diff --git a/accountCreditedDrawdown.go b/accountCreditedDrawdown.go
index e2af417c..7e4044fe 100644
--- a/accountCreditedDrawdown.go
+++ b/accountCreditedDrawdown.go
@@ -20,8 +20,8 @@ type AccountCreditedDrawdown struct {
 }
 
 // NewAccountCreditedDrawdown returns a new AccountCreditedDrawdown
-func NewAccountCreditedDrawdown() AccountCreditedDrawdown {
-	creditDD := AccountCreditedDrawdown{
+func NewAccountCreditedDrawdown() *AccountCreditedDrawdown {
+	creditDD := &AccountCreditedDrawdown{
 		tag: TagAccountCreditedDrawdown,
 	}
 	return creditDD
diff --git a/accountCreditedDrawdown_test.go b/accountCreditedDrawdown_test.go
new file mode 100644
index 00000000..b3fb37b3
--- /dev/null
+++ b/accountCreditedDrawdown_test.go
@@ -0,0 +1,8 @@
+package wire
+
+//  mockAccountCreditedDrawdown creates a AccountCreditedDrawdown
+func mockAccountCreditedDrawdown() *AccountCreditedDrawdown {
+	creditDD := NewAccountCreditedDrawdown()
+	creditDD.DrawdownCreditAccountNumber = "123456789"
+	return creditDD
+}
\ No newline at end of file
diff --git a/accountDebitedDrawdown.go b/accountDebitedDrawdown.go
index 0f4d5e0d..4bbd675e 100644
--- a/accountDebitedDrawdown.go
+++ b/accountDebitedDrawdown.go
@@ -25,8 +25,8 @@ type AccountDebitedDrawdown struct {
 }
 
 // NewAccountDebitedDrawdown returns a new AccountDebitedDrawdown
-func NewAccountDebitedDrawdown() AccountDebitedDrawdown {
-	debitDD := AccountDebitedDrawdown{
+func NewAccountDebitedDrawdown() *AccountDebitedDrawdown {
+	debitDD := &AccountDebitedDrawdown{
 		tag: TagAccountDebitedDrawdown,
 	}
 	return debitDD
diff --git a/accountDebitedDrawdown_test.go b/accountDebitedDrawdown_test.go
new file mode 100644
index 00000000..3986bdb4
--- /dev/null
+++ b/accountDebitedDrawdown_test.go
@@ -0,0 +1,13 @@
+package wire
+
+//  mockAccountDebitedDrawdown creates a AccountDebitedDrawdown
+func mockAccountDebitedDrawdown() *AccountDebitedDrawdown {
+	debitDD := NewAccountDebitedDrawdown()
+	debitDD.IdentificationCode = "DemandDepositAccountNumber"
+	debitDD.Identifier = "123456789"
+	debitDD.Name = "debitDD Name"
+	debitDD.Address.AddressLineOne = "Address One"
+	debitDD.Address.AddressLineTwo = "Address Two"
+	debitDD.Address.AddressLineThree = "Address Three"
+	return debitDD
+}
\ No newline at end of file
diff --git a/amount.go b/amount.go
index 86d3ed76..a1b03cc5 100644
--- a/amount.go
+++ b/amount.go
@@ -20,8 +20,8 @@ type Amount struct {
 }
 
 // NewAmount returns a new Amount
-func NewAmount() Amount {
-	a := Amount{
+func NewAmount() *Amount {
+	a := &Amount{
 		tag: TagAmount,
 	}
 	return a
diff --git a/amount_test.go b/amount_test.go
new file mode 100644
index 00000000..60f3f046
--- /dev/null
+++ b/amount_test.go
@@ -0,0 +1,8 @@
+package wire
+
+//  mockAmount creates an a Amount
+func mockAmount() *Amount {
+	a := NewAmount()
+	a.Amount = "000001234567"
+	return a
+}
\ No newline at end of file
diff --git a/beneficiary.go b/beneficiary.go
index f60c6862..05656ac1 100644
--- a/beneficiary.go
+++ b/beneficiary.go
@@ -20,8 +20,8 @@ type Beneficiary struct {
 }
 
