Currency exchange while traveling: why do some still carry wads of cash?
FR

Translated into English.

LU Ludomero Veteran ·
Hi there, I’m also allergic to modern payment methods—I must be some kind of post-modern conservative (something like that). But my love for stacks of bills isn’t just about that; it’s also tied to other context-related reasons.

First, when traveling solo, one of my biggest fears is ending up without any way to pay—whether due to a robbery or my account being drained, which almost happened after using my card at a physical store.

Some might argue that you’re more exposed to robbery risks, but that doesn’t scare me as much, and I manage it by stashing my cash in different spots.

I’ve also forgotten my card PIN while traveling before, and if my itinerary hadn’t included a stop at my parents’ place, I would’ve had to go home to sort it out.

As for withdrawal limits—during my last trip (Pacific Crest Trail), my bank told me before I left that they couldn’t raise it, and unexpected expenses on the trail hit that limit. I was really glad to have cash on hand. Oh, and there are still remote areas where ATMs aren’t guaranteed, plus situations where cash is non-negotiable (businesses that only take cash, "donativo"-style donations).

Beyond personal habits, aversions, or phobias, travel conditions play a role too. Heading out alone for a long stretch far from home in a place where you’re completely on your own if something goes wrong isn’t the same as a short trip with a travel agency or friends who can bail you out in a pinch.
"La seule chose dont on soit sûr, en ce qui concerne l'avenir, c'est qu'il n'est jamais conforme à nos prévisions." (Jean Dutourd)
MO Mondusthan Regular ·
Good evening,

I completely agree with what’s just been said about why it’s better to carry cash instead of relying solely on a bank card. That said, taking cash doesn’t mean you shouldn’t have a card as a backup… It’s always safer to diversify your payment methods so you don’t end up in a tight spot!

And I’ll emphasize this again—there are *so* many places around the world where you can’t pay any other way than cash, and in remote areas, there often aren’t any ATMs either…

Honestly, we all know how much better it feels when someone pays us in cash directly, hand to hand (whether it’s for a business, renting a place, or buying goods, etc.), if only to avoid declaring the amount… So, I do the same when I’m abroad.

Oh, and thanks, Groschats and Lysa74, for your feedback on the N26 card. I’ll admit I’m still hesitant to try it… so I’ll pass for now…
AT Atila Globetrotter ·
A withdrawal in Germany, and you get 100 € bills.

If you have to go through Germany to travel, it’s still a bit of a detour though...
MO Mondusthan Regular ·
Why go so far?

At any post office, you can ask for 100 € bills if needed. Otherwise, you can withdraw 50 € bills and get them changed at any shop. I do this regularly when I need large denominations—no problem at all! That said, I don’t really see the point when traveling abroad...
AT Atila Globetrotter ·
Isn’t there an equivalent of Fortuneo or Boursorama in Switzerland—online banks with ultra-competitive rates, so competitive they’re basically free?
AT Atila Globetrotter ·
Why go so far?

I don’t know. It’s Tatra’s solution.
AT Atila Globetrotter ·
Actually, it’s an age-old fear—running out of money.

I think you’ve hit the nail on the head. [;]
AT Atila Globetrotter ·
Personally, I contact my bank to get 100 € bills. A week later (at most), I go pick them up. Not really a hassle.

Way more than just entering your PIN at an ATM... How do you handle last-minute trips? That takes some serious planning!

I always keep my cash on me. Except at night.

Really? How do you manage when you go snorkeling or diving? Tatra isn’t into the beach scene, so no worries for him. But I thought water activities were part of your travels, right?

By the way, in South Africa, did you carry around your wad of euros too? If so, I might need to rethink my opinion about your Auvergne roots. A guy who’d rather lose money on exchange fees than withdraw from an ATM isn’t really one of them.
MO Mondusthan Regular ·
Isn’t it also the fear of running out that makes us stock up on firewood before the coming winter? Food for the week (or the month for some)? Possible reservations in places where it’s hard to find accommodation? And so on...

It seems to me that this fear is indeed ingrained in each of us, at different levels. For some, it’ll manifest in food, for others in money, relationships, etc. A legitimate fear we all share as fragile human beings.

Perhaps it’s the consequence of losing our identity, of forgetting ourselves. Have we lost the conviction of being whole without needing to "complete" ourselves? Have we forgotten how to be serene in the face of life, to the point of no longer trusting ourselves?

