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@SusanY1 @Darenl  I have to file the FBAR/FinCEN114 every year?!  Groan ... thanks for the heads-up as I wasn't aware of this U.S. Treasury Department requirement.  Now I know why Uber-Wealthy Americans renounce their US citizenship and take up permanent residency in Singapore.  Fun Fact - 5,315 Americans renounced their US citizenship in 2023.