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URL: https://www.zandersinside.com/en/solutions/creditrisksuite/resources/insights/a-comprehensive-guide-to-credit-rating-modelling/
Submission: On September 12 via api from US — Scanned from NL

Form analysis 5 forms found in the DOM

POST /en/solutions/creditrisksuite/resources/insights/a-comprehensive-guide-to-credit-rating-modelling/

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              <div class="iti__flag iti__bg"></div>
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              <div class="iti__flag iti__bf"></div>
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              <div class="iti__flag iti__bi"></div>
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              <div class="iti__flag iti__kh"></div>
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              <div class="iti__flag iti__cm"></div>
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              <div class="iti__flag iti__ca"></div>
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              <div class="iti__flag iti__cv"></div>
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              <div class="iti__flag iti__bq"></div>
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              <div class="iti__flag iti__ky"></div>
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              <div class="iti__flag iti__cf"></div>
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            <div class="iti__flag-box">
              <div class="iti__flag iti__td"></div>
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              <div class="iti__flag iti__cl"></div>
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              <div class="iti__flag iti__cn"></div>
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              <div class="iti__flag iti__cx"></div>
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            <div class="iti__flag-box">
              <div class="iti__flag iti__cc"></div>
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              <div class="iti__flag iti__co"></div>
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              <div class="iti__flag iti__km"></div>
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            <div class="iti__flag-box">
              <div class="iti__flag iti__cd"></div>
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              <div class="iti__flag iti__cg"></div>
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            <div class="iti__flag-box">
              <div class="iti__flag iti__ck"></div>
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              <div class="iti__flag iti__cr"></div>
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              <div class="iti__flag iti__ci"></div>
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            <div class="iti__flag-box">
              <div class="iti__flag iti__hr"></div>
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            <div class="iti__flag-box">
              <div class="iti__flag iti__cu"></div>
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            <div class="iti__flag-box">
              <div class="iti__flag iti__cw"></div>
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          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="357" data-country-code="cy" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cy"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="420" data-country-code="cz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cz"></div>
            </div><span class="iti__country-name">Czech Republic (Česká republika)</span><span class="iti__dial-code">+420</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="45" data-country-code="dk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__dk"></div>
            </div><span class="iti__country-name">Denmark (Danmark)</span><span class="iti__dial-code">+45</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="253" data-country-code="dj" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__dj"></div>
            </div><span class="iti__country-name">Djibouti</span><span class="iti__dial-code">+253</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="dm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__dm"></div>
            </div><span class="iti__country-name">Dominica</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="do" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__do"></div>
            </div><span class="iti__country-name">Dominican Republic (República Dominicana)</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="593" data-country-code="ec" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ec"></div>
            </div><span class="iti__country-name">Ecuador</span><span class="iti__dial-code">+593</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="20" data-country-code="eg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__eg"></div>
            </div><span class="iti__country-name">Egypt (‫مصر‬‎)</span><span class="iti__dial-code">+20</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="503" data-country-code="sv" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sv"></div>
            </div><span class="iti__country-name">El Salvador</span><span class="iti__dial-code">+503</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="240" data-country-code="gq" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gq"></div>
            </div><span class="iti__country-name">Equatorial Guinea (Guinea Ecuatorial)</span><span class="iti__dial-code">+240</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="291" data-country-code="er" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__er"></div>
            </div><span class="iti__country-name">Eritrea</span><span class="iti__dial-code">+291</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="372" data-country-code="ee" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ee"></div>
            </div><span class="iti__country-name">Estonia (Eesti)</span><span class="iti__dial-code">+372</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="268" data-country-code="sz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sz"></div>
            </div><span class="iti__country-name">Eswatini</span><span class="iti__dial-code">+268</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="251" data-country-code="et" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__et"></div>
            </div><span class="iti__country-name">Ethiopia</span><span class="iti__dial-code">+251</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="500" data-country-code="fk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__fk"></div>
            </div><span class="iti__country-name">Falkland Islands (Islas Malvinas)</span><span class="iti__dial-code">+500</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="298" data-country-code="fo" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__fo"></div>
            </div><span class="iti__country-name">Faroe Islands (Føroyar)</span><span class="iti__dial-code">+298</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="679" data-country-code="fj" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__fj"></div>
            </div><span class="iti__country-name">Fiji</span><span class="iti__dial-code">+679</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="358" data-country-code="fi" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__fi"></div>
            </div><span class="iti__country-name">Finland (Suomi)</span><span class="iti__dial-code">+358</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="33" data-country-code="fr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__fr"></div>
            </div><span class="iti__country-name">France</span><span class="iti__dial-code">+33</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="594" data-country-code="gf" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gf"></div>
            </div><span class="iti__country-name">French Guiana (Guyane française)</span><span class="iti__dial-code">+594</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="689" data-country-code="pf" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pf"></div>
            </div><span class="iti__country-name">French Polynesia (Polynésie française)</span><span class="iti__dial-code">+689</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="241" data-country-code="ga" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ga"></div>
            </div><span class="iti__country-name">Gabon</span><span class="iti__dial-code">+241</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="220" data-country-code="gm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gm"></div>
            </div><span class="iti__country-name">Gambia</span><span class="iti__dial-code">+220</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="995" data-country-code="ge" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ge"></div>
            </div><span class="iti__country-name">Georgia (საქართველო)</span><span class="iti__dial-code">+995</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="49" data-country-code="de" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__de"></div>
            </div><span class="iti__country-name">Germany (Deutschland)</span><span class="iti__dial-code">+49</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="233" data-country-code="gh" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gh"></div>
            </div><span class="iti__country-name">Ghana (Gaana)</span><span class="iti__dial-code">+233</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="350" data-country-code="gi" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gi"></div>
            </div><span class="iti__country-name">Gibraltar</span><span class="iti__dial-code">+350</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="30" data-country-code="gr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gr"></div>
            </div><span class="iti__country-name">Greece (Ελλάδα)</span><span class="iti__dial-code">+30</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="299" data-country-code="gl" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gl"></div>
            </div><span class="iti__country-name">Greenland (Kalaallit Nunaat)</span><span class="iti__dial-code">+299</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="gd" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gd"></div>
            </div><span class="iti__country-name">Grenada</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="590" data-country-code="gp" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gp"></div>
            </div><span class="iti__country-name">Guadeloupe</span><span class="iti__dial-code">+590</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="gu" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gu"></div>
            </div><span class="iti__country-name">Guam</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="502" data-country-code="gt" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gt"></div>
            </div><span class="iti__country-name">Guatemala</span><span class="iti__dial-code">+502</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="44" data-country-code="gg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gg"></div>
            </div><span class="iti__country-name">Guernsey</span><span class="iti__dial-code">+44</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="224" data-country-code="gn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gn"></div>
            </div><span class="iti__country-name">Guinea (Guinée)</span><span class="iti__dial-code">+224</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="245" data-country-code="gw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gw"></div>
            </div><span class="iti__country-name">Guinea-Bissau (Guiné Bissau)</span><span class="iti__dial-code">+245</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="592" data-country-code="gy" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gy"></div>
            </div><span class="iti__country-name">Guyana</span><span class="iti__dial-code">+592</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="509" data-country-code="ht" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ht"></div>
            </div><span class="iti__country-name">Haiti</span><span class="iti__dial-code">+509</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="504" data-country-code="hn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__hn"></div>
            </div><span class="iti__country-name">Honduras</span><span class="iti__dial-code">+504</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="852" data-country-code="hk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__hk"></div>
            </div><span class="iti__country-name">Hong Kong (香港)</span><span class="iti__dial-code">+852</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="36" data-country-code="hu" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__hu"></div>
            </div><span class="iti__country-name">Hungary (Magyarország)</span><span class="iti__dial-code">+36</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="354" data-country-code="is" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__is"></div>
            </div><span class="iti__country-name">Iceland (Ísland)</span><span class="iti__dial-code">+354</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="91" data-country-code="in" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__in"></div>
            </div><span class="iti__country-name">India (भारत)</span><span class="iti__dial-code">+91</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="62" data-country-code="id" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__id"></div>
            </div><span class="iti__country-name">Indonesia</span><span class="iti__dial-code">+62</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="98" data-country-code="ir" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ir"></div>
            </div><span class="iti__country-name">Iran (‫ایران‬‎)</span><span class="iti__dial-code">+98</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="964" data-country-code="iq" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__iq"></div>
            </div><span class="iti__country-name">Iraq (‫العراق‬‎)</span><span class="iti__dial-code">+964</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="353" data-country-code="ie" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ie"></div>
            </div><span class="iti__country-name">Ireland</span><span class="iti__dial-code">+353</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="44" data-country-code="im" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__im"></div>
            </div><span class="iti__country-name">Isle of Man</span><span class="iti__dial-code">+44</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="972" data-country-code="il" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__il"></div>
            </div><span class="iti__country-name">Israel (‫ישראל‬‎)</span><span class="iti__dial-code">+972</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="39" data-country-code="it" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__it"></div>
            </div><span class="iti__country-name">Italy (Italia)</span><span class="iti__dial-code">+39</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="jm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__jm"></div>
            </div><span class="iti__country-name">Jamaica</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="81" data-country-code="jp" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__jp"></div>
            </div><span class="iti__country-name">Japan (日本)</span><span class="iti__dial-code">+81</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="44" data-country-code="je" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__je"></div>
            </div><span class="iti__country-name">Jersey</span><span class="iti__dial-code">+44</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="962" data-country-code="jo" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__jo"></div>
            </div><span class="iti__country-name">Jordan (‫الأردن‬‎)</span><span class="iti__dial-code">+962</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="7" data-country-code="kz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__kz"></div>
            </div><span class="iti__country-name">Kazakhstan (Казахстан)</span><span class="iti__dial-code">+7</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="254" data-country-code="ke" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ke"></div>
            </div><span class="iti__country-name">Kenya</span><span class="iti__dial-code">+254</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="686" data-country-code="ki" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ki"></div>
            </div><span class="iti__country-name">Kiribati</span><span class="iti__dial-code">+686</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="383" data-country-code="xk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__xk"></div>
            </div><span class="iti__country-name">Kosovo</span><span class="iti__dial-code">+383</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="965" data-country-code="kw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__kw"></div>
            </div><span class="iti__country-name">Kuwait (‫الكويت‬‎)</span><span class="iti__dial-code">+965</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="996" data-country-code="kg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__kg"></div>
            </div><span class="iti__country-name">Kyrgyzstan (Кыргызстан)</span><span class="iti__dial-code">+996</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="856" data-country-code="la" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__la"></div>
            </div><span class="iti__country-name">Laos (ລາວ)</span><span class="iti__dial-code">+856</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="371" data-country-code="lv" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__lv"></div>
            </div><span class="iti__country-name">Latvia (Latvija)</span><span class="iti__dial-code">+371</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="961" data-country-code="lb" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__lb"></div>
            </div><span class="iti__country-name">Lebanon (‫لبنان‬‎)</span><span class="iti__dial-code">+961</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="266" data-country-code="ls" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ls"></div>
            </div><span class="iti__country-name">Lesotho</span><span class="iti__dial-code">+266</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="231" data-country-code="lr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__lr"></div>
            </div><span class="iti__country-name">Liberia</span><span class="iti__dial-code">+231</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="218" data-country-code="ly" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ly"></div>
            </div><span class="iti__country-name">Libya (‫ليبيا‬‎)</span><span class="iti__dial-code">+218</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="423" data-country-code="li" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__li"></div>
            </div><span class="iti__country-name">Liechtenstein</span><span class="iti__dial-code">+423</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="370" data-country-code="lt" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__lt"></div>
            </div><span class="iti__country-name">Lithuania (Lietuva)</span><span class="iti__dial-code">+370</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="352" data-country-code="lu" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__lu"></div>
            </div><span class="iti__country-name">Luxembourg</span><span class="iti__dial-code">+352</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="853" data-country-code="mo" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mo"></div>
            </div><span class="iti__country-name">Macau (澳門)</span><span class="iti__dial-code">+853</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="389" data-country-code="mk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mk"></div>
            </div><span class="iti__country-name">North Macedonia (Македонија)</span><span class="iti__dial-code">+389</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="261" data-country-code="mg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mg"></div>
            </div><span class="iti__country-name">Madagascar (Madagasikara)</span><span class="iti__dial-code">+261</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="265" data-country-code="mw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mw"></div>
            </div><span class="iti__country-name">Malawi</span><span class="iti__dial-code">+265</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="60" data-country-code="my" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__my"></div>
            </div><span class="iti__country-name">Malaysia</span><span class="iti__dial-code">+60</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="960" data-country-code="mv" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mv"></div>
            </div><span class="iti__country-name">Maldives</span><span class="iti__dial-code">+960</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="223" data-country-code="ml" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ml"></div>
            </div><span class="iti__country-name">Mali</span><span class="iti__dial-code">+223</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="356" data-country-code="mt" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mt"></div>
            </div><span class="iti__country-name">Malta</span><span class="iti__dial-code">+356</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="692" data-country-code="mh" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mh"></div>
            </div><span class="iti__country-name">Marshall Islands</span><span class="iti__dial-code">+692</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="596" data-country-code="mq" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mq"></div>
            </div><span class="iti__country-name">Martinique</span><span class="iti__dial-code">+596</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="222" data-country-code="mr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mr"></div>
            </div><span class="iti__country-name">Mauritania (‫موريتانيا‬‎)</span><span class="iti__dial-code">+222</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="230" data-country-code="mu" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mu"></div>
            </div><span class="iti__country-name">Mauritius (Moris)</span><span class="iti__dial-code">+230</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="262" data-country-code="yt" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__yt"></div>
            </div><span class="iti__country-name">Mayotte</span><span class="iti__dial-code">+262</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="52" data-country-code="mx" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mx"></div>
            </div><span class="iti__country-name">Mexico (México)</span><span class="iti__dial-code">+52</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="691" data-country-code="fm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__fm"></div>
            </div><span class="iti__country-name">Micronesia</span><span class="iti__dial-code">+691</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="373" data-country-code="md" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__md"></div>
            </div><span class="iti__country-name">Moldova (Republica Moldova)</span><span class="iti__dial-code">+373</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="377" data-country-code="mc" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mc"></div>
            </div><span class="iti__country-name">Monaco</span><span class="iti__dial-code">+377</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="976" data-country-code="mn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mn"></div>
            </div><span class="iti__country-name">Mongolia (Монгол)</span><span class="iti__dial-code">+976</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="382" data-country-code="me" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__me"></div>
            </div><span class="iti__country-name">Montenegro (Crna Gora)</span><span class="iti__dial-code">+382</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="ms" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ms"></div>
            </div><span class="iti__country-name">Montserrat</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="212" data-country-code="ma" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ma"></div>
            </div><span class="iti__country-name">Morocco (‫المغرب‬‎)</span><span class="iti__dial-code">+212</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="258" data-country-code="mz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mz"></div>
            </div><span class="iti__country-name">Mozambique (Moçambique)</span><span class="iti__dial-code">+258</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="95" data-country-code="mm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mm"></div>
            </div><span class="iti__country-name">Myanmar (Burma) (မြန်မာ)</span><span class="iti__dial-code">+95</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="264" data-country-code="na" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__na"></div>
            </div><span class="iti__country-name">Namibia (Namibië)</span><span class="iti__dial-code">+264</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="674" data-country-code="nr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__nr"></div>
            </div><span class="iti__country-name">Nauru</span><span class="iti__dial-code">+674</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="977" data-country-code="np" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__np"></div>
            </div><span class="iti__country-name">Nepal (नेपाल)</span><span class="iti__dial-code">+977</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="31" data-country-code="nl" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__nl"></div>
            </div><span class="iti__country-name">Netherlands (Nederland)</span><span class="iti__dial-code">+31</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="687" data-country-code="nc" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__nc"></div>
            </div><span class="iti__country-name">New Caledonia (Nouvelle-Calédonie)</span><span class="iti__dial-code">+687</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="64" data-country-code="nz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__nz"></div>
            </div><span class="iti__country-name">New Zealand</span><span class="iti__dial-code">+64</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="505" data-country-code="ni" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ni"></div>
            </div><span class="iti__country-name">Nicaragua</span><span class="iti__dial-code">+505</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="227" data-country-code="ne" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ne"></div>
            </div><span class="iti__country-name">Niger (Nijar)</span><span class="iti__dial-code">+227</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="234" data-country-code="ng" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ng"></div>
            </div><span class="iti__country-name">Nigeria</span><span class="iti__dial-code">+234</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="683" data-country-code="nu" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__nu"></div>
            </div><span class="iti__country-name">Niue</span><span class="iti__dial-code">+683</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="672" data-country-code="nf" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__nf"></div>
            </div><span class="iti__country-name">Norfolk Island</span><span class="iti__dial-code">+672</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="850" data-country-code="kp" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__kp"></div>
            </div><span class="iti__country-name">North Korea (조선 민주주의 인민 공화국)</span><span class="iti__dial-code">+850</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="mp" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mp"></div>
            </div><span class="iti__country-name">Northern Mariana Islands</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="47" data-country-code="no" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__no"></div>
            </div><span class="iti__country-name">Norway (Norge)</span><span class="iti__dial-code">+47</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="968" data-country-code="om" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__om"></div>
            </div><span class="iti__country-name">Oman (‫عُمان‬‎)</span><span class="iti__dial-code">+968</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="92" data-country-code="pk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pk"></div>
            </div><span class="iti__country-name">Pakistan (‫پاکستان‬‎)</span><span class="iti__dial-code">+92</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="680" data-country-code="pw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pw"></div>
            </div><span class="iti__country-name">Palau</span><span class="iti__dial-code">+680</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="970" data-country-code="ps" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ps"></div>
            </div><span class="iti__country-name">Palestine (‫فلسطين‬‎)</span><span class="iti__dial-code">+970</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="507" data-country-code="pa" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pa"></div>
            </div><span class="iti__country-name">Panama (Panamá)</span><span class="iti__dial-code">+507</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="675" data-country-code="pg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pg"></div>
            </div><span class="iti__country-name">Papua New Guinea</span><span class="iti__dial-code">+675</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="595" data-country-code="py" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__py"></div>
            </div><span class="iti__country-name">Paraguay</span><span class="iti__dial-code">+595</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="51" data-country-code="pe" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pe"></div>
            </div><span class="iti__country-name">Peru (Perú)</span><span class="iti__dial-code">+51</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="63" data-country-code="ph" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ph"></div>
            </div><span class="iti__country-name">Philippines</span><span class="iti__dial-code">+63</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="48" data-country-code="pl" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pl"></div>
            </div><span class="iti__country-name">Poland (Polska)</span><span class="iti__dial-code">+48</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="351" data-country-code="pt" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pt"></div>
            </div><span class="iti__country-name">Portugal</span><span class="iti__dial-code">+351</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="pr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pr"></div>
            </div><span class="iti__country-name">Puerto Rico</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="974" data-country-code="qa" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__qa"></div>
            </div><span class="iti__country-name">Qatar (‫قطر‬‎)</span><span class="iti__dial-code">+974</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="262" data-country-code="re" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__re"></div>
            </div><span class="iti__country-name">Réunion (La Réunion)</span><span class="iti__dial-code">+262</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="40" data-country-code="ro" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ro"></div>
            </div><span class="iti__country-name">Romania (România)</span><span class="iti__dial-code">+40</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="7" data-country-code="ru" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ru"></div>
            </div><span class="iti__country-name">Russia (Россия)</span><span class="iti__dial-code">+7</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="250" data-country-code="rw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__rw"></div>
            </div><span class="iti__country-name">Rwanda</span><span class="iti__dial-code">+250</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="590" data-country-code="bl" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bl"></div>
            </div><span class="iti__country-name">Saint Barthélemy</span><span class="iti__dial-code">+590</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="290" data-country-code="sh" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sh"></div>
            </div><span class="iti__country-name">Saint Helena</span><span class="iti__dial-code">+290</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="kn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__kn"></div>
            </div><span class="iti__country-name">Saint Kitts and Nevis</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="lc" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__lc"></div>
            </div><span class="iti__country-name">Saint Lucia</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="590" data-country-code="mf" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mf"></div>
            </div><span class="iti__country-name">Saint Martin (Saint-Martin (partie française))</span><span class="iti__dial-code">+590</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="508" data-country-code="pm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pm"></div>
            </div><span class="iti__country-name">Saint Pierre and Miquelon (Saint-Pierre-et-Miquelon)</span><span class="iti__dial-code">+508</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="vc" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__vc"></div>
            </div><span class="iti__country-name">Saint Vincent and the Grenadines</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="685" data-country-code="ws" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ws"></div>
            </div><span class="iti__country-name">Samoa</span><span class="iti__dial-code">+685</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="378" data-country-code="sm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sm"></div>
            </div><span class="iti__country-name">San Marino</span><span class="iti__dial-code">+378</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="239" data-country-code="st" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__st"></div>
            </div><span class="iti__country-name">São Tomé and Príncipe (São Tomé e Príncipe)</span><span class="iti__dial-code">+239</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="966" data-country-code="sa" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sa"></div>
            </div><span class="iti__country-name">Saudi Arabia (‫المملكة العربية السعودية‬‎)</span><span class="iti__dial-code">+966</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="221" data-country-code="sn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sn"></div>
            </div><span class="iti__country-name">Senegal (Sénégal)</span><span class="iti__dial-code">+221</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="381" data-country-code="rs" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__rs"></div>
            </div><span class="iti__country-name">Serbia (Србија)</span><span class="iti__dial-code">+381</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="248" data-country-code="sc" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sc"></div>
            </div><span class="iti__country-name">Seychelles</span><span class="iti__dial-code">+248</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="232" data-country-code="sl" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sl"></div>
            </div><span class="iti__country-name">Sierra Leone</span><span class="iti__dial-code">+232</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="65" data-country-code="sg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sg"></div>
            </div><span class="iti__country-name">Singapore</span><span class="iti__dial-code">+65</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="sx" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sx"></div>
            </div><span class="iti__country-name">Sint Maarten</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="421" data-country-code="sk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sk"></div>
            </div><span class="iti__country-name">Slovakia (Slovensko)</span><span class="iti__dial-code">+421</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="386" data-country-code="si" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__si"></div>
            </div><span class="iti__country-name">Slovenia (Slovenija)</span><span class="iti__dial-code">+386</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="677" data-country-code="sb" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sb"></div>
            </div><span class="iti__country-name">Solomon Islands</span><span class="iti__dial-code">+677</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="252" data-country-code="so" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__so"></div>
            </div><span class="iti__country-name">Somalia (Soomaaliya)</span><span class="iti__dial-code">+252</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="27" data-country-code="za" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__za"></div>
            </div><span class="iti__country-name">South Africa</span><span class="iti__dial-code">+27</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="82" data-country-code="kr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__kr"></div>
            </div><span class="iti__country-name">South Korea (대한민국)</span><span class="iti__dial-code">+82</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="211" data-country-code="ss" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ss"></div>
            </div><span class="iti__country-name">South Sudan (‫جنوب السودان‬‎)</span><span class="iti__dial-code">+211</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="34" data-country-code="es" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__es"></div>
            </div><span class="iti__country-name">Spain (España)</span><span class="iti__dial-code">+34</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="94" data-country-code="lk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__lk"></div>
            </div><span class="iti__country-name">Sri Lanka (ශ්‍රී ලංකාව)</span><span class="iti__dial-code">+94</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="249" data-country-code="sd" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sd"></div>
            </div><span class="iti__country-name">Sudan (‫السودان‬‎)</span><span class="iti__dial-code">+249</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="597" data-country-code="sr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sr"></div>
            </div><span class="iti__country-name">Suriname</span><span class="iti__dial-code">+597</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="47" data-country-code="sj" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sj"></div>
            </div><span class="iti__country-name">Svalbard and Jan Mayen</span><span class="iti__dial-code">+47</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="46" data-country-code="se" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__se"></div>
            </div><span class="iti__country-name">Sweden (Sverige)</span><span class="iti__dial-code">+46</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="41" data-country-code="ch" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ch"></div>
            </div><span class="iti__country-name">Switzerland (Schweiz)</span><span class="iti__dial-code">+41</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="963" data-country-code="sy" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sy"></div>
            </div><span class="iti__country-name">Syria (‫سوريا‬‎)</span><span class="iti__dial-code">+963</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="886" data-country-code="tw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tw"></div>
            </div><span class="iti__country-name">Taiwan (台灣)</span><span class="iti__dial-code">+886</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="992" data-country-code="tj" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tj"></div>
            </div><span class="iti__country-name">Tajikistan</span><span class="iti__dial-code">+992</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="255" data-country-code="tz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tz"></div>
            </div><span class="iti__country-name">Tanzania</span><span class="iti__dial-code">+255</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="66" data-country-code="th" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__th"></div>
            </div><span class="iti__country-name">Thailand (ไทย)</span><span class="iti__dial-code">+66</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="670" data-country-code="tl" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tl"></div>
            </div><span class="iti__country-name">Timor-Leste</span><span class="iti__dial-code">+670</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="228" data-country-code="tg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tg"></div>
            </div><span class="iti__country-name">Togo</span><span class="iti__dial-code">+228</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="690" data-country-code="tk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tk"></div>
            </div><span class="iti__country-name">Tokelau</span><span class="iti__dial-code">+690</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="676" data-country-code="to" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__to"></div>
            </div><span class="iti__country-name">Tonga</span><span class="iti__dial-code">+676</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="tt" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tt"></div>
            </div><span class="iti__country-name">Trinidad and Tobago</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="216" data-country-code="tn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tn"></div>
            </div><span class="iti__country-name">Tunisia (‫تونس‬‎)</span><span class="iti__dial-code">+216</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="90" data-country-code="tr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tr"></div>
            </div><span class="iti__country-name">Turkey (Türkiye)</span><span class="iti__dial-code">+90</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="993" data-country-code="tm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tm"></div>
            </div><span class="iti__country-name">Turkmenistan</span><span class="iti__dial-code">+993</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="tc" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tc"></div>
            </div><span class="iti__country-name">Turks and Caicos Islands</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="688" data-country-code="tv" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tv"></div>
            </div><span class="iti__country-name">Tuvalu</span><span class="iti__dial-code">+688</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="vi" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__vi"></div>
            </div><span class="iti__country-name">U.S. Virgin Islands</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="256" data-country-code="ug" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ug"></div>
            </div><span class="iti__country-name">Uganda</span><span class="iti__dial-code">+256</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="380" data-country-code="ua" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ua"></div>
            </div><span class="iti__country-name">Ukraine (Україна)</span><span class="iti__dial-code">+380</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="971" data-country-code="ae" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ae"></div>
            </div><span class="iti__country-name">United Arab Emirates (‫الإمارات العربية المتحدة‬‎)</span><span class="iti__dial-code">+971</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="44" data-country-code="gb" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gb"></div>
            </div><span class="iti__country-name">United Kingdom</span><span class="iti__dial-code">+44</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="us" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__us"></div>
            </div><span class="iti__country-name">United States</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="598" data-country-code="uy" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__uy"></div>
            </div><span class="iti__country-name">Uruguay</span><span class="iti__dial-code">+598</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="998" data-country-code="uz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__uz"></div>
            </div><span class="iti__country-name">Uzbekistan (Oʻzbekiston)</span><span class="iti__dial-code">+998</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="678" data-country-code="vu" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__vu"></div>
            </div><span class="iti__country-name">Vanuatu</span><span class="iti__dial-code">+678</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="39" data-country-code="va" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__va"></div>
            </div><span class="iti__country-name">Vatican City (Città del Vaticano)</span><span class="iti__dial-code">+39</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="58" data-country-code="ve" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ve"></div>
            </div><span class="iti__country-name">Venezuela</span><span class="iti__dial-code">+58</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="84" data-country-code="vn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__vn"></div>
            </div><span class="iti__country-name">Vietnam (Việt Nam)</span><span class="iti__dial-code">+84</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="681" data-country-code="wf" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__wf"></div>
            </div><span class="iti__country-name">Wallis and Futuna (Wallis-et-Futuna)</span><span class="iti__dial-code">+681</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="212" data-country-code="eh" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__eh"></div>
            </div><span class="iti__country-name">Western Sahara (‫الصحراء الغربية‬‎)</span><span class="iti__dial-code">+212</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="967" data-country-code="ye" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ye"></div>
            </div><span class="iti__country-name">Yemen (‫اليمن‬‎)</span><span class="iti__dial-code">+967</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="260" data-country-code="zm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__zm"></div>
            </div><span class="iti__country-name">Zambia</span><span class="iti__dial-code">+260</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="263" data-country-code="zw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__zw"></div>
            </div><span class="iti__country-name">Zimbabwe</span><span class="iti__dial-code">+263</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="358" data-country-code="ax" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ax"></div>
            </div><span class="iti__country-name">Åland Islands</span><span class="iti__dial-code">+358</span>
          </li>
        </ul>
      </div><input tabindex="-1" id="" type="submit" name="PhonePrefix" value="" class="footer__form-code" autocomplete="off" data-intl-tel-input-id="0">
    </div>
    <input tabindex="-1" type="tel" id="" name="Phone" class="footer__form-number" placeholder="000 000 000" required="">
    <label class="footer__form-label" for="phone-number">Phone number</label>
  </div>
  <button tabindex="-1" class="btn btn-green btn-footer light"> Let’s connect <i class="fas fa-chevron-right"></i>
  </button>
  <span class="footer__link">✓ Receive a free trial account</span>
  <input name="__RequestVerificationToken" type="hidden" value="CfDJ8E5kNGE2g5FNoC-imXX67hPElkm_zAxTY9iEvvebR9IRVtQAXqMKDzMzONjfULzjXWXal4stY6td5TgZFkIxeC3KnTkJ04ECWEVI8hgSZR37oF1XrdG3nhM45plSMxGjT2u3S0BvfmI4dA4YNqGJhxE" tabindex="-1"><input
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POST /en/solutions/creditrisksuite/resources/insights/a-comprehensive-guide-to-credit-rating-modelling/

