September 14 2016, 15:12

In English, the names of most diseases are used without an article, but, for example, influenza and the plague are used only with ‘the’, while a cold and a stroke follow general rules and can use ‘a’ or ‘the’. Names of institutes use the article ‘the’, universities do not use an article (unless it’s a state university, then it uses the article). Coastlines generally use ‘the’, beaches do not. Pagodas and mosques use ‘the’, churches and temples (including pagan ones) do not. Rivers use ‘the’, waterfalls do not. Swamps use ‘the’, lakes do not. Bridges use an article, except Tower Bridge, streets do not use an article, except The High Street. Mountains do not use an article, except Matterhorn, canyons do not use an article, except the Grand Canyon. Archipelagos use an article, unless it’s a country or state (Hawaii), but there are exceptions to this exception: names of archipelagic countries that are plural (the Bahamas). Isn’t that wonderful?

(From a good tutorial on articles (http://englishpage.com/articles/index.htm), borrowed from fortunatus.lj.ru)

September 12 2016, 11:36

I cannot imagine a single Russian bank that would send back three hundred bucks to me because the bank no longer needs an additional guarantee of my solvency. I had given it to the bank in January as a security deposit. Of course, it’s my money, and I would have eventually taken it back, but why would the bank keep it not at my request, but on their own initiative? Only customer loyalty can answer that.