Thank you, @swissclive. Doing a fresh reread/rewrite, I see exactly what you are talking about and how I must really be experiencing sleep deprivation to have ranted like that... I don't know if I told you that I haven't been able to get more than 3 or 4 hours of sleep a night the last week or so now and I'm realizing it's taking a toll. I'll see what I can do here to tweak it good enough at least until tomorrow morning, drink a chamomile tea and hit the sack.

And man on the FATCA, you are so right, even if I mixed up the spelling on that too... :) I will certainly take that into consideration too, as I have dug deep into it from many angles over the last 4 years since it rolled out. It actually does tie into what I kind of tried to say above... and got a bit lost... LOL.