We constantly need reassurance. Because we’ve grown accustomed to lacking. And because we’ve lost ourselves in the game of appearances, unfortunately...
LU Ludomero Veteran ·
At any post office, you can ask for 100 € bills if needed. Otherwise, you withdraw 50 € bills and get them exchanged at any shop. I do this regularly when I need large denominations—no problem! That said, I don’t really see the point for traveling abroad...

I’ll keep in mind for my next trip that it’s possible to get 100 € bills at some post offices (not the one closest to me, though). This year, I really struggled to find those denominations. My SG bank branch first sent me to the main branches in the Paris region, which no longer offer this service. I was then directed to the Banque de France, where I was bounced from the Bastille branch to the main one (rue Notre Dame des Victoires) only to end up with a rude refusal.

In the end, I found 100 € bills through a helpful currency exchange agent and by finally locating an ATM that dispensed them (I had to call my bank to lift my withdrawal limit).

Can you withdraw these bills at a post office even if you’re not a La Poste customer?

Otherwise, I agree with your points—especially about not liking this gradual shift toward dematerialization. In my opinion, it slowly disconnects us from pretty much everything, both things and people, while tightening surveillance over us.

Besides, you don’t need to be a potential terrorist or tax evader to dislike feeling constantly monitored.
"La seule chose dont on soit sûr, en ce qui concerne l'avenir, c'est qu'il n'est jamais conforme à nos prévisions." (Jean Dutourd)
AT Atila Globetrotter ·
Traveling without any cash on you is like heading into the Sahara naked but having thought to bring sunscreen... Clever

The list of countries without a single ATM, especially in the capital where travelers usually land, must be pretty short. The point isn’t whether to pay in cash or by card, but how you get the local currency (exchange or ATM).

Personally, the only time I *had* to exchange money was during my trip to Myanmar—there weren’t any other options back then. Things have probably changed since.

I used to exchange money too, but that was when banks charged crazy fees and cards weren’t as widely accepted. I actually preferred traveler’s checks back then.
LU Ludomero Veteran ·
And how do you handle it when you go snorkeling or diving?

Yes, there are situations where you might have to rack your brain to reduce the risk of having your stash stolen. Sometimes you’ll have access to a safe where you can store your treasure, other times you’ll take the risk of leaving it in a "visible" spot, hoping a potential thief will find it too risky to rummage through your stuff in front of people who might be your friends. Yes, there’s always a risk—and there always will be.

But having a credit card stolen can also be disastrous if you’re on the other side of the world.

P.S.: For water sports, there are waterproof pouches that let you keep your valuables with you.
"La seule chose dont on soit sûr, en ce qui concerne l'avenir, c'est qu'il n'est jamais conforme à nos prévisions." (Jean Dutourd)
MO Mondusthan Regular ·
Can you withdraw these bills at a post office even if you're not a Post Office customer?

I don’t know. Personally, I’m a customer, so maybe that’s why? Or maybe it’s easier to ask at provincial branches? I don’t know Paris, but it seems like things work a little differently there... (?)

Besides, you don’t need to be a potential terrorist or a tax evader to dislike feeling constantly monitored.

Absolutely. It’s an unpleasant feeling, especially when you value freedom like I do. Maybe it’s just a matter of temperament—some people clearly don’t mind.

It might also tie into what we were saying earlier: a fear of running out. The fear of losing freedom as the world becomes more and more restrictive... I fully stand by that, by the way.
KA Kate Globetrotter ·
But why do you prefer doing it this way?

Traveling with local currency? So I don’t have to look for an ATM when I arrive, so I can quickly leave the airport and pay for my taxi without wondering if they take cards. My card takes over when I run out of cash. I don’t really worry about extra exchange or withdrawal fees—I just do what works for me. Like you said, on a budget of 2000 €, an extra 20 € more or less doesn’t make much difference. 😕
Mes photos sur Flickr: https://www.flickr.com/photos/153304262@N05/albums "Le Temps nous égare. Le Temps nous étreint. Le Temps nous est gare. Le Temps nous est train".
DÉ Dérupe Regular ·
Is there no equivalent of Fortuneo or Boursorama in Switzerland—online banks with ultra-competitive rates, so competitive they’re basically free?

