What is the best way to exchange your dollars for colones? Is it easiest just to use an ATM? If your bank card is on the Cirrus network, will that work in most places? Where are ATMs located - do they have them in the hotels? I know this has been discussed somewhere on the forum in the past, so I apologize for asking so many questions, but the forum search function doesn't work very well. Are there many occasions when you actually need colones? What did you use them for - souveniers or what? Is it better to tip the guides in US currency or colones? Thanks in advance for any help.