Don't Bank On It: Post Script

Last night we finally became the proud owners of bank account number 083...(please ask for details if you would like to make a contribution).
Paveena's attitude changed completely when she realised we would be requiring a mortgage. With startling efficiency, Sam, the mortgage man, was brought in to see us with much bowing and scraping.
So what I have learnt from this is:
1. Banks don't actually want your money - they just want to lend you theirs.
2. If you want to open a U.S. bank account, wait for your social security number.