z-index: 11;
            }
            .td-social-copy_url .td-icon-copy_url {
                left: -1px;
                font-size: 17px;
            }
            .td-social-copy_url-disabled {
                pointer-events: none;
            }
            .td-social-copy_url-disabled .td-icon-copy_url {
                opacity: 0;
            }
            .td-social-copy_url-copied .td-social-copy_url-check {
                opacity: 1;
            }
            @keyframes social_copy_url_loader {
                0% {
                    -webkit-transform: rotate(0);
                    transform: rotate(0)
                }
                100% {
                    -webkit-transform: rotate(360deg);
                    transform: rotate(360deg)
                }
            }
            .td-social-expand-tabs i {
                top: -2px;
                left: -1px;
                font-size: 16px;
            }
            @media (min-width: 767px) {
                .td-social-line,
                .td-social-viber {
                    display: none;
                }
            }
            .td-ps-bg .td-social-network {
                color: #fff;
            }
            .td-ps-bg .td-social-facebook .td-social-but-icon,
            .td-ps-bg .td-social-facebook .td-social-but-text {
                background-color: #516eab;
            }
            .td-ps-bg .td-social-twitter .td-social-but-icon,
            .td-ps-bg .td-social-twitter .td-social-but-text {
                background-color: #29c5f6;
            }
            .td-ps-bg .td-social-pinterest .td-social-but-icon,
            .td-ps-bg .td-social-pinterest .td-social-but-text {
                background-color: #ca212a;
            }
            .td-ps-bg .td-social-whatsapp .td-social-but-icon,
            .td-ps-bg .td-social-whatsapp .td-social-but-text {
                background-color: #7bbf6a;
            }
            .td-ps-bg .td-social-reddit .td-social-but-icon,
            .td-ps-bg .td-social-reddit .td-social-but-text {
                background-color: #f54200;
            }
            .td-ps-bg .td-social-mail .td-social-but-icon,
            .td-ps-bg .td-social-digg .td-social-but-icon,
            .td-ps-bg .td-social-copy_url .td-social-but-icon,
            .td-ps-bg .td-social-mail .td-social-but-text,
            .td-ps-bg .td-social-digg .td-social-but-text,
            .td-ps-bg .td-social-copy_url .td-social-but-text {
                background-color: #000;
            }
            .td-ps-bg .td-social-print .td-social-but-icon,
            .td-ps-bg .td-social-print .td-social-but-text {
                background-color: #333;
            }
            .td-ps-bg .td-social-linkedin .td-social-but-icon,
            .td-ps-bg .td-social-linkedin .td-social-but-text {
                background-color: #0266a0;
            }
            .td-ps-bg .td-social-tumblr .td-social-but-icon,
            .td-ps-bg .td-social-tumblr .td-social-but-text {
                background-color: #3e5a70;
            }
            .td-ps-bg .td-social-telegram .td-social-but-icon,
            .td-ps-bg .td-social-telegram .td-social-but-text {
                background-color: #179cde;
            }
            .td-ps-bg .td-social-stumbleupon .td-social-but-icon,
            .td-ps-bg .td-social-stumbleupon .td-social-but-text {
                background-color: #ee4813;
            }
            .td-ps-bg .td-social-vk .td-social-but-icon,
            .td-ps-bg .td-social-vk .td-social-but-text {
                background-color: #4c75a3;
            }
            .td-ps-bg .td-social-line .td-social-but-icon,
            .td-ps-bg .td-social-line .td-social-but-text {
                background-color: #00b900;
            }
            .td-ps-bg .td-social-viber .td-social-but-icon,
            .td-ps-bg .td-social-viber .td-social-but-text {
                background-color: #5d54a4;
            }
            .td-ps-bg .td-social-naver .td-social-but-icon,
            .td-ps-bg .td-social-naver .td-social-but-text {
                background-color: #3ec729;
            }
            .td-ps-bg .td-social-flipboard .td-social-but-icon,
            .td-ps-bg .td-social-flipboard .td-social-but-text {
                background-color: #f42827;
            }
            .td-ps-bg .td-social-kakao .td-social-but-icon,
            .td-ps-bg .td-social-kakao .td-social-but-text {
                background-color: #f9e000;
            }
            .td-ps-bg .td-social-gettr .td-social-but-icon,
            .td-ps-bg .td-social-gettr .td-social-but-text {
                background-color: #fc223b;
            }
            .td-ps-bg .td-social-koo .td-social-but-icon,
            .td-ps-bg .td-social-koo .td-social-but-text {
                background-color: #facd00;
            }

