step 2 : the buyer applies to his bank for a letter of credit, by signing the bank’s letter of credit application/agreement form. i love to hear new ideas, even if i do not always agree with them. you are a matter of life and death sitting, shocking and kneading the life out of me for no damn reason. i am jealous and so is my missus. but with news of a few fun games coming soon, and knowing the warm weather should return soon, i try to remain hopeful for the future. what random goals do other people have?? 