Switzerland isn’t always super friendly with ultra-competitive rates, sniff. If they exist, I’d love to hear some names.

Personally, I withdraw from ATMs and pay cash, except for a few large amounts—just like I often do at home—and because I get charged fees for every payment. I always carry a few hundred dollars because I’ve had trouble finding ATMs that accept my two cards (I don’t have a credit card, only two Maestro cards) or because all the ATMs were empty (in Argentina, does that even count?). Since I never know how things work in a country beforehand, and because banking system failures can happen, the goal is to have both payment methods available. And I’ve regularly ended up using some of that cash—in Argentina (before they went crazy with money), Mexico, Georgia, Ecuador, and maybe a few others I’m forgetting. Otherwise, I notify my bank because for some destinations, they adjust my withdrawal limits. For those worried about losing their card, there are cards that can be replaced anywhere abroad... with a little cash to tide you over, and you’re all set.
AT Atila Globetrotter ·
this progressive dematerialization ... a tax fraudster

Dematerialization is indeed intended to combat dirty money from undeclared work and drug money laundering.

It also aims to reduce violent theft. No cash, no robberies, no armored trucks attacked, no gun to your head to steal a day’s earnings.

Banks no longer hold cash to avoid this deadly risk.

Card fraud is mostly physical, so it’s not serious—especially since banks are required to refund any purchase made without a PIN or signature.

There are a few cases of violence to extort PINs, but it’s minimal compared to the rest.

not liking the feeling of being constantly monitored.

If you don’t want to feel monitored, first stop using a cell phone. No legal travel either because of passports... No job with a time clock.

A complicated life—what for, in the end?

My life is insignificant. I can’t see why anyone would bother tracking it.

Attila peed at 8:12 AM, pooped at 2:00 PM, bought a tenderloin at 6:00 PM, criticized poutine at 7:08 PM, had a drink at 8:03 PM... at 11:00 PM.

Fascinating!

Apart from advertisers, we don’t interest anyone. And given the results in my inbox, their techniques leave a lot to be desired! 😏
AT Atila Globetrotter ·
But credit card fraud can also be catastrophic if you're on the other side of the world.

Emergency card service transfer. Solidarity among travelers. Family.
MO Mong1 Globetrotter ·
ATMs, cash machines... those so-convenient devices, and those little plastic cards!

You can add me, Agnès, to the list of travelers who prefer other methods—those who aren’t big fans of these machines. The skeptics, the cautious, the planners, or anyone else who’s explained their reasons to you.

The convenience some seek isn’t the same for everyone. Why bother hunting for a cash machine in certain places (especially when you already need local currency to pay for transport on arrival), risk having your card swallowed, or forgetting your PIN when you’re not used to using it?

During my many trips, as surprising as it may seem, I think I’ve only used ATMs once or twice—maybe three times. That was back in the days of traveler’s checks in dollars, and they weren’t always easy to exchange.

Otherwise, I estimate my budget before leaving and bring cash with me. Of course, I have a credit card for peace of mind in case of need, mostly for paying hotels. I exchange money at the airport upon arrival to be set for the whole stay... but there’s also the constant fear of getting robbed. Though losing a card can be just as problematic... Exchange rates matter little to me (or almost not at all)... as long as the difference doesn’t impact my trip, right?

Still, I recently had a close call when paying for a hotel with my card—it got blocked at the end of my stay, even though I’d warned my bank. Luckily, the situation resolved instantly thanks to my smartphone and the ability to raise my withdrawal limit... Progress does have its perks! 😉

Otherwise, waiting in line at an airport counter, getting familiar with the local currency as you count it in front of everyone—isn’t that part of the travel experience too? That’s when the adventure really begins...

Memories of certain airport counters (Cuba, where the question of exchanging everything at once didn’t even come up), memories of long lines on the sidewalk first thing in the morning for currency exchange in Mexico (so inconvenient), and memories of stacks of kips in Laos for a small sum. And those bills from every country, which you end up collecting...

As for online banks, I don’t even know what they are... or rather, how they work! 🙂
LU Ludomero Veteran ·
I’m desperately trying to remember the title of a film about the risks of excessive dematerialization—something that was supposed to be a happy progress at first but leaves the main character completely dispossessed of everything.

