/*a.sr-only{position:fixed !important;top:0;left:0;z-index:999999}img{max-width:100%;height:auto}a{outline:none;color:#003863}a:hover{color:#003863}button{border-radius:0;border:none;outline:none;background-color:transparent;cursor:pointer}button,button:focus{outline:none}p{word-spacing:.016em;letter-spacing:.012em}p:last-child:last-of-type{margin-bottom:0}p.text-left{text-align:left}p.text-center{text-align:center}p.text-right{text-align:right}header{word-break:break-word;overflow-wrap:break-word}h1{font-size:2.5rem;font-weight:400;margin-bottom:1rem}h2{font-size:2rem;font-weight:400;margin-bottom:1rem}h3{font-size:1.75rem;font-weight:400;margin-bottom:1rem}h4{font-size:1.5rem;font-weight:400;margin-bottom:1rem}h5{font-size:1.375rem;font-weight:400;margin-bottom:1rem}h6{font-size:1.25rem;font-weight:400;margin-bottom:1rem}@media(max-width: 767px){h1,h2,h3,h4,h5,h6{margin-bottom:.75rem}h1{font-size:2.25rem}h2{font-size:1.75rem}h3{font-size:1.5rem}h4{font-size:1.25rem}h5{font-size:1.2rem}h6{font-size:1.1rem}}.hide{display:inline-block;width:0;height:0;overflow:hidden;visibility:hidden;opacity:0}#meta{max-width:1180px;padding:0 15px;margin:0 auto;text-align:right}@media(max-width: 991px){#meta{display:none}}#meta,#meta a{color:#3d3d43;font-size:14px}#meta a:hover{color:#003863}#meta a:hover polygon{stroke:#003863}#meta a:hover path{fill:#003863}#meta ul{padding:15px;list-style-type:none;margin:0;display:inline-block}#meta ul li{display:inline-block;vertical-align:text-bottom}#meta ul#metamenu{padding-left:0}#meta ul#metamenu li a{padding-right:5px;display:inline-block}#meta ul#metamenu li a i{margin-left:5px}#meta ul#metamenu li a svg{width:16px;height:16px;vertical-align:text-bottom;margin-left:1px}#meta ul#metamenu li.language{margin-right:2px}#meta ul#metamenu li.language.active{color:#003863;font-weight:bold}#meta ul#metamenu li.language a{padding-right:0}#meta ul#metamenu li:not(.language) a{padding-left:5px}#meta ul#metamenu li:not(.language) a:hover:after{color:#003863}#meta ul#metamenu li.language+span{vertical-align:top}#meta ul#socialmedia{padding-right:0}#meta ul#socialmedia a{padding-left:5px}#header.fixed .header-wrap .desktop-menu>ul>li .overview-wrap{width:calc(100% - 30px);left:6px}#header.fixed .header-wrap .desktop-menu>ul>li .overview-wrap .overview{max-height:calc(100vh - 241px)}#header .mobile-menu{height:102px;position:relative;color:#003863;background-color:#fff;padding:15px}@media(min-width: 992px){#header .mobile-menu{display:none}}#header .mobile-menu .left,#header .mobile-menu .left img{height:100%}#header .mobile-menu .right{position:absolute;right:15px;top:50%;transform:translateY(-50%);font-size:30px}#header .mobile-menu .right .fa-spinner{font-size:2.75rem;margin:1rem 0;animation:rotate 2s linear infinite}@keyframes rotate{0%{transform:rotate(0deg)}100%{transform:rotate(360deg)}}#header .mobile-menu .right>span{position:relative;padding-right:10px;float:right}#header .mobile-menu .right>span:after{content:"";display:inline-block;border-right:1px solid #003863;height:30px;position:absolute;right:0;top:50%;transform:translateY(-50%)}#header .mobile-menu .right .burger{position:relative;float:right;height:30px;width:40px;margin-top:2px;margin-left:10px;cursor:pointer;transform:rotate(0deg);transition:transform .3s ease-in-out}#header .mobile-menu .right .burger .sr-close{display:none}#header .mobile-menu .right .burger.open{transform:rotate(90deg)}#header .mobile-menu .right .burger.open span:first-of-type{top:50%;transform:translate(-50%, -50%) rotate(45deg)}#header .mobile-menu .right .burger.open span:nth-of-type(2){opacity:0;height:0}#header .mobile-menu .right .burger.open span:last-of-type{top:50%;transform:translate(-50%, -50%) rotate(-45deg)}#header .mobile-menu .right .burger.open .sr-open{display:none}#header .mobile-menu .right .burger.open .sr-close{display:inline-block}#header .mobile-menu .right .burger span{position:absolute;left:50%;display:inline-block;width:100%;height:5px;background-color:#003863;transition:.3s ease-in-out}#header .mobile-menu .right .burger