Don't necessarily have the answers. While the bank exchange rate may be 1.12, you'd have to find somewhere to do that.

If the restsurant wants to charge 1.20 or still has their merchant processing programmed at that rate, then you are at their mercy for what they want to charge.

That said, if you got out of FBBC for under $46, that's amazing. <img src="http://www.traveltalkonline.com/forums/images/graemlins/jester.gif" alt="" />
When we spend the day there,it's an investment.