            .td-ps-dark-bg .td-social-network {
                color: #fff;
            }
            .td-ps-dark-bg .td-social-network .td-social-but-icon,
            .td-ps-dark-bg .td-social-network .td-social-but-text {
                background-color: #000;
            }
            .td-ps-border .td-social-network .td-social-but-icon,
            .td-ps-border .td-social-network .td-social-but-text {
                line-height: 38px;
                border-width: 1px;
                border-style: solid;
            }
            .td-ps-border .td-social-network .td-social-but-text {
                border-left-width: 0;
            }
            .td-ps-border .td-social-network .td-social-but-text:before {
                background-color: #000;
                opacity: 0.08;
            }
            .td-ps-border.td-ps-padding .td-social-network .td-social-but-icon {
                border-right-width: 0;
            }
            .td-ps-border.td-ps-padding .td-social-network.td-social-expand-tabs .td-social-but-icon {
                border-right-width: 1px;
            }
            .td-ps-border-grey .td-social-but-icon,
            .td-ps-border-grey .td-social-but-text {
                border-color: #e9e9e9;
            }
            .td-ps-border-colored .td-social-facebook .td-social-but-icon,
            .td-ps-border-colored .td-social-facebook .td-social-but-text {
                border-color: #516eab;
            }
            .td-ps-border-colored .td-social-twitter .td-social-but-icon,
            .td-ps-border-colored .td-social-twitter .td-social-but-text {
                border-color: #29c5f6;
            }
            .td-ps-border-colored .td-social-pinterest .td-social-but-icon,
            .td-ps-border-colored .td-social-pinterest .td-social-but-text {
                border-color: #ca212a;
            }
            .td-ps-border-colored .td-social-whatsapp .td-social-but-icon,
            .td-ps-border-colored .td-social-whatsapp .td-social-but-text {
                border-color: #7bbf6a;
            }
            .td-ps-border-colored .td-social-reddit .td-social-but-icon,
            .td-ps-border-colored .td-social-reddit .td-social-but-text {
                border-color: #f54200;
            }
            .td-ps-border-colored .td-social-mail .td-social-but-icon,
            .td-ps-border-colored .td-social-digg .td-social-but-icon,
            .td-ps-border-colored .td-social-copy_url .td-social-but-icon,
            .td-ps-border-colored .td-social-mail .td-social-but-text,
            .td-ps-border-colored .td-social-digg .td-social-but-text,
            .td-ps-border-colored .td-social-copy_url .td-social-but-text {
                border-color: #000;
            }
            .td-ps-border-colored .td-social-print .td-social-but-icon,
            .td-ps-border-colored .td-social-print .td-social-but-text {
                border-color: #333;
            }
            .td-ps-border-colored .td-social-linkedin .td-social-but-icon,
            .td-ps-border-colored .td-social-linkedin .td-social-but-text {
                border-color: #0266a0;
            }
            .td-ps-border-colored .td-social-tumblr .td-social-but-icon,
            .td-ps-border-colored .td-social-tumblr .td-social-but-text {
                border-color: #3e5a70;
            }
            .td-ps-border-colored .td-social-telegram .td-social-but-icon,
            .td-ps-border-colored .td-social-telegram .td-social-but-text {
                border-color: #179cde;
            }
            .td-ps-border-colored .td-social-stumbleupon .td-social-but-icon,
            .td-ps-border-colored .td-social-stumbleupon .td-social-but-text {
                border-color: #ee4813;
            }
            .td-ps-border-colored .td-social-vk .td-social-but-icon,
            .td-ps-border-colored .td-social-vk .td-social-but-text {
                border-color: #4c75a3;
            }
            .td-ps-border-colored .td-social-line .td-social-but-icon,
            .td-ps-border-colored .td-social-line .td-social-but-text {
                border-color: #00b900;
            }
            .td-ps-border-colored .td-social-viber .td-social-but-icon,
            .td-ps-border-colored .td-social-viber .td-social-but-text {
                border-color: #5d54a4;
            }
            .td-ps-border-colored .td-social-naver .td-social-but-icon,
            .td-ps-border-colored .td-social-naver .td-social-but-text {
                border-color: #3ec729;
            }
            .td-ps-border-colored .td-social-flipboard .td-social-but-icon,
            .td-ps-border-colored .td-social-flipboard .td-social-but-text {
                border-color: #f42827;
            }
            .td-ps-border-colored .td-social-kakao .td-social-but-icon,
            .td-ps-border-colored .td-social-kakao .td-social-but-text {
                border-color: #f9e000;
            }
            .td-ps-border-colored .td-social-gettr .td-social-but-icon,
            .td-ps-border-colored .td-social-gettr .td-social-but-text {
                border-color: #fc223b;
            }
            .td-ps-border-colored .td-social-koo .td-social-but-icon,
            .td-ps-border-colored .td-social-koo .td-social-but-text {
                border-color: #facd00;
            }
            .td-ps-icon-bg .td-social-but-icon {
                height: 100%;
                border-color: transparent !important;
            }
            .td-ps-icon-bg .td-social-network .td-social-but-icon {
                color: #fff;
            }
            .td-ps-icon-bg .td-social-facebook .td-social-but-icon {
                background-color: #516eab;
            }
            .td-ps-icon-bg .td-social-twitter .td-social-but-icon {
                background-color: #29c5f6;
            }
            .td-ps-icon-bg .td-social-pinterest .td-social-but-icon {
                background-color: #ca212a;
            }
            .td-ps-icon-bg .td-social-whatsapp .td-social-but-icon {
                background-color: #7bbf6a;
            }
            .td-ps-icon-bg .td-social-reddit .td-social-but-icon {
                background-color: #f54200;
            }
            .td-ps-icon-bg .td-social-mail .td-social-but-icon,
            .td-ps-icon-bg .td-social-digg .td-social-but-icon,
            .td-ps-icon-bg .td-social-copy_url .td-social-but-icon {
                background-color: #000;
            }
            .td-ps-icon-bg .td-social-print .td-social-but-icon {
                background-color: #333;
            }
            .td-ps-icon-bg .td-social-linkedin .td-social-but-icon {
                background-color: #0266a0;
            }
            .td-ps-icon-bg .td-social-tumblr .td-social-but-icon {
                background-color: #3e5a70;
            }
            .td-ps-icon-bg .td-social-telegram .td-social-but-icon {
                background-color: #179cde;
            }
            .td-ps-icon-bg .td-social-stumbleupon .td-social-but-icon {
                background-color: #ee4813;
            }
            .td-ps-icon-bg .td-social-vk .td-social-but-icon {
                background-color: #4c75a3;
            }
            .td-ps-icon-bg .td-social-line .td-social-but-icon {
                background-color: #00b900;
            }
            .td-ps-icon-bg .td-social-viber .td-social-but-icon {
                background-color: #5d54a4;
            }
            .td-ps-icon-bg .td-social-naver .td-social-but-icon {
                background-color: #3ec729;
            }
            .td-ps-icon-bg .td-social-flipboard .td-social-but-icon {
                background-color: #f42827;
            }
            .td-ps-icon-bg .td-social-kakao .td-social-but-icon {
                background-color: #f9e000;
            }
            .td-ps-icon-bg .td-social-gettr .td-social-but-icon {
                background-color: #fc223b;
            }
            .td-ps-icon-bg .td-social-koo .td-social-but-icon {
                background-color: #facd00;
            }
            .td-ps-icon-bg .td-social-but-text {
                margin-left: -3px;
            }
            .td-ps-icon-bg .td-social-network .td-social-but-text:before {
                display: none;
            }
            .td-ps-icon-arrow .td-social-network .td-social-but-icon:after {
                content: '';
                position: absolute;
                top: 50%;
                -webkit-transform: translateY(-50%);
                transform: translateY(-50%);
                left: calc(100% + 1px);
                width: 0;
                height: 0;
                border-style: solid;
                border-width: 9px 0 9px 11px;
                border-color: transparent transparent transparent #000;
            }
            .td-ps-icon-arrow .td-social-network .td-social-but-text {
                padding-left: 20px;
            }
            .td-ps-icon-arrow .td-social-network .td-social-but-text:before {
                display: none;
            }
            .td-ps-icon-arrow.td-ps-padding .td-social-network .td-social-but-icon:after {
                left: 100%;
            }
            .td-ps-icon-arrow .td-social-facebook .td-social-but-icon:after {
                border-left-color: #516eab;
            }
            .td-ps-icon-arrow .td-social-twitter .td-social-but-icon:after {
                border-left-color: #29c5f6;
            }
            .td-ps-icon-arrow .td-social-pinterest .td-social-but-icon:after {
                border-left-color: #ca212a;
            }
            .td-ps-icon-arrow .td-social-whatsapp .td-social-but-icon:after {
                border-left-color: #7bbf6a;
            }
            .td-ps-icon-arrow .td-social-reddit .td-social-but-icon:after {
                border-left-color: #f54200;
            }
            .td-ps-icon-arrow .td-social-mail .td-social-but-icon:after,
            .td-ps-icon-arrow .td-social-digg .td-social-but-icon:after,
            .td-ps-icon-arrow .td-social-copy_url .td-social-but-icon:after {
                border-left-color: #000;
            }
            .td-ps-icon-arrow .td-social-print .td-social-but-icon:after {
                border-left-color: #333;
            }
            .td-ps-icon-arrow .td-social-linkedin .td-social-but-icon:after {
                border-left-color: #0266a0;
            }
            .td-ps-icon-arrow .td-social-tumblr .td-social-but-icon:after {
                border-left-color: #3e5a70;
            }
            .td-ps-icon-arrow .td-social-telegram .td-social-but-icon:after {
                border-left-color: #179cde;
            }
            .td-ps-icon-arrow .td-social-stumbleupon .td-social-but-icon:after {
                border-left-color: #ee4813;
            }
            .td-ps-icon-arrow .td-social-vk .td-social-but-icon:after {
                border-left-color: #4c75a3;
            }
            .td-ps-icon-arrow .td-social-line .td-social-but-icon:after {
                border-left-color: #00b900;
            }
            .td-ps-icon-arrow .td-social-viber .td-social-but-icon:after {
                border-left-color: #5d54a4;
            }
            .td-ps-icon-arrow .td-social-naver .td-social-but-icon:after {
                border-left-color: #3ec729;
            }
            .td-ps-icon-arrow .td-social-flipboard .td-social-but-icon:after {
                border-left-color: #f42827;
            }
            .td-ps-icon-arrow .td-social-kakao .td-social-but-icon:after {
                border-left-color: #f9e000;
            }
            .td-ps-icon-arrow .td-social-gettr .td-social-but-icon:after {
                border-left-color: #fc223b;
            }
            .td-ps-icon-arrow .td-social-koo .td-social-but-icon:after {
                border-left-color: #facd00;
            }
            .td-ps-icon-arrow .td-social-expand-tabs .td-social-but-icon:after {
                display: none;
            }
            .td-ps-icon-color .td-social-facebook .td-social-but-icon {
                color: #516eab;
            }
            .td-ps-icon-color .td-social-twitter .td-social-but-icon {
                color: #29c5f6;
            }
            .td-ps-icon-color .td-social-pinterest .td-social-but-icon {
                color: #ca212a;
            }
            .td-ps-icon-color .td-social-whatsapp .td-social-but-icon {
                color: #7bbf6a;
            }
            .td-ps-icon-color .td-social-reddit .td-social-but-icon {
                color: #f54200;
            }
            .td-ps-icon-color .td-social-mail .td-social-but-icon,
            .td-ps-icon-color .td-social-digg .td-social-but-icon,
            .td-ps-icon-color .td-social-copy_url .td-social-but-icon,
            .td-ps-icon-color .td-social-copy_url-check {
                color: #000;
            }
            .td-ps-icon-color .td-social-print .td-social-but-icon {
                color: #333;
            }
            .td-ps-icon-color .td-social-linkedin .td-social-but-icon {
                color: #0266a0;
            }
            .td-ps-icon-color .td-social-tumblr .td-social-but-icon {
                color: #3e5a70;
            }
            .td-ps-icon-color .td-social-telegram .td-social-but-icon {
                color: #179cde;
            }
            .td-ps-icon-color .td-social-stumbleupon .td-social-but-icon {
                color: #ee4813;
            }
            .td-ps-icon-color .td-social-vk .td-social-but-icon {
                color: #4c75a3;
            }
            .td-ps-icon-color .td-social-line .td-social-but-icon {
                color: #00b900;
            }
            .td-ps-icon-color .td-social-viber .td-social-but-icon {
                color: #5d54a4;
            }
            .td-ps-icon-color .td-social-naver .td-social-but-icon {
                color: #3ec729;
            }
            .td-ps-icon-color .td-social-flipboard .td-social-but-icon {
                color: #f42827;
            }
            .td-ps-icon-color .td-social-kakao .td-social-but-icon {
                color: #f9e000;
            }
            .td-ps-icon-color .td-social-gettr .td-social-but-icon {
                color: #fc223b;
            }
            .td-ps-icon-color .td-social-koo .td-social-but-icon {
                color: #facd00;
            }
            .td-ps-text-color .td-social-but-text {
                font-weight: 700;
            }
            .td-ps-text-color .td-social-facebook .td-social-but-text {
                color: #516eab;
            }
            .td-ps-text-color .td-social-twitter .td-social-but-text {
                color: #29c5f6;
            }
            .td-ps-text-color .td-social-pinterest .td-social-but-text {
                color: #ca212a;
            }
            .td-ps-text-color .td-social-whatsapp .td-social-but-text {
                color: #7bbf6a;
            }
            .td-ps-text-color .td-social-reddit .td-social-but-text {
                color: #f54200;
            }
            .td-ps-text-color .td-social-mail .td-social-but-text,
            .td-ps-text-color .td-social-digg .td-social-but-text,
            .td-ps-text-color .td-social-copy_url .td-social-but-text {
                color: #000;
            }
            .td-ps-text-color .td-social-print .td-social-but-text {
                color: #333;
            }
            .td-ps-text-color .td-social-linkedin .td-social-but-text {
                color: #0266a0;
            }
            .td-ps-text-color .td-social-tumblr .td-social-but-text {
                color: #3e5a70;
            }
            .td-ps-text-color .td-social-telegram .td-social-but-text {
                color: #179cde;
            }
            .td-ps-text-color .td-social-stumbleupon .td-social-but-text {
                color: #ee4813;
            }
            .td-ps-text-color .td-social-vk .td-social-but-text {
                color: #4c75a3;
            }
            .td-ps-text-color .td-social-line .td-social-but-text {
                color: #00b900;
            }
            .td-ps-text-color .td-social-viber .td-social-but-text {
                color: #5d54a4;
            }
            .td-ps-text-color .td-social-naver .td-social-but-text {
                color: #3ec729;
            }
            .td-ps-text-color .td-social-flipboard .td-social-but-text {
                color: #f42827;
            }
            .td-ps-text-color .td-social-kakao .td-social-but-text {
                color: #f9e000;
            }
            .td-ps-text-color .td-social-gettr .td-social-but-text {
                color: #fc223b;
            }
            .td-ps-text-color .td-social-koo .td-social-but-text {
                color: #facd00;
            }
            .td-ps-text-color .td-social-expand-tabs .td-social-but-text {
                color: #b1b1b1;
            }
            .td-ps-notext .td-social-but-icon {
                width: 40px;
            }
            .td-ps-notext .td-social-network .td-social-but-text {
                display: none;
            }
            .td-ps-padding .td-social-network .td-social-but-icon {
                padding-left: 17px;
                padding-right: 17px;
            }
            .td-ps-padding .td-social-handler .td-social-but-icon {
                width: 40px;
            }
            .td-ps-padding .td-social-reddit .td-social-but-icon,
            .td-ps-padding .td-social-telegram .td-social-but-icon {
                padding-right: 16px;
            }
            .td-ps-padding .td-social-stumbleupon .td-social-but-icon,
            .td-ps-padding .td-social-digg .td-social-but-icon,
            .td-ps-padding .td-social-expand-tabs .td-social-but-icon {
                padding-right: 13px;
            }
            .td-ps-padding .td-social-vk .td-social-but-icon {
                padding-right: 14px;
            }
            .td-ps-padding .td-social-expand-tabs .td-social-but-icon {
                padding-left: 13px;
            }
            .td-ps-rounded .td-social-network .td-social-but-icon {
                border-top-left-radius: 100px;
                border-bottom-left-radius: 100px;
            }
            .td-ps-rounded .td-social-network .td-social-but-text {
                border-top-right-radius: 100px;
                border-bottom-right-radius: 100px;
            }
            .td-ps-rounded.td-ps-notext .td-social-network .td-social-but-icon {
                border-top-right-radius: 100px;
                border-bottom-right-radius: 100px;
            }
            .td-ps-rounded .td-social-expand-tabs {
                border-radius: 100px;
            }
            .td-ps-bar .td-social-network .td-social-but-icon,
            .td-ps-bar .td-social-network .td-social-but-text {
                -webkit-box-shadow: inset 0px -3px 0px 0px rgba(0, 0, 0, 0.31);
                box-shadow: inset 0px -3px 0px 0px rgba(0, 0, 0, 0.31);
            }
            .td-ps-bar .td-social-mail .td-social-but-icon,
            .td-ps-bar .td-social-digg .td-social-but-icon,
            .td-ps-bar .td-social-copy_url .td-social-but-icon,
            .td-ps-bar .td-social-mail .td-social-but-text,
            .td-ps-bar .td-social-digg .td-social-but-text,
            .td-ps-bar .td-social-copy_url .td-social-but-text {
                -webkit-box-shadow: inset 0px -3px 0px 0px rgba(255, 255, 255, 0.28);
                box-shadow: inset 0px -3px 0px 0px rgba(255, 255, 255, 0.28);
            }
            .td-ps-bar .td-social-print .td-social-but-icon,
            .td-ps-bar .td-social-print .td-social-but-text {
                -webkit-box-shadow: inset 0px -3px 0px 0px rgba(255, 255, 255, 0.2);
                box-shadow: inset 0px -3px 0px 0px rgba(255, 255, 255, 0.2);
            }
            .td-ps-big .td-social-but-icon {
                display: block;
                line-height: 60px;
            }
            .td-ps-big .td-social-but-icon .td-icon-share {
                width: auto;
            }
            .td-ps-big .td-social-handler .td-social-but-text:before {
                display: none;
            }
            .td-ps-big .td-social-share-text .td-social-but-icon {
                width: 90px;
            }
            .td-ps-big .td-social-expand-tabs .td-social-but-icon {
                width: 60px;
            }
            @media (max-width: 767px) {
                .td-ps-big .td-social-share-text {
                    display: none;
                }
            }
            .td-ps-big .td-social-facebook i,
            .td-ps-big .td-social-reddit i,
            .td-ps-big .td-social-mail i,
            .td-ps-big .td-social-linkedin i,
            .td-ps-big .td-social-tumblr i,
            .td-ps-big .td-social-stumbleupon i {
                margin-top: -2px;
            }
            .td-ps-big .td-social-facebook i,
            .td-ps-big .td-social-reddit i,
            .td-ps-big .td-social-linkedin i,
            .td-ps-big .td-social-tumblr i,
            .td-ps-big .td-social-stumbleupon i,
            .td-ps-big .td-social-vk i,
            .td-ps-big .td-social-viber i,
            .td-ps-big .td-social-fliboard i,
            .td-ps-big .td-social-koo i,
            .td-ps-big .td-social-share-text i {
                font-size: 22px;
            }
            .td-ps-big .td-social-telegram i {
                font-size: 24px;
            }
            .td-ps-big .td-social-mail i,
            .td-ps-big .td-social-line i,
            .td-ps-big .td-social-print i {
                font-size: 23px;
            }
            .td-ps-big .td-social-twitter i,
            .td-ps-big .td-social-expand-tabs i {
                font-size: 20px;
            }
            .td-ps-big .td-social-whatsapp i,
            .td-ps-big .td-social-naver i,
            .td-ps-big .td-social-flipboard i,
            .td-ps-big .td-social-kakao i {
                font-size: 26px;
            }
            .td-ps-big .td-social-pinterest .td-icon-pinterest {
                font-size: 21px;
            }
            .td-ps-big .td-social-telegram .td-icon-telegram {
                left: 1px;
            }
            .td-ps-big .td-social-stumbleupon .td-icon-stumbleupon {
                left: -2px;
            }
            .td-ps-big .td-social-digg .td-icon-digg {
                left: -1px;
                font-size: 25px;
            }
            .td-ps-big .td-social-vk .td-icon-vk {
                left: -1px;
            }
            .td-ps-big .td-social-naver .td-icon-naver {
                left: 0;
            }
            .td-ps-big .td-social-gettr .td-icon-gettr {
                left: -1px;
            }
            .td-ps-big .td-social-copy_url .td-icon-copy_url {
                left: 0;
                font-size: 25px;
            }
            .td-ps-big .td-social-copy_url-check {
                font-size: 18px;
            }
            .td-ps-big .td-social-but-text {
                margin-left: 0;
                padding-top: 0;
                padding-left: 17px;
            }
            .td-ps-big.td-ps-notext .td-social-network,
            .td-ps-big.td-ps-notext .td-social-handler {
                height: 60px;
            }
            .td-ps-big.td-ps-notext .td-social-network {
                width: 60px;
            }
            .td-ps-big.td-ps-notext .td-social-network .td-social-but-icon {
                width: 60px;
            }
            .td-ps-big.td-ps-notext .td-social-share-text .td-social-but-icon {
                line-height: 40px;
            }
            .td-ps-big.td-ps-notext .td-social-share-text .td-social-but-text {
                display: block;
                line-height: 1;
            }
            .td-ps-big.td-ps-padding .td-social-network,
            .td-ps-big.td-ps-padding .td-social-handler {
                height: 90px;
                font-size: 13px;
            }
            .td-ps-big.td-ps-padding .td-social-network {
                min-width: 60px;
            }
            .td-ps-big.td-ps-padding .td-social-but-icon {
                border-bottom-left-radius: 0;
                border-top-right-radius: 2px;
            }
            .td-ps-big.td-ps-padding.td-ps-bar .td-social-but-icon {
                -webkit-box-shadow: none;
                box-shadow: none;
            }
            .td-ps-big.td-ps-padding .td-social-but-text {
                display: block;
                padding-bottom: 17px;
                line-height: 1;
                border-top-left-radius: 0;
                border-top-right-radius: 0;
                border-bottom-left-radius: 2px;
            }
            .td-ps-big.td-ps-padding .td-social-but-text:before {
                display: none;
            }
            .td-ps-big.td-ps-padding .td-social-expand-tabs i {
                line-height: 90px;
            }
            .td-ps-nogap {
                margin-left: 0;
                margin-right: 0;
            }
            .td-ps-nogap .td-social-network,
            .td-ps-nogap .td-social-handler {
                margin-left: 0;
                margin-right: 0;
                border-radius: 0;
            }
            .td-ps-nogap .td-social-network .td-social-but-icon,
            .td-ps-nogap .td-social-network .td-social-but-text {
                border-radius: 0;
            }
            .td-ps-nogap .td-social-expand-tabs {
                border-radius: 0;
            }
            .td-post-sharing-style7 .td-social-network .td-social-but-icon {
                height: 100%;
            }
            .td-post-sharing-style7 .td-social-network .td-social-but-icon:before {
                content: '';
                position: absolute;
                top: 0;
                left: 0;
                width: 100%;
                height: 100%;
                background-color: rgba(0, 0, 0, 0.31);
            }
            .td-post-sharing-style7 .td-social-network .td-social-but-text {
                padding-left: 17px;
            }
            .td-post-sharing-style7 .td-social-network .td-social-but-text:before {
                display: none;
            }
            .td-post-sharing-style7 .td-social-mail .td-social-but-icon:before,
            .td-post-sharing-style7 .td-social-digg .td-social-but-icon:before,
            .td-post-sharing-style7 .td-social-copy_url .td-social-but-icon:before {
                background-color: rgba(255, 255, 255, 0.2);
            }
            .td-post-sharing-style7 .td-social-print .td-social-but-icon:before {
                background-color: rgba(255, 255, 255, 0.1);
            }
            @media (max-width: 767px) {
                .td-post-sharing-style1 .td-social-share-text .td-social-but-text,
                .td-post-sharing-style3 .td-social-share-text .td-social-but-text,
                .td-post-sharing-style5 .td-social-share-text .td-social-but-text,
                .td-post-sharing-style14 .td-social-share-text .td-social-but-text,
                .td-post-sharing-style16 .td-social-share-text .td-social-but-text {
                    display: none !important;
                }
            }
            @media (max-width: 767px) {
                .td-post-sharing-style2 .td-social-share-text,
                .td-post-sharing-style4 .td-social-share-text,
                .td-post-sharing-style6 .td-social-share-text,
                .td-post-sharing-style7 .td-social-share-text,
                .td-post-sharing-style15 .td-social-share-text,
                .td-post-sharing-style17 .td-social-share-text,
                .td-post-sharing-style18 .td-social-share-text,
                .td-post-sharing-style19 .td-social-share-text,
                .td-post-sharing-style20 .td-social-share-text {
                    display: none !important;
                }
            }

