>Of course you can disagree, 

Vehemently!

>but you can complain about government regulations, not on banking system. You 
>can complain TO government, not to your bank.

Since when? I get more response from the bank than the government.

>It is convenient for application developers (and whole IT): they should 
>conform to the standard, no less, no more.

Since when are we in the business of making it convenient for IT?
If that is what we are here for, then we are in the wrong industry/business!
We are service providers for our company and our customers.
NOT for ourselves!
.
Questions?
Concerns?
(Screems of Outrage?)  

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