An added bonus to using your ATM card in Europe is that you won't incur the 10% for exchanging money; only the fee your bank charges for using the card.
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C4/5 - ACDF in 2000
C5/6 - ACDF in 2002
C3/4 & C6/7 - M6 ADR, Nov 2009, Barcelona
Conceded defeat to a manifestly disingenuous BCBS-TX in my quest for reimbursement, Jan 2011
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