Back in 1991 when k went the first time, the rate was 8:1, but we tr aded money at the craft market for 14:1.. Not sure of legallity, but it made our money go allot further.. It was sooo long before i returned. I soon realized things had changed, especially the rate.. In 91, they didnt cheat us. But i got burnt for a small amount in negril 2 yrs ago on the street.. Never again.