Re: The remaining £93,540.99...
Re the 10% on exchange rate. It can be higher than that. If you watch the exchange rate markets the variation of 'exchange rate' (volatility) is a factor on the % markup 'tourist rate' you tend to pay. If the pound is steadyish for a while the markup drops quite low so the money costs you not much more than the market rate. If the rate varies a lot then the supplier can be hit buying the money for you after you have paid for it so, like any well managed supply chain, the spot price is a lot higher than the market price. There's even good maths/stats to support it.