Brazil is now very experienced in dealing with international banks and loan syndicates. ... There is no telling what sort of rubbish the banks would try to put on the system if given a free hand, including using it as a substitute for sending ordinary letters. ... So, the type of message, as well as the format in which it can be sent, is defined. Although most banks are computerised, and most countries operate a giro- type clearance system, no two banks have the same internal methods.