        </style>

		<div class="td-post-sharing-visible"><a class="td-social-sharing-button td-social-sharing-button-js td-social-network td-social-facebook" href="https://www.facebook.com/sharer.php?u=https%3A%2F%2Fmodernbusinessinternational.com%2Ftag%2Fsustainable-energy-initiatives%2F" title="Facebook" ><div class="td-social-but-icon"><i class="td-icon-facebook"></i></div><div class="td-social-but-text">Facebook</div></a><a class="td-social-sharing-button td-social-sharing-button-js td-social-network td-social-twitter" href="https://twitter.com/intent/tweet?text=Sustainable+energy+initiatives&url=https%3A%2F%2Fmodernbusinessinternational.com%2Ftag%2Fsustainable-energy-initiatives%2F&via=Modern+Business+International" title="Twitter" ><div class="td-social-but-icon"><i class="td-icon-twitter"></i></div><div class="td-social-but-text">Twitter</div></a><a class="td-social-sharing-button td-social-sharing-button-js td-social-network td-social-pinterest" href="https://pinterest.com/pin/create/button/?url=https://modernbusinessinternational.com/tag/sustainable-energy-initiatives/&amp;media=&description=Sustainable+energy+initiatives" title="Pinterest" ><div class="td-social-but-icon"><i class="td-icon-pinterest"></i></div><div class="td-social-but-text">Pinterest</div></a><a class="td-social-sharing-button td-social-sharing-button-js td-social-network td-social-whatsapp" href="https://api.whatsapp.com/send?text=Sustainable+energy+initiatives %0A%0A https://modernbusinessinternational.com/tag/sustainable-energy-initiatives/" title="WhatsApp" ><div class="td-social-but-icon"><i class="td-icon-whatsapp"></i></div><div class="td-social-but-text">WhatsApp</div></a></div><div class="td-social-sharing-hidden"><ul class="td-pulldown-filter-list"></ul><a class="td-social-sharing-button td-social-handler td-social-expand-tabs" href="#" data-block-uid="tdi_103" title="More">
                                    <div class="td-social-but-icon"><i class="td-icon-plus td-social-expand-tabs-icon"></i></div>
                                </a></div></div></div><div class="td_block_wrap tdb_single_content tdi_104 td-pb-border-top td_block_template_1 td-post-content tagdiv-type"  data-td-block-uid="tdi_104" >
<style>

