We are talking apples and ranges here folks - The 1st thing they had to do was get authorization from the Panamanian government to even do the PDR exchange. Don't confuse "phrases" that suggest that certain facets of the process are complete, to imply that all "phases" are finished. Done with the legal issues, done with the software, and done with the beta testing are three different things. Rome wasn't built in a day, and as more than one person has stated here today, this is totally new territory. "We have successfully invented the wheel" doesn't mean that they have figured out how to mount it on ball bearings and affix it to an axle...yet. Did someone say 'patience'. Good idea!