 // NewBeneficiary returns a new Beneficiary
-func NewBeneficiary() Beneficiary {
-	b := Beneficiary{
+func NewBeneficiary() *Beneficiary {
+	b := &Beneficiary{
 		tag: TagBeneficiary,
 	}
 	return b
diff --git a/beneficiaryCustomer.go b/beneficiaryCustomer.go
index 12d4e1cc..8a2e629f 100644
--- a/beneficiaryCustomer.go
+++ b/beneficiaryCustomer.go
@@ -20,8 +20,8 @@ type BeneficiaryCustomer struct {
 }
 
 // NewBeneficiaryCustomer returns a new BeneficiaryCustomer
-func NewBeneficiaryCustomer() BeneficiaryCustomer {
-	bc := BeneficiaryCustomer{
+func NewBeneficiaryCustomer() *BeneficiaryCustomer {
+	bc := &BeneficiaryCustomer{
 		tag: TagBeneficiaryCustomer,
 	}
 	return bc
diff --git a/beneficiaryCustomer_test.go b/beneficiaryCustomer_test.go
new file mode 100644
index 00000000..71e62977
--- /dev/null
+++ b/beneficiaryCustomer_test.go
@@ -0,0 +1,14 @@
+package wire
+
+//  mockBeneficiaryCustomer creates a BeneficiaryCustomer
+func mockBeneficiaryCustomer() *BeneficiaryCustomer {
+	bc := NewBeneficiaryCustomer()
+	bc.CoverPayment.SwiftFieldTag = ""
+	bc.CoverPayment.SwiftLineOne = ""
+	bc.CoverPayment.SwiftLineTwo = ""
+	bc.CoverPayment.SwiftLineThree= ""
+	bc.CoverPayment.SwiftLineFour = ""
+	bc.CoverPayment.SwiftLineFive = ""
+	bc.CoverPayment.SwiftLineSix = ""
+	return bc
+}
\ No newline at end of file
diff --git a/beneficiaryFI.go b/beneficiaryFI.go
index 96c0acd3..8afff9de 100644
--- a/beneficiaryFI.go
+++ b/beneficiaryFI.go
@@ -20,8 +20,8 @@ type BeneficiaryFI struct {
 }
 
 // NewBeneficiaryFI returns a new BeneficiaryFI
-func NewBeneficiaryFI() BeneficiaryFI {
-	bfi := BeneficiaryFI{
+func NewBeneficiaryFI() *BeneficiaryFI {
+	bfi := &BeneficiaryFI{
 		tag: TagBeneficiaryFI,
 	}
 	return bfi
diff --git a/beneficiaryFI_test.go b/beneficiaryFI_test.go
new file mode 100644
index 00000000..f2bbd61f
--- /dev/null
+++ b/beneficiaryFI_test.go
@@ -0,0 +1,13 @@
+package wire
+
+//  mockBeneficiaryFI creates a BeneficiaryFI
+func mockBeneficiaryFI() *BeneficiaryFI {
+	bfi := NewBeneficiaryFI()
+	bfi.FinancialInstitution.IdentificationCode = DemandDepositAccountNumber
+	bfi.FinancialInstitution.Identifier = "123456789"
+	bfi.FinancialInstitution.Name = "FI Name"
+	bfi.FinancialInstitution.Address.AddressLineOne = "Address One"
+	bfi.FinancialInstitution.Address.AddressLineTwo = "Address Two"
+	bfi.FinancialInstitution.Address.AddressLineThree = "Address Three"
+	return bfi
+}
\ No newline at end of file
diff --git a/beneficiaryIntermediaryFI.go b/beneficiaryIntermediaryFI.go
index 383f3cb3..841fc4fb 100644
--- a/beneficiaryIntermediaryFI.go
+++ b/beneficiaryIntermediaryFI.go
@@ -20,8 +20,8 @@ type BeneficiaryIntermediaryFI struct {
 }
 
