diff --git a/floBank.html b/floBank.html
index 7b41db6..e79f869 100644
--- a/floBank.html
+++ b/floBank.html
@@ -9315,709 +9315,9 @@ Bitcoin.Util = {
         }).catch(error => console.error(error))
     }
 </script>
-
-<script id="floBank">
-    const floBank = {
-
-        util: {
-
-            refreshObjectData() {
-                return new Promise((resolve, reject) => {
-                    floCloudAPI.requestObjectData("bank")
-                        .then(results => resolve('Object Data Refreshed Successfully'))
-                        .catch(error => reject(error))
-                })
-            },
-
-            refreshRequests() {
-                return new Promise((resolve, reject) => {
-                    floCloudAPI.requestGeneralData("requests", {
-                            senderIDs: (floGlobals.subAdmins.includes(myFloID) ? undefined : myFloID)
-                        }).then(results => resolve('Requests refreshed Successfully'))
-                        .catch(error => reject(error))
-                })
-            },
-
-            refreshInbox() {
-                return new Promise((resolve, reject) => {
-                    floCloudAPI.requestGeneralData("directMessage", {
-                            receiverID: myFloID,
-                            senderIDs: (floGlobals.subAdmins.includes(myFloID) ? undefined : floGlobals
-                                .subAdmins)
-                        }).then(results => resolve('Inbox Refreshed Successfully'))
-                        .catch(error => reject(error))
-                })
-            },
-
-            parseRequests() {
-                let raw = floDapps.getNextGeneralData("requests", '0');
-                let requests = {};
-                raw.forEach(r => {
-                    requests[r.vectorClock] = {
-                        processID: r.vectorClock,
-                        requestor: r.sender,
-                        pubKey: r.pubKey,
-                        category: r.message.request,
-                        processor: floGlobals.appObjects.bank.process[r.vectorClock] || null,
-                        payMode: r.message.payMode,
-                        amount: r.message.amount,
-                        period: r.message.period,
-                        index: r.message.index,
-                        collateral: r.message.collateral,
-                        collateralType: r.message.collateralType,
-                    }
-                });
-                this.requests = requests;
-            },
-
-            refreshNetUnitValues() {
-                return new Promise((resolve, reject) => {
-
-                    if (typeof this.unitValues !== "object")
-                        this.unitValues = {
-                            deposit: 1
-                        };
-
-                    //fetch API call function
-                    const fetchValue = function (type) {
-                        return new Promise((res, rej) => {
-                            let c = floGlobals.collaterals[c]
-                            fetch(c.url).then(response => {
-                                if (response.ok) {
-                                    response.json().then(data => {
-                                        let value;
-                                        if (!c.path)
-                                            value = data;
-                                        else if (Array.isArray(c.path)) {
-                                            value = data;
-                                            for (p of path)
-                                                value = value[p];
-                                        } else
-                                            value = data[path];
-                                        if (c.multiplier)
-                                            value *= c.multiplier;
-                                        this.unitValues[type] = value;
-                                        resolve({
-                                            [type]: value
-                                        })
-                                    });
-                                } else
-                                    throw Error("Response Not Valid")
-                            }).catch(error => {
-                                this.unitValues[type] = NaN;
-                                resolve({
-                                    [type]: error
-                                })
-                            })
-                        })
-                    }
-
-                    let promises = [];
-                    for (let c in floGlobals.collaterals)
-                        promises.push(fetchValue(c))
-                    Promise.all(promises)
-                        .then(results => resolve(Object.assign({}, ...results)))
-                        .catch(error => reject(error))
-                })
-            },
-        },
-
-        refreshAppData() {
-            return new Promise((resolve, reject) => {
-                Promise.all([this.util.refreshObjectData(), this.util.refreshRequests(), this.util
-                        .refreshInbox(), this.util.refreshNetUnitValues()
-                    ])
-                    .then(results => {
-                        this.util.parseRequests();
-                        resolve(results);
-                    }).catch(error => reject(error))
-            })
-        },
-
-        viewInbox() {
-            let inbox = floDapps.getNextGeneralData("directMessage", '0', {decrypt: true});
-            return inbox;
-        },
-
