Glad you're set Bernie! Just to clarify what your bank "meant" when they said "up to midnight". There are several "Fed Windows" throughout the day, and if your bank is of any size, it probably won't wait until midnight. When literally 100s of billions are passing through the system, a few hours (of interest) means most large banks "clear" several times a day. Missing a "window" can earn/lose a large bank more than the annual cumultive earnings of everyone of us here on Pelican...we're talking BIG $$$
. "Bulletproof"...sleep well!