My keenest memory: I was at an ATM in central Japan. My bank manager stopped me and said "Is today this month's wire back to the US to pay your student loans?" "Yep." "I strongly suggest not." "We had this discussion last month."
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"You use GoLloyds and their intermediary bank, the one that charges you $10 per transfer, for North America is Wachovia. Which, FDIC receivership, so I don't know if money sent into it today would be safe, and I worry for you." "... How do you know who GoLloyds uses?"
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"A customer of mine makes a habit of sending money through GoLloyds every month and therefore it is my job to know who their intermediary bank is."
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