-        sendDirectMessage(message, receiver, receiverPubKey = null) {
-            return new Promise((resolve, reject) => {
-                if (receiverPubKey && floCrypto.getFloIDfromPubkeyHex(receiverPubKey) != receiver) 
-                        return reject("receiver Public-key mismatch")
-                floCloudAPI.sendGeneralData(message, "directMessage", {
-                        receiverID: receiver,
-                        encrypt: receiverPubKey
-                    })
-                    .then(result => resolve(result))
-                    .catch(error => reject(error))
-            })
-        },
-
-        viewAccount(floID) {
-            let deposits = floGlobals.appObjects.bank["deposits"][floID];
-            let loans = floGlobals.appObjects.bank["loans"][floID];
-            let collaterals = floGlobals.appObjects.bank["collaterals"][floID];
-            return {
-                deposits,
-                loans,
-                collaterals
-            };
-        },
-
-        viewCollateralTypes() {
-            return Object.keys(floGlobals.collaterals)
-        },
-
-        viewRequests(processID = null) {
-            if (!processID)
-                return this.util.requests;
-            else if (Array.isArray(processID)) {
-                let result = {}
-                for (let p of processID)
-                    result[p] = this.util.requests[p];
-                return result
-            } else
-                return this.util.requests[processID]
-        },
-
-        openDeposit_1(amount, period, payMode) {
-            return new Promise((resolve, reject) => {
-                let message = {
-                    request: "openDeposit",
-                    amount: amount,
-                    period: period,
-                    payMode: payMode
-                }
-                floCloudAPI.sendGeneralData(message, "requests")
-                    .then(results => resolve("Open Deposit request sent"))
-                    .catch(error => reject(error))
-            })
-        },
-
-        openDeposit_2(processID, accountDetails) {
-            return new Promise((resolve, reject) => {
-                let r = this.util.requests[processID];
-                debugger;
-                this.banker.processRequest(processID).then(result => {
-                    debugger;
-                    this.sendDirectMessage({
-                            processID,
-                            accountDetails
-                        }, r.requestor, r.pubKey)
-                        .then(results => resolve(
-                            "Deposit process Initiated: Requested deposit amount from client"))
-                        .catch(error => reject(error))
-                }).catch(error => reject(error))
-            })
-        },
-
-        openDeposit_3(processID, paymentRef, bankerFloID, bankerPubKey) {
-            return new Promise((resolve, reject) => {
-                this.sendDirectMessage({
-                        processID,
-                        paymentRef
-                    }, bankerFloID, bankerPubKey)
-                    .then(results => resolve("Deposit paymentRef sent to banker"))
-                    .catch(error => reject(error))
-            })
-        },
-
-        openDeposit_4(processID, interest, paymentRefID) {
-            return new Promise((resolve, reject) => {
-                let r = this.util.requests[processID];
-                this.banker.openNewDeposit(r.requestor, r.amount, r.period, interest, paymentRefID)
-                    .then(result => {
-                        this.sendDirectMessage({
-                                processID,
-                                status: "New Deposit Opened"
-                            }, r.requestor, r.pubKey)
-                            .then(result => resolve("New Deposit opened successfully"))
-                            .catch(error => reject(error))
-                    }).catch(error => reject(error))
-            })
-        },
-
-        closeDeposit_1(index, payMode) {
-            return new Promise((resolve, reject) => {
-                let message = {
-                    request: "closeDeposit",
-                    index: index,
-                    payMode: payMode
-                }
-                floCloudAPI.sendGeneralData(message, "requests")
-                    .then(result => resolve("Close deposit request sent"))
-                    .catch(error => reject(error))
-            })
-        },
-
-        closeDeposit_2(processID) {
-            return new Promise((resolve, reject) => {
-                let r = this.util.requests[processID];
-                this.banker.processRequest(processID).then(result => {
-                    this.sendDirectMessage({
-                            processID,
-                            request: "paymentAccount"
-                        }, r.requestor, r.pubKey)
-                        .then(results => resolve(
-                            "closeDeposit process Initiated: Requested account details from client"
-                        ))
-                        .catch(error => reject(error))
-                }).catch(error => reject(error))
-            })
-        },
-
-        closeDeposit_3(processID, accountDetails, bankerFloID, bankerPubKey) {
-            return new Promise((resolve, reject) => {
-                this.sendDirectMessage({
-                        processID,
-                        accountDetails
-                    }, bankerFloID, bankerPubKey)
-                    .then(results => resolve("Account details sent to banker"))
-                    .catch(error => reject(error))