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  <div class="footer__form-block">
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    <label class="footer__form-label" for="footer-name">First &amp; Last Name</label>
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  <div class="div div-first">
    <div class="footer__form-block">
      <input tabindex="0" id="company" name="Company" class="footer__form-company" type="text" placeholder="Company" required="">
      <label class="footer__form-label" for="company">Company</label>
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    <div class="footer__form-block footer__form-block-job">
      <input tabindex="0" id="job" name="JobTitle" class="footer__form-job" type="text" placeholder="Job title" required="">
      <label class="footer__form-label" for="job">Job title</label>
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  </div>
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    <div class="footer__form-block footer__form-block-mail">
      <input tabindex="0" id="footer-email" name="Email" class="footer__form-mail" type="text" placeholder="Email" required="">
      <label class="footer__form-label" for="footer-email">Email</label>
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    <button tabindex="0" type="button" class="btn btn-form-mesage">Add message?</button>
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  <div class="footer__message-wrap">
    <div class="footer__form-block">
      <textarea tabindex="-1" id="message" name="Message" class="footer__form-message" placeholder="Your message"></textarea>
      <label class="footer__form-label" for="message">Your message</label>
    </div>
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</form>

POST /en/solutions/creditrisksuite/resources/insights/a-comprehensive-guide-to-credit-rating-modelling/

