Notes:

One of the banks is advertising the fact that you can get to a human any time on their customer support line by hitting zero. Why am I surprised someone would use this as a plus? How many times have I been trapped in phone support limbo? There have been reports that companies really are designing their support lines to discourage people from getting help.

it turns out jet-lag is devastating to memory. Performance is bad even after a month at normal schedule. Dr Karl.