What's the exchange rate for euros? https://www.voorepuhkekeskus.ee/eomedllccom-79a2.pdf#estimate medac.jp  "We ran focus groups in particular with small and medium sized enterprises to try and judge what they considered key elements of quality in judging a pension scheme and we found they prioritise things like ease of administration and payroll, and communications with members, which we would necessarily judge to be key elements of quality. We would expect that investment strategy and administration overall would be where you'd look first," Smith added.