To limit their impact on the fragile ecosystem, Galapagos National Park -- which makes up 97% of the archipelago -- requires tourists to be accompanied by a certified guide when they enter protected areas.

CNN: Close encounters in the Galapagos

But you will need a guide in order to enter the temple.

BBC: Changing lives and perceptions in Ubud

The tax calculation guide will tell you what figures to enter where on the main tax return form and, once those are complete, carry on to the end of the form - which should now be ready to send off to HMRC.

BBC: The tax deadline at the end of January

In our Dec. 25 Investment Guide issue, we will list the contest questions, which you can answer and enter on the Internet at Forbes.com.

FORBES: Fact and Comment