<form action="/en/solutions/creditrisksuite/resources/insights/a-comprehensive-guide-to-credit-rating-modelling/" class="footer__form js-contact-form" data-target="request-form" enctype="multipart/form-data" id="formc89f3d9ad0b54a8dae168c5d06ca5580"
  method="post" role="form">
  <div class="footer__form-block">
    <input tabindex="-1" id="name-call" name="FullName" class="footer__form-name" type="text" placeholder="First &amp; Last Name" required="">
    <label class="footer__form-label" for="name-call">First &amp; Last Name</label>
  </div>
  <div class="div div-first">
    <div class="footer__form-block">
      <input tabindex="-1" id="company-call" name="Company" class="footer__form-company" type="text" placeholder="Company" required="">
      <label class="footer__form-label" for="company-call">Company</label>
    </div>
    <div class="footer__form-block footer__form-block-job">
      <input tabindex="-1" id="job-call" name="JobTitle" class="footer__form-job" type="text" placeholder="Job title" required="">
      <label class="footer__form-label" for="job-call">Job title</label>
    </div>
  </div>
  <div class="div phone-number-div">
    <div class="iti__arrow">
      <i class="fas fa-sort-up"></i>
      <i class="fas fa-sort-down"></i>
    </div>
    <div class="iti iti--allow-dropdown">
      <div class="iti__flag-container">
        <div class="iti__selected-flag" role="combobox" aria-controls="iti-0__country-listbox" aria-owns="iti-0__country-listbox" aria-expanded="false" tabindex="0" title="United States: +1" aria-activedescendant="iti-0__item-us-preferred">
          <div class="iti__flag iti__us">+31</div>
          <div class="iti__arrow"></div>
        </div>
        <ul class="iti__country-list iti__hide" id="iti-0__country-listbox" role="listbox" aria-label="List of countries">
          <li class="iti__country iti__preferred iti__active" tabindex="-1" id="iti-0__item-us-preferred" role="option" data-dial-code="1" data-country-code="us" aria-selected="true">
            <div class="iti__flag-box">
              <div class="iti__flag iti__us"></div>
            </div><span class="iti__country-name">United States</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__preferred" tabindex="-1" id="iti-0__item-gb-preferred" role="option" data-dial-code="44" data-country-code="gb" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gb"></div>
            </div><span class="iti__country-name">United Kingdom</span><span class="iti__dial-code">+44</span>
          </li>
          <li class="iti__divider" role="separator" aria-disabled="true"></li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-af" role="option" data-dial-code="93" data-country-code="af" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__af"></div>
            </div><span class="iti__country-name">Afghanistan (‫افغانستان‬‎)</span><span class="iti__dial-code">+93</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-al" role="option" data-dial-code="355" data-country-code="al" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__al"></div>
            </div><span class="iti__country-name">Albania (Shqipëri)</span><span class="iti__dial-code">+355</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-dz" role="option" data-dial-code="213" data-country-code="dz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__dz"></div>
            </div><span class="iti__country-name">Algeria (‫الجزائر‬‎)</span><span class="iti__dial-code">+213</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-as" role="option" data-dial-code="1" data-country-code="as" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__as"></div>
            </div><span class="iti__country-name">American Samoa</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ad" role="option" data-dial-code="376" data-country-code="ad" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ad"></div>
            </div><span class="iti__country-name">Andorra</span><span class="iti__dial-code">+376</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ao" role="option" data-dial-code="244" data-country-code="ao" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ao"></div>
            </div><span class="iti__country-name">Angola</span><span class="iti__dial-code">+244</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ai" role="option" data-dial-code="1" data-country-code="ai" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ai"></div>
            </div><span class="iti__country-name">Anguilla</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ag" role="option" data-dial-code="1" data-country-code="ag" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ag"></div>
            </div><span class="iti__country-name">Antigua and Barbuda</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ar" role="option" data-dial-code="54" data-country-code="ar" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ar"></div>
            </div><span class="iti__country-name">Argentina</span><span class="iti__dial-code">+54</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-am" role="option" data-dial-code="374" data-country-code="am" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__am"></div>
            </div><span class="iti__country-name">Armenia (Հայաստան)</span><span class="iti__dial-code">+374</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-aw" role="option" data-dial-code="297" data-country-code="aw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__aw"></div>
            </div><span class="iti__country-name">Aruba</span><span class="iti__dial-code">+297</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ac" role="option" data-dial-code="247" data-country-code="ac" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ac"></div>
            </div><span class="iti__country-name">Ascension Island</span><span class="iti__dial-code">+247</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-au" role="option" data-dial-code="61" data-country-code="au" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__au"></div>
            </div><span class="iti__country-name">Australia</span><span class="iti__dial-code">+61</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-at" role="option" data-dial-code="43" data-country-code="at" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__at"></div>
            </div><span class="iti__country-name">Austria (Österreich)</span><span class="iti__dial-code">+43</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-az" role="option" data-dial-code="994" data-country-code="az" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__az"></div>
            </div><span class="iti__country-name">Azerbaijan (Azərbaycan)</span><span class="iti__dial-code">+994</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-bs" role="option" data-dial-code="1" data-country-code="bs" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bs"></div>
            </div><span class="iti__country-name">Bahamas</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-bh" role="option" data-dial-code="973" data-country-code="bh" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bh"></div>
            </div><span class="iti__country-name">Bahrain (‫البحرين‬‎)</span><span class="iti__dial-code">+973</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-bd" role="option" data-dial-code="880" data-country-code="bd" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bd"></div>
            </div><span class="iti__country-name">Bangladesh (বাংলাদেশ)</span><span class="iti__dial-code">+880</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-bb" role="option" data-dial-code="1" data-country-code="bb" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bb"></div>
            </div><span class="iti__country-name">Barbados</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-by" role="option" data-dial-code="375" data-country-code="by" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__by"></div>
            </div><span class="iti__country-name">Belarus (Беларусь)</span><span class="iti__dial-code">+375</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-be" role="option" data-dial-code="32" data-country-code="be" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__be"></div>
            </div><span class="iti__country-name">Belgium (België)</span><span class="iti__dial-code">+32</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-bz" role="option" data-dial-code="501" data-country-code="bz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bz"></div>
            </div><span class="iti__country-name">Belize</span><span class="iti__dial-code">+501</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-bj" role="option" data-dial-code="229" data-country-code="bj" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bj"></div>
            </div><span class="iti__country-name">Benin (Bénin)</span><span class="iti__dial-code">+229</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-bm" role="option" data-dial-code="1" data-country-code="bm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bm"></div>
            </div><span class="iti__country-name">Bermuda</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-bt" role="option" data-dial-code="975" data-country-code="bt" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bt"></div>
            </div><span class="iti__country-name">Bhutan (འབྲུག)</span><span class="iti__dial-code">+975</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-bo" role="option" data-dial-code="591" data-country-code="bo" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bo"></div>
            </div><span class="iti__country-name">Bolivia</span><span class="iti__dial-code">+591</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ba" role="option" data-dial-code="387" data-country-code="ba" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ba"></div>
            </div><span class="iti__country-name">Bosnia and Herzegovina (Босна и Херцеговина)</span><span class="iti__dial-code">+387</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-bw" role="option" data-dial-code="267" data-country-code="bw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bw"></div>
            </div><span class="iti__country-name">Botswana</span><span class="iti__dial-code">+267</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-br" role="option" data-dial-code="55" data-country-code="br" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__br"></div>
            </div><span class="iti__country-name">Brazil (Brasil)</span><span class="iti__dial-code">+55</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-io" role="option" data-dial-code="246" data-country-code="io" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__io"></div>
            </div><span class="iti__country-name">British Indian Ocean Territory</span><span class="iti__dial-code">+246</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-vg" role="option" data-dial-code="1" data-country-code="vg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__vg"></div>
            </div><span class="iti__country-name">British Virgin Islands</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-bn" role="option" data-dial-code="673" data-country-code="bn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bn"></div>
            </div><span class="iti__country-name">Brunei</span><span class="iti__dial-code">+673</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-bg" role="option" data-dial-code="359" data-country-code="bg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bg"></div>
            </div><span class="iti__country-name">Bulgaria (България)</span><span class="iti__dial-code">+359</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-bf" role="option" data-dial-code="226" data-country-code="bf" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bf"></div>
            </div><span class="iti__country-name">Burkina Faso</span><span class="iti__dial-code">+226</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-bi" role="option" data-dial-code="257" data-country-code="bi" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bi"></div>
            </div><span class="iti__country-name">Burundi (Uburundi)</span><span class="iti__dial-code">+257</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-kh" role="option" data-dial-code="855" data-country-code="kh" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__kh"></div>
            </div><span class="iti__country-name">Cambodia (កម្ពុជា)</span><span class="iti__dial-code">+855</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-cm" role="option" data-dial-code="237" data-country-code="cm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cm"></div>
            </div><span class="iti__country-name">Cameroon (Cameroun)</span><span class="iti__dial-code">+237</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ca" role="option" data-dial-code="1" data-country-code="ca" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ca"></div>
            </div><span class="iti__country-name">Canada</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-cv" role="option" data-dial-code="238" data-country-code="cv" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cv"></div>
            </div><span class="iti__country-name">Cape Verde (Kabu Verdi)</span><span class="iti__dial-code">+238</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-bq" role="option" data-dial-code="599" data-country-code="bq" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bq"></div>
            </div><span class="iti__country-name">Caribbean Netherlands</span><span class="iti__dial-code">+599</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ky" role="option" data-dial-code="1" data-country-code="ky" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ky"></div>
            </div><span class="iti__country-name">Cayman Islands</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-cf" role="option" data-dial-code="236" data-country-code="cf" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cf"></div>
            </div><span class="iti__country-name">Central African Republic (République centrafricaine)</span><span class="iti__dial-code">+236</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-td" role="option" data-dial-code="235" data-country-code="td" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__td"></div>
            </div><span class="iti__country-name">Chad (Tchad)</span><span class="iti__dial-code">+235</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-cl" role="option" data-dial-code="56" data-country-code="cl" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cl"></div>
            </div><span class="iti__country-name">Chile</span><span class="iti__dial-code">+56</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-cn" role="option" data-dial-code="86" data-country-code="cn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cn"></div>
            </div><span class="iti__country-name">China (中国)</span><span class="iti__dial-code">+86</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-cx" role="option" data-dial-code="61" data-country-code="cx" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cx"></div>
            </div><span class="iti__country-name">Christmas Island</span><span class="iti__dial-code">+61</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-cc" role="option" data-dial-code="61" data-country-code="cc" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cc"></div>
            </div><span class="iti__country-name">Cocos (Keeling) Islands</span><span class="iti__dial-code">+61</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-co" role="option" data-dial-code="57" data-country-code="co" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__co"></div>
            </div><span class="iti__country-name">Colombia</span><span class="iti__dial-code">+57</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-km" role="option" data-dial-code="269" data-country-code="km" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__km"></div>
            </div><span class="iti__country-name">Comoros (‫جزر القمر‬‎)</span><span class="iti__dial-code">+269</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-cd" role="option" data-dial-code="243" data-country-code="cd" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cd"></div>
            </div><span class="iti__country-name">Congo (DRC) (Jamhuri ya Kidemokrasia ya Kongo)</span><span class="iti__dial-code">+243</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-cg" role="option" data-dial-code="242" data-country-code="cg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cg"></div>
            </div><span class="iti__country-name">Congo (Republic) (Congo-Brazzaville)</span><span class="iti__dial-code">+242</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ck" role="option" data-dial-code="682" data-country-code="ck" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ck"></div>
            </div><span class="iti__country-name">Cook Islands</span><span class="iti__dial-code">+682</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-cr" role="option" data-dial-code="506" data-country-code="cr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cr"></div>
            </div><span class="iti__country-name">Costa Rica</span><span class="iti__dial-code">+506</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ci" role="option" data-dial-code="225" data-country-code="ci" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ci"></div>
            </div><span class="iti__country-name">Côte d’Ivoire</span><span class="iti__dial-code">+225</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-hr" role="option" data-dial-code="385" data-country-code="hr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__hr"></div>
            </div><span class="iti__country-name">Croatia (Hrvatska)</span><span class="iti__dial-code">+385</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-cu" role="option" data-dial-code="53" data-country-code="cu" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cu"></div>
            </div><span class="iti__country-name">Cuba</span><span class="iti__dial-code">+53</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-cw" role="option" data-dial-code="599" data-country-code="cw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cw"></div>
            </div><span class="iti__country-name">Curaçao</span><span class="iti__dial-code">+599</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-cy" role="option" data-dial-code="357" data-country-code="cy" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cy"></div>
            </div><span class="iti__country-name">Cyprus (Κύπρος)</span><span class="iti__dial-code">+357</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-cz" role="option" data-dial-code="420" data-country-code="cz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cz"></div>
            </div><span class="iti__country-name">Czech Republic (Česká republika)</span><span class="iti__dial-code">+420</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-dk" role="option" data-dial-code="45" data-country-code="dk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__dk"></div>
            </div><span class="iti__country-name">Denmark (Danmark)</span><span class="iti__dial-code">+45</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-dj" role="option" data-dial-code="253" data-country-code="dj" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__dj"></div>
            </div><span class="iti__country-name">Djibouti</span><span class="iti__dial-code">+253</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-dm" role="option" data-dial-code="1" data-country-code="dm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__dm"></div>
            </div><span class="iti__country-name">Dominica</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-do" role="option" data-dial-code="1" data-country-code="do" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__do"></div>
            </div><span class="iti__country-name">Dominican Republic (República Dominicana)</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ec" role="option" data-dial-code="593" data-country-code="ec" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ec"></div>
            </div><span class="iti__country-name">Ecuador</span><span class="iti__dial-code">+593</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-eg" role="option" data-dial-code="20" data-country-code="eg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__eg"></div>
            </div><span class="iti__country-name">Egypt (‫مصر‬‎)</span><span class="iti__dial-code">+20</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-sv" role="option" data-dial-code="503" data-country-code="sv" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sv"></div>
            </div><span class="iti__country-name">El Salvador</span><span class="iti__dial-code">+503</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-gq" role="option" data-dial-code="240" data-country-code="gq" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gq"></div>
            </div><span class="iti__country-name">Equatorial Guinea (Guinea Ecuatorial)</span><span class="iti__dial-code">+240</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-er" role="option" data-dial-code="291" data-country-code="er" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__er"></div>
            </div><span class="iti__country-name">Eritrea</span><span class="iti__dial-code">+291</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ee" role="option" data-dial-code="372" data-country-code="ee" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ee"></div>
            </div><span class="iti__country-name">Estonia (Eesti)</span><span class="iti__dial-code">+372</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-sz" role="option" data-dial-code="268" data-country-code="sz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sz"></div>
            </div><span class="iti__country-name">Eswatini</span><span class="iti__dial-code">+268</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-et" role="option" data-dial-code="251" data-country-code="et" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__et"></div>
            </div><span class="iti__country-name">Ethiopia</span><span class="iti__dial-code">+251</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-fk" role="option" data-dial-code="500" data-country-code="fk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__fk"></div>
            </div><span class="iti__country-name">Falkland Islands (Islas Malvinas)</span><span class="iti__dial-code">+500</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-fo" role="option" data-dial-code="298" data-country-code="fo" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__fo"></div>
            </div><span class="iti__country-name">Faroe Islands (Føroyar)</span><span class="iti__dial-code">+298</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-fj" role="option" data-dial-code="679" data-country-code="fj" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__fj"></div>
            </div><span class="iti__country-name">Fiji</span><span class="iti__dial-code">+679</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-fi" role="option" data-dial-code="358" data-country-code="fi" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__fi"></div>
            </div><span class="iti__country-name">Finland (Suomi)</span><span class="iti__dial-code">+358</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-fr" role="option" data-dial-code="33" data-country-code="fr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__fr"></div>
            </div><span class="iti__country-name">France</span><span class="iti__dial-code">+33</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-gf" role="option" data-dial-code="594" data-country-code="gf" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gf"></div>
            </div><span class="iti__country-name">French Guiana (Guyane française)</span><span class="iti__dial-code">+594</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-pf" role="option" data-dial-code="689" data-country-code="pf" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pf"></div>
            </div><span class="iti__country-name">French Polynesia (Polynésie française)</span><span class="iti__dial-code">+689</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ga" role="option" data-dial-code="241" data-country-code="ga" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ga"></div>
            </div><span class="iti__country-name">Gabon</span><span class="iti__dial-code">+241</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-gm" role="option" data-dial-code="220" data-country-code="gm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gm"></div>
            </div><span class="iti__country-name">Gambia</span><span class="iti__dial-code">+220</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ge" role="option" data-dial-code="995" data-country-code="ge" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ge"></div>
            </div><span class="iti__country-name">Georgia (საქართველო)</span><span class="iti__dial-code">+995</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-de" role="option" data-dial-code="49" data-country-code="de" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__de"></div>
            </div><span class="iti__country-name">Germany (Deutschland)</span><span class="iti__dial-code">+49</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-gh" role="option" data-dial-code="233" data-country-code="gh" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gh"></div>
            </div><span class="iti__country-name">Ghana (Gaana)</span><span class="iti__dial-code">+233</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-gi" role="option" data-dial-code="350" data-country-code="gi" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gi"></div>
            </div><span class="iti__country-name">Gibraltar</span><span class="iti__dial-code">+350</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-gr" role="option" data-dial-code="30" data-country-code="gr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gr"></div>
            </div><span class="iti__country-name">Greece (Ελλάδα)</span><span class="iti__dial-code">+30</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-gl" role="option" data-dial-code="299" data-country-code="gl" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gl"></div>
            </div><span class="iti__country-name">Greenland (Kalaallit Nunaat)</span><span class="iti__dial-code">+299</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-gd" role="option" data-dial-code="1" data-country-code="gd" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gd"></div>
            </div><span class="iti__country-name">Grenada</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-gp" role="option" data-dial-code="590" data-country-code="gp" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gp"></div>
            </div><span class="iti__country-name">Guadeloupe</span><span class="iti__dial-code">+590</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-gu" role="option" data-dial-code="1" data-country-code="gu" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gu"></div>
            </div><span class="iti__country-name">Guam</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-gt" role="option" data-dial-code="502" data-country-code="gt" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gt"></div>
            </div><span class="iti__country-name">Guatemala</span><span class="iti__dial-code">+502</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-gg" role="option" data-dial-code="44" data-country-code="gg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gg"></div>
            </div><span class="iti__country-name">Guernsey</span><span class="iti__dial-code">+44</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-gn" role="option" data-dial-code="224" data-country-code="gn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gn"></div>
            </div><span class="iti__country-name">Guinea (Guinée)</span><span class="iti__dial-code">+224</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-gw" role="option" data-dial-code="245" data-country-code="gw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gw"></div>
            </div><span class="iti__country-name">Guinea-Bissau (Guiné Bissau)</span><span class="iti__dial-code">+245</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-gy" role="option" data-dial-code="592" data-country-code="gy" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gy"></div>
            </div><span class="iti__country-name">Guyana</span><span class="iti__dial-code">+592</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ht" role="option" data-dial-code="509" data-country-code="ht" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ht"></div>
            </div><span class="iti__country-name">Haiti</span><span class="iti__dial-code">+509</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-hn" role="option" data-dial-code="504" data-country-code="hn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__hn"></div>
            </div><span class="iti__country-name">Honduras</span><span class="iti__dial-code">+504</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-hk" role="option" data-dial-code="852" data-country-code="hk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__hk"></div>
            </div><span class="iti__country-name">Hong Kong (香港)</span><span class="iti__dial-code">+852</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-hu" role="option" data-dial-code="36" data-country-code="hu" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__hu"></div>
            </div><span class="iti__country-name">Hungary (Magyarország)</span><span class="iti__dial-code">+36</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-is" role="option" data-dial-code="354" data-country-code="is" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__is"></div>
            </div><span class="iti__country-name">Iceland (Ísland)</span><span class="iti__dial-code">+354</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-in" role="option" data-dial-code="91" data-country-code="in" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__in"></div>
            </div><span class="iti__country-name">India (भारत)</span><span class="iti__dial-code">+91</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-id" role="option" data-dial-code="62" data-country-code="id" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__id"></div>
            </div><span class="iti__country-name">Indonesia</span><span class="iti__dial-code">+62</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ir" role="option" data-dial-code="98" data-country-code="ir" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ir"></div>
            </div><span class="iti__country-name">Iran (‫ایران‬‎)</span><span class="iti__dial-code">+98</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-iq" role="option" data-dial-code="964" data-country-code="iq" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__iq"></div>
            </div><span class="iti__country-name">Iraq (‫العراق‬‎)</span><span class="iti__dial-code">+964</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ie" role="option" data-dial-code="353" data-country-code="ie" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ie"></div>
            </div><span class="iti__country-name">Ireland</span><span class="iti__dial-code">+353</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-im" role="option" data-dial-code="44" data-country-code="im" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__im"></div>
            </div><span class="iti__country-name">Isle of Man</span><span class="iti__dial-code">+44</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-il" role="option" data-dial-code="972" data-country-code="il" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__il"></div>
            </div><span class="iti__country-name">Israel (‫ישראל‬‎)</span><span class="iti__dial-code">+972</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-it" role="option" data-dial-code="39" data-country-code="it" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__it"></div>
            </div><span class="iti__country-name">Italy (Italia)</span><span class="iti__dial-code">+39</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-jm" role="option" data-dial-code="1" data-country-code="jm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__jm"></div>
            </div><span class="iti__country-name">Jamaica</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-jp" role="option" data-dial-code="81" data-country-code="jp" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__jp"></div>
            </div><span class="iti__country-name">Japan (日本)</span><span class="iti__dial-code">+81</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-je" role="option" data-dial-code="44" data-country-code="je" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__je"></div>
            </div><span class="iti__country-name">Jersey</span><span class="iti__dial-code">+44</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-jo" role="option" data-dial-code="962" data-country-code="jo" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__jo"></div>
            </div><span class="iti__country-name">Jordan (‫الأردن‬‎)</span><span class="iti__dial-code">+962</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-kz" role="option" data-dial-code="7" data-country-code="kz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__kz"></div>
            </div><span class="iti__country-name">Kazakhstan (Казахстан)</span><span class="iti__dial-code">+7</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ke" role="option" data-dial-code="254" data-country-code="ke" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ke"></div>
            </div><span class="iti__country-name">Kenya</span><span class="iti__dial-code">+254</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ki" role="option" data-dial-code="686" data-country-code="ki" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ki"></div>
            </div><span class="iti__country-name">Kiribati</span><span class="iti__dial-code">+686</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-xk" role="option" data-dial-code="383" data-country-code="xk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__xk"></div>
            </div><span class="iti__country-name">Kosovo</span><span class="iti__dial-code">+383</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-kw" role="option" data-dial-code="965" data-country-code="kw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__kw"></div>
            </div><span class="iti__country-name">Kuwait (‫الكويت‬‎)</span><span class="iti__dial-code">+965</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-kg" role="option" data-dial-code="996" data-country-code="kg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__kg"></div>
            </div><span class="iti__country-name">Kyrgyzstan (Кыргызстан)</span><span class="iti__dial-code">+996</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-la" role="option" data-dial-code="856" data-country-code="la" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__la"></div>
            </div><span class="iti__country-name">Laos (ລາວ)</span><span class="iti__dial-code">+856</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-lv" role="option" data-dial-code="371" data-country-code="lv" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__lv"></div>
