1.   But he and other consultants say most companies in Europe lag behind on the software and training for the euro changeover.

2.   Price increases for everything from groceries and cosmetics to car washes and dry cleaning appear tied to the euro changeover.

3.   Statistically, economists say, the euro changeover was much less a culprit than bad weather and taxes.

4.   The euro changeover has been smoother and faster than even the most optimistic planners expected.

5.   The euro changeover appears to be going fairly smoothly, with most banks already finished with the job of stocking up on euros.

6.   UNITED NATIONS UNICEF SEEKS EURO WINDFALL Unicef hopes to cash in on the euro changeover by collecting soon-to-be-defunct foreign currency.

7.   EU officials heralded the regulation as a practical benefit of the euro changeover for tourists just as the summer vacation season begins.

8.   The euro changeover was approved by a majority in parliament.

9.   The unions accuse banks of bungling the euro changeover because they failed to hire extra workers to compensate for overworked tellers.

10.   Forecasts calling for stable prices in Europe underscore the slight impact of the euro changeover, he added.