I agree with you that there are higher-level issues with financial services, and the iflex project looks like its trying to tackle some of these, which is great

I agree with you that there are higher-level issues with financial services, and the iflex project looks like its trying to tackle some of these, which is great! The CSV was not an attempt at band-aiding the issues that exist while trying to calculate settlement dates or predict deposit times. The goal was to aid a developer who might need these dates for use in their application, financial or not.