span:first-of-type{top:0;transform:translateX(-50%)}#header .mobile-menu .right .burger span:nth-of-type(2){top:50%;transform:translate(-50%, -50%)}#header .mobile-menu .right .burger span:last-of-type{top:100%;transform:translate(-50%, -100%)}#header .breadcrumb-nav{height:50px;background-color:#fff;margin:0 15px;text-overflow:ellipsis;overflow:hidden;color:#003863}#header .breadcrumb-nav span{line-height:50px}#header .breadcrumb-nav span:first-of-type{font-weight:700}#header .breadcrumb-nav span:not(:first-of-type):last-of-type{margin-left:5px}#header .breadcrumb-nav span .fa-angle-left{font-size:19px;margin-right:2px;vertical-align:text-bottom}#header .breadcrumb-nav button{color:#003863;white-space:nowrap;line-height:50px;display:inline-block;padding:0}#header .breadcrumb-nav button:hover,#header .breadcrumb-nav button.focus{background-color:#003863;color:#fff;text-decoration:underline}#header .breadcrumb-nav button.first{font-weight:700}@media(max-width: 767px){#header .breadcrumb-nav span.first:not(.only){display:none}#header .breadcrumb-nav span.first+.last{text-overflow:ellipsis;display:block;overflow:hidden;font-weight:700}}#header nav.mobile-navigation{background-color:#fff;margin-left:30px;position:absolute;z-index:999;width:calc(100% - 30px);height:calc(100vh - 102px);overflow-y:auto;left:0;opacity:1;transition:.3s ease-in-out;box-shadow:0 7px 7px -2px rgba(0,0,0,.3),0 -5px 0 0 #fff,-7px 0px 7px -2px rgba(0,0,0,.3)}@media(min-width: 992px){#header nav.mobile-navigation{display:none}}#header nav.mobile-navigation *.focus{outline:none !important}#header nav.mobile-navigation.hidden{left:100%;opacity:0;visibility:hidden}#header nav.mobile-navigation>ul.navbar-nav{position:relative;overflow:hidden;transition:height .3s ease-in-out}#header nav.mobile-navigation>ul.navbar-nav>li ul{position:absolute;left:100%;top:0;transition:left .3s ease-in-out}#header nav.mobile-navigation .breadcrumb-nav:not([data-num="0"])+ul.navbar-nav>li:not(.open){display:none}#header nav.mobile-navigation ul.navbar-nav{padding:0;margin:0;list-style:none;width:100%;z-index:1;background-color:#fff}#header nav.mobile-navigation ul.navbar-nav>li a{display:inline-block;width:100%;padding:15px 55px 15px 15px;color:#003863;background-color:#f1f8fe;border-bottom:1px solid #efefef}#header nav.mobile-navigation ul.navbar-nav>li.dropdown .link-wrap button.focus{background-color:#003863}#header nav.mobile-navigation ul.navbar-nav>li.dropdown .link-wrap button.focus>.fa-chevron-right{color:#fff}#header nav.mobile-navigation ul.navbar-nav>li .link-wrap:hover a,#header nav.mobile-navigation ul.navbar-nav>li .link-wrap a.focus,#header nav.mobile-navigation ul.navbar-nav>li.active>.link-wrap a{color:#fff;background-color:#003863;border-color:#003863}#header nav.mobile-navigation ul.navbar-nav>li .link-wrap:hover a,#header nav.mobile-navigation ul.navbar-nav>li .link-wrap a.focus{text-decoration:underline}#header nav.mobile-navigation ul.navbar-nav>li .link-wrap a.focus+button i.fa-chevron-right{color:#fff}#header nav.mobile-navigation ul.navbar-nav>li.current>.link-wrap a{color:#fff;font-weight:700;background-color:#003863;border-color:#003863}#header nav.mobile-navigation ul.navbar-nav>li .link-wrap:hover .fa-chevron-right,#header nav.mobile-navigation ul.navbar-nav>li.active>.link-wrap .fa-chevron-right,#header nav.mobile-navigation ul.navbar-nav>li.current>.link-wrap .fa-chevron-right{color:#fff !important}#header nav.mobile-navigation ul.navbar-nav>li.active>.link-wrap a.focus{background-color:#fff;color:#003863;text-decoration:underline}#header nav.mobile-navigation ul.navbar-nav>li.active>.link-wrap a.focus+button i.fa-chevron-right{color:#003863 !important}#header nav.mobile-navigation ul.navbar-nav>li.active>.link-wrap button.focus{background-color:#fff}#header nav.mobile-navigation ul.navbar-nav>li.active>.link-wrap button.focus>.fa-chevron-right{color:#003863 !important}#header nav.mobile-navigation ul.navbar-nav>li.dropdown>.link-wrap{position:relative;display:inline-block;width:100%}#header nav.mobile-navigation