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become operational brief but concise Central Bank ECB Central Banks ESCB changeover circulation and withdraw Community conduct foreign exchange convergence criteria conversion rates countries which meet currencies by speculators ECB and ESCB economic and monetary economic convergence economic policies ecu basket EMU begins Euro area Euro coins Euro notes Europe European Central Bank European Commission European Monetary Institute European Monetary System European System European Union signed excessive deficit foreign reserves frame and implement Frankfurt-based GOVERNMENT DEBT government deficits gradually to put introduction irrevocably fixed January join the Euro latest Maastricht Madrid European Council Monetary Institute EMI monetary union national central banks national governments notes and coins operations in Euros participating countries pean POCKETS possible in 1998 practical terms pre-ins price stability put Euro reference ratio separate national currencies single currency single market single monetary policy System of Central Treaty on European uncertainty about interest unemployment withdraw national