Correct, but this is being slowly phased out in some areas, particularly in the EU due to regulations. e.g. https://www.lexology.com/library/detail.aspx?g=2d2a

Correct, but this is being slowly phased out in some areas, particularly in the EU due to regulations. e.g. https://www.lexology.com/library/detail.aspx?g=2d2ab9fe-a2a5-4f37-be33-914f5a30f441 https://www.lexology.com/library/detail.aspx?g=2d2ab9fe-a2a5...