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Pay in the local currency and perhaps see if you have a credit card that doesn't charge ForEx fees which are about 3%. If you pay in dollars, they often mark it up 5% +. At Heathrow's Duty Free they will ask what currency you want to pay in, I remember the mark up to be quite high compared to what the fees would be.
Lastly, tell her not to get 20 Euros at a time since you a pay an ATM fee each time. My cousin learned that the hard way.
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Neil
'73 911S targa
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