Just now, I was talking to someone who’s right in the middle of this: due to a mistake, the tax office has frozen all his accounts for a week, even though they admitted the error (no, he’s not some potential tax evader from Levallois-Perret). Luckily for him, he wasn’t traveling on the other side of the world.
"La seule chose dont on soit sûr, en ce qui concerne l'avenir, c'est qu'il n'est jamais conforme à nos prévisions." (Jean Dutourd)
LU Ludomero Veteran ·
Apart from advertisers, nobody’s interested in us. And judging by my inbox, their techniques leave a lot to be desired! 😏

No offers for a safari to hunt gazelles and antelopes? 😉
"La seule chose dont on soit sûr, en ce qui concerne l'avenir, c'est qu'il n'est jamais conforme à nos prévisions." (Jean Dutourd)
MI MirandaMouse Globetrotter ·
But credit card theft can also be catastrophic if you're on the other side of the world.

Emergency transfer from the card service. Solidarity among travelers. Family.

Emergency transfer?

It’s something that stresses me out—losing all my payment methods.

That’s why I also prefer to carry cash for the day and leave my card at the accommodation.

I just get stressed when I first arrive since I’ve got everything on me, of course.
http://www.lasourisglobe-trotteuse.fr/

Des milliers de photos et plein de conseils d'une souris pour voyager low-cost en Europe et hors des sentiers battus
DJ Djalma Globetrotter ·
How do you handle it if you leave on the spur of the moment? That takes some serious planning on your part!

I’ve had it happen several times where I left it a bit late to get 100 € bills. So I withdraw 50 € ones instead, and most of the time I mix the two.

And how do you manage when you go snorkeling or diving?

I leave it at the hotel or guesthouse—I’ve never had a problem, whereas with ATM withdrawals I’ve had issues twice. You can also get your card and ID stolen while you’re in the water...

Otherwise, in South Africa, did you also lug around your wad of euros?

I did as usual, except that in South Africa I had more trouble than elsewhere exchanging money, but I never used my card to withdraw from an ATM—something I’ll never do again. Guest farms, camps, lodges, hotels, etc., I paid for everything with my card, and I did end up with more bank fees than in any other country.

A guy who’d rather lose money on exchange fees than withdraw from an ATM isn’t much of a man. If so, I might have to reconsider my opinion about your Auvergne roots.

I have a bank account with the bank of my choice where I get quite a few perks and lower bank fees and card costs. In return, using my card outside the eurozone costs me more. It’s a choice, and I don’t want to clutter myself with multiple cards.
https://www.youtube.com/watch?v=-XCOyB7WStI https://www.youtube.com/watch?v=g2eI67iCbKY
AT Atila Globetrotter ·
when you're not used to it?

Yeah. More and more, I feel like it’s all about habit and how easy modern payment and communication tools make things.

No problem finding an ATM if you know how to use Google Maps or similar. No problem either if you prepare a bit ahead (ATMs are listed on Visa and Mastercard’s websites).

Those who prefer cash will stick with it, while card users will keep using their cards.

The rest is just anecdotal.

However, people who switched to cards for financial reasons seem underrepresented in this discussion.

Otherwise, standing in line at an airport counter, getting familiar with the local currency while counting it in front of everyone—isn’t that part of the travel experience too? Then the adventure can truly begin...

Don’t give that advice to someone arriving at certain airports. Big risk of getting scammed...

Clermont-Ferrand, for example. For Quebec, it’s ATMs or nothing! !
TA Tatra Globetrotter ·
Those who love cash tend to prefer it, while those used to cards stick with them.

For me, it's cards in France—except Paris—and cash everywhere else.

Clermont-Ferrand, for example. For Quebecers, it's ATMs or nothing! 😊

We mentioned "airport"...

Michel
MO Mondusthan Regular ·
The reasons for dematerialization that you mention are the ones we’re happy to believe and that reassure most people. However, they’re also an effective way to use a supposedly "safer" world as a pretext to actually infringe on our individual freedoms.

Just look at how things work in China—the forefront of freedom-restricting laws—to see how absurd such measures are when gradually introduced into a population.

Along the same lines, why not install cameras on every street corner across the country? No more cash, what a great opportunity... And by the way, facial recognition at the entrance of every shop would be progress... Since we have nothing to fear, insignificant common people that we are! And so on, and so forth...