 // NewBeneficiaryIntermediaryFI returns a new BeneficiaryIntermediaryFI
-func NewBeneficiaryIntermediaryFI() BeneficiaryIntermediaryFI {
-	bifi := BeneficiaryIntermediaryFI{
+func NewBeneficiaryIntermediaryFI() *BeneficiaryIntermediaryFI {
+	bifi := &BeneficiaryIntermediaryFI{
 		tag: TagBeneficiaryIntermediaryFI,
 	}
 	return bifi
diff --git a/beneficiaryIntermediaryFI_test.go b/beneficiaryIntermediaryFI_test.go
new file mode 100644
index 00000000..5d0f0b06
--- /dev/null
+++ b/beneficiaryIntermediaryFI_test.go
@@ -0,0 +1,13 @@
+package wire
+
+//  mockBeneficiaryIntermediaryFI creates a BeneficiaryIntermediaryFI
+func mockBeneficiaryIntermediaryFI() *BeneficiaryIntermediaryFI {
+	bifi := NewBeneficiaryIntermediaryFI()
+	bifi.FinancialInstitution.IdentificationCode = DemandDepositAccountNumber
+	bifi.FinancialInstitution.Identifier = "123456789"
+	bifi.FinancialInstitution.Name = "FI Name"
+	bifi.FinancialInstitution.Address.AddressLineOne = "Address One"
+	bifi.FinancialInstitution.Address.AddressLineTwo = "Address Two"
+	bifi.FinancialInstitution.Address.AddressLineThree = "Address Three"
+	return bifi
+}
\ No newline at end of file
diff --git a/beneficiaryReference.go b/beneficiaryReference.go
index cec27eef..521c07d4 100644
--- a/beneficiaryReference.go
+++ b/beneficiaryReference.go
@@ -20,8 +20,8 @@ type BeneficiaryReference struct {
 }
 
 // NewBeneficiaryReference returns a new BeneficiaryReference
-func NewBeneficiaryReference() BeneficiaryReference {
-	br := BeneficiaryReference{
+func NewBeneficiaryReference() *BeneficiaryReference {
+	br := &BeneficiaryReference{
 		tag: TagBeneficiaryReference,
 	}
 	return br
diff --git a/beneficiaryReference_test.go b/beneficiaryReference_test.go
new file mode 100644
index 00000000..edabfe49
--- /dev/null
+++ b/beneficiaryReference_test.go
@@ -0,0 +1,8 @@
+package wire
+
+//  mockBeneficiaryReference creates a BeneficiaryReference
+func mockBeneficiaryReference() *BeneficiaryReference {
+	br:= NewBeneficiaryReference()
+	br.BeneficiaryReference = "Reference"
+	return br
+}
diff --git a/beneficiary_test.go b/beneficiary_test.go
new file mode 100644
index 00000000..f460ed03
--- /dev/null
+++ b/beneficiary_test.go
@@ -0,0 +1,13 @@
+package wire
+
+//  mockBeneficiary creates a Beneficiary
+func mockBeneficiary() *Beneficiary {
+	b := NewBeneficiary()
+	b.Personal.IdentificationCode = DriversLicenseNumber
+	b.Personal.Identifier = "1234"
+	b.Personal.Name = "Name"
+	b.Personal.Address.AddressLineOne = "Address One"
+	b.Personal.Address.AddressLineTwo = "Address Two"
+	b.Personal.Address.AddressLineThree = "Address Three"
+	return b
+}
\ No newline at end of file
diff --git a/businessFunctionCode.go b/businessFunctionCode.go
index 935231fc..572d8ad5 100644
--- a/businessFunctionCode.go
+++ b/businessFunctionCode.go
@@ -23,8 +23,8 @@ type BusinessFunctionCode struct {
 }
 
 // NewBusinessFunctionCode returns a new BusinessFunctionCode
-func NewBusinessFunctionCode() BusinessFunctionCode {
-	bfc := BusinessFunctionCode{
+func NewBusinessFunctionCode() *BusinessFunctionCode {
+	bfc := &BusinessFunctionCode{
 		tag: TagBusinessFunctionCode,
 	}
 	return bfc
diff --git a/businessFunctionCode_test.go b/businessFunctionCode_test.go
new file mode 100644
index 00000000..8036afdb
--- /dev/null
+++ b/businessFunctionCode_test.go
@@ -0,0 +1,9 @@
+package wire
+
+//  mockBusinessFunctionCode creates a BusinessFunctionCode
+func mockBusinessFunctionCode() *BusinessFunctionCode {
+	bfc := NewBusinessFunctionCode()
+	bfc.BusinessFunctionCode = "BankTransfer"
+	bfc.TransactionTypeCode = ""
+	return bfc
+}
diff --git a/inputMessageAccountabilityData.go b/inputMessageAccountabilityData.go
index 4455c50f..21c33717 100644
--- a/inputMessageAccountabilityData.go
+++ b/inputMessageAccountabilityData.go
@@ -24,8 +24,8 @@ type InputMessageAccountabilityData struct {
 }
 
