Stephen – Dinar Guru Imagine you have a million Iraqi dinar [And the exchange rate is 1 to 1] and Chase bank is charging a 7% fee to exchange that currency, what if you can negotiate that down to 5%? Instead of paying $70,000…now it’s $20,000…I believe you’re going to be able to negotiate those rates down to zero depending on how much Iraqi dinar you have. The more dinar you have, the more leverage you have, the more negotiating power…to get those fees reduced from 5% to 3% or 7% to 4%..