This looks like a homeless person to me and not someone waiting to access an ATM which should be open all the time anyway. Am I supposed to think he is waiting for the bank to open? Perhaps it's a cultural difference but I just don't get it. In terms of photographic interest there is potential for a nice human interest or photojournalistic shot but while there is a certain amount of irony in what appears to be a displaced person resting outside a financial institution, the static surroundings are just too uninteresting to be hogging all the visual weight from the main subject.
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