ALTHOUGH he only works as a brick-maker, Ketut Tarma admits that life is now "safe" for him. This is in spite of the fact that Tarma's income is less than Rp150,000 per month, and he has to work hard to provide for his wife and child, who is only in the second grade of elementary school. "With my JKJ book, now I feel safe," said this 35-year-old villager of Banyu Biru, Negara subdistrict, Jembrana, on the island of Bali. &q