1.  alex in response to why don't i inflict my gibberish on my friends... i am 
hurt... i thought it would be obvious that i consider you my best friend in the 
world and wanted to share, otherwise why else would you write back?

2.  raiffeisen - found out today that they charge $7 (!!!) for a non-raiffeisen 
ATM transaction within Moscow.  combined with an inability to pay for Raif 
services at one branch if these services are rendered at a different branch, 
it's time to leave them.  honestly, i have been using and recommending them for 
years and getting no interest on hundreds of thousands of dollars, to 
absolutely no purpose.  they charge fees for everything (we t'ferred about 
$50,000 in, they took an "incoming transfer" fee), and their services (I don't 
think) are distinguishable from Alfa or Sberbank.  Just an expensive misery, 
living off its reputation earned (fairly) in 1998.
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