/* inline tdc_css att */

/* phone */
@media (max-width: 767px)
{
.tdi_104{
margin-top:0px !important;
}
}

</style>
<style>
/* custom css */
.tdb_single_content{
                  margin-bottom: 0;
                  *zoom: 1;
                }.tdb_single_content:before,
                .tdb_single_content:after{
                  display: table;
                  content: '';
                  line-height: 0;
                }.tdb_single_content:after{
                  clear: both;
                }.tdb_single_content .tdb-block-inner > *:not(.wp-block-quote):not(.alignwide):not(.alignfull.wp-block-cover.has-parallax):not(.td-a-ad){
                  margin-left: auto;
                  margin-right: auto;
                }.tdb_single_content a{
                  pointer-events: auto;
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<p>Many student loan borrowers are struggling to <a href="https://www.cnbc.com/2023/12/18/only-60percent-of-student-loan-borrowers-made-payments-when-bills-restarted.html">resume their payments</a>.</p>
<p>When <a href="https://www.cnbc.com/2023/10/01/how-the-restart-of-student-loan-payments-could-shake-the-economy.html">the bills restarted after a more than three-year-long reprieve</a>, just 60% of people with federal education loans had made a payment by mid-November, U.S. Department of Education data shows.</p>
<p>&#8220;The fact that so few borrowers have been able to make a payment is unfortunately unsurprising,&#8221; said <a href="https://protectborrowers.org/who-we-are/our-team/" target="_blank" rel="noopener">Persis Yu</a>, deputy executive director at the Student Borrower Protection Center. &#8220;[People] were struggling to make payments before the pandemic.&#8221;</p>
<p>Outstanding education debt in the U.S. has surpassed $1.7 trillion. In fact, education debt burdens Americans more than credit card or auto debt. The average loan balance at graduation has tripled since the 1990s, to $30,000 from $10,000. Around 7% of student loan borrowers owe more than $100,000.</p>
<p>To help cushion the blow of resuming payments, the Biden administration is implementing a 12-month <a href="https://www.ed.gov/news/press-releases/fact-sheet-president-biden-announces-new-actions-provide-debt-relief-and-support-student-loan-borrowers" target="_blank" rel="noopener">&#8220;on ramp&#8221; to repayment</a>, during which borrowers are shielded from the worst consequences of falling behind. <a href="https://www.cnbc.com/joe-biden/">President Joe Biden</a> also said <a href="https://www.cnbc.com/2023/07/12/could-student-loan-forgiveness-still-happen-biden-is-working-on-it.html">his administration is still trying to figure out a way to cancel student debt after the Supreme Court struck down its first plan.</a></p>
<p>Here are the other options for borrowers unable to pay their bills.</p>
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<h2 class="ArticleBody-subtitle"><a id="headline0"/>1. Deferments</h2>
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<p>Struggling borrowers should first see if they qualify for a deferment, experts say. That&#8217;s because their loans may not accrue interest under that option, whereas they almost always do in a forbearance.</p>
<p>If you&#8217;re unemployed when student loan payments resume, you can request an <a href="https://studentaid.gov/sites/default/files/UnemploymentDeferment.pdf" target="_blank" rel="noopener">unemployment deferment</a> with your servicer. If you&#8217;re dealing with another financial challenge, meanwhile, you may be eligible for an <a href="https://studentaid.gov/sites/default/files/EconomicHardshipDeferment.pdf" target="_blank" rel="noopener">economic hardship</a><a href="https://studentaid.gov/sites/default/files/UnemploymentDeferment.pdf" target="_blank" rel="noopener"> deferment</a>.</p>
<p>Those who qualify for a hardship deferment include people receiving certain types of federal or state aid and anyone volunteering in the Peace Corps, said higher education expert Mark Kantrowitz.</p>
<p><strong>More from Personal Finance:</strong><br /><a href="https://www.cnbc.com/2023/12/21/irs-unveils-employee-retention-credit-voluntary-disclosure-program.html">IRS unveils disclosure program for businesses duped by pandemic-era tax credit</a><br /><a href="https://www.cnbc.com/2023/12/19/3-year-end-investment-tax-tips-from-top-ranked-financial-advisors.html">3 year-end investment tax tips from top-ranked financial advisors</a><br /><a href="https://www.cnbc.com/2023/12/20/irs-offers-1-billion-in-penalty-relief-what-taxpayers-need-to-know.html">IRS waives $1 billion in penalties. Who qualifies and how much taxpayers may get</a></p>
<p>With both a hardship and an unemployment deferment, interest generally doesn&#8217;t accrue on undergraduate subsidized loans. Other loans, however, will rack up interest.</p>
<p>The maximum amount of time you can use an unemployment or hardship deferment is usually <a href="https://www.savingforcollege.com/article/how-to-apply-for-an-economic-hardship-deferment" target="_blank" rel="noopener">three years</a>, per type<strong>.</strong></p>
<p>Other, lesser-known deferments include the <a href="https://studentaid.gov/sites/default/files/GraduateFellowshipDeferment.pdf" target="_blank" rel="noopener">graduate fellowship deferment</a>, the <a href="https://studentaid.gov/sites/default/files/MilitaryServiceandPostActiveDutyStudentDeferment-en-us.pdf" target="_blank" rel="noopener">military service and post-active duty deferment</a> and the <a href="https://studentaid.gov/sites/default/files/CancerTreatmentDeferment-en-us.pdf" target="_blank" rel="noopener">cancer treatment deferment</a>.</p>
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<h2 class="ArticleBody-subtitle"><a id="headline1"/>2. Forbearances</h2>
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<p>Student loan borrowers who don&#8217;t qualify for a deferment may request <a href="https://studentaid.gov/manage-loans/lower-payments/get-temporary-relief/forbearance" target="_blank" rel="noopener">a forbearance</a>.</p>
<p>Under this option, borrowers can keep their loans on hold for as long as three years. However, because interest accrues during the forbearance period, borrowers can be hit with a larger bill when it ends.</p>
<p>Kantrowitz provided an example: A $30,000 student loan with a 5% interest rate would increase by $1,500 a year under a forbearance.</p>
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<p>If a borrower uses a forbearance, he recommends they at least try to keep up with their interest payments during the pause to prevent their debt from increasing.</p>
<p>&#8220;A deferment or forbearance should be a last resort, but they are better than defaulting on the loans,&#8221; Kantrowitz said.</p>
<p>Betsy Mayotte, president of <a href="http://freestudentloanadvice.org/" target="_blank" rel="noopener">The Institute of Student Loan Advisors</a>, a nonprofit, recommends borrowers only use a forbearance or deferment for a short-term hardship, including a sudden big medical expense or period of joblessness.</p>
<p>Borrowers are best off finding a payment plan they can afford, Mayotte said. </p>
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<h2 class="ArticleBody-subtitle"><a id="headline2"/>3. Income-driven repayment plans</h2>
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<p><a href="https://studentaid.gov/manage-loans/repayment/plans/income-driven" target="_blank" rel="noopener">Income-driven repayment plans</a> can be a great option for borrowers who are worried they won&#8217;t be able to afford their bills, experts say.</p>
<p>Those plans cap your monthly payments at a percentage of your discretionary income and forgive any of your remaining debt after 20 or 25 years.</p>
<p>The Biden administration recently introduced a new repayment option under which borrowers could pay <a href="https://www.cnbc.com/2023/02/15/biden-administration-making-big-change-to-student-loan-repayment-.html">just 5%</a> of their discretionary income toward their undergraduate student loans, with some people having a $0 monthly bill.</p>
<p>Some of the benefits of the Saving on a Valuable Education (SAVE) plan, however, won&#8217;t fully go into effect until the summer of 2024 because of the timeline of regulatory changes.</p>
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<br /><a href="https://www.cnbc.com/2023/12/26/here-are-options-for-student-loan-borrowers-struggling-to-make-payments-.html">Source link </a> a fun game: <a href="https://sprunkihelp.com/sprunki-but-always-horror/" title="sprunki horror" rel="dofollow" style="text-decoration: none;">sprunki horror</a></p>
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                  font-weight: 700;
                  line-height: 1;
                  color: #fff;
                }.tdb-author-box .tdb-author-name,
                .tdb-author-box .tdb-author-url{
                  display: block;
                }.tdb-author-box .tdb-author-name{
                  margin: 7px 0 8px;
                  font-family: 'Open Sans', 'Open Sans Regular', sans-serif;
                  font-size: 15px;
                  line-height: 21px;
                  font-weight: 700;
                  color: #222;
                }.tdb-author-box .tdb-author-name:hover{
                  color: #4db2ec;
                }.tdb-author-box .tdb-author-url{
                  margin-bottom: 6px;
                  font-size: 11px;
                  font-style: italic;
                  line-height: 21px;
                  color: #444;
                }.tdb-author-box .tdb-author-url:hover{
                  color: #4db2ec;
                }.tdb-author-box .tdb-author-descr{
                  font-size: 12px;
                }.tdb-author-box .tdb-author-social{
                  margin-top: 4px;
                }.tdb-author-box .tdb-social-item{
                  position: relative;
                  display: inline-block;
                  -webkit-transition: all 0.2s;
                  transition: all 0.2s;
                  text-align: center;
                  -webkit-transform: translateZ(0);
                  transform: translateZ(0);
                }.tdb-author-box .tdb-social-item:last-child{
                  margin-right: 0 !important;
                }.tdb-author-box .tdb-social-item i{
                  color: #000;
                  -webkit-transition: all 0.2s;
                  transition: all 0.2s;
                }.tdb-author-box .tdb-social-item:hover i{
                  color: #000;
                }.tdi_114{
                    padding: 21px;
                
                    border: 1px solid #ededed;
                }.tdi_114 .tdb-author-info{
                    width: auto;
                
                    padding-bottom: 0;
                    padding-left: 21px;
                }.tdi_114 .tdb-author-photo{
                    width: 117px;
                
                    transform: translateZ(0);
                    -webkit-transform: translateZ(0);
                
                    pointer-events: auto;
                }.tdi_114 .tdb-author-name:hover{
                    color: #ea2e2e;
                }.tdi_114 .tdb-author-url:hover{
                    color: #ea2e2e;
                }.tdi_114 .tdb-social-item i{
					font-size: 15px;
					vertical-align: middle;
				
					line-height: 15px;
				}.tdi_114 .tdb-social-item i.td-icon-twitter,
				.tdi_114 .tdb-social-item i.td-icon-linkedin,
				.tdi_114 .tdb-social-item i.td-icon-pinterest,
				.tdi_114 .tdb-social-item i.td-icon-blogger,
				.tdi_114 .tdb-social-item i.td-icon-vimeo{
					font-size: 12px;
				}.tdi_114 .tdb-social-item{
					min-width: 15px;
					height: 15px;
				
				    margin: 10px 20px 10px 0;
				}.tdi_114 .tdb-social-item:hover{
					background-color: #ea2e2e;
				}.tdi_114 .tdb-author-photo:hover:before{
                    opacity: 0;
                }

