> It sometimes seems that you have to have lived with both > systems to be able > to appreciate the differences. One reason may be that it > needs some digging > until you see "into" the banking systems, because they are > not many places > where they are comprehensively but easily understandably explained. Like the VAT versus sales-tax difference: when you live in a country where a particular system has been dominant since you were born it is difficult to even realise that other situations can exits, let alone what you should tell about your situation to explain it to someone else! Wouter van Ooijen -- ------------------------------------------- Van Ooijen Technische Informatica: www.voti.nl consultancy, development, PICmicro products docent Hogeschool van Utrecht: www.voti.nl/hvu -- http://www.piclist.com PIC/SX FAQ & list archive View/change your membership options at http://mailman.mit.edu/mailman/listinfo/piclist