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Two questions: currency and locale

13 years ago
1. Understand, through my reading, that small currency denominations are required due to local economics.

My assumption is that ATM's there, as here in the U. S., dispense $20 bills.

Is it difficult to get them changed into smaller bills and coins?

2. There is scant information on Loja that I've read.

It points to a clean, culturally rich small city with a vibrant music appreciation. Sounds good to me. Verdad?

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