/* landscape */
@media (min-width: 1019px) and (max-width: 1140px){
.tdi_114{
                    border: 1px solid #ededed;
                }
}

/* portrait */
@media (min-width: 768px) and (max-width: 1018px){
.tdi_114{
                    border: 1px solid #ededed;
                }
}

/* phone */
@media (max-width: 767px){
.tdi_114{
                    border: 1px solid #ededed;
                }
}
</style><div class="tdb-block-inner td-fix-index"><a href="https://modernbusinessinternational.com/author/modernbusinessinternational/" class="tdb-author-photo" title="modernbusinessinternational"><img alt='modernbusinessinternational' src='https://secure.gravatar.com/avatar/f29c2050ffc9516286e9e9fd3d82bd909e45c51233d812a6b028ccafd6f68cf5?s=500&#038;d=mm&#038;r=g' srcset='https://secure.gravatar.com/avatar/f29c2050ffc9516286e9e9fd3d82bd909e45c51233d812a6b028ccafd6f68cf5?s=1000&#038;d=mm&#038;r=g 2x' class='avatar avatar-500 photo' height='500' width='500' loading='lazy' decoding='async'/></a><div class="tdb-author-info"><a href="https://modernbusinessinternational.com/author/modernbusinessinternational/" class="tdb-author-name">modernbusinessinternational</a><a href="https://modernbusinessinternational.com"  class="tdb-author-url">https://modernbusinessinternational.com</a><div class="tdb-author-descr"></div><div class="tdb-author-social"></div></div></div></div><div class="td_block_wrap td_flex_block_1 tdi_115 td_with_ajax_pagination td-pb-border-top td_block_template_4 td_flex_block"  data-td-block-uid="tdi_115" >
<style>
.td_block_template_4 .td-block-title {
                font-size: 16px;
                font-weight: 400;
                margin-top: 0;
                margin-bottom: 26px;
                line-height: 31px;
                text-align: left;
            }
            .td_block_template_4 .td-block-title > * {
                background-color: #000;
                color: #fff;
                padding: 0 12px;
                position: relative;
            }
            .td_block_template_4 .td-block-title > *:before {
                content: '';
                position: absolute;
                top: 100%;
                left: 10px;
                margin: auto;
                width: 0;
                height: 0;
                border-style: solid;
                border-width: 7px 7px 0 7px;
                border-color: #000 transparent transparent transparent;
            }
            @media (max-width: 767px) {
                .td_block_template_4 .td-related-title a {
                    margin-right: 0;
                    font-size: 15px;
                }
            }
            .td_block_template_4 .td-related-title a:before {
                border-color: transparent !important;
            }
            .td_block_template_4 .td-related-title .td-cur-simple-item {
                background-color: #4db2ec;
            }
            .td_block_template_4 .td-related-title .td-cur-simple-item:before {
                border-color: #4db2ec transparent transparent transparent !important;
            }
            @-moz-document url-prefix() {
                .td_block_template_4 .td-block-title > * {
                    padding-bottom: 2px;
                }
            }
            

            
            .td-theme-wrap .tdi_115 .td-pulldown-filter-link:hover,
            .td-theme-wrap .tdi_115 .td-subcat-item a:hover,
            .td-theme-wrap .tdi_115 .td-subcat-item .td-cur-simple-item,
            .td-theme-wrap .tdi_115 .td-subcat-dropdown:hover .td-subcat-more span,
            .td-theme-wrap .tdi_115 .td-subcat-dropdown:hover .td-subcat-more i {
                color: #ea2e2e;
            }

            .td-theme-wrap .tdi_115 .td-block-title > *:before {
                border-color: #ea2e2e transparent transparent transparent;
            }

            .td-theme-wrap .tdi_115 .td-block-title > * {
                background-color: #ea2e2e;
            }

            
            .td-theme-wrap .tdi_115 .td_module_wrap:hover .entry-title a,
            .td-theme-wrap .tdi_115 .td_quote_on_blocks,
            .td-theme-wrap .tdi_115 .td-opacity-cat .td-post-category:hover,
            .td-theme-wrap .tdi_115 .td-opacity-read .td-read-more a:hover,
            .td-theme-wrap .tdi_115 .td-opacity-author .td-post-author-name a:hover,
            .td-theme-wrap .tdi_115 .td-instagram-user a {
                color: #ea2e2e;
            }

            .td-theme-wrap .tdi_115 .td-next-prev-wrap a:hover,
            .td-theme-wrap .tdi_115 .td-load-more-wrap a:hover {
                background-color: #ea2e2e;
                border-color: #ea2e2e;
            }

            .td-theme-wrap .tdi_115 .td-read-more a,
            .td-theme-wrap .tdi_115 .td-weather-information:before,
            .td-theme-wrap .tdi_115 .td-weather-week:before,
            .td-theme-wrap .tdi_115 .td-exchange-header:before,
            .td-theme-wrap .td-footer-wrapper .tdi_115 .td-post-category,
            .td-theme-wrap .tdi_115 .td-post-category:hover {
                background-color: #ea2e2e;
            }
/* inline tdc_css att */

.tdi_115{
margin-bottom:48px !important;
}

/* phone */
@media (max-width: 767px)
{
.tdi_115{
margin-bottom:32px !important;
}
}

</style>
<style>
/* custom css */
.tdi_115 .td-image-wrap{
					padding-bottom: 70%;
				}.tdi_115 .entry-thumb{
					background-position: center 50%;
				}.tdi_115 .td-module-container{
					flex-direction: column;
				
				    border-color: #eaeaea !important;
				}.tdi_115 .td-image-container{
                	display: block; order: 0;
                }.ie10 .tdi_115 .td-module-meta-info,
				.ie11 .tdi_115 .td-module-meta-info{
				 	flex: auto;
			    }body .tdi_115 .td-favorite{
                    font-size: 36px;
                
                    box-shadow:  1px 1px 4px 0px rgba(0, 0, 0, 0.2);
                }.tdi_115 .td-module-meta-info{
					padding: 7px 0 0;
				
					border-color: #eaeaea;
				}.tdi_115 .td_module_wrap{
					width: 33.33333333%;
					float: left;
				
					padding-left: 11px;
					padding-right: 11px;
				
					padding-bottom: 17.5px;
					margin-bottom: 17.5px;
				}.rtl .tdi_115 .td_module_wrap{
					float: right;
				}.tdi_115 .td_block_inner{
					margin-left: -11px;
					margin-right: -11px;
				}.tdi_115 .td-module-container:before{
					bottom: -17.5px;
				
					border-color: #eaeaea;
				}.tdi_115 .td-post-vid-time{
					display: block;
				}.tdi_115 .td-author-photo .avatar{
				    width: 20px;
				    height: 20px;
				
				    margin-right: 6px;
				
				    border-radius: 50%;
				}.tdi_115 .td-excerpt{
					display: none;
				
					column-count: 1;
				
					column-gap: 48px;
				}.tdi_115 .td-audio-player{
					opacity: 1;
					visibility: visible;
					height: auto;
				
					font-size: 13px;
				}.tdi_115 .td-read-more{
					display: none;
				}.tdi_115 .td-author-date{
					display: none;
				}.tdi_115 .td-post-author-name{
					display: none;
				}.tdi_115 .td-post-date,
				.tdi_115 .td-post-author-name span{
					display: none;
				}.tdi_115 .entry-review-stars{
					display: none;
				}.tdi_115 .td-icon-star,
                .tdi_115 .td-icon-star-empty,
                .tdi_115 .td-icon-star-half{
					font-size: 15px;
				}.tdi_115 .td-module-comments{
					display: none;
				}.tdi_115 .td_module_wrap:nth-child(3n+1){
					clear: both;
				}.tdi_115 .td_module_wrap:nth-last-child(-n+3){
					margin-bottom: 0;
					padding-bottom: 0;
				}.tdi_115 .td_module_wrap:nth-last-child(-n+3) .td-module-container:before{
					display: none;
				}.tdi_115 .td_module_wrap:hover .td-module-title a{
					color: #ea2e2e !important;
				}.tdi_115 .td-module-title a{
                    box-shadow: inset 0 0 0 0 #000;
                }.tdi_115.td_with_ajax_pagination .td-next-prev-wrap a:hover,
				.tdi_115 .td-load-more-wrap a:hover{    
					background-color: #ea2e2e !important;
					border-color: #ea2e2e !important;
				
					border-color: #ea2e2e !important;
				}.tdi_115 .entry-title{
					margin: 0px;
				
					font-family:Roboto Condensed !important;font-size:18px !important;line-height:1.1 !important;font-weight:700 !important;
				}.tdi_115 .td-block-title a,
				.tdi_115 .td-block-title span{
					font-family:Roboto Condensed !important;font-style:italic !important;text-transform:uppercase !important;
				}html:not([class*='ie']) .tdi_115 .td-module-container:hover .entry-thumb:before{
                    opacity: 0;
                }@media (min-width: 768px) {
                    .tdi_115 .td-module-title a {
                        transition: all 0.2s ease;
                        -webkit-transition: all 0.2s ease;
                    }
                }