            </div><span class="iti__country-name">Latvia (Latvija)</span><span class="iti__dial-code">+371</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-lb" role="option" data-dial-code="961" data-country-code="lb" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__lb"></div>
            </div><span class="iti__country-name">Lebanon (‫لبنان‬‎)</span><span class="iti__dial-code">+961</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ls" role="option" data-dial-code="266" data-country-code="ls" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ls"></div>
            </div><span class="iti__country-name">Lesotho</span><span class="iti__dial-code">+266</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-lr" role="option" data-dial-code="231" data-country-code="lr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__lr"></div>
            </div><span class="iti__country-name">Liberia</span><span class="iti__dial-code">+231</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ly" role="option" data-dial-code="218" data-country-code="ly" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ly"></div>
            </div><span class="iti__country-name">Libya (‫ليبيا‬‎)</span><span class="iti__dial-code">+218</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-li" role="option" data-dial-code="423" data-country-code="li" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__li"></div>
            </div><span class="iti__country-name">Liechtenstein</span><span class="iti__dial-code">+423</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-lt" role="option" data-dial-code="370" data-country-code="lt" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__lt"></div>
            </div><span class="iti__country-name">Lithuania (Lietuva)</span><span class="iti__dial-code">+370</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-lu" role="option" data-dial-code="352" data-country-code="lu" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__lu"></div>
            </div><span class="iti__country-name">Luxembourg</span><span class="iti__dial-code">+352</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-mo" role="option" data-dial-code="853" data-country-code="mo" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mo"></div>
            </div><span class="iti__country-name">Macau (澳門)</span><span class="iti__dial-code">+853</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-mk" role="option" data-dial-code="389" data-country-code="mk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mk"></div>
            </div><span class="iti__country-name">North Macedonia (Македонија)</span><span class="iti__dial-code">+389</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-mg" role="option" data-dial-code="261" data-country-code="mg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mg"></div>
            </div><span class="iti__country-name">Madagascar (Madagasikara)</span><span class="iti__dial-code">+261</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-mw" role="option" data-dial-code="265" data-country-code="mw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mw"></div>
            </div><span class="iti__country-name">Malawi</span><span class="iti__dial-code">+265</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-my" role="option" data-dial-code="60" data-country-code="my" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__my"></div>
            </div><span class="iti__country-name">Malaysia</span><span class="iti__dial-code">+60</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-mv" role="option" data-dial-code="960" data-country-code="mv" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mv"></div>
            </div><span class="iti__country-name">Maldives</span><span class="iti__dial-code">+960</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ml" role="option" data-dial-code="223" data-country-code="ml" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ml"></div>
            </div><span class="iti__country-name">Mali</span><span class="iti__dial-code">+223</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-mt" role="option" data-dial-code="356" data-country-code="mt" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mt"></div>
            </div><span class="iti__country-name">Malta</span><span class="iti__dial-code">+356</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-mh" role="option" data-dial-code="692" data-country-code="mh" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mh"></div>
            </div><span class="iti__country-name">Marshall Islands</span><span class="iti__dial-code">+692</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-mq" role="option" data-dial-code="596" data-country-code="mq" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mq"></div>
            </div><span class="iti__country-name">Martinique</span><span class="iti__dial-code">+596</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-mr" role="option" data-dial-code="222" data-country-code="mr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mr"></div>
            </div><span class="iti__country-name">Mauritania (‫موريتانيا‬‎)</span><span class="iti__dial-code">+222</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-mu" role="option" data-dial-code="230" data-country-code="mu" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mu"></div>
            </div><span class="iti__country-name">Mauritius (Moris)</span><span class="iti__dial-code">+230</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-yt" role="option" data-dial-code="262" data-country-code="yt" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__yt"></div>
            </div><span class="iti__country-name">Mayotte</span><span class="iti__dial-code">+262</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-mx" role="option" data-dial-code="52" data-country-code="mx" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mx"></div>
            </div><span class="iti__country-name">Mexico (México)</span><span class="iti__dial-code">+52</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-fm" role="option" data-dial-code="691" data-country-code="fm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__fm"></div>
            </div><span class="iti__country-name">Micronesia</span><span class="iti__dial-code">+691</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-md" role="option" data-dial-code="373" data-country-code="md" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__md"></div>
            </div><span class="iti__country-name">Moldova (Republica Moldova)</span><span class="iti__dial-code">+373</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-mc" role="option" data-dial-code="377" data-country-code="mc" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mc"></div>
            </div><span class="iti__country-name">Monaco</span><span class="iti__dial-code">+377</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-mn" role="option" data-dial-code="976" data-country-code="mn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mn"></div>
            </div><span class="iti__country-name">Mongolia (Монгол)</span><span class="iti__dial-code">+976</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-me" role="option" data-dial-code="382" data-country-code="me" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__me"></div>
            </div><span class="iti__country-name">Montenegro (Crna Gora)</span><span class="iti__dial-code">+382</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ms" role="option" data-dial-code="1" data-country-code="ms" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ms"></div>
            </div><span class="iti__country-name">Montserrat</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ma" role="option" data-dial-code="212" data-country-code="ma" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ma"></div>
            </div><span class="iti__country-name">Morocco (‫المغرب‬‎)</span><span class="iti__dial-code">+212</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-mz" role="option" data-dial-code="258" data-country-code="mz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mz"></div>
            </div><span class="iti__country-name">Mozambique (Moçambique)</span><span class="iti__dial-code">+258</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-mm" role="option" data-dial-code="95" data-country-code="mm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mm"></div>
            </div><span class="iti__country-name">Myanmar (Burma) (မြန်မာ)</span><span class="iti__dial-code">+95</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-na" role="option" data-dial-code="264" data-country-code="na" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__na"></div>
            </div><span class="iti__country-name">Namibia (Namibië)</span><span class="iti__dial-code">+264</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-nr" role="option" data-dial-code="674" data-country-code="nr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__nr"></div>
            </div><span class="iti__country-name">Nauru</span><span class="iti__dial-code">+674</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-np" role="option" data-dial-code="977" data-country-code="np" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__np"></div>
            </div><span class="iti__country-name">Nepal (नेपाल)</span><span class="iti__dial-code">+977</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-nl" role="option" data-dial-code="31" data-country-code="nl" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__nl"></div>
            </div><span class="iti__country-name">Netherlands (Nederland)</span><span class="iti__dial-code">+31</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-nc" role="option" data-dial-code="687" data-country-code="nc" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__nc"></div>
            </div><span class="iti__country-name">New Caledonia (Nouvelle-Calédonie)</span><span class="iti__dial-code">+687</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-nz" role="option" data-dial-code="64" data-country-code="nz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__nz"></div>
            </div><span class="iti__country-name">New Zealand</span><span class="iti__dial-code">+64</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ni" role="option" data-dial-code="505" data-country-code="ni" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ni"></div>
            </div><span class="iti__country-name">Nicaragua</span><span class="iti__dial-code">+505</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ne" role="option" data-dial-code="227" data-country-code="ne" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ne"></div>
            </div><span class="iti__country-name">Niger (Nijar)</span><span class="iti__dial-code">+227</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ng" role="option" data-dial-code="234" data-country-code="ng" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ng"></div>
            </div><span class="iti__country-name">Nigeria</span><span class="iti__dial-code">+234</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-nu" role="option" data-dial-code="683" data-country-code="nu" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__nu"></div>
            </div><span class="iti__country-name">Niue</span><span class="iti__dial-code">+683</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-nf" role="option" data-dial-code="672" data-country-code="nf" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__nf"></div>
            </div><span class="iti__country-name">Norfolk Island</span><span class="iti__dial-code">+672</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-kp" role="option" data-dial-code="850" data-country-code="kp" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__kp"></div>
            </div><span class="iti__country-name">North Korea (조선 민주주의 인민 공화국)</span><span class="iti__dial-code">+850</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-mp" role="option" data-dial-code="1" data-country-code="mp" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mp"></div>
            </div><span class="iti__country-name">Northern Mariana Islands</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-no" role="option" data-dial-code="47" data-country-code="no" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__no"></div>
            </div><span class="iti__country-name">Norway (Norge)</span><span class="iti__dial-code">+47</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-om" role="option" data-dial-code="968" data-country-code="om" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__om"></div>
            </div><span class="iti__country-name">Oman (‫عُمان‬‎)</span><span class="iti__dial-code">+968</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-pk" role="option" data-dial-code="92" data-country-code="pk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pk"></div>
            </div><span class="iti__country-name">Pakistan (‫پاکستان‬‎)</span><span class="iti__dial-code">+92</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-pw" role="option" data-dial-code="680" data-country-code="pw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pw"></div>
            </div><span class="iti__country-name">Palau</span><span class="iti__dial-code">+680</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ps" role="option" data-dial-code="970" data-country-code="ps" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ps"></div>
            </div><span class="iti__country-name">Palestine (‫فلسطين‬‎)</span><span class="iti__dial-code">+970</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-pa" role="option" data-dial-code="507" data-country-code="pa" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pa"></div>
            </div><span class="iti__country-name">Panama (Panamá)</span><span class="iti__dial-code">+507</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-pg" role="option" data-dial-code="675" data-country-code="pg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pg"></div>
            </div><span class="iti__country-name">Papua New Guinea</span><span class="iti__dial-code">+675</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-py" role="option" data-dial-code="595" data-country-code="py" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__py"></div>
            </div><span class="iti__country-name">Paraguay</span><span class="iti__dial-code">+595</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-pe" role="option" data-dial-code="51" data-country-code="pe" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pe"></div>
            </div><span class="iti__country-name">Peru (Perú)</span><span class="iti__dial-code">+51</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ph" role="option" data-dial-code="63" data-country-code="ph" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ph"></div>
            </div><span class="iti__country-name">Philippines</span><span class="iti__dial-code">+63</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-pl" role="option" data-dial-code="48" data-country-code="pl" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pl"></div>
            </div><span class="iti__country-name">Poland (Polska)</span><span class="iti__dial-code">+48</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-pt" role="option" data-dial-code="351" data-country-code="pt" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pt"></div>
            </div><span class="iti__country-name">Portugal</span><span class="iti__dial-code">+351</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-pr" role="option" data-dial-code="1" data-country-code="pr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pr"></div>
            </div><span class="iti__country-name">Puerto Rico</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-qa" role="option" data-dial-code="974" data-country-code="qa" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__qa"></div>
            </div><span class="iti__country-name">Qatar (‫قطر‬‎)</span><span class="iti__dial-code">+974</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-re" role="option" data-dial-code="262" data-country-code="re" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__re"></div>
            </div><span class="iti__country-name">Réunion (La Réunion)</span><span class="iti__dial-code">+262</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ro" role="option" data-dial-code="40" data-country-code="ro" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ro"></div>
            </div><span class="iti__country-name">Romania (România)</span><span class="iti__dial-code">+40</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ru" role="option" data-dial-code="7" data-country-code="ru" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ru"></div>
            </div><span class="iti__country-name">Russia (Россия)</span><span class="iti__dial-code">+7</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-rw" role="option" data-dial-code="250" data-country-code="rw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__rw"></div>
            </div><span class="iti__country-name">Rwanda</span><span class="iti__dial-code">+250</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-bl" role="option" data-dial-code="590" data-country-code="bl" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bl"></div>
            </div><span class="iti__country-name">Saint Barthélemy</span><span class="iti__dial-code">+590</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-sh" role="option" data-dial-code="290" data-country-code="sh" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sh"></div>
            </div><span class="iti__country-name">Saint Helena</span><span class="iti__dial-code">+290</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-kn" role="option" data-dial-code="1" data-country-code="kn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__kn"></div>
            </div><span class="iti__country-name">Saint Kitts and Nevis</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-lc" role="option" data-dial-code="1" data-country-code="lc" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__lc"></div>
            </div><span class="iti__country-name">Saint Lucia</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-mf" role="option" data-dial-code="590" data-country-code="mf" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mf"></div>
            </div><span class="iti__country-name">Saint Martin (Saint-Martin (partie française))</span><span class="iti__dial-code">+590</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-pm" role="option" data-dial-code="508" data-country-code="pm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pm"></div>
            </div><span class="iti__country-name">Saint Pierre and Miquelon (Saint-Pierre-et-Miquelon)</span><span class="iti__dial-code">+508</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-vc" role="option" data-dial-code="1" data-country-code="vc" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__vc"></div>
            </div><span class="iti__country-name">Saint Vincent and the Grenadines</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ws" role="option" data-dial-code="685" data-country-code="ws" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ws"></div>
            </div><span class="iti__country-name">Samoa</span><span class="iti__dial-code">+685</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-sm" role="option" data-dial-code="378" data-country-code="sm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sm"></div>
            </div><span class="iti__country-name">San Marino</span><span class="iti__dial-code">+378</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-st" role="option" data-dial-code="239" data-country-code="st" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__st"></div>
            </div><span class="iti__country-name">São Tomé and Príncipe (São Tomé e Príncipe)</span><span class="iti__dial-code">+239</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-sa" role="option" data-dial-code="966" data-country-code="sa" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sa"></div>
            </div><span class="iti__country-name">Saudi Arabia (‫المملكة العربية السعودية‬‎)</span><span class="iti__dial-code">+966</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-sn" role="option" data-dial-code="221" data-country-code="sn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sn"></div>
            </div><span class="iti__country-name">Senegal (Sénégal)</span><span class="iti__dial-code">+221</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-rs" role="option" data-dial-code="381" data-country-code="rs" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__rs"></div>
            </div><span class="iti__country-name">Serbia (Србија)</span><span class="iti__dial-code">+381</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-sc" role="option" data-dial-code="248" data-country-code="sc" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sc"></div>
            </div><span class="iti__country-name">Seychelles</span><span class="iti__dial-code">+248</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-sl" role="option" data-dial-code="232" data-country-code="sl" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sl"></div>
            </div><span class="iti__country-name">Sierra Leone</span><span class="iti__dial-code">+232</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-sg" role="option" data-dial-code="65" data-country-code="sg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sg"></div>
            </div><span class="iti__country-name">Singapore</span><span class="iti__dial-code">+65</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-sx" role="option" data-dial-code="1" data-country-code="sx" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sx"></div>
            </div><span class="iti__country-name">Sint Maarten</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-sk" role="option" data-dial-code="421" data-country-code="sk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sk"></div>
            </div><span class="iti__country-name">Slovakia (Slovensko)</span><span class="iti__dial-code">+421</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-si" role="option" data-dial-code="386" data-country-code="si" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__si"></div>
            </div><span class="iti__country-name">Slovenia (Slovenija)</span><span class="iti__dial-code">+386</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-sb" role="option" data-dial-code="677" data-country-code="sb" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sb"></div>
            </div><span class="iti__country-name">Solomon Islands</span><span class="iti__dial-code">+677</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-so" role="option" data-dial-code="252" data-country-code="so" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__so"></div>
            </div><span class="iti__country-name">Somalia (Soomaaliya)</span><span class="iti__dial-code">+252</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-za" role="option" data-dial-code="27" data-country-code="za" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__za"></div>
            </div><span class="iti__country-name">South Africa</span><span class="iti__dial-code">+27</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-kr" role="option" data-dial-code="82" data-country-code="kr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__kr"></div>
            </div><span class="iti__country-name">South Korea (대한민국)</span><span class="iti__dial-code">+82</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ss" role="option" data-dial-code="211" data-country-code="ss" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ss"></div>
            </div><span class="iti__country-name">South Sudan (‫جنوب السودان‬‎)</span><span class="iti__dial-code">+211</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-es" role="option" data-dial-code="34" data-country-code="es" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__es"></div>
            </div><span class="iti__country-name">Spain (España)</span><span class="iti__dial-code">+34</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-lk" role="option" data-dial-code="94" data-country-code="lk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__lk"></div>
            </div><span class="iti__country-name">Sri Lanka (ශ්‍රී ලංකාව)</span><span class="iti__dial-code">+94</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-sd" role="option" data-dial-code="249" data-country-code="sd" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sd"></div>
            </div><span class="iti__country-name">Sudan (‫السودان‬‎)</span><span class="iti__dial-code">+249</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-sr" role="option" data-dial-code="597" data-country-code="sr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sr"></div>
            </div><span class="iti__country-name">Suriname</span><span class="iti__dial-code">+597</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-sj" role="option" data-dial-code="47" data-country-code="sj" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sj"></div>
            </div><span class="iti__country-name">Svalbard and Jan Mayen</span><span class="iti__dial-code">+47</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-se" role="option" data-dial-code="46" data-country-code="se" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__se"></div>
            </div><span class="iti__country-name">Sweden (Sverige)</span><span class="iti__dial-code">+46</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ch" role="option" data-dial-code="41" data-country-code="ch" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ch"></div>
            </div><span class="iti__country-name">Switzerland (Schweiz)</span><span class="iti__dial-code">+41</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-sy" role="option" data-dial-code="963" data-country-code="sy" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sy"></div>
            </div><span class="iti__country-name">Syria (‫سوريا‬‎)</span><span class="iti__dial-code">+963</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-tw" role="option" data-dial-code="886" data-country-code="tw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tw"></div>
            </div><span class="iti__country-name">Taiwan (台灣)</span><span class="iti__dial-code">+886</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-tj" role="option" data-dial-code="992" data-country-code="tj" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tj"></div>
            </div><span class="iti__country-name">Tajikistan</span><span class="iti__dial-code">+992</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-tz" role="option" data-dial-code="255" data-country-code="tz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tz"></div>
            </div><span class="iti__country-name">Tanzania</span><span class="iti__dial-code">+255</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-th" role="option" data-dial-code="66" data-country-code="th" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__th"></div>
            </div><span class="iti__country-name">Thailand (ไทย)</span><span class="iti__dial-code">+66</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-tl" role="option" data-dial-code="670" data-country-code="tl" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tl"></div>
            </div><span class="iti__country-name">Timor-Leste</span><span class="iti__dial-code">+670</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-tg" role="option" data-dial-code="228" data-country-code="tg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tg"></div>
            </div><span class="iti__country-name">Togo</span><span class="iti__dial-code">+228</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-tk" role="option" data-dial-code="690" data-country-code="tk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tk"></div>
            </div><span class="iti__country-name">Tokelau</span><span class="iti__dial-code">+690</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-to" role="option" data-dial-code="676" data-country-code="to" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__to"></div>
            </div><span class="iti__country-name">Tonga</span><span class="iti__dial-code">+676</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-tt" role="option" data-dial-code="1" data-country-code="tt" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tt"></div>
            </div><span class="iti__country-name">Trinidad and Tobago</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-tn" role="option" data-dial-code="216" data-country-code="tn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tn"></div>
            </div><span class="iti__country-name">Tunisia (‫تونس‬‎)</span><span class="iti__dial-code">+216</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-tr" role="option" data-dial-code="90" data-country-code="tr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tr"></div>
            </div><span class="iti__country-name">Turkey (Türkiye)</span><span class="iti__dial-code">+90</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-tm" role="option" data-dial-code="993" data-country-code="tm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tm"></div>
            </div><span class="iti__country-name">Turkmenistan</span><span class="iti__dial-code">+993</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-tc" role="option" data-dial-code="1" data-country-code="tc" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tc"></div>
            </div><span class="iti__country-name">Turks and Caicos Islands</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-tv" role="option" data-dial-code="688" data-country-code="tv" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tv"></div>
            </div><span class="iti__country-name">Tuvalu</span><span class="iti__dial-code">+688</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-vi" role="option" data-dial-code="1" data-country-code="vi" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__vi"></div>
            </div><span class="iti__country-name">U.S. Virgin Islands</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ug" role="option" data-dial-code="256" data-country-code="ug" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ug"></div>
            </div><span class="iti__country-name">Uganda</span><span class="iti__dial-code">+256</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ua" role="option" data-dial-code="380" data-country-code="ua" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ua"></div>
            </div><span class="iti__country-name">Ukraine (Україна)</span><span class="iti__dial-code">+380</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ae" role="option" data-dial-code="971" data-country-code="ae" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ae"></div>
            </div><span class="iti__country-name">United Arab Emirates (‫الإمارات العربية المتحدة‬‎)</span><span class="iti__dial-code">+971</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-gb" role="option" data-dial-code="44" data-country-code="gb" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gb"></div>
            </div><span class="iti__country-name">United Kingdom</span><span class="iti__dial-code">+44</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-us" role="option" data-dial-code="1" data-country-code="us" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__us"></div>
            </div><span class="iti__country-name">United States</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-uy" role="option" data-dial-code="598" data-country-code="uy" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__uy"></div>
            </div><span class="iti__country-name">Uruguay</span><span class="iti__dial-code">+598</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-uz" role="option" data-dial-code="998" data-country-code="uz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__uz"></div>
            </div><span class="iti__country-name">Uzbekistan (Oʻzbekiston)</span><span class="iti__dial-code">+998</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-vu" role="option" data-dial-code="678" data-country-code="vu" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__vu"></div>
            </div><span class="iti__country-name">Vanuatu</span><span class="iti__dial-code">+678</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-va" role="option" data-dial-code="39" data-country-code="va" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__va"></div>
            </div><span class="iti__country-name">Vatican City (Città del Vaticano)</span><span class="iti__dial-code">+39</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ve" role="option" data-dial-code="58" data-country-code="ve" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ve"></div>
            </div><span class="iti__country-name">Venezuela</span><span class="iti__dial-code">+58</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-vn" role="option" data-dial-code="84" data-country-code="vn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__vn"></div>
            </div><span class="iti__country-name">Vietnam (Việt Nam)</span><span class="iti__dial-code">+84</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-wf" role="option" data-dial-code="681" data-country-code="wf" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__wf"></div>
            </div><span class="iti__country-name">Wallis and Futuna (Wallis-et-Futuna)</span><span class="iti__dial-code">+681</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-eh" role="option" data-dial-code="212" data-country-code="eh" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__eh"></div>
            </div><span class="iti__country-name">Western Sahara (‫الصحراء الغربية‬‎)</span><span class="iti__dial-code">+212</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-ye" role="option" data-dial-code="967" data-country-code="ye" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ye"></div>
            </div><span class="iti__country-name">Yemen (‫اليمن‬‎)</span><span class="iti__dial-code">+967</span>
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            <div class="iti__flag-box">
              <div class="iti__flag iti__zm"></div>
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          <li class="iti__country iti__standard" tabindex="-1" id="iti-0__item-zw" role="option" data-dial-code="263" data-country-code="zw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__zw"></div>
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              <div class="iti__flag iti__ax"></div>
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    <input tabindex="-1" type="tel" id="phone-number" name="Phone" class="footer__form-number" placeholder="000 000 000" required="">
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  <button tabindex="-1" class="btn btn-green btn-footer light"> Let’s connect <i class="fas fa-chevron-right"></i>
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  <span class="footer__link">✓ Receive a free trial account</span>
  <input name="__RequestVerificationToken" type="hidden" value="CfDJ8E5kNGE2g5FNoC-imXX67hPElkm_zAxTY9iEvvebR9IRVtQAXqMKDzMzONjfULzjXWXal4stY6td5TgZFkIxeC3KnTkJ04ECWEVI8hgSZR37oF1XrdG3nhM45plSMxGjT2u3S0BvfmI4dA4YNqGJhxE" tabindex="-1"><input
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POST /en/solutions/creditrisksuite/resources/insights/a-comprehensive-guide-to-credit-rating-modelling/

