Public and bank holidays for FR, DE, GB, US, ES, IT, NL, BE — years 2025-2027, each dataset verified against the country's official source (Etalab, Land statutes, gov.uk feed, OPM, BOE, normattiva, rijksoverheid, SPF Emploi). Movable feasts are computed (Gregorian computus), substitute days follow each country's official rule. Optional ?region= for sub-national holidays (German Länder, UK divisions, Alsace-Moselle).