We are happy to help you with questions that you may have and these communications are included in the membership, based on fair use policy. Our team is small and has limited capacity. If a request from your side involves considerable work, we will charge you on an hourly basis for the requested service. For instance: we can give you an example of a currency agreement with a tour operator for free, but if you want us to counsel you and help you adjust that agreement to your situation, we count the time used.