<form action="/en/solutions/creditrisksuite/resources/insights/a-comprehensive-guide-to-credit-rating-modelling/" class="footer__form js-contact-form" data-target="request-form" enctype="multipart/form-data" id="" method="post" role="form">
  <div class="footer__form-block">
    <input tabindex="-1" id="" name="FullName" class="footer__form-name" type="text" placeholder="First &amp; Last Name" required="">
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  <div class="div div-first">
    <div class="footer__form-block">
      <input tabindex="-1" id="" name="Company" class="footer__form-company" type="text" placeholder="Company" required="">
      <label class="footer__form-label" for="company">Company</label>
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      <label class="footer__form-label" for="job">Job title</label>
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  <div class="div">
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      <input tabindex="-1" id="" name="Email" class="footer__form-mail" type="text" placeholder="Email" required="">
      <label class="footer__form-label" for="footer-email">Email</label>
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    <button tabindex="-1" type="button" class="btn btn-form-mesage">Add message?</button>
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  <div class="footer__message-wrap">
    <div class="footer__form-block">
      <textarea tabindex="-1" id="" name="Message" class="footer__form-message" placeholder="Your message"></textarea>
      <label class="footer__form-label" for="message">Your message</label>
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  </div>
  <button class="btn btn-green btn-footer light" tabindex="-1">Let’s connect <i class="fas fa-chevron-right"></i></button>
  <span class="footer__link">✓ Receive a free trial account</span>
  <input name="__RequestVerificationToken" type="hidden" value="CfDJ8E5kNGE2g5FNoC-imXX67hPElkm_zAxTY9iEvvebR9IRVtQAXqMKDzMzONjfULzjXWXal4stY6td5TgZFkIxeC3KnTkJ04ECWEVI8hgSZR37oF1XrdG3nhM45plSMxGjT2u3S0BvfmI4dA4YNqGJhxE" tabindex="-1"><input
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</form>