ul.navbar-nav>li.dropdown>.link-wrap>button{position:absolute;top:0;right:0;height:100%;width:55px}#header nav.mobile-navigation ul.navbar-nav>li.dropdown>.link-wrap>button>.fa-chevron-right{color:#003863;transition:transform .3s ease-in-out}#header nav.mobile-navigation ul.navbar-nav>li.dropdown.open>ul.dropdown-menu{left:0}#header nav.mobile-navigation ul.navbar-nav li.dropdown.open>span.link-wrap{display:none}#header nav.mobile-navigation ul.navbar-nav li.dropdown:not(.open)>ul{display:none}#header nav.mobile-navigation ul.navbar-nav li.dropdown.expanded>ul>li:not(.open){display:none}#header nav.mobile-navigation .social-buttons{padding:15px}#header nav.mobile-navigation .social-buttons a{color:#757575;font-size:30px;margin-right:10px}#header nav.mobile-navigation .social-buttons a:hover{color:#003863}#header nav.mobile-navigation ul.sub-menu{padding:15px;list-style:none}#header nav.mobile-navigation ul.sub-menu li{margin-bottom:15px}#header nav.mobile-navigation ul.sub-menu li a{color:#595959}#header nav.mobile-navigation ul.sub-menu li a:hover{color:#003863}#header nav.mobile-navigation ul.sub-menu li.active{font-weight:bold;color:#003863}#header nav.mobile-navigation ul.sub-menu li.active a{color:#003863}#header nav.mobile-navigation ul.sub-menu li:not(.language){font-size:0}#header nav.mobile-navigation ul.sub-menu li:not(.language) a{font-size:1.125rem}#header nav.mobile-navigation ul.sub-menu li.language+span{display:none}#header nav.mobile-navigation .footer-wrap{padding:15px;background-color:#003863}#header nav.mobile-navigation ul.footer-menu{list-style:none;padding:0}#header nav.mobile-navigation ul.footer-menu li{margin-bottom:10px}#header nav.mobile-navigation ul.footer-menu li.active{text-decoration:underline}#header nav.mobile-navigation ul.footer-menu li a{color:#fff}#header nav.mobile-navigation ul.footer-menu li a:hover{text-decoration:underline}#header nav.mobile-navigation .copyright{color:#003863;padding:15px;font-size:14px}@media(max-width: 991px){#header nav.desktop-menu{display:none}}#header nav.desktop-menu .fa-spinner{font-size:2.75rem;margin:1rem 0;animation:rotate 2s linear infinite}@keyframes rotate{0%{transform:rotate(0deg)}100%{transform:rotate(360deg)}}#header nav.desktop-menu>ul{width:100%;display:inline-block;list-style-type:none;padding:0;margin:0}#header nav.desktop-menu>ul>li{display:inline-block;margin-right:30px}#header nav.desktop-menu>ul>li ul>li.dropdown:after{content:"";width:50px;height:57px;position:absolute;left:calc(33.3333333% - 15px)}@-moz-document url-prefix(){#header nav.desktop-menu>ul>li ul>li.dropdown:after{transform:translateY(-100%)}}@media not all and (min-resolution: 0.001dpcm){@supports(-webkit-appearance: none){#header nav.desktop-menu>ul>li ul>li.dropdown:after{transform:translateY(-100%)}}}#header nav.desktop-menu>ul>li ul>li:hover>ul.dropdown-menu{display:block !important;z-index:2 !important}#header nav.desktop-menu>ul>li>.link-wrap button{color:#3d3d43;padding:20px 0;display:inline-block;font-size:24px;text-decoration:none}#header nav.desktop-menu>ul>li:last-of-type:not(:first-of-type){float:right;margin-right:0}#header nav.desktop-menu>ul>li:last-of-type:not(:first-of-type) .fa-chevron-down{margin-left:15px}#header nav.desktop-menu>ul>li:last-of-type:not(:first-of-type).open>.link-wrap>button .fa-chevron-down{transform:rotate(180deg)}#header nav.desktop-menu>ul>li .overview-wrap{display:none;width:100%;min-height:64vh;position:absolute;left:0;top:100%;z-index:999;padding:0;margin:0;background-color:#f1f8fe;box-shadow:0 10px 5px 5px rgba(0,0,0,.1)}#header nav.desktop-menu>ul>li .overview-wrap *.focus{outline:none !important}#header nav.desktop-menu>ul>li .overview-wrap a.main-link{color:#003863;display:inline-block;padding:11px 15px;position:absolute;top:0;left:30px;font-size:18px;font-weight:bold}#header nav.desktop-menu>ul>li .overview-wrap a.main-link:hover,#header nav.desktop-menu>ul>li .overview-wrap a.main-link.focus{color:#fff;background-color:#003863}#header nav.desktop-menu>ul>li .overview-wrap button.close-menu{display:inline-block;position:absolute;right:0;top:0;padding:10px;font-size:30px;line-height:20px;color:#003863}#header