Georgi, thank you for your reply. I didn’t mean to criticise your article, that is actually very nice and informative. I was just making a point that many people forget to think about, and for which they may end up in trouble. I see you are actually based in Bali :) Cheers from Ubud. Ping me any time you come here in the mountains, I’ll love to buy you coffee and have a chat. https://sg.linkedin.com/in/debune