>What's the right name to use for the Banker? I've been using "Nick", >after Nick Leeson; any other suggestions? Thats Lessen, not Leeson. As in "I will lessen the amount of money you have on deposit". Actually you should have names beginning with I and A for Issuer and Aquirer.. But that messes up Alice. I think that the bankers name should be Ethel however. Phill