-            })
-        },
-
-        closeDeposit_4(processID, paymentRef) {
-            return new Promise((resolve, reject) => {
-                let r = this.util.requests[processID];
-                this.banker.closeDeposit(r.requestor, r.index, paymentRef).then(result => {
-                    this.sendDirectMessage({
-                            processID,
-                            text: "Deposit closed"
-                        }, r.requestor, r.pubKey)
-                        .then(result => resolve("New Deposit opened successfully"))
-                        .catch(error => reject(error))
-                }).catch(error => reject(error))
-            })
-        },
-
-        openLoan_1(amount, period, collateral, payMode) {
-            let message = {
-                request: "openLoan",
-                amount: amount,
-                period: period,
-                collateral: collateral,
-                payMode: payMode
-            }
-            return floCloudAPI.sendGeneralData(message, "requests")
-        },
-
-        openLoan_2(processID) {
-            return new Promise((resolve, reject) => {
-                let r = this.util.requests[processID];
-                this.banker.processRequest(processID).then(result => {
-                    this.util.checkCollateralEligibility(r.requestor, r.collateral, r.amount).then(
-                        result => {
-                            this.sendDirectMessage({
-                                    processID,
-                                    request: "paymentAccount"
-                                }, r.requestor, r.pubKey)
-                                .then(results => resolve(
-                                    "openLoan process Initiated: Requested account details from client"
-                                ))
-                                .catch(error => reject(error))
-                        }).catch(error => {
-                        this.sendDirectMessage({
-                                processID,
-                                text: `Loan not sanctioned: ${error}`
-                            }, r.requestor, r.pubKey)
-                            .then(results => resolve(`openLoan rejected: ${error}`))
-                            .catch(error => reject(error))
-                    })
-                }).catch(error => reject(error))
-            })
-        },
-
-        openLoan_3(processID, accountDetails, bankerFloID, bankerPubKey) {
-            return new Promise((resolve, reject) => {
-                this.sendDirectMessage({
-                        processID,
-                        accountDetails
-                    }, bankerFloID, bankerPubKey)
-                    .then(results => resolve("Account details sent to banker"))
-                    .catch(error => reject(error))
-            })
-        },
-
-        openLoan_4(processID, interest, paymentRef) {
-            return new Promise((resolve, reject) => {
-                let r = this.util.requests[processID];
-                this.banker.openNewLoan(r.requestor, r.amount, r.period, interest, r.collateral, paymentRef)
-                    .then(result => {
-                        this.sendDirectMessage({
-                                processID,
-                                text: "Loan opened"
-                            }, r.requestor, r.pubKey)
-                            .then(result => resolve("New Deposit opened successfully"))
-                            .catch(error => reject(error))
-                    }).catch(error => reject(error))
-            })
-        },
-
-        closeLoan_1(index, payMode) {
-            return new Promise((resolve, reject) => {
-                let message = {
-                    request: "closeLoan",
-                    index: index,
-                    payMode: payMode
-                }
-                floCloudAPI.sendGeneralData(message, "requests")
-                    .then(result => resolve("Close loan request sent"))
-                    .catch(error => reject(error))
-            })
-        },
-
-        closeLoan_2(processID, accountDetails) {
-            return new Promise((resolve, reject) => {
-                let r = this.util.requests[processID];
-                this.banker.processRequest(processID).then(result => {
-                    this.sendDirectMessage({
-                            processID,
-                            accountDetails
-                        }, r.requestor, r.pubKey)
-                        .then(results => resolve(
-                            "closeLoan process Initiated: Requested loan repay from client"))
-                        .catch(error => reject(error))
-                }).catch(error => reject(error))
-            })
-        },
-
-        closeLoan_3(processID, paymentRef, bankerFloID, bankerPubKey) {
-            return new Promise((resolve, reject) => {
-                this.sendDirectMessage({
-                        processID,
-                        paymentRef
-                    }, bankerFloID, bankerPubKey)
-                    .then(results => resolve("Loan repay paymentRef sent to banker"))
-                    .catch(error => reject(error))
-            })
-        },
-
-        closeLoan_4(processID, paymentRef) {
-            return new Promise((resolve, reject) => {
-                let r = this.util.requests[processID];
-                this.banker.closeLoan(r.requestor, r.index, paymentRef).then(result => {
-                    this.sendDirectMessage({
-                            processID,
-                            text: "Deposit closed"