POST /en/solutions/creditrisksuite/resources/insights/a-comprehensive-guide-to-credit-rating-modelling/

<form action="/en/solutions/creditrisksuite/resources/insights/a-comprehensive-guide-to-credit-rating-modelling/" class="footer__form js-contact-form" data-target="request-form" enctype="multipart/form-data" id="" method="post" role="form">
  <div class="footer__form-block">
    <input tabindex="-1" id="" name="FullName" class="footer__form-name" type="text" placeholder="First &amp; Last Name" required="">
    <label class="footer__form-label" for="name-call">First &amp; Last Name</label>
  </div>
  <div class="div div-first">
    <div class="footer__form-block">
      <input tabindex="-1" id="" name="Company" class="footer__form-company" type="text" placeholder="Company" required="">
      <label class="footer__form-label" for="company-call">Company</label>
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    <div class="footer__form-block footer__form-block-job">
      <input tabindex="-1" id="" name="JobTitle" class="footer__form-job" type="text" placeholder="Job title" required="">
      <label class="footer__form-label" for="job-call">Job title</label>
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  </div>
  <div class="div phone-number-div">
    <div class="iti__arrow">
      <i class="fas fa-sort-up"></i>
      <i class="fas fa-sort-down"></i>
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    <div class="iti iti--allow-dropdown">
      <div class="iti__flag-container">
        <div class="iti__selected-flag" role="combobox" aria-controls="iti-0__country-listbox" aria-owns="iti-0__country-listbox" aria-expanded="false" tabindex="0" title="United States: +1" aria-activedescendant="iti-0__item-us-preferred">
          <div class="iti__flag iti__us">+31</div>
          <div class="iti__arrow"></div>
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        <ul class="iti__country-list iti__hide" id="" role="listbox" aria-label="List of countries">
          <li class="iti__country iti__preferred iti__active" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="us" aria-selected="true">
            <div class="iti__flag-box">
              <div class="iti__flag iti__us"></div>
            </div><span class="iti__country-name">United States</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__preferred" tabindex="-1" id="" role="option" data-dial-code="44" data-country-code="gb" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gb"></div>
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          <li class="iti__divider" role="separator" aria-disabled="true"></li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="93" data-country-code="af" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__af"></div>
            </div><span class="iti__country-name">Afghanistan (‫افغانستان‬‎)</span><span class="iti__dial-code">+93</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="355" data-country-code="al" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__al"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="213" data-country-code="dz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__dz"></div>
            </div><span class="iti__country-name">Algeria (‫الجزائر‬‎)</span><span class="iti__dial-code">+213</span>
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          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="as" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__as"></div>
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          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="376" data-country-code="ad" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ad"></div>
            </div><span class="iti__country-name">Andorra</span><span class="iti__dial-code">+376</span>
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          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="244" data-country-code="ao" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ao"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="ai" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ai"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="ag" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ag"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="54" data-country-code="ar" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ar"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="374" data-country-code="am" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__am"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="297" data-country-code="aw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__aw"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="247" data-country-code="ac" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ac"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="61" data-country-code="au" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__au"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="43" data-country-code="at" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__at"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="994" data-country-code="az" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__az"></div>
            </div><span class="iti__country-name">Azerbaijan (Azərbaycan)</span><span class="iti__dial-code">+994</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="bs" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bs"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="973" data-country-code="bh" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bh"></div>
            </div><span class="iti__country-name">Bahrain (‫البحرين‬‎)</span><span class="iti__dial-code">+973</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="880" data-country-code="bd" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bd"></div>
            </div><span class="iti__country-name">Bangladesh (বাংলাদেশ)</span><span class="iti__dial-code">+880</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="bb" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bb"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="375" data-country-code="by" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__by"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="32" data-country-code="be" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__be"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="501" data-country-code="bz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bz"></div>
            </div><span class="iti__country-name">Belize</span><span class="iti__dial-code">+501</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="229" data-country-code="bj" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bj"></div>
            </div><span class="iti__country-name">Benin (Bénin)</span><span class="iti__dial-code">+229</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="bm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bm"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="975" data-country-code="bt" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bt"></div>
            </div><span class="iti__country-name">Bhutan (འབྲུག)</span><span class="iti__dial-code">+975</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="591" data-country-code="bo" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bo"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="387" data-country-code="ba" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ba"></div>
            </div><span class="iti__country-name">Bosnia and Herzegovina (Босна и Херцеговина)</span><span class="iti__dial-code">+387</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="267" data-country-code="bw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bw"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="55" data-country-code="br" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__br"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="246" data-country-code="io" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__io"></div>
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            <div class="iti__flag-box">
              <div class="iti__flag iti__vg"></div>
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          </li>
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            <div class="iti__flag-box">
              <div class="iti__flag iti__bn"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="359" data-country-code="bg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bg"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="226" data-country-code="bf" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bf"></div>
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            <div class="iti__flag-box">
              <div class="iti__flag iti__bi"></div>
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            <div class="iti__flag-box">
              <div class="iti__flag iti__kh"></div>
            </div><span class="iti__country-name">Cambodia (កម្ពុជា)</span><span class="iti__dial-code">+855</span>
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          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="237" data-country-code="cm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cm"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="ca" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ca"></div>
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          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="238" data-country-code="cv" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cv"></div>
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          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="599" data-country-code="bq" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bq"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="ky" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ky"></div>
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          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="236" data-country-code="cf" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cf"></div>
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          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="235" data-country-code="td" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__td"></div>
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          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="56" data-country-code="cl" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cl"></div>
            </div><span class="iti__country-name">Chile</span><span class="iti__dial-code">+56</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="86" data-country-code="cn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cn"></div>
            </div><span class="iti__country-name">China (中国)</span><span class="iti__dial-code">+86</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="61" data-country-code="cx" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cx"></div>
            </div><span class="iti__country-name">Christmas Island</span><span class="iti__dial-code">+61</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="61" data-country-code="cc" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cc"></div>
            </div><span class="iti__country-name">Cocos (Keeling) Islands</span><span class="iti__dial-code">+61</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="57" data-country-code="co" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__co"></div>
            </div><span class="iti__country-name">Colombia</span><span class="iti__dial-code">+57</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="269" data-country-code="km" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__km"></div>
            </div><span class="iti__country-name">Comoros (‫جزر القمر‬‎)</span><span class="iti__dial-code">+269</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="243" data-country-code="cd" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cd"></div>
            </div><span class="iti__country-name">Congo (DRC) (Jamhuri ya Kidemokrasia ya Kongo)</span><span class="iti__dial-code">+243</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="242" data-country-code="cg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cg"></div>
            </div><span class="iti__country-name">Congo (Republic) (Congo-Brazzaville)</span><span class="iti__dial-code">+242</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="682" data-country-code="ck" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ck"></div>
            </div><span class="iti__country-name">Cook Islands</span><span class="iti__dial-code">+682</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="506" data-country-code="cr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cr"></div>
            </div><span class="iti__country-name">Costa Rica</span><span class="iti__dial-code">+506</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="225" data-country-code="ci" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ci"></div>
            </div><span class="iti__country-name">Côte d’Ivoire</span><span class="iti__dial-code">+225</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="385" data-country-code="hr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__hr"></div>
            </div><span class="iti__country-name">Croatia (Hrvatska)</span><span class="iti__dial-code">+385</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="53" data-country-code="cu" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cu"></div>
            </div><span class="iti__country-name">Cuba</span><span class="iti__dial-code">+53</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="599" data-country-code="cw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cw"></div>
            </div><span class="iti__country-name">Curaçao</span><span class="iti__dial-code">+599</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="357" data-country-code="cy" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cy"></div>
            </div><span class="iti__country-name">Cyprus (Κύπρος)</span><span class="iti__dial-code">+357</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="420" data-country-code="cz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__cz"></div>
            </div><span class="iti__country-name">Czech Republic (Česká republika)</span><span class="iti__dial-code">+420</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="45" data-country-code="dk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__dk"></div>
            </div><span class="iti__country-name">Denmark (Danmark)</span><span class="iti__dial-code">+45</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="253" data-country-code="dj" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__dj"></div>
            </div><span class="iti__country-name">Djibouti</span><span class="iti__dial-code">+253</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="dm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__dm"></div>
            </div><span class="iti__country-name">Dominica</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="do" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__do"></div>
            </div><span class="iti__country-name">Dominican Republic (República Dominicana)</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="593" data-country-code="ec" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ec"></div>
            </div><span class="iti__country-name">Ecuador</span><span class="iti__dial-code">+593</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="20" data-country-code="eg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__eg"></div>
            </div><span class="iti__country-name">Egypt (‫مصر‬‎)</span><span class="iti__dial-code">+20</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="503" data-country-code="sv" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sv"></div>
            </div><span class="iti__country-name">El Salvador</span><span class="iti__dial-code">+503</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="240" data-country-code="gq" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gq"></div>
            </div><span class="iti__country-name">Equatorial Guinea (Guinea Ecuatorial)</span><span class="iti__dial-code">+240</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="291" data-country-code="er" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__er"></div>
            </div><span class="iti__country-name">Eritrea</span><span class="iti__dial-code">+291</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="372" data-country-code="ee" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ee"></div>
            </div><span class="iti__country-name">Estonia (Eesti)</span><span class="iti__dial-code">+372</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="268" data-country-code="sz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sz"></div>
            </div><span class="iti__country-name">Eswatini</span><span class="iti__dial-code">+268</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="251" data-country-code="et" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__et"></div>
            </div><span class="iti__country-name">Ethiopia</span><span class="iti__dial-code">+251</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="500" data-country-code="fk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__fk"></div>
            </div><span class="iti__country-name">Falkland Islands (Islas Malvinas)</span><span class="iti__dial-code">+500</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="298" data-country-code="fo" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__fo"></div>
            </div><span class="iti__country-name">Faroe Islands (Føroyar)</span><span class="iti__dial-code">+298</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="679" data-country-code="fj" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__fj"></div>
            </div><span class="iti__country-name">Fiji</span><span class="iti__dial-code">+679</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="358" data-country-code="fi" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__fi"></div>
            </div><span class="iti__country-name">Finland (Suomi)</span><span class="iti__dial-code">+358</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="33" data-country-code="fr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__fr"></div>
            </div><span class="iti__country-name">France</span><span class="iti__dial-code">+33</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="594" data-country-code="gf" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gf"></div>
            </div><span class="iti__country-name">French Guiana (Guyane française)</span><span class="iti__dial-code">+594</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="689" data-country-code="pf" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pf"></div>
            </div><span class="iti__country-name">French Polynesia (Polynésie française)</span><span class="iti__dial-code">+689</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="241" data-country-code="ga" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ga"></div>
            </div><span class="iti__country-name">Gabon</span><span class="iti__dial-code">+241</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="220" data-country-code="gm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gm"></div>
            </div><span class="iti__country-name">Gambia</span><span class="iti__dial-code">+220</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="995" data-country-code="ge" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ge"></div>
            </div><span class="iti__country-name">Georgia (საქართველო)</span><span class="iti__dial-code">+995</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="49" data-country-code="de" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__de"></div>
            </div><span class="iti__country-name">Germany (Deutschland)</span><span class="iti__dial-code">+49</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="233" data-country-code="gh" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gh"></div>
            </div><span class="iti__country-name">Ghana (Gaana)</span><span class="iti__dial-code">+233</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="350" data-country-code="gi" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gi"></div>
            </div><span class="iti__country-name">Gibraltar</span><span class="iti__dial-code">+350</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="30" data-country-code="gr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gr"></div>
            </div><span class="iti__country-name">Greece (Ελλάδα)</span><span class="iti__dial-code">+30</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="299" data-country-code="gl" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gl"></div>
            </div><span class="iti__country-name">Greenland (Kalaallit Nunaat)</span><span class="iti__dial-code">+299</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="gd" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gd"></div>
            </div><span class="iti__country-name">Grenada</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="590" data-country-code="gp" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gp"></div>
            </div><span class="iti__country-name">Guadeloupe</span><span class="iti__dial-code">+590</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="gu" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gu"></div>
            </div><span class="iti__country-name">Guam</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="502" data-country-code="gt" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gt"></div>
            </div><span class="iti__country-name">Guatemala</span><span class="iti__dial-code">+502</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="44" data-country-code="gg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gg"></div>
            </div><span class="iti__country-name">Guernsey</span><span class="iti__dial-code">+44</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="224" data-country-code="gn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gn"></div>
            </div><span class="iti__country-name">Guinea (Guinée)</span><span class="iti__dial-code">+224</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="245" data-country-code="gw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gw"></div>
            </div><span class="iti__country-name">Guinea-Bissau (Guiné Bissau)</span><span class="iti__dial-code">+245</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="592" data-country-code="gy" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gy"></div>
            </div><span class="iti__country-name">Guyana</span><span class="iti__dial-code">+592</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="509" data-country-code="ht" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ht"></div>
            </div><span class="iti__country-name">Haiti</span><span class="iti__dial-code">+509</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="504" data-country-code="hn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__hn"></div>
            </div><span class="iti__country-name">Honduras</span><span class="iti__dial-code">+504</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="852" data-country-code="hk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__hk"></div>
            </div><span class="iti__country-name">Hong Kong (香港)</span><span class="iti__dial-code">+852</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="36" data-country-code="hu" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__hu"></div>
            </div><span class="iti__country-name">Hungary (Magyarország)</span><span class="iti__dial-code">+36</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="354" data-country-code="is" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__is"></div>
            </div><span class="iti__country-name">Iceland (Ísland)</span><span class="iti__dial-code">+354</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="91" data-country-code="in" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__in"></div>
            </div><span class="iti__country-name">India (भारत)</span><span class="iti__dial-code">+91</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="62" data-country-code="id" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__id"></div>
            </div><span class="iti__country-name">Indonesia</span><span class="iti__dial-code">+62</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="98" data-country-code="ir" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ir"></div>
            </div><span class="iti__country-name">Iran (‫ایران‬‎)</span><span class="iti__dial-code">+98</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="964" data-country-code="iq" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__iq"></div>
            </div><span class="iti__country-name">Iraq (‫العراق‬‎)</span><span class="iti__dial-code">+964</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="353" data-country-code="ie" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ie"></div>
            </div><span class="iti__country-name">Ireland</span><span class="iti__dial-code">+353</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="44" data-country-code="im" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__im"></div>
            </div><span class="iti__country-name">Isle of Man</span><span class="iti__dial-code">+44</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="972" data-country-code="il" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__il"></div>
            </div><span class="iti__country-name">Israel (‫ישראל‬‎)</span><span class="iti__dial-code">+972</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="39" data-country-code="it" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__it"></div>
            </div><span class="iti__country-name">Italy (Italia)</span><span class="iti__dial-code">+39</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="jm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__jm"></div>
            </div><span class="iti__country-name">Jamaica</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="81" data-country-code="jp" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__jp"></div>
            </div><span class="iti__country-name">Japan (日本)</span><span class="iti__dial-code">+81</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="44" data-country-code="je" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__je"></div>
            </div><span class="iti__country-name">Jersey</span><span class="iti__dial-code">+44</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="962" data-country-code="jo" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__jo"></div>
            </div><span class="iti__country-name">Jordan (‫الأردن‬‎)</span><span class="iti__dial-code">+962</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="7" data-country-code="kz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__kz"></div>
            </div><span class="iti__country-name">Kazakhstan (Казахстан)</span><span class="iti__dial-code">+7</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="254" data-country-code="ke" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ke"></div>
            </div><span class="iti__country-name">Kenya</span><span class="iti__dial-code">+254</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="686" data-country-code="ki" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ki"></div>
            </div><span class="iti__country-name">Kiribati</span><span class="iti__dial-code">+686</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="383" data-country-code="xk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__xk"></div>
            </div><span class="iti__country-name">Kosovo</span><span class="iti__dial-code">+383</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="965" data-country-code="kw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__kw"></div>
            </div><span class="iti__country-name">Kuwait (‫الكويت‬‎)</span><span class="iti__dial-code">+965</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="996" data-country-code="kg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__kg"></div>
            </div><span class="iti__country-name">Kyrgyzstan (Кыргызстан)</span><span class="iti__dial-code">+996</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="856" data-country-code="la" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__la"></div>
            </div><span class="iti__country-name">Laos (ລາວ)</span><span class="iti__dial-code">+856</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="371" data-country-code="lv" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__lv"></div>
            </div><span class="iti__country-name">Latvia (Latvija)</span><span class="iti__dial-code">+371</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="961" data-country-code="lb" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__lb"></div>
            </div><span class="iti__country-name">Lebanon (‫لبنان‬‎)</span><span class="iti__dial-code">+961</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="266" data-country-code="ls" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ls"></div>
            </div><span class="iti__country-name">Lesotho</span><span class="iti__dial-code">+266</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="231" data-country-code="lr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__lr"></div>
            </div><span class="iti__country-name">Liberia</span><span class="iti__dial-code">+231</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="218" data-country-code="ly" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ly"></div>
            </div><span class="iti__country-name">Libya (‫ليبيا‬‎)</span><span class="iti__dial-code">+218</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="423" data-country-code="li" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__li"></div>
            </div><span class="iti__country-name">Liechtenstein</span><span class="iti__dial-code">+423</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="370" data-country-code="lt" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__lt"></div>
            </div><span class="iti__country-name">Lithuania (Lietuva)</span><span class="iti__dial-code">+370</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="352" data-country-code="lu" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__lu"></div>
            </div><span class="iti__country-name">Luxembourg</span><span class="iti__dial-code">+352</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="853" data-country-code="mo" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mo"></div>
            </div><span class="iti__country-name">Macau (澳門)</span><span class="iti__dial-code">+853</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="389" data-country-code="mk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mk"></div>
            </div><span class="iti__country-name">North Macedonia (Македонија)</span><span class="iti__dial-code">+389</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="261" data-country-code="mg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mg"></div>
            </div><span class="iti__country-name">Madagascar (Madagasikara)</span><span class="iti__dial-code">+261</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="265" data-country-code="mw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mw"></div>
            </div><span class="iti__country-name">Malawi</span><span class="iti__dial-code">+265</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="60" data-country-code="my" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__my"></div>
            </div><span class="iti__country-name">Malaysia</span><span class="iti__dial-code">+60</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="960" data-country-code="mv" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mv"></div>
            </div><span class="iti__country-name">Maldives</span><span class="iti__dial-code">+960</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="223" data-country-code="ml" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ml"></div>
            </div><span class="iti__country-name">Mali</span><span class="iti__dial-code">+223</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="356" data-country-code="mt" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mt"></div>
            </div><span class="iti__country-name">Malta</span><span class="iti__dial-code">+356</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="692" data-country-code="mh" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mh"></div>
            </div><span class="iti__country-name">Marshall Islands</span><span class="iti__dial-code">+692</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="596" data-country-code="mq" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mq"></div>
            </div><span class="iti__country-name">Martinique</span><span class="iti__dial-code">+596</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="222" data-country-code="mr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mr"></div>
            </div><span class="iti__country-name">Mauritania (‫موريتانيا‬‎)</span><span class="iti__dial-code">+222</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="230" data-country-code="mu" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mu"></div>
            </div><span class="iti__country-name">Mauritius (Moris)</span><span class="iti__dial-code">+230</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="262" data-country-code="yt" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__yt"></div>
            </div><span class="iti__country-name">Mayotte</span><span class="iti__dial-code">+262</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="52" data-country-code="mx" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mx"></div>
            </div><span class="iti__country-name">Mexico (México)</span><span class="iti__dial-code">+52</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="691" data-country-code="fm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__fm"></div>
            </div><span class="iti__country-name">Micronesia</span><span class="iti__dial-code">+691</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="373" data-country-code="md" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__md"></div>
            </div><span class="iti__country-name">Moldova (Republica Moldova)</span><span class="iti__dial-code">+373</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="377" data-country-code="mc" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mc"></div>
            </div><span class="iti__country-name">Monaco</span><span class="iti__dial-code">+377</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="976" data-country-code="mn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mn"></div>
            </div><span class="iti__country-name">Mongolia (Монгол)</span><span class="iti__dial-code">+976</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="382" data-country-code="me" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__me"></div>
            </div><span class="iti__country-name">Montenegro (Crna Gora)</span><span class="iti__dial-code">+382</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="ms" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ms"></div>
            </div><span class="iti__country-name">Montserrat</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="212" data-country-code="ma" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ma"></div>
            </div><span class="iti__country-name">Morocco (‫المغرب‬‎)</span><span class="iti__dial-code">+212</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="258" data-country-code="mz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mz"></div>
            </div><span class="iti__country-name">Mozambique (Moçambique)</span><span class="iti__dial-code">+258</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="95" data-country-code="mm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mm"></div>
            </div><span class="iti__country-name">Myanmar (Burma) (မြန်မာ)</span><span class="iti__dial-code">+95</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="264" data-country-code="na" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__na"></div>
            </div><span class="iti__country-name">Namibia (Namibië)</span><span class="iti__dial-code">+264</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="674" data-country-code="nr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__nr"></div>
            </div><span class="iti__country-name">Nauru</span><span class="iti__dial-code">+674</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="977" data-country-code="np" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__np"></div>
            </div><span class="iti__country-name">Nepal (नेपाल)</span><span class="iti__dial-code">+977</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="31" data-country-code="nl" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__nl"></div>
            </div><span class="iti__country-name">Netherlands (Nederland)</span><span class="iti__dial-code">+31</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="687" data-country-code="nc" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__nc"></div>
            </div><span class="iti__country-name">New Caledonia (Nouvelle-Calédonie)</span><span class="iti__dial-code">+687</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="64" data-country-code="nz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__nz"></div>
            </div><span class="iti__country-name">New Zealand</span><span class="iti__dial-code">+64</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="505" data-country-code="ni" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ni"></div>
            </div><span class="iti__country-name">Nicaragua</span><span class="iti__dial-code">+505</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="227" data-country-code="ne" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ne"></div>
            </div><span class="iti__country-name">Niger (Nijar)</span><span class="iti__dial-code">+227</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="234" data-country-code="ng" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ng"></div>
            </div><span class="iti__country-name">Nigeria</span><span class="iti__dial-code">+234</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="683" data-country-code="nu" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__nu"></div>
            </div><span class="iti__country-name">Niue</span><span class="iti__dial-code">+683</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="672" data-country-code="nf" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__nf"></div>
            </div><span class="iti__country-name">Norfolk Island</span><span class="iti__dial-code">+672</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="850" data-country-code="kp" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__kp"></div>
            </div><span class="iti__country-name">North Korea (조선 민주주의 인민 공화국)</span><span class="iti__dial-code">+850</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="mp" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mp"></div>
            </div><span class="iti__country-name">Northern Mariana Islands</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="47" data-country-code="no" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__no"></div>
            </div><span class="iti__country-name">Norway (Norge)</span><span class="iti__dial-code">+47</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="968" data-country-code="om" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__om"></div>
            </div><span class="iti__country-name">Oman (‫عُمان‬‎)</span><span class="iti__dial-code">+968</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="92" data-country-code="pk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pk"></div>
            </div><span class="iti__country-name">Pakistan (‫پاکستان‬‎)</span><span class="iti__dial-code">+92</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="680" data-country-code="pw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pw"></div>
            </div><span class="iti__country-name">Palau</span><span class="iti__dial-code">+680</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="970" data-country-code="ps" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ps"></div>
            </div><span class="iti__country-name">Palestine (‫فلسطين‬‎)</span><span class="iti__dial-code">+970</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="507" data-country-code="pa" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pa"></div>
            </div><span class="iti__country-name">Panama (Panamá)</span><span class="iti__dial-code">+507</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="675" data-country-code="pg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pg"></div>
            </div><span class="iti__country-name">Papua New Guinea</span><span class="iti__dial-code">+675</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="595" data-country-code="py" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__py"></div>
            </div><span class="iti__country-name">Paraguay</span><span class="iti__dial-code">+595</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="51" data-country-code="pe" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pe"></div>
            </div><span class="iti__country-name">Peru (Perú)</span><span class="iti__dial-code">+51</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="63" data-country-code="ph" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ph"></div>
            </div><span class="iti__country-name">Philippines</span><span class="iti__dial-code">+63</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="48" data-country-code="pl" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pl"></div>
            </div><span class="iti__country-name">Poland (Polska)</span><span class="iti__dial-code">+48</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="351" data-country-code="pt" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pt"></div>
            </div><span class="iti__country-name">Portugal</span><span class="iti__dial-code">+351</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="pr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pr"></div>
            </div><span class="iti__country-name">Puerto Rico</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="974" data-country-code="qa" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__qa"></div>
            </div><span class="iti__country-name">Qatar (‫قطر‬‎)</span><span class="iti__dial-code">+974</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="262" data-country-code="re" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__re"></div>
            </div><span class="iti__country-name">Réunion (La Réunion)</span><span class="iti__dial-code">+262</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="40" data-country-code="ro" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ro"></div>
            </div><span class="iti__country-name">Romania (România)</span><span class="iti__dial-code">+40</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="7" data-country-code="ru" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ru"></div>
            </div><span class="iti__country-name">Russia (Россия)</span><span class="iti__dial-code">+7</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="250" data-country-code="rw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__rw"></div>
            </div><span class="iti__country-name">Rwanda</span><span class="iti__dial-code">+250</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="590" data-country-code="bl" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__bl"></div>
            </div><span class="iti__country-name">Saint Barthélemy</span><span class="iti__dial-code">+590</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="290" data-country-code="sh" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sh"></div>
            </div><span class="iti__country-name">Saint Helena</span><span class="iti__dial-code">+290</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="kn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__kn"></div>
            </div><span class="iti__country-name">Saint Kitts and Nevis</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="lc" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__lc"></div>
            </div><span class="iti__country-name">Saint Lucia</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="590" data-country-code="mf" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__mf"></div>
            </div><span class="iti__country-name">Saint Martin (Saint-Martin (partie française))</span><span class="iti__dial-code">+590</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="508" data-country-code="pm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__pm"></div>
            </div><span class="iti__country-name">Saint Pierre and Miquelon (Saint-Pierre-et-Miquelon)</span><span class="iti__dial-code">+508</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="vc" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__vc"></div>
            </div><span class="iti__country-name">Saint Vincent and the Grenadines</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="685" data-country-code="ws" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ws"></div>
            </div><span class="iti__country-name">Samoa</span><span class="iti__dial-code">+685</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="378" data-country-code="sm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sm"></div>
            </div><span class="iti__country-name">San Marino</span><span class="iti__dial-code">+378</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="239" data-country-code="st" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__st"></div>
            </div><span class="iti__country-name">São Tomé and Príncipe (São Tomé e Príncipe)</span><span class="iti__dial-code">+239</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="966" data-country-code="sa" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sa"></div>
            </div><span class="iti__country-name">Saudi Arabia (‫المملكة العربية السعودية‬‎)</span><span class="iti__dial-code">+966</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="221" data-country-code="sn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sn"></div>
            </div><span class="iti__country-name">Senegal (Sénégal)</span><span class="iti__dial-code">+221</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="381" data-country-code="rs" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__rs"></div>
            </div><span class="iti__country-name">Serbia (Србија)</span><span class="iti__dial-code">+381</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="248" data-country-code="sc" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sc"></div>
            </div><span class="iti__country-name">Seychelles</span><span class="iti__dial-code">+248</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="232" data-country-code="sl" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sl"></div>
            </div><span class="iti__country-name">Sierra Leone</span><span class="iti__dial-code">+232</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="65" data-country-code="sg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sg"></div>
            </div><span class="iti__country-name">Singapore</span><span class="iti__dial-code">+65</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="sx" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sx"></div>
            </div><span class="iti__country-name">Sint Maarten</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="421" data-country-code="sk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sk"></div>
            </div><span class="iti__country-name">Slovakia (Slovensko)</span><span class="iti__dial-code">+421</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="386" data-country-code="si" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__si"></div>
            </div><span class="iti__country-name">Slovenia (Slovenija)</span><span class="iti__dial-code">+386</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="677" data-country-code="sb" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sb"></div>
            </div><span class="iti__country-name">Solomon Islands</span><span class="iti__dial-code">+677</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="252" data-country-code="so" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__so"></div>
            </div><span class="iti__country-name">Somalia (Soomaaliya)</span><span class="iti__dial-code">+252</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="27" data-country-code="za" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__za"></div>
            </div><span class="iti__country-name">South Africa</span><span class="iti__dial-code">+27</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="82" data-country-code="kr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__kr"></div>
            </div><span class="iti__country-name">South Korea (대한민국)</span><span class="iti__dial-code">+82</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="211" data-country-code="ss" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ss"></div>
            </div><span class="iti__country-name">South Sudan (‫جنوب السودان‬‎)</span><span class="iti__dial-code">+211</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="34" data-country-code="es" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__es"></div>
            </div><span class="iti__country-name">Spain (España)</span><span class="iti__dial-code">+34</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="94" data-country-code="lk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__lk"></div>
            </div><span class="iti__country-name">Sri Lanka (ශ්‍රී ලංකාව)</span><span class="iti__dial-code">+94</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="249" data-country-code="sd" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sd"></div>
            </div><span class="iti__country-name">Sudan (‫السودان‬‎)</span><span class="iti__dial-code">+249</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="597" data-country-code="sr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sr"></div>
            </div><span class="iti__country-name">Suriname</span><span class="iti__dial-code">+597</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="47" data-country-code="sj" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sj"></div>
            </div><span class="iti__country-name">Svalbard and Jan Mayen</span><span class="iti__dial-code">+47</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="46" data-country-code="se" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__se"></div>
            </div><span class="iti__country-name">Sweden (Sverige)</span><span class="iti__dial-code">+46</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="41" data-country-code="ch" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ch"></div>
            </div><span class="iti__country-name">Switzerland (Schweiz)</span><span class="iti__dial-code">+41</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="963" data-country-code="sy" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__sy"></div>
            </div><span class="iti__country-name">Syria (‫سوريا‬‎)</span><span class="iti__dial-code">+963</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="886" data-country-code="tw" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tw"></div>
            </div><span class="iti__country-name">Taiwan (台灣)</span><span class="iti__dial-code">+886</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="992" data-country-code="tj" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tj"></div>
            </div><span class="iti__country-name">Tajikistan</span><span class="iti__dial-code">+992</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="255" data-country-code="tz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tz"></div>
            </div><span class="iti__country-name">Tanzania</span><span class="iti__dial-code">+255</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="66" data-country-code="th" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__th"></div>
            </div><span class="iti__country-name">Thailand (ไทย)</span><span class="iti__dial-code">+66</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="670" data-country-code="tl" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tl"></div>
            </div><span class="iti__country-name">Timor-Leste</span><span class="iti__dial-code">+670</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="228" data-country-code="tg" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tg"></div>
            </div><span class="iti__country-name">Togo</span><span class="iti__dial-code">+228</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="690" data-country-code="tk" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tk"></div>
            </div><span class="iti__country-name">Tokelau</span><span class="iti__dial-code">+690</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="676" data-country-code="to" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__to"></div>
            </div><span class="iti__country-name">Tonga</span><span class="iti__dial-code">+676</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="tt" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tt"></div>
            </div><span class="iti__country-name">Trinidad and Tobago</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="216" data-country-code="tn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tn"></div>
            </div><span class="iti__country-name">Tunisia (‫تونس‬‎)</span><span class="iti__dial-code">+216</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="90" data-country-code="tr" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tr"></div>
            </div><span class="iti__country-name">Turkey (Türkiye)</span><span class="iti__dial-code">+90</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="993" data-country-code="tm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tm"></div>
            </div><span class="iti__country-name">Turkmenistan</span><span class="iti__dial-code">+993</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="tc" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tc"></div>
            </div><span class="iti__country-name">Turks and Caicos Islands</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="688" data-country-code="tv" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__tv"></div>
            </div><span class="iti__country-name">Tuvalu</span><span class="iti__dial-code">+688</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="vi" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__vi"></div>
            </div><span class="iti__country-name">U.S. Virgin Islands</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="256" data-country-code="ug" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ug"></div>
            </div><span class="iti__country-name">Uganda</span><span class="iti__dial-code">+256</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="380" data-country-code="ua" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ua"></div>
            </div><span class="iti__country-name">Ukraine (Україна)</span><span class="iti__dial-code">+380</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="971" data-country-code="ae" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ae"></div>
            </div><span class="iti__country-name">United Arab Emirates (‫الإمارات العربية المتحدة‬‎)</span><span class="iti__dial-code">+971</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="44" data-country-code="gb" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__gb"></div>
            </div><span class="iti__country-name">United Kingdom</span><span class="iti__dial-code">+44</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="1" data-country-code="us" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__us"></div>
            </div><span class="iti__country-name">United States</span><span class="iti__dial-code">+1</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="598" data-country-code="uy" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__uy"></div>
            </div><span class="iti__country-name">Uruguay</span><span class="iti__dial-code">+598</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="998" data-country-code="uz" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__uz"></div>
            </div><span class="iti__country-name">Uzbekistan (Oʻzbekiston)</span><span class="iti__dial-code">+998</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="678" data-country-code="vu" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__vu"></div>
            </div><span class="iti__country-name">Vanuatu</span><span class="iti__dial-code">+678</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="39" data-country-code="va" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__va"></div>
            </div><span class="iti__country-name">Vatican City (Città del Vaticano)</span><span class="iti__dial-code">+39</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="58" data-country-code="ve" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ve"></div>
            </div><span class="iti__country-name">Venezuela</span><span class="iti__dial-code">+58</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="84" data-country-code="vn" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__vn"></div>
            </div><span class="iti__country-name">Vietnam (Việt Nam)</span><span class="iti__dial-code">+84</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="681" data-country-code="wf" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__wf"></div>
            </div><span class="iti__country-name">Wallis and Futuna (Wallis-et-Futuna)</span><span class="iti__dial-code">+681</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="212" data-country-code="eh" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__eh"></div>
            </div><span class="iti__country-name">Western Sahara (‫الصحراء الغربية‬‎)</span><span class="iti__dial-code">+212</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="967" data-country-code="ye" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__ye"></div>
            </div><span class="iti__country-name">Yemen (‫اليمن‬‎)</span><span class="iti__dial-code">+967</span>
          </li>
          <li class="iti__country iti__standard" tabindex="-1" id="" role="option" data-dial-code="260" data-country-code="zm" aria-selected="false">
            <div class="iti__flag-box">
              <div class="iti__flag iti__zm"></div>
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White paper | June 02, 2022