/* landscape */
@media (min-width: 1019px) and (max-width: 1140px){
.tdi_115 .td-module-meta-info{
					padding: 6px 0 0;
				}.tdi_115 .td_module_wrap{
					padding-left: 9px;
					padding-right: 9px;
				
					padding-bottom: 15px;
					margin-bottom: 15px;
				
					clear: none !important;
				
					padding-bottom: 15px !important;
					margin-bottom: 15px !important;
				}.tdi_115 .td_block_inner{
					margin-left: -9px;
					margin-right: -9px;
				}.tdi_115 .td-module-container:before{
					bottom: -15px;
				}.tdi_115 .td_module_wrap:nth-child(3n+1){
					clear: both !important;
				}.tdi_115 .td_module_wrap:nth-last-child(-n+3){
					margin-bottom: 0 !important;
					padding-bottom: 0 !important;
				}.tdi_115 .td_module_wrap .td-module-container:before{
					display: block !important;
				}.tdi_115 .td_module_wrap:nth-last-child(-n+3) .td-module-container:before{
					display: none !important;
				}.tdi_115 .td-module-title a{
                    box-shadow: inset 0 0 0 0 #000;
                }.tdi_115 .td-block-title a,
				.tdi_115 .td-block-title span{
					font-family:Roboto Condensed !important;font-size:15px !important;font-style:italic !important;text-transform:uppercase !important;
				}.tdi_115 .td-subcat-list a,
				.tdi_115 .td-subcat-dropdown span,
				.tdi_115 .td-subcat-dropdown a{
					font-size:12px !important;
				}.tdi_115 .entry-title{
					font-family:Roboto Condensed !important;font-size:16px !important;line-height:1.1 !important;font-weight:700 !important;
				}@media (min-width: 768px) {
                    .tdi_115 .td-module-title a {
                        transition: all 0.2s ease;
                        -webkit-transition: all 0.2s ease;
                    }
                }
}

/* portrait */
@media (min-width: 768px) and (max-width: 1018px){
.tdi_115 .td-module-meta-info{
					padding: 5px 0 0;
				}.tdi_115 .td_module_wrap{
					padding-left: 5px;
					padding-right: 5px;
				
					padding-bottom: 12.5px;
					margin-bottom: 12.5px;
				
					clear: none !important;
				
					padding-bottom: 12.5px !important;
					margin-bottom: 12.5px !important;
				}.tdi_115 .td_block_inner{
					margin-left: -5px;
					margin-right: -5px;
				}.tdi_115 .td-module-container:before{
					bottom: -12.5px;
				}.tdi_115 .td_module_wrap:nth-child(3n+1){
					clear: both !important;
				}.tdi_115 .td_module_wrap:nth-last-child(-n+3){
					margin-bottom: 0 !important;
					padding-bottom: 0 !important;
				}.tdi_115 .td_module_wrap .td-module-container:before{
					display: block !important;
				}.tdi_115 .td_module_wrap:nth-last-child(-n+3) .td-module-container:before{
					display: none !important;
				}.tdi_115 .td-module-title a{
                    box-shadow: inset 0 0 0 0 #000;
                }.tdi_115 .td-block-title a,
				.tdi_115 .td-block-title span{
					font-family:Roboto Condensed !important;font-size:14px !important;font-style:italic !important;text-transform:uppercase !important;
				}.tdi_115 .td-subcat-list a,
				.tdi_115 .td-subcat-dropdown span,
				.tdi_115 .td-subcat-dropdown a{
					font-size:11px !important;
				}.tdi_115 .entry-title{
					font-family:Roboto Condensed !important;font-size:13px !important;line-height:1.1 !important;font-weight:700 !important;
				}@media (min-width: 768px) {
                    .tdi_115 .td-module-title a {
                        transition: all 0.2s ease;
                        -webkit-transition: all 0.2s ease;
                    }
                }
}

/* phone */
@media (max-width: 767px){
.tdi_115 .td-image-container{
				 	flex: 0 0 30%;
				 	width: 30%;
			    
                	display: block; order: 0;
                }.ie10 .tdi_115 .td-image-container,
				.ie11 .tdi_115 .td-image-container{
				 	flex: 0 0 auto;
			    }.tdi_115 .td-module-container{
					flex-direction: row;
				}.ie10 .tdi_115 .td-module-meta-info,
				.ie11 .tdi_115 .td-module-meta-info{
				 	flex: 1;
			    }.tdi_115 .td-module-meta-info{
					padding: 0 0 0 16px;
				}.tdi_115 .td_module_wrap{
					width: 100%;
					float: left;
				
					padding-bottom: 15px;
					margin-bottom: 15px;
				
					padding-bottom: 15px !important;
					margin-bottom: 15px !important;
				}.rtl .tdi_115 .td_module_wrap{
					float: right;
				}.tdi_115 .td-module-container:before{
					bottom: -15px;
				}.tdi_115 .td_module_wrap:nth-last-child(1){
					margin-bottom: 0 !important;
					padding-bottom: 0 !important;
				}.tdi_115 .td_module_wrap .td-module-container:before{
					display: block !important;
				}.tdi_115 .td_module_wrap:nth-last-child(1) .td-module-container:before{
					display: none !important;
				}.tdi_115 .td-module-title a{
                    box-shadow: inset 0 0 0 0 #000;
                }.tdi_115 .entry-title{
					font-family:Roboto Condensed !important;font-size:16px !important;line-height:1.1 !important;font-weight:700 !important;
				}@media (min-width: 768px) {
                    .tdi_115 .td-module-title a {
                        transition: all 0.2s ease;
                        -webkit-transition: all 0.2s ease;
                    }
                }
}
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                            <label for="wp-comment-cookies-consent">Save my name, email, and website in this browser for the next time I comment.</label>
                          </p>
<p class="form-submit"><input name="submit" type="submit" id="submit" class="submit" value="Post Comment" /> <input type='hidden' name='comment_post_ID' value='9196' id='comment_post_ID' />
<input type='hidden' name='comment_parent' id='comment_parent' value='0' />
</p><p style="display: none !important;" class="akismet-fields-container" data-prefix="ak_"><label>&#916;<textarea name="ak_hp_textarea" cols="45" rows="8" maxlength="100"></textarea></label><input type="hidden" id="ak_js_1" name="ak_js" value="153"/><script>document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() );</script></p></form>	</div><!-- #respond -->
	</div></div></div></div></div><div class="vc_column tdi_118  wpb_column vc_column_container tdc-column td-pb-span4 td-is-sticky">
<style scoped>

/* custom css */
.tdi_118{
                    vertical-align: baseline;
                }.tdi_118 > .wpb_wrapper,
				.tdi_118 > .wpb_wrapper > .tdc-elements{
				    display: block;
				}.tdi_118 > .wpb_wrapper > .tdc-elements{
				    width: 100%;
				}.tdi_118 > .wpb_wrapper > .vc_row_inner{
				    width: auto;
				}.tdi_118 > .wpb_wrapper{
				    width: auto;
				    height: auto;
				}
</style><div class="wpb_wrapper" data-sticky-offset="20"><div class="td_block_wrap td_block_social_counter tdi_119 td-social-style10 td-social-boxed td-social-colored td-pb-border-top td_block_template_4">
<style>
.td-theme-wrap .tdi_119 .td-pulldown-filter-link:hover,
            .td-theme-wrap .tdi_119 .td-subcat-item a:hover,
            .td-theme-wrap .tdi_119 .td-subcat-item .td-cur-simple-item,
            .td-theme-wrap .tdi_119 .td-subcat-dropdown:hover .td-subcat-more span,
            .td-theme-wrap .tdi_119 .td-subcat-dropdown:hover .td-subcat-more i {
                color: #ea2e2e;
            }

            .td-theme-wrap .tdi_119 .td-block-title > *:before {
                border-color: #ea2e2e transparent transparent transparent;
            }

            .td-theme-wrap .tdi_119 .td-block-title > * {
                background-color: #ea2e2e;
            }

            
            .td-theme-wrap .tdi_119 .td_module_wrap:hover .entry-title a,
            .td-theme-wrap .tdi_119 .td_quote_on_blocks,
            .td-theme-wrap .tdi_119 .td-opacity-cat .td-post-category:hover,
            .td-theme-wrap .tdi_119 .td-opacity-read .td-read-more a:hover,
            .td-theme-wrap .tdi_119 .td-opacity-author .td-post-author-name a:hover,
            .td-theme-wrap .tdi_119 .td-instagram-user a {
                color: #ea2e2e;
            }

            .td-theme-wrap .tdi_119 .td-next-prev-wrap a:hover,
            .td-theme-wrap .tdi_119 .td-load-more-wrap a:hover {
                background-color: #ea2e2e;
                border-color: #ea2e2e;
            }

            .td-theme-wrap .tdi_119 .td-read-more a,
            .td-theme-wrap .tdi_119 .td-weather-information:before,
            .td-theme-wrap .tdi_119 .td-weather-week:before,
            .td-theme-wrap .tdi_119 .td-exchange-header:before,
            .td-theme-wrap .td-footer-wrapper .tdi_119 .td-post-category,
            .td-theme-wrap .tdi_119 .td-post-category:hover {
                background-color: #ea2e2e;
            }
/* inline tdc_css att */

/* phone */
@media (max-width: 767px)
{
.tdi_119{
margin-bottom:32px !important;
}
}

