SH> Although I speak Dutch, my sense is that most Dutchmen speak English.
 SH> Swedish might be another matter.:-)

Perhaps the ones you meet but in a little shop in the countyside they don't.
Not even in Denmark they speek English as good as we Sweeds do.
Recently a research was published and the Sweeds was the best in Europe,
just before the FInns, to speek English except for the Englishmen.

 SH> As for automated tellers (ABM or ATM) machines, they work well -- in 1995
 SH> I was able to get funds from my Canadian account in the Netherlands or
 SH> Belgium.  However, I normally use my VISA so that I don't accumulate a
 SH> foreign country's cash.

Do you have two different cards? One fore automatic tellers and one VISA?
I only have a Master Card that works in all machines all over Europe.

//Bj”rn

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