nav.desktop-menu>ul>li .overview-wrap button.close-menu:hover,#header nav.desktop-menu>ul>li .overview-wrap button.close-menu:focus{color:#fff;background-color:#003863}#header nav.desktop-menu>ul>li .overview-wrap button.close-menu .fa-times{width:30px;height:30px;text-align:center}#header nav.desktop-menu>ul>li .overview-wrap .overview{margin:50px 30px 50px 15px;display:flex;flex-basis:100%;width:100%;overflow-x:hidden;min-height:calc(64vh - 100px);max-height:calc(100vh - 344px)}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu{position:relative;list-style-type:none;flex-basis:100%;width:100%;padding-left:15px;margin:0}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu[style*="left: -33.3"]>li:not(.open),#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu[style*="left: -33.3"]>li.open>.link-wrap{display:none}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu[style*="left: -66.6"]>li:not(.open),#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu[style*="left: -66.6"]>li.open>.link-wrap,#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu[style*="left: -66.6"]>li.open>ul>li:not(.open),#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu[style*="left: -66.6"]>li.open>ul>li.open>.link-wrap{display:none}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu>li{width:calc(33.3333333% - 20px)}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu>li .link-wrap{position:relative;display:inline-block;width:100%}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu>li .link-wrap a{display:inline-block;width:100%;padding:15px 50px 15px 15px;color:#003863;font-size:18px}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu>li .link-wrap a:hover,#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu>li .link-wrap a.focus{text-decoration:underline;background-color:#003863;color:#fff}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu>li .link-wrap a[href="#"]{cursor:default;pointer-events:none}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu>li .link-wrap a[href="#"]:hover,#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu>li .link-wrap a[href="#"].focus{text-decoration:none}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu>li .link-wrap .fa-chevron-right{position:absolute;top:0;right:0;background-color:#f1f8fe;color:#003863;padding:18px;width:50px;height:100%;text-align:center;min-height:100%;border:none;outline:none;z-index:1}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu>li .link-wrap .fa-chevron-right:after{content:"";position:absolute;left:0;top:50%;transform:translateY(-50%);width:1px;height:100%;background-color:#fff;display:none}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu>li .link-wrap .fa-chevron-right:before{display:inline-block}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu>li .link-wrap .fa-chevron-right:hover,#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu>li .link-wrap .fa-chevron-right.focus{background-color:#003863;color:#fff;box-shadow:inset 0 0 0 #003863}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu>li .link-wrap .fa-chevron-right:hover:after,#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu>li .link-wrap .fa-chevron-right.focus:after{display:none}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu>li ul{display:none;list-style-type:none;padding-left:15px;margin:0;position:absolute;left:calc(33.3333333% + 5px);top:0;z-index:1;width:100%;height:100%;box-shadow:inset 2px 0 0 0 #003863;background-color:#f1f8fe}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu>li ul li{width:calc(33.3333333% - 20px)}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.open>ul.dropdown-menu{display:block}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.open>.link-wrap a{background-color:#003863;color:#fff}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.open>.link-wrap .fa-chevron-right{color:#fff}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.open>.link-wrap .fa-chevron-right:after{display:inline-block}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.open>.link-wrap .fa-chevron-right:before{transform:rotate(180deg)}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.active>.link-wrap a,#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.active>.link-wrap .fa-chevron-right,#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.open>.link-wrap a,#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.open>.link-wrap .fa-chevron-right{background-color:#003863;color:#fff}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.active>.link-wrap a:after,#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.active>.link-wrap .fa-chevron-right:after,#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.open>.link-wrap a:after,#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.open>.link-wrap .fa-chevron-right:after{display:inline-block}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.active>.link-wrap a:hover,#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.active>.link-wrap a.focus,#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.open>.link-wrap a:hover,#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.open>.link-wrap a.focus{background-color:#fff;color:#003863}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.active>.link-wrap .fa-chevron-right:hover,#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.active>.link-wrap .fa-chevron-right.focus,#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.open>.link-wrap .fa-chevron-right:hover,#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.open>.link-wrap .fa-chevron-right.focus{background-color:#fff;color:#003863}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.active>.link-wrap .fa-chevron-right:hover:after,#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.active>.link-wrap .fa-chevron-right.focus:after,#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.open>.link-wrap .fa-chevron-right:hover:after,#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li.open>.link-wrap .fa-chevron-right.focus:after{display:none}#header nav.desktop-menu>ul>li .overview-wrap .overview>ul.dropdown-menu li>.link-wrap a+.fa-chevron-right:before{animation:rattle .3s ease-in-out}@keyframes rattle{0%{margin-right:0}50%{margin-right:-5px}100%{margin-right:0}}#header nav.desktop-menu>ul>li.open>.overview-wrap{display:flex}#header nav.desktop-menu>ul>li.open>.link-wrap button{box-shadow:inset 0 -8px 0 0 #003863}#header nav.desktop-menu>ul>li:hover>.link-wrap button,#header nav.desktop-menu>ul>li.active>.link-wrap button,#header nav.desktop-menu>ul>li:focus>.link-wrap button{box-shadow:inset 0 -8px 0 0 #003863}#header nav.desktop-menu>ul li>.link-wrap>button .sr-open{display:inline-block}#header nav.desktop-menu>ul li>.link-wrap>button .sr-close{display:none}#header nav.desktop-menu>ul li.open>.link-wrap>button .sr-open{display:none}#header nav.desktop-menu>ul li.open>.link-wrap>button .sr-close{display:inline-block}#header{max-width:1180px;padding:0 15px;margin:0 auto 0;position:relative;background-color:#fff}#header .header-wrap{position:relative}#header .header-wrap .logo{margin-bottom:0;height:57px}@media(max-width: 991px){#header .header-wrap .logo{display:none}}#header .header-wrap .logo a{display:inline-block}#header .header-wrap .logo img{max-height:54px;width:auto;transition:max-height .3s ease-in-out}#header .header-wrap .logo .right img{right:0}#header .header-wrap .logo2 img{max-height:100px;width:auto}#header.fixed{position:fixed;z-index:1000;top:0;left:0;width:100vw;max-width:none;margin-top:0;padding:0;transition:box-shadow .3s ease-in-out;box-shadow:0 10px 5px -5px rgba(0,0,0,.1)}#header.fixed .header-wrap{max-width:1180px;padding:0 24px 0 6px;margin:30px auto 0;position:relative}#header.fixed+#body{margin-top:134px}@media(max-width: 991px){#header{position:fixed;z-index:999;top:0;left:0;width:100vw;max-width:none;margin-top:0;padding:0;box-shadow:0 0 5px 5px rgba(0,0,0,.1)}#header .header-wrap{max-width:1180px;padding:0 15px 0 0 !important;margin:0 auto !important}#header+#body{margin-top:102px !important}}/*# sourceMappingURL=critical.min.css.map */ --> /*]]>*/