-                        }, r.requestor, r.pubKey)
-                        .then(result => resolve("New Deposit opened successfully"))
-                        .catch(error => reject(error))
-                }).catch(error => reject(error))
-            })
-        },
-
-        buyCollateral_1(amount, collateralType, payMode) {
-            return new Promise((resolve, reject) => {
-                let message = {
-                    request: "buyCollateral",
-                    amount: amount,
-                    collateralType: collateralType,
-                    payMode: payMode
-                }
-                floCloudAPI.sendGeneralData(message, "requests")
-                    .then(result => resolve("Buy collateral request sent"))
-                    .catch(error => reject(error))
-            })
-        },
-
-        buyCollateral_2(processID, accountDetails) {
-            return new Promise((resolve, reject) => {
-                let r = this.util.requests[processID];
-                this.banker.processRequest(processID).then(result => {
-                    this.sendDirectMessage({
-                            processID,
-                            accountDetails
-                        }, r.requestor, r.pubKey)
-                        .then(results => resolve(
-                            "buyCollateral process Initiated: Requested amount from client"))
-                        .catch(error => reject(error))
-                }).catch(error => reject(error))
-            })
-        },
-
-        buyCollateral_3(processID, paymentRef, bankerFloID, bankerPubKey) {
-            return new Promise((resolve, reject) => {
-                this.sendDirectMessage({
-                        processID,
-                        paymentRef
-                    }, bankerFloID, bankerPubKey)
-                    .then(results => resolve("Collateral amount paymentRef sent to banker"))
-                    .catch(error => reject(error))
-            })
-        },
-
-        buyCollateral_4(processID, paymentRefID, units, details, comment) {
-            return new Promise((resolve, reject) => {
-                let r = this.util.requests[processID];
-                this.banker.openCollateral(r.requestor, paymentRefID, r.collateralType, units, details,
-                        comment)
-                    .then(result => {
-                        this.sendDirectMessage({
-                                processID,
-                                status: "Collateral brought"
-                            }, r.requestor, r.pubKey)
-                            .then(result => resolve("New Collateral brought successfully"))
-                            .catch(error => reject(error))
-                    }).catch(error => reject(error))
-            })
-        },
-
-        sellCollateral_1(index, payMode) {
-            return new Promise((resolve, reject) => {
-                let message = {
-                    request: "sellCollateral",
-                    index: index,
-                    payMode: payMode
-                }
-                floCloudAPI.sendGeneralData(message, "requests")
-                    .then(result => resolve("Sell Collateral request sent"))
-                    .catch(error => reject(error))
-            })
-        },
-
-        sellCollateral_2(processID) {
-            return new Promise((resolve, reject) => {
-                let r = this.util.requests[processID];
-                this.banker.processRequest(processID).then(result => {
-                    this.sendDirectMessage({
-                            processID,
-                            request: "paymentAccount"
-                        }, r.requestor, r.pubKey)
-                        .then(results => resolve(
-                            "sellCollateral process Initiated: Requested account details from client"
-                        ))
-                        .catch(error => reject(error))
-                }).catch(error => reject(error))
-            })
-        },
-
-        sellCollateral_3(processID, accountDetails, bankerFloID, bankerPubKey) {
-            return new Promise((resolve, reject) => {
-                this.sendDirectMessage({
-                        processID,
-                        accountDetails
-                    }, bankerFloID, bankerPubKey)
-                    .then(results => resolve("Account details sent to banker"))
-                    .catch(error => reject(error))
-            })
-        },
-
-        sellCollateral_4(processID, paymentRef) {
-            return new Promise((resolve, reject) => {
-                let r = this.util.requests[processID];
-                this.banker.closeCollateral(r.requestor, r.index, paymentRef).then(result => {
-                    this.sendDirectMessage({
-                            processID,
-                            text: "Collateral sold"
-                        }, r.requestor, r.pubKey)
-                        .then(result => resolve("New Deposit opened successfully"))
-                        .catch(error => reject(error))
-                }).catch(error => reject(error))
-            })
-        },
-
-        checkCollateralEligibility(floID, collateralIndex, loanAmount) {
-            return new Promise((resolve, reject) => {
-                let col;
-                try {
-                    col = floGlobals.appObjects["collaterals"][floID][collateralIndex];
-                } catch (error) {
-                    return reject("Account doesnot own any collateral")
-                }
-                if (!col)
-                    return reject("Collateral Not Found!")