</style>
<style>
/* custom css */
.td_block_social_counter{
                        font-family: 'Open Sans', arial, sans-serif;
                        font-weight: bold;
                        font-size: 11px;
                        color: #fff;
                        margin-bottom: 47px;
                    }.td_block_social_counter .td-sp{
                        position: relative;
                    }.td_block_social_counter .td-sp:after{
                        content: '';
                        width: 1px;
                        height: 16px;
                        background-color: rgba(255, 255, 255, 0.1);
                        position: absolute;
                        right: -1px;
                        top: 8px;
                    }.td-social-list{
                        *zoom: 1;
                    }.td-social-list:before,
                    .td-social-list:after{
                        display: table;
                        content: '';
                        line-height: 0;
                    }.td-social-list:after{
                        clear: both;
                    }.td_social_type{
                        width: 100%;
                        margin-bottom: 10px;
                        -webkit-transition: background-color 0.20s cubic-bezier(0, 0, 0.58, 1) 0s;
                        transition: background-color 0.20s cubic-bezier(0, 0, 0.58, 1) 0s;
                    }.td_social_type:last-child{
                        margin-bottom: 0;
                    }.td_social_type:hover .td-social-box{
                        background-color: #222;
                    }.td_social_type .td_social_info{
                        padding: 0 0 0 9px;
                        position: relative;
                        top: -12px;
                    }.td_social_type .td-social-box{
                        height: 32px;
                        position: relative;
                        overflow: hidden;
                    }.td_social_type .td-social-box .td-sp{
                        display: inline-block;
                    }.td_social_type .td_social_number{
                        border-left: 1px solid rgba(255, 255, 255, 0.1);
                        padding-left: 9px;
                    }.td_social_type .td_social_button{
                        float: right;
                        border-left: 1px solid rgba(255, 255, 255, 0.1);
                        padding: 0 14px;
                        margin-top: 8px;
                        top: 9px;
                        height: 16px;
                        line-height: 15px;
                        text-transform: uppercase;
                    }.td_social_type .td_social_button a{
                        color: #fff;
                    }.td_social_type .td_social_button a:after{
                        content: '';
                        display: block;
                        height: 32px;
                        position: absolute;
                        right: 0;
                        top: 0;
                        width: 324px;
                    }.td_social_type .td_social_button a:hover{
                        color: inherit;
                        text-decoration: none !important;
                    }.td_social_type a{
                        color: #fff;
                    }.td_social_facebook .td-social-box{
                        background-color: #516eab;
                    }.td_social_rss .td-social-box{
                        background-color: #ff6600;
                    }.td_social_soundcloud .td-social-box{
                        background-color: #ff5419;
                    }.td_social_twitter .td-social-box{
                        background-color: #29c5f6;
                    }.td_social_vimeo .td-social-box{
                        background-color: #006599;
                    }.td_social_youtube .td-social-box{
                        background-color: #e14e42;
                    }.td_social_instagram .td-social-box{
                        background-color: #417096;
                    }.td_social_pinterest .td-social-box{
                        background-color: #ca212a;
                    }.td_social_tiktok .td-social-box{
                        background-color: #009191;
                    }.td_social_twitch .td-social-box{
                        background-color: #9147FF;
                    }.td-social-boxed .td_social_type{
                        text-align: center;
                        width: 33.3333%;
                        margin: 0;
                        float: left;
                    }.td-social-boxed .td_social_type .td-social-box{
                        height: 100px;
                    }.td-social-boxed .td_social_type span{
                        display: block;
                        width: 100%;
                        padding: 0;
                    }.td-social-boxed .td-sp{
                        margin-top: 10px;
                    }.td-social-boxed .td-sp::after{
                        display: none;
                    }.td-social-boxed .td_social_info{
                        font-size: 17px;
                        top: 0;
                    }.td-social-boxed .td_social_info_name{
                        font-size: 13px;
                        font-weight: normal;
                    }.td-social-boxed .td_social_button{
                        opacity: 0;
                        position: absolute;
                        height: 100%;
                        margin-top: 0;
                        top: 0;
                    }.td-social-boxed .td_social_button a:after{
                        width: 100%;
                        height: 100%;
                    }.td-social-colored .td_social_facebook .td-sp{
                        background-color: #516eab;
                    }.td-social-colored .td_social_rss .td-sp{
                        background-color: #ff6600;
                    }.td-social-colored .td_social_soundcloud .td-sp{
                        background-color: #ff5419;
                    }.td-social-colored .td_social_twitter .td-sp{
                        background-color: #29c5f6;
                    }.td-social-colored .td_social_vimeo .td-sp{
                        background-color: #006599;
                    }.td-social-colored .td_social_youtube .td-sp{
                        background-color: #e14e42;
                    }.td-social-colored .td_social_instagram .td-sp{
                        background-color: #417096;
                    }.td-social-colored .td_social_pinterest .td-sp{
                        background-color: #ca212a;
                    }.td-social-colored .td_social_tiktok .td-sp{
                        background-color: #009191;
                    }.td-social-colored .td_social_twitch .td-sp{
                        background-color: #9147FF;
                    }.td-social-font-icons .td-sp{
                        background: none;
                        font-family: 'newspaper', sans-serif;
                        font-size: 14px;
                        text-align: center;
                        font-weight: normal;
                    }.td-social-font-icons .td-sp:before{
                        position: absolute;
                        top: 0;
                        left: 0;
                        right: 0;
                        line-height: 30px;
                    }.td-social-font-icons .td_social_facebook .td-sp:before{
                        content: '\e818';
                        color: #516eab;
                    }.td-social-font-icons .td_social_rss .td-sp:before{
                        content: '\e828';
                        color: #ff6600;
                    }.td-social-font-icons .td_social_soundcloud .td-sp:before{
                        content: '\e82b';
                        color: #ff5419;
                    }.td-social-font-icons .td_social_twitter .td-sp:before{
                        content: '\e831';
                        color: #29c5f6;
                    }.td-social-font-icons .td_social_vimeo .td-sp:before{
                        content: '\e832';
                        color: #006599;
                    }.td-social-font-icons .td_social_youtube .td-sp:before{
                        content: '\e836';
                        color: #e14e42;
                    }.td-social-font-icons .td_social_instagram .td-sp:before{
                        content: '\e81d';
                        color: #417096;
                    }.td-social-font-icons .td_social_pinterest .td-sp:before{
                        content: '\e825';
                        color: #ca212a;
                    }.td-social-font-icons .td_social_tiktok .td-sp:before{
                        content: '\e9d6';
                        color: #009191;
                    }.td-social-font-icons .td_social_twitch .td-sp:before{
                        content: '\e909';
                        color: #9147FF;
                    }.td_block_social_counter.td-social-style10{
                        color: #000;
                    }.td_block_social_counter.td-social-style10 .td_social_type{
                        width: 25%;
                    }.td_block_social_counter.td-social-style10 .td_social_type a{
                        color: #000;
                    }.td_block_social_counter.td-social-style10 .td_social_type .td_social_button{
                        border-color: #ededed;
                        padding: 0;
                        border: none;
                    }.td_block_social_counter.td-social-style10 .td_social_type:hover{
                        color: #555;
                    }.td_block_social_counter.td-social-style10 .td_social_type:hover .td_social_type a{
                        color: #555;
                    }.td_block_social_counter.td-social-style10 .td_social_type:hover .td-sp{
                        -webkit-box-shadow: 0 2px 5px rgba(0, 0, 0, 0.3)
                        box-shadow: 0 2px 5px rgba(0, 0, 0, 0.3);
                    }.td_block_social_counter.td-social-style10 .td_social_type .td_social_info{
                        font-size: 15px;
                        top: 5px;
                    }.td_block_social_counter.td-social-style10 .td_social_type .td_social_info_name{
                        font-size: 11px;
                    }.td_block_social_counter.td-social-style10 .td_social_type .td-social-box{
                        background-color: transparent;
                        height: 130px;
                    }.td_block_social_counter.td-social-style10 .td-sp{
                        -webkit-transition: box-shadow 0.3s ease;
                        transition: box-shadow 0.3s ease;
                        width: 64px;
                        height: 64px;
                        margin: 0;
                    }.td_block_social_counter.td-social-style10 .td-sp:after{
                        display: none;
                    }.td_block_social_counter.td-social-style10 .td_social_facebook .td-sp{
                        background-position: -5px -5px;
                    }.td_block_social_counter.td-social-style10 .td_social_rss .td-sp{
                        background-position: -4px -109px;
                    }.td_block_social_counter.td-social-style10 .td_social_soundcloud .td-sp{
                        background-position: -5px -161px;
                    }.td_block_social_counter.td-social-style10 .td_social_twitter .td-sp{
                        background-position: -4px -419px;
                    }.td_block_social_counter.td-social-style10 .td_social_vimeo .td-sp{
                        background-position: -4px -315px;
                    }.td_block_social_counter.td-social-style10 .td_social_youtube .td-sp{
                        background-position: -3px -368px;
                    }.td_block_social_counter.td-social-style10 .td_social_instagram .td-sp{
                        background-position: -4px -212px;
                    }.td_block_social_counter.td-social-style10 .td_social_pinterest .td-sp{
                        background-position: -5px -56px;
                    }.td_block_social_counter.td-social-style10 .td_social_tiktok .td-sp{
                        background-position: -5px -726px;
                    }.td_block_social_counter.td-social-style10 .td_social_twitch .td-sp{
                        background-position: -4px -766px;
                    }div.tdi_119 .td-block-title a,
                    div.tdi_119 .td-block-title span{
                        font-family:Roboto Condensed !important;font-style:italic !important;text-transform:uppercase !important;
                    }@media (min-width: 1019px) and (max-width: 1140px) {
                        .td_social_type .td_social_button a:after {
                            width: 300px;
                        }
                    }@media (min-width: 768px) and (max-width: 1018px) {
                        .td_social_type .td_social_button a:after {
                            width: 228px;
                        }
                    }@media (max-width: 767px) {
                        .td_social_type .td_social_button a:after {
                            width: 100%;
                        }
                    }@media (min-width: 768px) and (max-width: 1018px) {
                        .td-social-boxed .td_social_type .td-social-box {
                            height: 70px;
                        }
                    }@media (min-width: 768px) and (max-width: 1018px) {
                        .td-social-boxed .td-sp {
                            margin-top: 4px;
                        }
                    }@media (min-width: 768px) and (max-width: 1018px) {
                        .td-social-boxed .td_social_info {
                            font-size: 13px;
                            top: -12px;
                        }
                    }@media (min-width: 768px) and (max-width: 1018px) {
                        .td-social-boxed .td_social_info_name {
                            top: -17px;
                            font-size: 10px;
                        }
                    }@media (min-width: 768px) and (max-width: 1018px) {
                        .td_block_social_counter.td-social-style10 .td_social_type .td_social_info {
                            font-size: 12px;
                            top: 0;
                        }
                    }@media (min-width: 768px) and (max-width: 1018px) {
                        .td_block_social_counter.td-social-style10 .td_social_type .td_social_info_name {
                            font-size: 10px;
                            top: -5px;
                        }
                    }@media (min-width: 768px) and (max-width: 1018px) {
                        .td_block_social_counter.td-social-style10 .td_social_type .td-social-box {
                            height: 90px;
                        }
                    }@media (min-width: 768px) and (max-width: 1018px) {
                        .td_block_social_counter.td-social-style10 .td-sp {
                            width: 48px;
                            height: 48px;
                        }
                    }@media (min-width: 768px) and (max-width: 1018px) {
                        .td_block_social_counter.td-social-style10 .td_social_facebook .td-sp {
                            background-position: -13px -13px;
                        }
                    }@media (min-width: 768px) and (max-width: 1018px) {
                        .td_block_social_counter.td-social-style10 .td_social_rss .td-sp {
                            background-position: -12px -117px;
                        }
                    }@media (min-width: 768px) and (max-width: 1018px) {
                        .td_block_social_counter.td-social-style10 .td_social_soundcloud .td-sp {
                            background-position: -13px -169px;
                        }
                    }@media (min-width: 768px) and (max-width: 1018px) {
                        .td_block_social_counter.td-social-style10 .td_social_twitter .td-sp {
                            background-position: -12px -427px;
                        }
                    }@media (min-width: 768px) and (max-width: 1018px) {
                        .td_block_social_counter.td-social-style10 .td_social_vimeo .td-sp {
                            background-position: -12px -323px;
                        }
                    }@media (min-width: 768px) and (max-width: 1018px) {
                        .td_block_social_counter.td-social-style10 .td_social_youtube .td-sp {
                            background-position: -11px -376px;
                        }
                    }@media (min-width: 768px) and (max-width: 1018px) {
                        .td_block_social_counter.td-social-style10 .td_social_instagram .td-sp {
                            background-position: -12px -220px;
                        }
                    }@media (min-width: 768px) and (max-width: 1018px) {
                        .td_block_social_counter.td-social-style10 .td_social_pinterest .td-sp {
                            background-position: -13px -65px;
                        }
                    }@media (min-width: 768px) and (max-width: 1018px) {
                        .td_block_social_counter.td-social-style10 .td_social_tiktok .td-sp {
                            background-position: -13px -732px;
                        }
                    }@media (min-width: 768px) and (max-width: 1018px) {
                        .td_block_social_counter.td-social-style10 .td_social_twitch .td-sp {
                            background-position: -12px -772px;
                        }
                    }

