OK, no biggy. This obviously ain't gonna get me rich or a cool Avatar even...just wondering out loud here. If one has let's say 100 Credits in Checking and one wanna xfer those to Savings...why in the wide world would one have to subtract 1 to complete the transaction? Oh, I understand the round up math...users shouldn't have to put up with that BS, that's all. You guys gone to sleep on me? We just don't care anymore?