[start quote, since there seems to be no button to automatically quote, at least not in Opera.... nor a preview button] > With biggies and for enterprises who need to have accounts separately for every purpose like 'Expense', 'Payroll' etc and for each department, this might befit. But for guys like me who just maintain about the Monthly Minimum Balance and rarely when there is some fund, just thinking of saving for the rainy day to put it into a Fixed Deposit and with a specific clause in Term Deposit like 'Credit Interest to Savings Account' and all other KYC (Know Your Custoemr) guidelines as applicable from the savings account, I think this would be like a laughing stock. Isn't it? [end quote...] I think it would be a real laughing stock to have a different database/system design for "biggies" and "small" customers. Don't you think so? If they have to implement the more general and complex design for some customers, then it makes sense that they would use it for all customers. To maintain two totally different systems would be a total disaster and a waste of effort. OisÃn