On our recent trip, most restaurants added the service fee and we saw 15% and 18%. One receipt even said that it was a BVI requirement to add the service fee. However, Hendos did not have the fee and said the requirement language on the mentioned receipt was total BS. We treated the fee (when it was included) as a tip for the entire staff and added extra tip for our server. It's obviously important to pay attention to this, but we seem to forget each year until night two or three!