I probably deserve this, but I think I got hit by DCC. I got into a discussion with the acting manager at the Sheraton in Australia. I handed him my credit card. I wasn't paying attention and I let him operated the terminal. There's a difference of about US$7 between the market rate and what I see on my Citi account. I'm still in Sydney right now, but not sure if there is anything that can be done. OMG, so stupid of me not to ask for the terminal...