I hear ya'all loud and clear about the A.T.M! We did have a card one time, a looooong time ago that I cut up, because we never used it. I will check with the bank in the morning to see if anything is possible, but if not, sounds like we should use the banks there to exchange. Thanks to all of you for the responses! We travel a lot domestically but this is our first trip to Europe and the answers to questions posted on F/T has been a great help.