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    <lastmod>2026-10-24. Conflict note: PRA's public page still shows the pre-reform option set (Smile, Human Touch, Expanded Courtesy) and a US$1,400 application fee, while the September 2025 reform as summarised by PRA briefings and by law firm commentary sets the minimum age at 40, keeps only Classic and Courtesy, and reports the application fee at US$1,500. We publish both rather than pick one. Confirm the current figures with PRA before remitting a deposit.</lastmod>
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