so Im expecting the TRD will after having had their 'tax bot' crawl through all our bank accounts, ATM transactions, Money Exchange transactions, International Money Brokers ie Wise/OFX/WU, then formulate a pattern and apply the 15% Withholding Tax, then when we submit the Income Declaration form to claim a rebate we may get a Tax Credit for the following year after the allowed Deductions have been considered. Any other ideas out there!