Thanks, Ian, for the development notes. Next Question: Why does the payment option work when I fill in this field: Valid Till: with 13/1/2001 AND Valid Till: with 1/13/2001 Does this field work? I had a receiver tell me that Zero-Value Bearer Payments Expire in 24 hours. If this is so, then can this field be used to extend this expiration? If not, why not? Thanks, Craig