That's what I was hoping that the IRS can tell the difference it gets picked up on the 1041 and most importantly no future IRS letters to annoy the family as they already have enough to deal with.

I pretty much agree with your view of the banking system, and this is a broker and a bank under 1 umbrella as most of the larger institutions are now. No branches no sales person no offices just call centers where they keep transferring you until you give up or eventually get to a person who will say sorry but we will not do that. Unfortunately its not the future of banking its already the present