Why do you have to pay more canadian dollars to get euros for your trip to europe than you receive in canadian dollars when you cash in euros on your return home?

Lance, a hacker, stole 15,000 credit card numbers and sold them on the black mar-ket, making millions. police caught lance, and two legal actions followed, one civil and one criminal. who will be responsible for bringing the civil case? what will be the outcome if the jury believes that lance was responsible for identity thefts? who will be responsible for bringing the criminal case? what will be the outcome if the jury believes that lance stole the numbers?