╝¬¤Ú╗ó┬█╠│╣┘═°_╣┘═°í˘~

═╝ĂČ

Zum Inhalt springenZur Suche springen

Studienfinanzierung

Sperrkonto fĘ╣r das Studium in DĘ╣sseldorf

Bei der Beantragung Ihres Visums, sp?testens jedoch beim Antrag auf eine Aufenthaltserlaubnis, mussen Sie nachweisen, dass Sie Ę╣ber genĘ╣gend Geld verfĘ╣gen, um in Deutschland leben und studieren zu k?nnen. Als Nachweise gelten beispielsweise ein Stipendienbescheid, ein Einkommens- bzw. Verm?gensnachweis der Eltern oder die Verpflichtungserkl?rung einer Person mit Wohnsitz in Deutschland. Staatsangeh?rige einiger L?nder mĘ╣ssen zudem ein Sperrkonto bei einer Bank in Deutschland er?ffnen.

Viele internationale Studierende nutzen ein Sperrkonto fĘ╣r die Finanzierung ihres Studiums in Deutschland. Es hei?t so, weil die Summe, die Sie darauf Ę╣berweisen mĘ╣ssen, so lange gesperrt, also blockiert wird, bis Sie in Deutschland eingereist sind.

Ab dem 1. Januar 2021 betr?gt der angenommene j?hrliche Regelbedarf, der bei Visumbeantragung auf das Sperrkonto eingezahlt sein muss, 10.332 Euro. FĘ╣r mehr und verbindliche Informationen kontaktiere die deutsche Botschaft oder das deutsche Konsulat in Ihrem Heimatland.

Sie k?nnen bei vielen deutschen Banken ein Sperrkonto er?ffnen. Es gibt auch eine Vielzahl von Online-Anbietern. Auf der Website der Study in Germany finden Sie weitere Informationen Ę╣ber die Banken, bei denen Sie ein Sperrkonto er?ffnen k?nnen.


Arbeiten neben dem Studium

Neben den pers?nlichen Ersparnissen oder der famili?ren UnterstĘ╣tzung ziehen es viele Studierende vor, w?hrend ihres Studiums zu arbeiten.

Wenn Sie aus den Staaten der Europ?ischen Union (EU) oder dem Europ?ischen Wirtschaftsraum (EWR) zum Studium nach DĘ╣sseldorf kommen, sind Sie arbeitsmarktrechtlich den deutschen Studierenden gleichgestellt. Sie dĘ╣rfen im Rahmen der gesetzlichen Bestimmungen so viel arbeiten, wie Sie m?chten, mĘ╣ssen bei mehr als 20 Stunden allerdings Sozialversicherungsbeitr?ge bezahlen. 

Kommen Sie aus einem anderen Land, dĘ╣rfen Sie neben dem Studium 120 ganze bzw. 240 halbe Tage im Kalenderjahr arbeiten. Es z?hlen nur die Tage, an denen Sie tats?chlich gearbeitet haben. Feiertage, Urlaubstage und sonstige arbeitsfreie Tage werden nicht mitgerechnet. Falls Sie mehr arbeiten m?chten, brauchen Sie eine Erlaubnis der Bundesagentur fĘ╣r Arbeit und der Ausl?nderbeh?rde. Neben den 120 zustimmungsfreien Tagen k?nnen Sie an einer Hochschule als wissenschaftliche oder studentische Hilfskraft zustimmungsfrei und ohne zeitliche Begrenzung arbeiten. Dasselbe gilt fĘ╣r hochschulbezogene T?tigkeiten im fachlichen Zusammenhang mit dem Studium in hochschulnahen Organisationen, zum Beispiel als Tutorin oder Tutor in den Wohnanlagen der Studierendenwerke.


╝¬¤Ú╗ó┬█╠│╣┘═°: