well after about 2 hrs in the Phitsanulok emigration office, phone calls and messages she finally agreed with your comment, I thought the same until my phone conversation with her yesterday. Than an other stop to my visa, had a joint account and we had to go to 5 different banks to find one that would open an account for me, I had to change my account about 18 months ago, not allowed by Kasikorn to have it only in my name. now with GSB