21.  Consumers can use the old national currencies until the end of February in most countries, but stores and businesses are supposed to give all change in euros.

22.  Consumers increasingly will see dual pricing of goods and services in national currencies and euros.

23.  Differing national currencies today help mask the price variations between markets.

24.  During this interval, both the euro and national currencies will be in circulation.

25.  Ecuador is not the first country in Latin America to adopt the dollar as its national currency.

26.  European countries already pay relatively little attention to fluctuations in their national currencies vis-a-vis the dollar.

27.  European officials must set the rates at which national currencies will be converted into euros if a single currency is introduced on schedule in less than three years.

28.  Exchange rate risk will also persist in the initial period after the launch of EMU, when the euro will coexist with national currencies.

29.  Five years from now foreign banks will be able to open branches, doing business with ordinary Chinese in the national currency, the yuan.

30.  For Berchier and millions of other Europeans, the demise of a national currency represents more than just switching money.