-                else if (col.status !== "ACTIVE")
-                    return reject(`Collateral is not Active! (current status: ${col.status})`)
-                else if (col.loanRefs && col.loanRefs.length) {
-                    let loans = col.loanRefs.map(i => floGlobals.appObjects.bank["loans"][floID][
-                        i
-                    ])
-                    let totalLoanAmt = 0
-                    loans.forEach(l => totalLoanAmt += l.amount)
-                    let netVal = this.util.unitValues[col.type];
-                    let loanThreshold = floGlobals.settings["loanRatio"] * col.units * netVal;
-                    if (totalLoanAmt >= loanThreshold)
-                        return reject("Collateral threshold already exceeded")
-                    let tmpAmt = loanAmount + totalLoanAmt;
-                    if (tmpAmt >= loanThreshold)
-                        return reject("Collateral doesnot have enough NET value")
-                    resolve("Collateral eligible for loan")
-                } else
-                    resolve("Collateral eligible for loan")
-            })
-        },
-
-
-        isCollateralOverflow(floID, index) {
-            if (!col.loanRefs.length)
-                return false
-            let col = floGlobals.appObjects["collaterals"][floID][index];
-            let loanThreshold = floGlobals.settings["loanRatio"] * col.units * this.util.unitValues[col.type];
-            let loans = col.loanRefs.map(i => floGlobals.appObjects.bank["loans"][floID][i])
-            let totalLoanAmt = 0;
-            loans.forEach(l => totalLoanAmt += l.amount)
-            if (totalLoanAmt >= loanThreshold)
-                return true;
-            else
-                return false;
-        },
-
-        viewCollateralOverflows(floIDs = null) {
-            if (!floIDs)
-                floIDs = Object.keys(floGlobals.appObjects["collaterals"])
-            else if (floCrypto.validateAddr(floIDs))
-                floIDs = [floIDs]
-            else if (!Array.isArray(floIDs))
-                throw Error("Invalid parameters: Parameters must be floID or array of floIDs");
-            let overflows = {}
-            floIDs.forEach(f => {
-                if (f in floGlobals.appObjects["collaterals"]) {
-                    overflows[f] = []
-                    for (let i in floGlobals.appObjects["collaterals"][f]) {
-                        if (this.isCollateralOverflow(f, i))
-                            overflows[f].push(floGlobals.appObjects["collaterals"][f][i])
-                    }
-                    if (!overflows[f].length)
-                        delete overflows[f]
-                }
-            })
-            return overflows;
-        },
-
-        //Banker only functions (subAdmins only)
-        banker: {
-
-            processRequest(processID) {
-                return new Promise((resolve, reject) => {
-                    floCloudAPI.requestObjectData("bank").then(result => {
-                        if (processID in floGlobals.appObjects.bank["process"])
-                            reject("Request already in process")
-                        else {
-                            floGlobals.appObjects.bank["process"][processID] = myFloID
-                            floCloudAPI.updateObjectData("bank")
-                                .then(result => resolve(result))
-                                .catch(error => reject(error))
-                        }
-                    })
-                })
-            },
-
-            openNewDeposit(floID, amount, period, interest, paymentRefID) {
-                let depositDetails = {
-                    amount: amount,
-                    period: period,
-                    interest: interest,
-                    opening: {
-                        paymentRefID: paymentRefID,
-                        timestamp: Date.now()
-                    },
-                    closing: {
-                        paymentRefID: null,
-                        timestamp: null
-                    },
-                    status: "ACTIVE"
-                }
-                if (!Array.isArray(floGlobals.appObjects.bank["deposits"][floID]))
