Character substitution

Hello,

i looked at the FAQ and i found the solution to replace characters. But the variable text is empty resp. match="text()"
and then the . returns nothing.
How can i substitute the $ character?

Thanks and best regards
Sven

my xsl:
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<xsl:template match="text()">
   <xsl:call-template name="change" >
	<xsl:with-param name="text" select="."/>
   </xsl:call-template>
</xsl:template>

<xsl:template name="change">
   <xsl:param name="text"/>
	<xsl:value-of select="$text"/>
	<xsl:choose>
		<xsl:when test="contains($text, '$')">
			<xsl:value-of select="substring-before($text, '$')"/>
	      		&#8364;
		   	<xsl:call-template name="change">
			    <xsl:with-param name="text" select="substring-after($text,'$')"/>
			</xsl:call-template>
		</xsl:when>
		<xsl:otherwise>
			<xsl:value-of select="$text"/>
		</xsl:otherwise>
	</xsl:choose>
</xsl:template>

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my xml:
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<?xml version="1.0" encoding="ISO-8859-15"?>
<test>
    <header>
        <creation date="2005-01-10" timestamp="1105349670236" user="sven" login="sven" />
    </header>
    <test-t id="35" >
	<numbering>1</numbering>
	<name><![CDATA[TT$]]></name>
	<path><![CDATA[/TT$]]></path>
    </test-t>	
</test>
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