 // NewInputMessageAccountabilityData returns a new InputMessageAccountabilityData
-func NewInputMessageAccountabilityData() InputMessageAccountabilityData {
-	imad := InputMessageAccountabilityData{
+func NewInputMessageAccountabilityData() *InputMessageAccountabilityData {
+	imad := &InputMessageAccountabilityData{
 		tag: TagInputMessageAccountabilityData,
 	}
 	return imad
diff --git a/inputMessageAccountabilityData_test.go b/inputMessageAccountabilityData_test.go
new file mode 100644
index 00000000..0bbcf50b
--- /dev/null
+++ b/inputMessageAccountabilityData_test.go
@@ -0,0 +1,10 @@
+package wire
+
+//  mockInputMessageAccountabilityData creates a mockInputMessageAccountabilityData
+func mockInputMessageAccountabilityData() *InputMessageAccountabilityData {
+	imad := NewInputMessageAccountabilityData()
+	imad.InputCycleDate = "20190410"
+	imad.InputSource = "Source"
+	imad.InputSequenceNumber = "000001"
+	return imad
+}
\ No newline at end of file
diff --git a/instructingFI.go b/instructingFI.go
index cdbd695d..7e57f319 100644
--- a/instructingFI.go
+++ b/instructingFI.go
@@ -20,8 +20,8 @@ type InstructingFI struct {
 }
 
 // NewInstructingFI returns a new InstructingFI
-func NewInstructingFI() InstructingFI {
-	ifi := InstructingFI{
+func NewInstructingFI() *InstructingFI {
+	ifi := &InstructingFI{
 		tag: TagInstructingFI,
 	}
 	return ifi
diff --git a/instructingFI_test.go b/instructingFI_test.go
new file mode 100644
index 00000000..2b39343b
--- /dev/null
+++ b/instructingFI_test.go
@@ -0,0 +1,13 @@
+package wire
+
+//  mockInstructingFI creates a InstructingFI
+func mockInstructingFI() *InstructingFI {
+	ifi := NewInstructingFI()
+	ifi.FinancialInstitution.IdentificationCode = DemandDepositAccountNumber
+	ifi.FinancialInstitution.Identifier = "123456789"
+	ifi.FinancialInstitution.Name = "FI Name"
+	ifi.FinancialInstitution.Address.AddressLineOne = "Address One"
+	ifi.FinancialInstitution.Address.AddressLineTwo = "Address Two"
+	ifi.FinancialInstitution.Address.AddressLineThree = "Address Three"
+	return ifi
+}
\ No newline at end of file
diff --git a/originator.go b/originator.go
index 2cb25ba7..58e40cb4 100644
--- a/originator.go
+++ b/originator.go
@@ -20,8 +20,8 @@ type Originator struct {
 }
 
 // NewOriginator returns a new Originator
-func NewOriginator() Originator {
-	o := Originator{
+func NewOriginator() *Originator {
+	o := &Originator{
 		tag: TagOriginator,
 	}
 	return o
diff --git a/originatorFI.go b/originatorFI.go
index 24a60559..c5116dcb 100644
--- a/originatorFI.go
+++ b/originatorFI.go
@@ -20,8 +20,8 @@ type OriginatorFI struct {
 }
 
 // NewOriginatorFI returns a new OriginatorFI
-func NewOriginatorFI() OriginatorFI {
-	ofi := OriginatorFI{
+func NewOriginatorFI() *OriginatorFI {
+	ofi := &OriginatorFI{
 		tag: TagOriginatorFI,
 	}
 	return ofi
diff --git a/originatorFI_test.go b/originatorFI_test.go
new file mode 100644
index 00000000..7cea2da2
--- /dev/null
+++ b/originatorFI_test.go
@@ -0,0 +1,13 @@
+package wire
+
+//  mockOriginatorFI creates a OriginatorFI
+func mockOriginatorFI() *OriginatorFI {
+	ofi := NewOriginatorFI()
+	ofi.FinancialInstitution.IdentificationCode = PassportNumber
+	ofi.FinancialInstitution.Identifier = "123456789"
+	ofi.FinancialInstitution.Name = "FI Name"
+	ofi.FinancialInstitution.Address.AddressLineOne = "Address One"
+	ofi.FinancialInstitution.Address.AddressLineTwo = "Address Two"
+	ofi.FinancialInstitution.Address.AddressLineThree = "Address Three"
+	return ofi
+}
\ No newline at end of file
diff --git a/originatorOptionF.go b/originatorOptionF.go
index f71aaef4..d699bb23 100644
--- a/originatorOptionF.go
+++ b/originatorOptionF.go
@@ -80,8 +80,8 @@ type OriginatorOptionF struct {
 }
 