-                    floGlobals.appObjects.bank["deposits"][floID] = []
-                floGlobals.appObjects.bank["deposits"][floID].push(depositDetails)
-                return floCloudAPI.updateObjectData("bank")
-            },
-
-            closeDeposit(floID, index, paymentRefID) {
-                floGlobals.appObjects.bank["deposits"][floID][index].closing.paymentRefID = paymentRefID;
-                floGlobals.appObjects.bank["deposits"][floID][index].closing.timestamp = Date.now();
-                floGlobals.appObjects.bank["deposits"][floID][index].status = "CLOSED";
-                return floCloudAPI.updateObjectData("bank")
-            },
-
-            openNewLoan(floID, amount, period, interest, collateralIndex, paymentRefID) {
-                let loanDetails = {
-                    amount: amount,
-                    period: period,
-                    interest: interest,
-                    opening: {
-                        paymentRefID: paymentRefID,
-                        timestamp: Date.now()
-                    },
-                    collateral: collateralIndex,
-                    closing: {
-                        paymentRefID: null,
-                        timestamp: null
-                    },
-                    status: "ACTIVE"
-                }
-                if (!Array.isArray(floGlobals.appObjects.bank["loans"][floID]))
-                    floGlobals.appObjects.bank["loans"][floID] = []
-                floGlobals.appObjects.bank["loans"][floID].push(loanDetails)
-                return floCloudAPI.updateObjectData("bank")
-            },
-
-            closeLoan(floID, index, paymentRefID) {
-                floGlobals.appObjects.bank["loans"][floID][index].closing.paymentRefID = paymentRefID;
-                floGlobals.appObjects.bank["loans"][floID][index].closing.timestamp = Date.now();
-                floGlobals.appObjects.bank["loans"][floID][index].status = "CLOSED";
-                return floCloudAPI.updateObjectData("bank")
-            },
-
-            openCollateral(floID, paymentRefID, type, units, details, comment) {
-                let newCollateral = {
-                    type: type,
-                    units: units,
-                    details: details,
-                    opening: {
-                        paymentRefID: paymentRefID,
-                        timestamp: Date.now()
-                    },
-                    closing: {
-                        paymentRefID: null,
-                        timestamp: null
-                    },
-                    status: "ACTIVE",
-                    loanRefs: [],
-                    comment: comment
-                }
-                if (!Array.isArray(floGlobals.appObjects.bank["collaterals"][floID]))
-                    floGlobals.appObjects.bank["collaterals"][floID] = []
-                floGlobals.appObjects.bank["collaterals"][floID].push(depositDetails)
-                return floCloudAPI.updateObjectData("bank")
-            },
-
-            setCollateralStatus(floID, index, status) {
-                //status values = "ACTIVE" | "LOCKED"
-                floGlobals.appObjects.bank["collaterals"][floID][index].status = status;
-                return floCloudAPI.updateObjectData("bank")
-            },
-
-            closeCollateral(floID, index, paymentRef) {
-                floGlobals.appObjects.bank["collaterals"][floID][index].closing.paymentRefID = paymentRefID;
-                floGlobals.appObjects.bank["collaterals"][floID][index].closing.timestamp = Date.now();
-                floGlobals.appObjects.bank["collaterals"][floID][index].status = "CLOSED";
-                return floCloudAPI.updateObjectData("bank")
-            }
-        },
-
-        manageCollateralList(adminPrivKey, addCollateral, removeCollateral) {
-            return new Promise((resolve, reject) => {
-                if (!Object.keys(addCollateral).length) addCollateral = undefined;
-                if (!Object.keys(removeCollateral).length) removeCollateral = undefined;
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-                    .catch(error => reject(error))
-            })
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