'overachiever' A lot of rules actually fall under the Federal Reserve System in the CFR. Most are totally oblivious to this fact. <a href="http://edocket.access.gpo.gov/cfr_2005/janqtr/pdf/12cfr220.11.pdf" target="_blank">http://edocket.access.gpo.gov/cfr_2005/janqtr/pdf/12cfr220.11.pdf</a> Derb