```ruby
bank = EuCentralBank.new

if !Rails.env.test?
  cf = Rails.root.join('tmp', 'cache', 'eu_bank_rates.xml')
  bank.save_rates(cf)
  bank.update_rates(cf)

  if !bank.rates_updated_at || bank.rates_updated_at < (Time.now - 1.days)
    bank.save_rates(cf)
    bank.update_rates(cf)
  end
end

Money.default_bank = bank
```

Make the exchange rate cache dir
user
```ruby
bank = EuCentralBank.new

if !Rails.env.test?
  Dir.mkdir(Rails.root.join('tmp', 'cache'))
  cf = Rails.root.join('tmp', 'cache', 'eu_bank_rates.xml')
  bank.save_rates(cf)
  bank.update_rates(cf)

  if !bank.rates_updated_at || bank.rates_updated_at < (Time.now - 1.days)
    bank.save_rates(cf)
    bank.update_rates(cf)
  end
end

Money.default_bank = bank
```
assistant