This is how we gradually slide into totalitarian regimes. Orwell already talked about it in his time. What a visionary!
AT Atila Globetrotter ·
I'm desperately trying to remember the title of a film about the risks of excessive dematerialization, which was initially meant to be a happy progress, and where the main character ends up being stripped of everything.

My great-aunt used to iron the bills and then store them in a sugar box, which she’d hide afterward.

So well, in fact, that she never found it again.
AT Atila Globetrotter ·
Emergency transfer?

Yes. There are planned fund transfers as well as sending a replacement card. You need to call the bank card service. (collect call, so free)

It may incur fees, but it's possible.

Otherwise, you call a friend or family for a transfer via Western Union or similar.

I don’t think getting help from another traveler is easy these days (with a promise to repay upon return). Trust...
TR Traplina Regular ·
I don’t think getting help from another tourist is easy these days (with a promise to pay them back later). Trust...

There are always exceptions to everything.

I once helped a fellow traveler in Lima—her card was blocked, and she paid me back when I got back to France. A month ago, I lent some French travelers a wad of pesos in exchange for a SEPA transfer back in France...

But let’s be real, this isn’t a reliable way to travel!
AT Atila Globetrotter ·
You can also get your credit card and ID stolen while you're in the water...

Yeah, but at least you don’t lose anything financially.

I actually had more bank fees than in any other country

In South Africa, I really struggled more than elsewhere to exchange money

Well, yeah. The money changers must’ve loved you when they saw you coming with your euros. Good thing you didn’t go to Botswana, because there the exchange would’ve cost you nearly 30%...

It’s a choice, and I don’t want to burden myself with multiple cards.

That’s the gamble of traditional banks. The customer who prefers routine over prices.
AT Atila Globetrotter ·
They said "airport"...

It’s an airport. A busy one, mostly used by international business travelers (Michelin-level).

As far as I’m concerned, I use cards in France—except in Paris—and cash everywhere else.

Why not cards in Paris too?
AT Atila Globetrotter ·
There are always exceptions to everything

Yes. My parents had also helped out a French couple whose vacation cash was stolen from their caravan in Italy. This was at a time when international credit cards were rare, and even domestic ones weren’t that common. We ended up roughing it at the end of our own vacation—no money left to eat on the last day...

They were reimbursed without so much as a thank-you...

I don’t know if I’d help just anyone in the same situation today. Maybe a family.
AT Atila Globetrotter ·
The reasons for dematerialization are the ones I mentioned earlier. Plus the costs. Paper money is expensive!

Orwell would probably be looking at the internet and social media instead.

And yet, oddly enough, you don’t hold back on that?
AT Atila Globetrotter ·
As you said, with a budget of 2000 €, 20 more or less

That’s with a zero-commission card in countries where ATMs charge fees and don’t dispense much... In other cases, exchange bureaus can really inflate the bill. The loyal card customer whose bank isn’t travel-friendly can also lose out big time (Soviet-era Romania, Venezuela, Argentina sometimes).

If the goal is the best value for money, you’ve gotta juggle different methods depending on the country. Personally, that’s how I operate. Cards always come out on top after all these years, even if I sometimes get dollars when it’s the local currency or required for certain expenses and I’m passing through Paris.

. I don’t really worry about extra exchange or withdrawal fees—I just do what works for me.

But where do you manage to exchange money in Béziers???

Even at a bank, exchanging currency is getting complicated. Especially for anything other than dollars, Swiss francs, or pounds sterling.

Do you order online?
AT Atila Globetrotter ·
Switzerland isn’t always the most budget-friendly when it comes to super competitive rates, sniff.

If the Swiss now have to open accounts in France, the world’s gone upside down!

And on top of that, you’d need a third-party account like Revolut to transfer money without fees.
TA Tatra Globetrotter ·
Oh yeah. The money changers must’ve loved you when they saw you coming with your euros. Good thing you weren’t in Botswana—there, the exchange would’ve cost you nearly 30%...

I’m not gonna name the bank outright since I’m not 100% sure anymore, but this summer I walked away from the last screen on a PLN withdrawal at Warsaw Airport from an ATM that was charging... 11%.

Personally, I also weigh a lot of things beyond just the "price": a balance with comfort, enjoyment, fun, peace of mind... You’ve got a very "low-cost" approach to funding your trips, I think.

