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Any bookings made through a credit card may also have recoverable costs.

"You cannot guarantee you will have economically recoverable reserves in every country."

But experts are downbeat about the chances of the rest of the funds being recoverable, given the North Korean expertise in hacking and laundering the money.

Even though printed photos in old albums or those tucked away in a keepsake box might not be recoverable, there are ways to get back a version of your lost images through digital sources.

"You don’t see timber shipwrecks ashore and easily recoverable in this sort of size very often," he said.