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T     Theproposedalgorithmforallocatingthesettlementisunfairandunjustified.Itisbased   onincorrectassumptionsthatshowacompletelackoftravelexpertise.Theattorneys,    representationalplaintiffs,and expertswhohaveproposedthisplandonotunderstandme,   thewayItravel,orthewayIpayformytrips.Theydonotrepresentmeormyinterests. z    Theproposedalgorithmforallocatingthesettlementisbasedontheassumptionthatall F cashspentabroadisbroughtfromtheU.S.Thisisobviouslywrong.Especiallyforlongertrips, , mostofthecashIhavespentabroadhasbeenobtained(inforeigncurrency)from_ATMs_Ԁabroad. j Typically,IhaveusedanATMcardwitha Visaor _Mastercard_logoatanATMabroad,to P withdrawcashinlocalcurrency(notU.S.Dollars)frommyU.S.bankaccount. 6   Thealgorithmisalsobasedontheassumptionthat_" persons_Ԁlivingabroadforextended  periodsobtainlodgingwhichisnotpaidforwithcreditcards(suchasapartments,...etc.)._" _ԀThis  isalsoobviouslywrong.WhenIhavetraveledorlivedabroad,Ihavenotusuallybeenableto v openalocalbankaccount,eitherbecauseIwasntstayinginanyoneplaceorcountrylong \ enough,orbecauseIdidnothavethenecessarystatus(residence,employment,etc.)toopena B localbankaccount.Instead,contrarytothefalseassumptionsunderlyingtheproposed ( algorithm,Ihavepaidformyownlodging!evenduringlengthytripsabroad!mostlyeither f withcreditordebitcards,orwithcashobtainedusingATMcards,issuedintheU.S.WhenI L havebeenoutsidetheU.S.foralongerperiodoft_ime_,Ihaventwantedorbeenabletobring 2 enoughcashortravelerscheckswithmetolastfor_for_Ԁmyentiretrip.SoIhaveusedcredit,   debit,andATMcardsforpurchasesinforeigncurrency,andwithdrawalsofcashinforeign ! currency,morewhenItraveledforalongerperiodoftimeoutsidetheU.S.thanforshorttrips.  " LongtermtravelersandexpatriatestypicallyputalargerfractionoftheirexpensesonU.S. !r# issuedcredit,debit,andATMcards(especiallyATMcards)thanshorttermtravelers!notless. "X $   Forthesereasons,IrequestthattheCourtnotapprovetheproposedsettlementorany |$$"& settlement,planofallocation,orfeeawardunlessanduntil(1)independentlongtermtravelers b% #' likemeareadequatelyrepresented,(2)theproposedsettlementhasbeenrevised,withthe H&#( participationofactualtravelexperts,and(3)therehasbeenanotherhearingandopportunityto .'$) commentonarevisedsettlement,planofallocation,andfeeaward.Ifurtherrequestthat,in (%* lightofthefailureofclasscounseltorepresenttheentireclass,theproposedfeeawardbe (&+ substantiallyreduced. )',     Respectfullysubmitted, +T). ____________________ ^.,1    *0-3 cc:  OfficeoftheClerkofCourt X U.S.DistrictCourtfortheSouthernDistrictofN.Y. > DanielPatrickMoynihanU.S.Courthouse $ 500PearlSt.   NewYork,NY100071312  MerrillG._Davidoff_,classcocounsel d Berger&Montague,P.C. J 1622LocustSt.  0 Philadelphia,PA19103 n   BonnyE.Sweeney,classcocounsel :  _Coughlin_Ԁ_Stoia_Ԁ_Geller_ԀRudman&Robbins,_LLP_   655W.Broadway,Ste.1900   ;(qX;XeSanDiego,CA92101#>V;(q#