> Aside from the extra whitespace, which shouldn't matter, the git code has
closing tags on every element while the AQB5 code has closing tags only on
grouping elements.
> 
> USERID is specified in the OFX 1.6 DTD as
> <!ELEMENT USERID    - o %IDTYPE>
> and according to
> https://en.wikipedia.org/wiki/Standard_Generalized_Markup_Language#OMITTAG
> the "- o" in the middle means that it should have an opening tag and no
> closing tag.

Sorry to butt in..  MAY have, not SHOULD have.  Closing tags are optional
for OFXv1 "elements" (i.e. data-bearing leaf nodes).

But the spec doesn't really matter in the real world.  The FIs code to
Quicken, not to the spec... and Quicken sends OFXv1 with unclosed elements. 
Therefore, AqBanking really should do so as well in order to be useful.

Contrary to the spec, USAA doesn't accept closing tags on elements. 
However, USAA does accept OFXv2, specifically versions 202 and 205.  Just
send them XML.

Here's the result of scanning USAA's server:

(ofxtools) 6:30:50 csingley@nous ofxtools sequences ? ofxget scan usaa
[{"versions": [102, 151], "formats": [{"pretty": false, "unclosedelements":
true}, {"pretty": true, "unclosedelements": true}]}, {"versions": [200,
202], "formats": [{"pretty": false}, {"pretty": true}]}, {"chgpinfirst":
false, "clientuidreq": false, "authtokenfirst": false, "mfachallengefirst":
false}]




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