 // NewOriginatorOptionF returns a new OriginatorOptionF
-func NewOriginatorOptionF() OriginatorOptionF {
-	oof := OriginatorOptionF{
+func NewOriginatorOptionF() *OriginatorOptionF {
+	oof := &OriginatorOptionF{
 		tag: TagOriginatorOptionF,
 	}
 	return oof
@@ -120,6 +120,7 @@ func (oof *OriginatorOptionF) Validate() error {
 	if err := oof.fieldInclusion(); err != nil {
 		return err
 	}
+	// ToDo; PartyIdentifier Validation
 	if err := oof.isAlphanumeric(oof.Name); err != nil {
 		return fieldError("Name", err, oof.Name)
 	}
diff --git a/originatorOptionF_test.go b/originatorOptionF_test.go
new file mode 100644
index 00000000..fe500226
--- /dev/null
+++ b/originatorOptionF_test.go
@@ -0,0 +1,12 @@
+package wire
+
+//  mockOriginatorOptionF creates a OriginatorOptionF
+func mockOriginatorOptionF() *OriginatorOptionF {
+	oof := NewOriginatorOptionF()
+	oof.PartyIdentifier = "TXID/123-45-6789"
+	oof.Name = "Name"
+	oof.LineOne = "LineOne"
+	oof.LineTwo = "LineTwo"
+	oof.LineThree = "LineThree"
+	return oof
+}
\ No newline at end of file
diff --git a/originatorToBeneficiary.go b/originatorToBeneficiary.go
index 96092d86..7d950ec3 100644
--- a/originatorToBeneficiary.go
+++ b/originatorToBeneficiary.go
@@ -26,8 +26,8 @@ type OriginatorToBeneficiary struct {
 }
 
 // NewOriginatorToBeneficiary returns a new OriginatorToBeneficiary
-func NewOriginatorToBeneficiary() OriginatorToBeneficiary {
-	ob := OriginatorToBeneficiary{
+func NewOriginatorToBeneficiary() *OriginatorToBeneficiary {
+	ob := &OriginatorToBeneficiary{
 		tag: TagOriginatorToBeneficiary,
 	}
 	return ob
diff --git a/originatorToBeneficiary_test.go b/originatorToBeneficiary_test.go
new file mode 100644
index 00000000..697d83d5
--- /dev/null
+++ b/originatorToBeneficiary_test.go
@@ -0,0 +1,11 @@
+package wire
+
+//  mockOriginatorToBeneficiary creates a OriginatorToBeneficiary
+func mockOriginatorToBeneficiary() *OriginatorToBeneficiary {
+	ob := NewOriginatorToBeneficiary()
+	ob.LineOne = "LineOne"
+	ob.LineTwo = "LineTwo"
+	ob.LineThree = "LineThree"
+	ob.LineFour = "LineFour"
+	return ob
+}
\ No newline at end of file
diff --git a/originator_test.go b/originator_test.go
new file mode 100644
index 00000000..1a58a3d5
--- /dev/null
+++ b/originator_test.go
@@ -0,0 +1,13 @@
+package wire
+
+//  mockOriginator creates a Originator
+func mockOriginator() *Originator {
+	o := NewOriginator()
+	o.Personal.IdentificationCode = PassportNumber
+	o.Personal.Identifier = "1234"
+	o.Personal.Name = "Name"
+	o.Personal.Address.AddressLineOne = "Address One"
+	o.Personal.Address.AddressLineTwo = "Address Two"
+	o.Personal.Address.AddressLineThree = "Address Three"
+	return o
+}
\ No newline at end of file
diff --git a/receiverDepositoryInstitution.go b/receiverDepositoryInstitution.go
index a59f6ff2..f55e4ce4 100644
--- a/receiverDepositoryInstitution.go
+++ b/receiverDepositoryInstitution.go
@@ -22,8 +22,8 @@ type ReceiverDepositoryInstitution struct {
 }
 
