I support Mary Beth's comments. However, there are some organizations that perform a centralized return item service for corporations who believe they will lose the ability to capture information that is imprinted by cash regiser type machines in the merchant locations. This information is important to the corporations in tracking losses and collecting return items. Remember, the FRB announcement is only related to images they accept for collection. The SVPCo organization is allowing its members to exchange both B/W and Grayscale. Interesting consideration of the ECCHO rules is that the recipient must retain an image in the format it is presented but can transcode it for its own use. Transcoding from Grayscale to B/W creates a loss of data, thus the rsulting B/W is not the same as an originally captured B/W. Naturally, if you start with B/W, you can't go to Grayscale.