<p>UCLAri, being bigoted and being afraid of that which is not familiar to them is two different things. One is actual bigotry that must be corrected and the other is a self-defense instinct.</p>
<p>As for Citibank, my mom worked customer service there. She might have some validity…when the Japanese see Citi as “an outsider company” and Japanese are kind of suspicious of “outsiders”, Citi won’t get any clients.</p>