Tom **********
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Tom **********
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Tom ***********
@Terry *******
just wait until any step that requires a payment, that will be a whole new experience (e.g. U.S. credit card bank not approving a Honk Kong bank transaction)
Tom ***********
An obvious complication by this bureaucratic process is that visa applications often require return tickets and lodging reservations with dates shown, and that means committing at purchase time and usually paying change fees if dictated based on ultimate visa details.