Great minds think a like and have also been looking at loop holes. Malta is interesting as they offer citizenship and quite rightly all they ask is you aren't a burden on them so private medical is a must. I need to read this as have other ideas to take this a step further.
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Yes, Malta and Cyprus are good options if you want EU citizenship. They are quite pricey. Montengro is another option which is musch cheaper - they are joining EU.