 // NewReceiverDepositoryInstitution returns a new ReceiverDepositoryInstitution
-func NewReceiverDepositoryInstitution() ReceiverDepositoryInstitution {
-	rdi := ReceiverDepositoryInstitution{
+func NewReceiverDepositoryInstitution() *ReceiverDepositoryInstitution {
+	rdi := &ReceiverDepositoryInstitution{
 		tag: TagReceiverDepositoryInstitution,
 	}
 	return rdi
diff --git a/receiverDepositoryInstitution_test.go b/receiverDepositoryInstitution_test.go
new file mode 100644
index 00000000..038d7e17
--- /dev/null
+++ b/receiverDepositoryInstitution_test.go
@@ -0,0 +1,9 @@
+package wire
+
+//  mockReceiverDepositoryInstitution creates a ReceiverDepositoryInstitution
+func mockReceiverDepositoryInstitution() *ReceiverDepositoryInstitution {
+	rdi := NewReceiverDepositoryInstitution()
+	rdi.ReceiverABANumber = "231380104"
+	rdi.ReceiverShortName = "Citadel"
+	return rdi
+}
\ No newline at end of file
diff --git a/senderDepositoryInstitution.go b/senderDepositoryInstitution.go
index 18011506..6167ec61 100644
--- a/senderDepositoryInstitution.go
+++ b/senderDepositoryInstitution.go
@@ -22,8 +22,8 @@ type SenderDepositoryInstitution struct {
 }
 
 // NewSenderDepositoryInstitution returns a new SenderDepositoryInstitution
-func NewSenderDepositoryInstitution() SenderDepositoryInstitution {
-	sdi := SenderDepositoryInstitution{
+func NewSenderDepositoryInstitution() *SenderDepositoryInstitution {
+	sdi := &SenderDepositoryInstitution{
 		tag: TagSenderDepositoryInstitution,
 	}
 	return sdi
diff --git a/senderDepositoryInstitution_test.go b/senderDepositoryInstitution_test.go
new file mode 100644
index 00000000..7f2b2a89
--- /dev/null
+++ b/senderDepositoryInstitution_test.go
@@ -0,0 +1,9 @@
+package wire
+
+//  mockSenderDepositoryInstitution creates a SenderDepositoryInstitution
+func mockSenderDepositoryInstitution() *SenderDepositoryInstitution {
+	sdi := NewSenderDepositoryInstitution()
+	sdi.SenderABANumber = "121042882"
+	sdi.SenderShortName = "Wells Fargo NA"
+	return sdi
+}
diff --git a/senderSupplied_test.go b/senderSupplied_test.go
index 20972052..cfbb5fa7 100644
--- a/senderSupplied_test.go
+++ b/senderSupplied_test.go
@@ -3,9 +3,5 @@ package wire
 //  mockSenderSupplied creates a SenderSupplied
 func mockSenderSupplied() *SenderSupplied {
 	ss := NewSenderSupplied()
-	ss.tag = TagSenderSupplied
-	ss.FormatVersion = FormatVersion
-	ss.TestProductionCode = EnvironmentTest
-	ss.MessageDuplicationCode = MessageDuplicationOriginal
 	return ss
 }
diff --git a/typeSubType.go b/typeSubType.go
index 48da0cee..349b9dd7 100644
--- a/typeSubType.go
+++ b/typeSubType.go
@@ -22,8 +22,8 @@ type TypeSubType struct {
 }
 
 // NewTypeSubType returns a new TypeSubType
-func NewTypeSubType() TypeSubType {
-	tst := TypeSubType{
+func NewTypeSubType() *TypeSubType {
+	tst := &TypeSubType{
 		tag: TagTypeSubType,
 	}
 	return tst
diff --git a/typeSubType_test.go b/typeSubType_test.go
new file mode 100644
index 00000000..00b463e2
--- /dev/null
+++ b/typeSubType_test.go
@@ -0,0 +1,10 @@
+package wire
+
+//  mockTypeSubType creates a TypeSubType
+func mockTypeSubType() *TypeSubType {
+	tst := NewTypeSubType()
+	tst.tag = TagTypeSubType
+	tst.TypeCode = FundsTransfer
+	tst.SubTypeCode = BasicFundsTransfer
+	return tst
+}
\ No newline at end of file