A COMPREHENSIVE GUIDE TO CREDIT RATING MODELLING

Rating Model
Credit Rating

Credit rating agencies and the credit ratings they publish have been the subject
of a lot of debate over the years. While they provide valuable insight in the
creditworthiness of companies, they have been criticized for assigning high
ratings to package sub-prime mortgages, for not being representative when a
sudden crisis hits and the effect they have on creating ‘self fulfilling
prophecies’ in times of economic downturn.

 

For all the criticism that rating models and credit rating agencies have had
through the years, they are still the most pragmatic and realistic approach for
assessing default risk for your counterparties. Of course, the quality of the
assessment depends to a large extent on the quality of the model used to
determine the credit rating, capturing both the quantitative and qualitative
factors determining counterparty credit risk. A sound credit rating model
strikes a balance between these two aspects. Relying too much on quantitative
outcomes ignores valuable ‘unstructured’ information, whereas an expert
judgement based approach ignores the value of empirical data, and their
explanatory power.

In this white paper we will outline some best practice approaches to assessing
default risk of a company through a credit rating. We will explore the ratios
that are crucial factors in the model and provide guidance for the expert
judgement aspects of the model.

Zanders has applied these best practices while designing several Credit Rating
models for many years. These models are already being used at over 400 companies
and have been tested both in practice and against empirical data. Do you want to
know more about our Credit Rating models, click here.


CREDIT RATINGS AND THEIR APPLICATIONS

Credit ratings are widely used throughout the financial industry, for a variety
of applications. This includes the corporate finance, risk and treasury domains
and beyond. While it is hardly ever a sole factor driving management decisions,
the availability of a point estimation to describe something as complex as
counterparty credit risk has proven a very useful piece of information for
making informed decisions, without the need for a full due diligence into the
books of the counterparty.

Some of the specific use cases are:

 * Internal assessment of the creditworthiness of counterparties
 * Transparency of the creditworthiness of counterparties
 * Monitoring trends in the quality of credit portfolios
 * Monitoring concentration risk
 * Performance measurement
 * Determination of risk-adjusted credit approval levels and frequency of credit
   reviews
 * Formulation of credit policies, risk appetite, collateral policies, etc.
 * Loan pricing based on Risk Adjusted Return on Capital (RAROC) and Economic
   Profit (EP)
 * Arm’s length pricing of intercompany transactions, in line with OECD
   guidelines
 * Regulatory Capital (RC) and Economic Capital (EC) calculations
 * Expected Credit Loss (ECL) IFRS 9 calculations
 * Active Credit Portfolio Management on both portfolio and (individual)
   counterparty level


CREDIT RATING PHILOSOPHY

A fundamental starting point when applying credit ratings, is the credit rating
philosophy that is followed. In general, two distinct approaches are recognized:

 * Through-the-Cycle (TtC) rating systems measure default risk of a counterparty
   by taking permanent factors, like a full economic cycle, into account based
   on a worst-case scenario. TtC ratings change only if there is a fundamental
   change in the counterparty’s situation and outlook. The models employed for
   the public ratings published by e.g. S&P, Fitch and Moody’s are generally
   more TtC focused. They tend to assign more weight to qualitative features and
   incorporate longer trends in the financial ratios, both of which increase
   stability over time.
 * Point-in-Time (PiT) rating systems measure default risk of a counterparty
   taking current, temporary factors into account. PiT ratings tend to adjust
   quickly to changes in the (financial) conditions of a counterparty and/or its
   economic environment. PiT models are more suited for shorter term risk
   assessments, like Expected Credit Losses. They are more focused on financial
   ratios, thereby capturing the more dynamic variables. Furthermore, they
   incorporate a shorter trend which adjusts faster over time. Most models
   incorporate a blend between the two approaches, acknowledging that both short
   term and long term effects may impact creditworthiness.


RATING METHODOLOGY

Modelling credit ratings is very complex, due to the wide variety of events and
exposures that companies are exposed to. Operational risk, liquidity risk, poor
management, a perishing business model, an external negative event, failing
governments and technological innovation can all have very significant influence
on the creditworthiness of companies in the short and long run. Most credit
rating models therefore distinguish a range of different factors that are
modelled separately and then combined into a single credit rating. The exact
factors will differ per rating model. The overview below presents the factors
included the Corporate Rating Model, which is used in some of the cloud-based
solutions of the Zanders applications.

The remainder of this article will detail the different factors, explaining the
rationale behind including them.




QUANTITATIVE FACTORS

Quantitative risk factors are crucial to credit rating models, as they are
‘objective’ and therefore generate a large degree of comparability between
different companies. Their objective nature also makes them easier to
incorporate in a model on a large scale. While financials alone do not tell the
whole story about a company, accounting standards have developed over time to
provide a more and more comparable view of the financial state of a company,
making them a more and more thrustworthy source for determining
creditworthiness. To better enable comparisons of companies with different
sizes, financials are often represented as ratios.


FINANCIAL RATIOS

Financial ratios are being used for credit risk analyses throughout the
financial industry and present the basic characteristics of companies. A number
of these ratios represent (directly or indirectly) creditworthiness. Zanders’
Corporate Credit Rating model uses the most common of these financial ratios,
which can be categorised in five pillars:


PILLAR 1 – OPERATIONS

The Operations pillar consists of variables that consider the profitability and
ability of a company to influence its profitability. Earnings power is a main
determinant of the success or failure of a company. It measures the ability of a
company to create economic value and the ability to give risk protection to its
creditors. Recurrent profitability is a main line of defense against debtor-,
market-, operational- and business risk losses. 


TURNOVER GROWTH

Turnover growth is defined as the annual percentage change in Turnover,
expressed as a percentage. It indicates the growth rate of a company. Both very
low and very high values tend to indicate low credit quality. For low turnover
growth this is clear. High turnover growth can be an indication for a risky
business strategy or a start-up company with a business model that has not been
tested over time.


GROSS MARGIN

Gross margin is defined as Gross profit divided by Turnover, expressed as a
percentage. The gross margin indicates the profitability of a company. It
measures how much a company earns, taking into consideration the costs that it
incurs for producing its products and/or services. A higher Gross margin implies
a lower default probability.


OPERATING MARGIN

Operating margin is defined as Earnings before Interest and Taxes (EBIT) divided
by Turnover, expressed as a percentage. This ratio indicates the profitability
of the company. Operating margin is a measurement of what proportion of a
company's revenue is left over after paying for variable costs of production
such as wages, raw materials, etc. A healthy Operating margin is required for a
company to be able to pay for its fixed costs, such as interest on debt. A
higher Operating margin implies a lower default probability.


RETURN ON SALES

Return on sales is defined as P/L for period (Net income) divided by Turnover,
expressed as a percentage. Return on sales = P/L for period (Net income) /
Turnover x 100%. Return on sales indicates how much profit, net of all expenses,
is being produced per pound of sales. Return on sales is also known as net
profit margin. A higher Return on sales implies a lower default probability.


RETURN ON CAPITAL EMPLOYED

Return on capital employed (ROCE) is defined as Earnings before Interest and
Taxes (EBIT) divided by Total assets minus Current liabilities, expressed as a
percentage. This ratio indicates how successful management has been in
generating profits (before Financing costs) with all of the cash resources
provided to them which carry a cost, i.e. equity plus debt. It is a basic
measure of the overall performance, combining margins and efficiency in asset
utilization. A higher ROCE implies a lower default probability.


PILLAR 2 – LIQUIDITY

The Liquidity pillar assesses the ability of a company to become liquid in the
short-term. Illiquidity is almost always a direct cause of a failure, while a
strong liquidity helps a company to remain sufficiently funded in times of
distress. The liquidity pillar consists of variables that consider the ability
of a company to convert an asset into cash quickly and without any price
discount to meet its obligations. 


CURRENT RATIO

Current ratio is defined as Current assets, including Cash and Cash equivalents,
divided by Current liabilities, expressed as a number. This ratio is a rough
indication of a firm's ability to service its current obligations. Generally,
the higher the Current ratio, the greater the cushion between current
obligations and a firm's ability to pay them. A stronger ratio reflects a
numerical superiority of Current assets over Current liabilities. However, the
composition and quality of Current assets are a critical factor in the analysis
of an individual firm's liquidity, which is why the current ratio assessment
should be considered in conjunction with the overall liquidity assessment. A
higher Current ratio implies a lower default probability. 


QUICK RATIO

The Quick ratio (also known as the Acid test ratio) is defined as Current
assets, including Cash and Cash equivalents, minus Stock divided by Current
liabilities, expressed as a number. The ratio indicates the degree to which a
company's Current liabilities are covered by the most liquid Current assets. It
is a refinement of the Current ratio and is a more conservative measure of
liquidity. Generally, any value of less than 1 to 1 implies a reciprocal
dependency on inventory or other current assets to liquidate short-term debt. A
higher Quick ratio implies a lower default probability.


STOCK DAYS 

Stock days is defined as the average Stock during the year times the number of
days in a year divided by the Cost of goods sold, expressed as a number. This
ratio indicates the average length of time that units are in stock. A low ratio
is a sign of good liquidity or superior merchandising. A high ratio can be a
sign of poor liquidity, possible overstocking, obsolescence, or, in contrast to
these negative interpretations, a planned stock build-up in the case of material
shortages. A higher Stock days ratio implies a higher default probability.


DEBTOR DAYS

Debtor days is defined as the average Debtors during the year times the number
of days in a year divided by Turnover. Debtor days indicates the average number
of days that trade debtors are outstanding. Generally, the greater number of
days outstanding, the greater the probability of delinquencies in trade debtors
and the more cash resources are absorbed. If a company's debtors appear to be
turning slower than the industry, further research is needed and the quality of
the debtors should be examined closely. A higher Debtors days ratio implies a
higher default probability.


CREDITOR DAYS

Creditor days is defined as the average Creditors during the year as a fraction
of the Cost of goods sold times the number of days in a year. It indicates the
average length of time the company's trade debt is outstanding. If a company's
Creditors days appear to be turning more slowly than the industry, then the
company may be experiencing cash shortages, disputing invoices with suppliers,
enjoying extended terms, or deliberately expanding its trade credit. The ratio
comparison of company to industry suggests the existence of these or other
causes. A higher Creditors days ratio implies a higher default probability.


