In the UK I run an account for the sale of Mudcat Tee Shirts and patches in conjunction with Dick Greenhause. It works like this; Dick supplies the shirts,I sell the shirts or collect donations in UK pounds sterling and put the money into my account. Dick then pays Max in US Dollars, Dick then uses the money for record and CD buying in the UK. This cuts out any bank charges or fees for exchange and so mudcat gets all the money without any charges. Bill