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I remember when my wife and I went to Shanghai for a summer so I could attend a law school exchange program there. Getting our money changed was a complete nightmare because we arrived on a Sunday night and the banks were closed. The school required a deposit be paid before we could get our room but the payment had to be in cash in Chinese Yuan, which we didn’t have because we arrived to late. We were about to find a hotel for the night when another student loaned us the money (it was only the equivalent of about $20). The next day we got money exchanged and paid an additional deposit for the key to the room’s air conditioning

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