Despite the fact that I would like it to automatically skip banking holidays, is the system going to be smart enough to keep track of those holidays for various countries depending on the user’s whereabouts?  I’m in the U.S. but there might be banking holidays that we have here which don’t coincide with some in Canada for instance, or vice versa… and what about other nations too?  Not sure how far in-depth that should go.  Perhaps you could ask us to indicate which country we are in and then track the banking holidays for the countries lived in by the majority of CalendarBudget users … if we are in one of those majority/common countries, then the holidays would be automatically populated … otherwise perhaps it could ask the user to input the dates manually.  What are your thoughts on this issue?