@Max ************
In the USA, money goes from my institution to Community Federal Bank when I tra sfer to WISE. That is where WISE holds it. Last I checked, Community Federal Bank is a.....bank. IT may go to other places in different countries, but in the USA it goes to a bank and a bank is what DTV requires. As far as not being the smartest, you need to work on your own game bud, enough there to keep you busy.