I agree about the Memo key and where it fits or is it a security risk. I feel vulnerable with all the changes going on with the wallet security. If you read my blog the other day I was frustrated and angery enough to get what I could and get lost. I need some one line solutions and I could settle down and hash my way through it, until then the old hawgwild is on a short leave, (Doctors orders; don't get to stressed out).