Just sitting in Saint Petersburg, having lost my Austrian Bankomat-card (locked now), trying to get some money with my credit-card (already worked once, now suddenly my pin-code is required ...). Skype not working to check with my bank in Austria ... isn't it always like that in life? One comes to the other. In computer-sciences they call it a bug. Well, don't know what to call it in real life, but the basic principles of failure seem to be the same. Isn't it just human?