+.PP
+You may only use one of these for the entire file. You are not
+allowed to switch between Einzug and Gutschrift within the same file.
+If you require the credit institute to process both types, you'll have
+to provide two separate diskettes.
+.SS "Support for Euro"
+From January 1st 2002 the currency in many European countries, Germany
+is among these, changes to Euro. Hence, money transfer changes from DM
+(formerly known as ``Deutsche Mark'') to Euro. The format
+specification of DTAUS was meant for DM but was modified in 2001 to
+support Euro as well. The current version of
+.BR dtaus (1)
+supports both currencies. It defaults to using DM, however. To
+switch to Euro, simply add the keyword
+.B Euro
+to the BEGIN record.
+.SS "Character Encoding"
+German Umlauts are converted into two 7-bit characters on the fly so you