Michel
MA Mariecurry Globetrotter ·
I won’t name the bank directly because I’m not 100% sure anymore, but this summer I almost went through with a withdrawal in PLN at Warsaw Airport from an ATM that was charging... 11%.

I try to avoid ATM withdrawals in Poland—they’re not recommended because they’re heavily (or even doubly) overcharged. When you withdraw PLN from an ATM, does the screen immediately show you the commission percentage?
TA Tatra Globetrotter ·
Hi there,

In my experience, ATMs usually only inform you about the commission at the very last moment. And it can be steep. Card payments also require attention: they often ask if you want to pay in euros or PLN.

Michel
MA Mariecurry Globetrotter ·
In my experience, I think the ATM only informs you about the fee at the very last moment. But it can be steep

. I try to avoid it, but I’ve already used an ATM in Poland. I’ll admit I didn’t pay much attention—just to the amount I was withdrawing. Is the fee shown on the receipt? I usually only find out about the charges when I check my bank statements... long after I’ve returned.
TA Tatra Globetrotter ·
Generally, the last screen asks a question like "Do you accept the transaction for this amount?" This doesn’t include any potential fees for withdrawals outside the eurozone from the French bank that issued the card. But sometimes the fees are so high that any kantor is a better deal.

Michel
AT Atila Globetrotter ·
You’ve got the "super budget" financing, I see.

I’ve got the "responsible parent" financing. The cozy, risk-free financing that’s kind to my wallet. Basically, the savings-account financing.

The countries I visit are usually more favorable with a card, but I adapt. I check local customs. I take note of Polish quirks. Never seen anything like it elsewhere for an ATM.

When a card payment gives you two options, always choose to be charged in the local currency. Never in euros.
DJ Djalma Globetrotter ·
The money changers must have loved you when they saw you arrive with your euros.

For me, it came out about the same. Even if the exchange rate was a bit less favorable, my bank fees were zero (instead of 2.5% + a fixed amount per transaction). The main downside was the difficulty of finding a money changer (bank or otherwise).
https://www.youtube.com/watch?v=-XCOyB7WStI https://www.youtube.com/watch?v=g2eI67iCbKY
AT Atila Globetrotter ·
You're the grasshopper when it comes to banking. The ant for everything else.

I do the opposite.
DJ Djalma Globetrotter ·
You're carefree when it comes to banking.

I choose my bank for reasons other than travel currency exchange. The other benefits it provides more than cover these minor inconveniences!

I’m also carefree about not having any store or supermarket loyalty cards, etc... I only have two cards: my Visa Premier (which is 50% reimbursed) and my *carte vitale* (which stays at home), and that’s already a lot!
https://www.youtube.com/watch?v=-XCOyB7WStI https://www.youtube.com/watch?v=g2eI67iCbKY
AT Atila Globetrotter ·
Do as you please.
DÉ Dérupe Regular ·
If the Swiss now have to open accounts in France, the world’s gone topsy-turvy! 😄

The end of the world, yeah 🙂
AT Atila Globetrotter ·
Just back from Spain, and I’d recommend—just this once—withdrawing a few euros in France for small expenses you’d need to pay in cash over there. Not that there’s much, really.

Even though Spain is in the eurozone, local ATMs charge fees. Anywhere from just under two euros to nearly five.

A way for Spanish banks to recover after the rough times they’ve been through...
AT Atila Globetrotter ·
A really interesting link for anyone who doesn’t *have* to spend under-the-table money or who isn’t allergic to banks and modern payment methods:

https://www.tourdumondiste.com/argent-carte-visa-master-card-tour-du-monde

(Link found by member spoon 78—thanks!)
TR Traplina Regular ·
A very interesting link ...

This link is great, thanks!
TA Tatra Globetrotter ·
Hi,

It took me about two minutes to read the first big blunder... "Just pay for your transport with your Max card to be insured for the first three months of your trip (even if credit card insurance does have some drawbacks compared to 'real' travel insurance)." When someone’s this off-base about such a fundamental, there’s little chance they’ve got the rest figured out.

Michel
DJ Djalma Globetrotter ·
A very interesting link for those who don’t need to offload undeclared income or aren’t allergic to banks and modern payment methods:

By the way, you didn’t share your personal solution with us...
https://www.youtube.com/watch?v=-XCOyB7WStI https://www.youtube.com/watch?v=g2eI67iCbKY

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