With those calculations if bank is giving you .88 us to 1 can it works out to only 40j ahead to buy us and than convert to j's. Altough when I went a few weeks ago I bought $1000us at my bank and converted that with china man down town, and used atm for rest. Used CIBC ATM's every few days. Could always get 30,000j, never line up, always full of money, always working.