The biggest potential hole that I see in your app is a lack of leadership examples. You mention that you were a member of certain clubs/teams (and the swimming medals are great), but were you ever the elected/appointed leader of an organization? Did you ever start an organization? Your community service is good, but hopefully you can show good leadership experience.
Regarding your questions...
1) I can't really recommend schools based on your low verbal score. But, if you're trying to look at schools outside of the top ten that are strong in finance, consider Indiana, Rochester, NYU, or Carnegie Mellon.
2) We don't know the European market as well, esp. when it comes to second-tier schools. We mainly focus on the U.S. market. Sorry!
3) Yes, this should be the same thing. If you aren't able to translate your score percentage to a 4.0 scale, then just provide the percentage. Some people simply translate their % to a number on the 4.0 scale, but not all schools want you to do this. They understand that different countried have different systems.
4) ALways get a reco from your supervisor before anyone else, even if they're a previous boss. Their opinion will count the most!
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