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Do you have any exams coming up? <a href=" http://www.defenceanglicans.org.au/telmisartan-40-mg.pptx ">micardis 80 mg</a> The real story of what&#8217;s going on here, of course, is that Citi&#8217;s adversarial ways are a direct consequence of the &#8220;free checking&#8221; meme. Every bank wants to be able to offer free checking, and so as a result, every bank needs to find hidden, annoying ways to make money from its checking accounts instead. This is just one of many such ways. But it&#8217;s particularly galling to me, because I grew up in the UK, where overdrafts are much, much simpler: they&#8217;re just negative balances. The minute that sufficient money is deposited into the account, the overdraft gets paid off in full.