Another optimization candidate - Financial Account

["David RR Webber \(XML\)" <david@drrw.info>]

Seems like we have payee and payer - but regardless of owner - an
account details is an account details!?! 

So - <FinancialAccount owner="Fred" role="payer / payee / ...">  seems
another option... and again - making it repeatable allows multiple
entries to meet extended use cases. 

DW

"The way to be is to do" - Confucius (551-472 B.C.)