/* landscape */
@media (min-width: 1019px) and (max-width: 1140px){
div.tdi_119 .td-block-title a,
                    div.tdi_119 .td-block-title span{
                        font-family:Roboto Condensed !important;font-size:15px !important;font-style:italic !important;text-transform:uppercase !important;
                    }
}

/* portrait */
@media (min-width: 768px) and (max-width: 1018px){
div.tdi_119 .td-block-title a,
                    div.tdi_119 .td-block-title span{
                        font-family:Roboto Condensed !important;font-size:14px !important;font-style:italic !important;text-transform:uppercase !important;
                    }
}
</style><div class="td-block-title-wrap"><h4 class="td-block-title"><span class="td-pulldown-size">Stay Connected</span></h4></div><div class="td-social-list"><div class="td_social_type td-pb-margin-side td_social_facebook"><div class="td-social-box"><div class="td-sp td-sp-facebook"></div><span class="td_social_info td_social_info_counter">0</span><span class="td_social_info td_social_info_name">Fans</span><span class="td_social_button"><a href="https://www.facebook.com/tagDiv"  >Like</a></span></div></div><div class="td_social_type td-pb-margin-side td_social_instagram"><div class="td-social-box"><div class="td-sp td-sp-instagram"></div><span class="td_social_info td_social_info_counter">0</span><span class="td_social_info td_social_info_name">Followers</span><span class="td_social_button"><a href="https://instagram.com/tagdiv#"  >Follow</a></span></div></div><div class="td_social_type td-pb-margin-side td_social_twitter"><div class="td-social-box"><div class="td-sp td-sp-twitter"></div><span class="td_social_info td_social_info_counter">3,912</span><span class="td_social_info td_social_info_name">Followers</span><span class="td_social_button"><a href="https://twitter.com/tagdivofficial"  >Follow</a></span></div></div><div class="td_social_type td-pb-margin-side td_social_youtube"><div class="td-social-box"><div class="td-sp td-sp-youtube"></div><span class="td_social_info td_social_info_counter">0</span><span class="td_social_info td_social_info_name">Subscribers</span><span class="td_social_button"><a href="https://www.youtube.com/tagdiv"  >Subscribe</a></span></div></div></div></div> <!-- ./block --><div class="td_block_wrap td-a-rec td-a-rec-id-custom-spot td-a-rec-img tdi_120 td_block_template_1">
<style>

/* inline tdc_css att */

.tdi_120{
margin-bottom:48px !important;
}

/* phone */
@media (max-width: 767px)
{
.tdi_120{
margin-bottom:32px !important;
}
}

</style>
<style>
/* custom css */
.tdi_120.td-a-rec{
					text-align: center;
				}.tdi_120 .td-element-style{
					z-index: -1;
				}.tdi_120 .td-spot-id-spot_img_hidden{
                    display: none;
                }.tdi_120 .td-adspot-title{
                    display: block;
                }
</style><div style="display: inline-block"><a href="https://themeforest.net/item/newspaper/5489609" target="blank"  rel="noopener"  class="td_spot_img_all"><img post-id="256" fifu-featured="1" src="https://image.cnbcfm.com/api/v1/image/107292056-1692966711769-gettyimages-1636895606-jr029973_nfdjpyzd.jpeg?v=1693146508&w=1920&h=1080"  alt="Trump campaign reports raising more than  million after Georgia booking" title="Trump campaign reports raising more than  million after Georgia booking" width="300"  height="250"  /></a></div></div><div class="td_block_wrap td_flex_block_1 tdi_121 td-pb-border-top td_block_template_4 td_flex_block"  data-td-block-uid="tdi_121" >
<style>
.td-theme-wrap .tdi_121 .td-pulldown-filter-link:hover,
            .td-theme-wrap .tdi_121 .td-subcat-item a:hover,
            .td-theme-wrap .tdi_121 .td-subcat-item .td-cur-simple-item,
            .td-theme-wrap .tdi_121 .td-subcat-dropdown:hover .td-subcat-more span,
            .td-theme-wrap .tdi_121 .td-subcat-dropdown:hover .td-subcat-more i {
                color: #ea2e2e;
            }

            .td-theme-wrap .tdi_121 .td-block-title > *:before {
                border-color: #ea2e2e transparent transparent transparent;
            }

            .td-theme-wrap .tdi_121 .td-block-title > * {
                background-color: #ea2e2e;
            }

            
            .td-theme-wrap .tdi_121 .td_module_wrap:hover .entry-title a,
            .td-theme-wrap .tdi_121 .td_quote_on_blocks,
            .td-theme-wrap .tdi_121 .td-opacity-cat .td-post-category:hover,
            .td-theme-wrap .tdi_121 .td-opacity-read .td-read-more a:hover,
            .td-theme-wrap .tdi_121 .td-opacity-author .td-post-author-name a:hover,
            .td-theme-wrap .tdi_121 .td-instagram-user a {
                color: #ea2e2e;
            }

            .td-theme-wrap .tdi_121 .td-next-prev-wrap a:hover,
            .td-theme-wrap .tdi_121 .td-load-more-wrap a:hover {
                background-color: #ea2e2e;
                border-color: #ea2e2e;
            }

            .td-theme-wrap .tdi_121 .td-read-more a,
            .td-theme-wrap .tdi_121 .td-weather-information:before,
            .td-theme-wrap .tdi_121 .td-weather-week:before,
            .td-theme-wrap .tdi_121 .td-exchange-header:before,
            .td-theme-wrap .td-footer-wrapper .tdi_121 .td-post-category,
            .td-theme-wrap .tdi_121 .td-post-category:hover {
                background-color: #ea2e2e;
            }
/* inline tdc_css att */

.tdi_121{
margin-bottom:0px !important;
}

</style>
<style>
/* custom css */
.tdi_121 .td-image-wrap{
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</script><div class="td-block-title-wrap"><h4 class="td-block-title"><span class="td-pulldown-size">Popular Posts</span></h4></div><div id=tdi_134 class="td_block_inner td-mc1-wrap">
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                                            <div class="td-editor-date">
                                                        
                                                            <span class="td-author-date">
                                                                                                            <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2025-06-14T05:31:36+00:00" >June 14, 2025</time></span>                                                                                                        </span>
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        </div>

        
        <div class="td_module_flex td_module_flex_1 td_module_wrap td-animation-stack td-cpt-post">
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                                    <div class="td-image-container">
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                                                            <span class="td-author-date">
                                                                                                            <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2025-06-14T05:30:57+00:00" >June 14, 2025</time></span>                                                                                                        </span>
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        <div class="td_module_flex td_module_flex_1 td_module_wrap td-animation-stack td-cpt-post">
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                                            <div class="td-editor-date">
                                                        
                                                            <span class="td-author-date">
                                                                                                            <span class="td-post-date"><time class="entry-date updated td-module-date" datetime="2025-06-13T21:07:00+00:00" >June 13, 2025</time></span>                                                                                                        </span>
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</style><div class="td-block-title-wrap"><h4 class="td-block-title"><span class="td-pulldown-size">Popular category</span></h4></div><div class="td-ct-wrap"><a href="https://modernbusinessinternational.com/category/news/" class="td-ct-item"><span class="td-ct-item-name">News</span><span class="td-ct-item-no">956</span></a><a href="https://modernbusinessinternational.com/category/markets-news/" class="td-ct-item"><span class="td-ct-item-name">Markets News</span><span class="td-ct-item-no">812</span></a><a href="https://modernbusinessinternational.com/category/global-news/" class="td-ct-item"><span class="td-ct-item-name">Global News</span><span class="td-ct-item-no">804</span></a><a href="https://modernbusinessinternational.com/category/companies/" class="td-ct-item"><span class="td-ct-item-name">Companies</span><span class="td-ct-item-no">776</span></a><a href="https://modernbusinessinternational.com/category/investing/" class="td-ct-item"><span class="td-ct-item-name">INVESTING</span><span class="td-ct-item-no">688</span></a><a href="https://modernbusinessinternational.com/category/blogs/" class="td-ct-item"><span class="td-ct-item-name">BLOGS</span><span class="td-ct-item-no">287</span></a><a href="https://modernbusinessinternational.com/category/article/" class="td-ct-item"><span class="td-ct-item-name">Article</span><span class="td-ct-item-no">33</span></a><a href="https://modernbusinessinternational.com/category/ai-news/" class="td-ct-item"><span class="td-ct-item-name">Ai News</span><span class="td-ct-item-no">12</span></a></div></div></div></div></div></div><div id="tdi_138" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_139  wpb_row td-pb-row tdc-element-style" >
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