the issue is largely an imagined one, go to Gorbushka, ask ANY of the guys, and 
they will do it on a "success" basis.  I had mine unlocked, know people who 
did, I am not aware of many unsuccessful attempts.

Just make sure you write down the number of your phone so you get YOURS back or 
just stand there and watch.

or, easier yet, go on youtube, and they will walk you through the process with 
videos.

:)

As to legality of unlocking, there is an issue of a contract that you sign, but 
it's mostly a moral issue, generally in the U.S. and Europe, the cell companies 
very heavily subsidize your phone to get you as a customer.  if you don't then 
become their customer, it IS kind of cheating.

However, if in Russia you are charged over 1000USD for an iPhone, it's very 
hard to see what subsidy you are receiving and what MORAL obligation you incur 
as a result.

Funny incident, went to Raiffaisen today and they gave me a hard time about 
withdrawing $15,000.  Trouble in paradise?  I know that VTB24 won't give more 
than 5,000 in SKV without prior notice, but good ol' Raiffaisen.  Yikes.
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