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Secondly, with a B permit, I still need a visa to travel to all the EU countries. Can I apply for the necessary tourist visas through the embassies in Bern? Or do I have to go back to the US and apply in person there?
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I'm afraid I can't help with the other questions, but for this one, once you are resident in a particular country, there should be no problem applying for visas through the relevant embassy. I have applied for many visas in my various countries of residence and there has never been a problem!