Money Exchange (N^5)



Question:
A person wants to change some Singapore Dollars to US Dollars.
He asks three of his friends for advice on how he should do it.

Friend X: If you want to get more US Dollars, then you should change Singapore Dollars to another currency first, then from this currency to US Dollar.
Friend Y: No, I disagree. You will get more when you change Singapore Dollars to US Dollars directly.
Friend Z: I think it doesn't matter which method you use. Both methods will give you the same amount of US Dollars eventually.

Amount:

From:

To:

=

As of Apr 06, 2025


What do you think?
Who do you agree with?
Can you give examples to support your argument?