PILLAR 3 – CAPITAL STRUCTURE

The Capital pillar considers how a company is financed. Capital should be
sufficient to cover expected and unexpected losses. Strong capital levels
provide management with financial flexibility to take advantage of certain
acquisition opportunities or allow discontinuation of business lines with
associated write offs.  


GEARING

Gearing is defined as Total debt divided by Tangible net worth, expressed as a
percentage. It indicates the company’s reliance on (often expensive) interest
bearing debt. In smaller companies, it also highlights the owners' stake in the
business relative to the banks. A higher Gearing ratio implies a higher default
probability.


SOLVENCY

Solvency is defined as Tangible net worth (Shareholder funds – Intangibles)
divided by Total assets – Intangibles, expressed as a percentage. It indicates
the financial leverage of a company, i.e. it measures how much a company is
relying on creditors to fund assets. The lower the ratio, the greater the
financial risk. The amount of risk considered acceptable for a company depends
on the nature of the business and the skills of its management, the liquidity of
the assets and speed of the asset conversion cycle, and the stability of
revenues and cash flows. A higher Solvency ratio implies a lower default
probability.


PILLAR 4 – DEBT SERVICE

The debt service pillar considers the capability of a company to meet its
financial obligations in the form of debt. It ties the debt obligation a company
has to its earnings potential. 


TOTAL DEBT / EBITDA

The debt service pillar considers the capability of a company to meet its
financial obligations. This ratio is defined as Total debt divided by Earnings
before Interest, Taxes, Depreciation, and Amortization (EBITDA). Total debt
comprises Loans + Noncurrent liabilities. It indicates the total debt run-off
period by showing the number of years it would take to repay all of the
company's interest-bearing debt from operating profit adjusted for Depreciation
and Amortization. However, EBITDA should not, of course, be considered as cash
available to pay off debt. A higher Debt service ratio implies a higher default
probability. 


INTEREST COVERAGE RATIO

Interest coverage ratio is defined as Earnings before interest and taxes (EBIT)
divided by interest expenses (Gross and Capitalized). It indicates the firm's
ability to meet interest payments from earnings. A high ratio indicates that the
borrower should have little difficulty in meeting the interest obligations of
loans. This ratio also serves as an indicator of a firm's ability to service
current debt and its capacity for taking on additional debt. A higher Interest
coverage ratio implies a lower default probability.


PILLAR 5 – SIZE

In general, the larger a company is, the less vulnerable the company is, as
there is, usually, more diversification in turnover. Turnover is considered the
best indicator of size. In general, turnover is related to vulnerability. The
higher the turnover, the less vulnerable a company (generally) is.


RATIO SCORING AND MAPPING

While these financial ratios provide some very useful information regarding the
current state of a company, it is difficult to assess them on a stand-alone
basis. They are only useful in a credit rating determination if we can compare
them to the same ratios for a group of peers. Ratio scoring deals with the
process of translating the financials to a score that gives an indication of the
relative creditworthiness of a company against its peers.

The ratios are assessed against a peer group of companies. This provides more
discriminatory power during the calibration process and hence a better
estimation of the risk that a company will default. Research has shown that
there are two factors that are most fundamental when determining a comparable
peer group. These two factors are industry type and size. The financial ratios
tend to behave ‘most alike’ within these segmentations. The industry type is a
good way to separate, for example, companies with a lot of tangible assets on
their balance sheet (e.g. retail) versus companies with very few tangible assets
(e.g. service based industries). The size reflects that larger companies are
generally more robust and less likely to default in the short to medium term, as
compared to smaller, less mature companies.

Since ratios tend to behave differently over different industries and sizes, the
ratio value score has to be calibrated for each peer group segment.

When scoring a ratio, both the latest value and the long-term trend should be
taken into account. The trend reflects whether a company’s financials are
improving or deteriorating over time, which may be an indication of their
long-term perspective. Hence, trends are also taken into account as a separate
factor in the scoring function.

To arrive to a total score, a set of weights needs to be determined, which
indicates the relative importance of the different components. This total score
is then mapped to a ordinal rating scale, which usually runs from AAA (excellent
creditworthiness) to D (defaulted) to indicate the creditworthiness. Note that
at this stage, the rating only incorporates the quantitative factors. It will
serve as a starting point to include the qualitative factors and the overrides.

"A sound credit rating model strikes a balance between quantitative and
qualitative aspects. Relying too much on quantitative outcomes ignores valuable
‘unstructured’ information, whereas an expert judgement based approach ignores
the value of empirical data, and their explanatory power."


QUALITATIVE FACTORS

Qualitative factors are crucial to include in the model. They capture the
‘softer’ criteria underlying creditworthiness. They relate, among others, to the
track record, management capabilities, accounting standards and access to
capital of a company. These can be hard to capture in concrete criteria, and
they will differ between different credit rating models.

Note that due to their qualitative nature, these factors will rely more on
expert opinion and industry insights. Furthermore, some of these factors will
affect larger companies more than smaller companies and vice versa. In larger
companies, management structures are far more complex, track records will tend
to be more extensive and access to capital is a more prominent consideration.

All factors are generally assigned an ordinal scoring scale and relative
weights, to arrive at a total score for the qualitative part of the assessment.

A categorisation can be made between business analysis and behavioural analysis.


BUSINESS ANALYSIS

Business analysis deals with all aspects of a company that relate to the way
they operate in the markets. Some of the factors that can be included in a
credit rating model are the following:


YEARS IN SAME BUSINESS

Companies that have operated in the same line of business for a prolonged period
of time have increased credibility of staying around for the foreseeable future.
Their business model is sound enough to generate stable financials.


CUSTOMER RISK

Customer risk is an assessment to what extent a company is dependent on one or a
small group of customers for their turnover. A large customer taking its
business to a competitor can have a significant impact on such a company.


ACCOUNTING RISK

The companies internal accounting standards are generally a good indicator of
the quality of management and internal controls. Recent or frequent incidents,
delayed annual reports and a lack of detail are clear red flags.


TRACK RECORD WITH CORPORATE

This is mostly relevant for counterparties with whom a standing relationship
exists. The track record of previous years is useful first hand experience to
take into account when assessing the creditworthiness.


CONTINUITY OF MANAGEMENT

A company that has been under the same management for an extended period of time
tends to reflect a stable company, with few internal struggles. Furthermore,
this reflects a positive assessment of management by the shareholders.


OPERATING ACTIVITIES AREA

Companies operating on a global scale are generally more diversified and
therefore less affected by most political and regulatory risks. This reflects
well in their credit rating. Additionally, companies that serve a large market
have a solid base that provides some security against adverse events.


ACCESS TO CAPITAL

Access to capital is a crucial element of the qualitative assessment. Companies
with a good access to the capital markets can raise debt and equity as needed.
An actively traded stock, a public rating and frequent and recent debt issuances
are all signals that a company has access to capital.


BEHAVIOURAL ANALYSIS

Behavioural analysis aims to incorporate prior behaviour of a company in the
credit rating. A separation can be made between external and internal indicators


EXTERNAL INDICATORS

External indicators are all information that can be acquired from external
parties, relating to the behaviour of a company where it comes to honouring
obligations. This could be a credit rapport from a credit rating agency, payment
details from a bank, public news items, etcetera.


INTERNAL INDICATORS

Internal indicators concern all prior interactions you have had with a company.
This includes payment delay, litigation, breaches of financial covenants
etcetera.


OVERRIDE FRAMEWORK

Many models allow for an override of the credit rating resulting from the prior
analysis. This is a more discretionary step, which should be properly
substantiated and documented. Overrides generally only allow for adjusting the
credit rating with one notch upward, while downward adjustment can be more
sizable.

Overrides can be made due to a variety of reasons, which is generally carefully
separated in the model. Reasons for overrides generally include adjusting for
country risk, industry adjustments, company specific risk and group support.

It should be noted that some overrides are mandated by governing bodies. As an
example, the OECD prescribes the overrides to be applied based on a country risk
mapping table, for the purpose of arm’s length pricing of intercompany
contracts.

Combining all the factors and considerations mentioned in this article, applying
weights and scoring functions and applying overrides, a final credit rating
results.


MODEL QUALITY AND FIT

The model quality determines whether the model is appropriate to be used in a
practical setting. From a statistical modelling perspective, a lot of
considerations can be made with regard to model quality, which are outside of
the scope of this article, so we will stick to a high level consideration here.

The AUC (area under the ROC curve) metric is one of the most popular metrics to
quantify the model fit (note this is not necessarily the same as the model
quality, just as correlation does not equal causation). The AUC metric
indicates, very simply put, the number of correct and incorrect predictions and
plots them in a graph. The area under that graph then indicates the explanatory
power of the model. A more extensive guide to the AUC metric can be found here.


ALTERNATIVE MODELLING APPROACHES

The model structure described above is one specific way to model credit ratings.
While models may widely vary, most of these components would typically be
included. During recent years, there has been an increase in the use of payment
data, which is disclosed through the PSD2 regulation. This can provide a more
up-to-date overview of the state of the company and can definitely be considered
as an additional factor in the analysis. However, the main disadvantage of this
approach is that it requires explicit approval from the counterparty to use the
data, which makes it more challenging to apply on a portfolio basis.

Another approach is a purely machine learning based modelling approach. If
applied well, this will give the best model in terms of the AUC (area under the
curve) metric, which measures the explanatory power of the model. One major
disadvantage of this approach, however, is that the interpretability of the
resulting model is very limited. This is something that is generally not
preferred by auditors and regulatory bodies as the primary model for
creditworthiness. In practice, we see these models most often as challenger
models, to benchmark the explanatory power of models based on economic
rationale. They can serve to spot deficiencies in the explanatory power of
existing models and trigger a re-assessment of the factors included in these
models. In some cases, they may also be used to create additional comfort
regarding the inclusion of some factors.

Furthermore, the degree to which the model depends on expert opinion is to a
large extent dependent on the data available to the model developer. Most
notably, the financials and historical default data of a representative group of
companies is needed to properly fit the model to the empirical data. Since this
data can be hard to come by, many credit rating models are based more on expert
opinion than actual quantitative data. Our Corporate Credit Rating model was
calibrated on a database containing the financials and default data of an
extensive set of companies. This provides a solid quantitative basis for the
model outcomes.


CLOSING REMARKS

Model credit risk and credit ratings is a complex affair. Zanders provides
advice, standardized and customizable models and software solutions to tackle
these challenges. Do you want to learn more about credit rating modelling? Reach
out for a free consultation. Looking for a tailor made and flexible solution to
become IFRS 9 compliant, find out about our Condor Credit Risk Suite, the IFRS9
compliance solution.


CREDIT RISK SUITE

Provides corporates and banks with the standard in credit risk, from rating
models to calculation of loan loss provisions.

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   Mexico (México)+52
 * 
   Micronesia+691
 * 
   Moldova (Republica Moldova)+373
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   Monaco+377
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   Montserrat+1
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 * 
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 * 
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 * 
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   Netherlands (Nederland)+31
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   Nicaragua+505
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 * 
   Northern Mariana Islands+1
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 * 
   Oman (‫عُمان‬‎)+968
 * 
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 * 
   Palau+680
 * 
   Palestine (‫فلسطين‬‎)+970
 * 
   Panama (Panamá)+507
 * 
   Papua New Guinea+675
 * 
   Paraguay+595
 * 
   Peru (Perú)+51
 * 
   Philippines+63
 * 
   Poland (Polska)+48
 * 
   Portugal+351
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   Puerto Rico+1
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   Qatar (‫قطر‬‎)+974
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   Réunion (La Réunion)+262
 * 
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   Russia (Россия)+7
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   Rwanda+250
 * 
   Saint Barthélemy+590
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   Saint Helena+290
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   Saint Kitts and Nevis+1
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   Saint Lucia+1
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   Saint Martin (Saint-Martin (partie française))+590
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   Saint Pierre and Miquelon (Saint-Pierre-et-Miquelon)+508
 * 
   Saint Vincent and the Grenadines+1
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   Samoa+685
 * 
   San Marino+378
 * 
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 * 
   Saudi Arabia (‫المملكة العربية السعودية‬‎)+966
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   Senegal (Sénégal)+221
 * 
   Serbia (Србија)+381
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   Sierra Leone+232
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   Singapore+65
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   Sint Maarten+1
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   Suriname+597
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   Svalbard and Jan Mayen+47
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   Sweden (Sverige)+46
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   Switzerland (Schweiz)+41
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   Syria (‫سوريا‬‎)+963
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   Tajikistan+992
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   Tanzania+255
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   Togo+228
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   Tokelau+690
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   Tonga+676
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   Trinidad and Tobago+1
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   Turkmenistan+993
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   U.S. Virgin Islands+1
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   Uzbekistan (Oʻzbekiston)+998
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   Vanuatu+678
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   Vatican City (Città del Vaticano)+39
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   Venezuela+58
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 * 
   Wallis and Futuna (Wallis-et-Futuna)+681
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   Western Sahara (‫الصحراء الغربية‬‎)+212
 * 
   Yemen (‫اليمن‬‎)+967
 * 
   Zambia+260
 * 
   Zimbabwe+263
 * 
   Åland Islands+358

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+31

 * 
   United States+1
 * 
   United Kingdom+44
 * 
 * 
   Afghanistan (‫افغانستان‬‎)+93
 * 
   Albania (Shqipëri)+355
 * 
   Algeria (‫الجزائر‬‎)+213
 * 
   American Samoa+1
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   Andorra+376
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   Angola+244
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   Anguilla+1
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   Antigua and Barbuda+1
 * 
   Argentina+54
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   Armenia (Հայաստան)+374
 * 
   Aruba+297
 * 
   Ascension Island+247
 * 
   Australia+61
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   Austria (Österreich)+43
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   Azerbaijan (Azərbaycan)+994
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   Bahrain (‫البحرين‬‎)+973
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   Bangladesh (বাংলাদেশ)+880
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   Belize+501
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   Bermuda+1
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 * 
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 * 
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   Cook Islands+682
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   Kosovo+383
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   Mayotte+262
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   Mexico (México)+52
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   Micronesia+691
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   Moldova (Republica Moldova)+373
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   Monaco+377
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   Montserrat+1
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   Myanmar (Burma) (မြန်မာ)+95
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   Nauru+674
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   Nepal (नेपाल)+977
 * 
   Netherlands (Nederland)+31
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   New Caledonia (Nouvelle-Calédonie)+687
 * 
   New Zealand+64
 * 
   Nicaragua+505
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 * 
   Nigeria+234
 * 
   Niue+683
 * 
   Norfolk Island+672
 * 
   North Korea (조선 민주주의 인민 공화국)+850
 * 
   Northern Mariana Islands+1
 * 
   Norway (Norge)+47
 * 
   Oman (‫عُمان‬‎)+968
 * 
   Pakistan (‫پاکستان‬‎)+92
 * 
   Palau+680
 * 
   Palestine (‫فلسطين‬‎)+970
 * 
   Panama (Panamá)+507
 * 
   Papua New Guinea+675
 * 
   Paraguay+595
 * 
   Peru (Perú)+51
 * 
   Philippines+63
 * 
   Poland (Polska)+48
 * 
   Portugal+351
 * 
   Puerto Rico+1
 * 
   Qatar (‫قطر‬‎)+974
 * 
   Réunion (La Réunion)+262
 * 
   Romania (România)+40
 * 
   Russia (Россия)+7
 * 
   Rwanda+250
 * 
   Saint Barthélemy+590
 * 
   Saint Helena+290
 * 
   Saint Kitts and Nevis+1
 * 
   Saint Lucia+1
 * 
   Saint Martin (Saint-Martin (partie française))+590
 * 
   Saint Pierre and Miquelon (Saint-Pierre-et-Miquelon)+508
 * 
   Saint Vincent and the Grenadines+1
 * 
   Samoa+685
 * 
   San Marino+378
 * 
   São Tomé and Príncipe (São Tomé e Príncipe)+239
 * 
   Saudi Arabia (‫المملكة العربية السعودية‬‎)+966
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   Serbia (Србија)+381
 * 
   Seychelles+248
 * 
   Sierra Leone+232
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   Singapore+65
 * 
   Sint Maarten+1
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   Slovenia (Slovenija)+386
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   Solomon Islands+677
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   South Korea (대한민국)+82
 * 
   South Sudan (‫جنوب السودان‬‎)+211
 * 
   Spain (España)+34
 * 
   Sri Lanka (ශ්‍රී ලංකාව)+94
 * 
   Sudan (‫السودان‬‎)+249
 * 
   Suriname+597
 * 
   Svalbard and Jan Mayen+47
 * 
   Sweden (Sverige)+46
 * 
   Switzerland (Schweiz)+41
 * 
   Syria (‫سوريا‬‎)+963
 * 
   Taiwan (台灣)+886
 * 
   Tajikistan+992
 * 
   Tanzania+255
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   Thailand (ไทย)+66
 * 
   Timor-Leste+670
 * 
   Togo+228
 * 
   Tokelau+690
 * 
   Tonga+676
 * 
   Trinidad and Tobago+1
 * 
   Tunisia (‫تونس‬‎)+216
 * 
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 * 
   Turkmenistan+993
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   Turks and Caicos Islands+1
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   Tuvalu+688
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   U.S. Virgin Islands+1
 * 
   Uganda+256
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   Ukraine (Україна)+380
 * 
   United Arab Emirates (‫الإمارات العربية المتحدة‬‎)+971
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   United Kingdom+44
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   United States+1
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   Uruguay+598
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   Uzbekistan (Oʻzbekiston)+998
 * 
   Vanuatu+678
 * 
   Vatican City (Città del Vaticano)+39
 * 
   Venezuela+58
 * 
   Vietnam (Việt Nam)+84
 * 
   Wallis and Futuna (Wallis-et-Futuna)+681
 * 
   Western Sahara (‫الصحراء الغربية‬‎)+212
 * 
   Yemen (‫اليمن‬‎)+967
 * 
   Zambia+260
 * 
   Zimbabwe+263
 * 
   Åland Islands+358

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