After a slight hesitation about not using my bank, I would like to thank HiFX very much for all your help. It’s all a far cry from trying to deal with my bank, who after a 5 minute game of musical phone numbers and an inquisition, finally put us through to the foreign exchange department. I’m then told by a person who’s on his lunch break from junior school, that I have 30 seconds to make up my mind on an exchange rate that will lose me money compared to HiFX's! E.J. Richards.