Dear Jos, JK> So what do you think about this? I think it's not really that much of a threat, but it's a threat and they don't follow the policies set forward by the government of Luxembourg. JK> Has anyone any experience with banks? Specificaly Luxembourg, yes. There is a govermental branch you should contact in case you have spotted irregularities - CSSF - http://www.cssf.lu -- http://secdev.zoller.lu Thierry Zoller Fingerprint : 5D84 BFDC CD36 A951 2C45 2E57 28B3 75DD 0AC6 F1C7