I appreciate your point and don&#x27;t disagree.<p>I guess I&#x27;m just saying that even though I have a record of every payment made to my children, clearly showing the legitimate destination accounts, and there is no other activity they queried, <i>and</i> I explained everything in writing to the bank, they <i>still</i> chose to classify my account as an MSB.<p>It reminds me of how the Inquisition types used to &quot;prove&quot; a woman was a witch: put her in a ducking stool and throw her in a lake. If she floats, she&#x27;s a witch, so burn her at the stake. If she sinks and drowns, she&#x27;s innocent, but she&#x27;ll go to heaven, so it&#x27;s all ok. Either way she&#x27;s fucked. That&#x27;s kind of how I feel: the more you prove your innocence, the more guilty you are.<p>I suppose I&#x27;m making a fuss to make a statement about our steadily eroding freedoms, and the gradual onset of totalitarianism in the USA, all in the name of protecting we, the people. (I shouldn&#x27;t complain, though; I could still be living in South Africa.)