Uh, too late to edit my comment above, but I meant to say, "If you start a new bank, you CAN'T just make up your own Issuer Identification Number and expect to

Uh, too late to edit my comment above, but I meant to say, "If you start a new bank, you CAN'T just make up your own Issuer Identification Number and expect to interoperate with the rest of the financial industry."