OK, what if you avoided general holidays, but included/allowed national/regional bank holidays?  I think somewhere else you mentioned possibly watching for entrys falling on weekends and sliding them to a day when the bank is open when setting up reoccurring bills/income.  A national bank holiday should behave just the same.  You could allow the user to apply the auto slide(and then choose forward or backward depending on the specifics of the entry) or ignore the issue of weekends/holidays as part of the entry setup.  You could still rely on country “packs” for different countries/areas.  These could easily be provided by the users, or gathered from online sources.  The first “pack” would be “Weekends”.  Of course that assumes that all banks everywhere follow the weekday schedule for processing transactions.  I assume thats true, but I don’t know for sure.