At CW, in the morning I just online transfer the previous year's interest from the Krunsri Mai Thai Dee account to another account, which rounds it down to 999,999.99. I then update the book, go in and request the letter, and take the book down to get to the copy shop for the copies. The letter is ready by the time I get back from the copy shop. Easy peasey and the "lucky" balance always gets a smile.