diff --git a/ofxtest.php b/ofxtest.php
index c2996d6..6f0b4f6 100644
--- a/ofxtest.php
+++ b/ofxtest.php
@@ -1,517 +1,518 @@
 <?php
 
 /*
  * Copyright 2017,2019 Ralf Habacker <ralf.habacker@freenet.de>
  *
  * This library is free software; you can redistribute it and/or
  * modify it under the terms of the GNU Lesser General Public
  * License as published by the Free Software Foundation; either
  * version 2.1 of the License, or (at your option) version 3, or any
  * later version accepted by the membership of KDE e.V. (or its
  * successor approved by the membership of KDE e.V.), which shall
  * act as a proxy defined in Section 6 of version 3 of the license.
  *
  * This library is distributed in the hope that it will be useful,
  * but WITHOUT ANY WARRANTY; without even the implied warranty of
  * MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE.  See the GNU
  * Lesser General Public License for more details.
  *
  * You should have received a copy of the GNU Lesser General Public
  * License along with this library.  If not, see <http://www.gnu.org/licenses/>.
  */
 
  /*
  * ofx test web service for kmymoney login test
  *
  * based on http://www.ofx.net/downloads/OFX%202.2.pdf
  */
 
 # show errors
 $debug = isset($_REQUEST['debug']);
 if ($debug) {
 	error_reporting(E_ALL);
 	ini_set('display_errors', '1');
 	echo '<!-- '.phpversion() .'-->';
 }
 
 $brokenPHP = version_compare(phpversion(), '5.6.3', '<');
 
 /**
  * convert an ofx date string into a timestamp
  */
 function strToDate($s)
 {
 	global $config;
 
 	$i = strpos($s, "[");
 	if ($i !== false) {
 		$dt = substr($s, 0, $i);
 		$tzs = substr($s, $i+1, strlen($s)-$i-2);
 		try {
 			if (is_numeric($tzs[0]))
 				$tz = new DateTimeZone('+'.$tzs);
 			else
 				$tz = new DateTimeZone($tzs);
 		} catch (Exception $e) {
 			echo '<!-- could not create time zone: '.$e->getMessage()."-->";
-			$tz = new DateTimeZone('GMT');
+			error_log("'$s' could not create time zone: ".$e->getMessage());
+			return 0;
 		}
 	} else {
 		$dt = $s;
 		$tz = new DateTimeZone("GMT");
 	}
 	if (strlen($dt) == 8)
 		$d = DateTime::createFromFormat("YmdHis", $dt."000000", $tz);
 	elseif (strlen($dt) == 14)
 		$d = DateTime::createFromFormat("YmdHis", $dt, $tz);
 	elseif (strlen($dt) == 18)
 		$d = DateTime::createFromFormat("YmdHis#u", $dt, $tz);
 	else
 		$d = 0;
 	if (!$d) {
 		error_log("'$s' invalid date format");
 		return 0;
 	}
 	$t = $d->getTimestamp();
 	if ($config['debug'])
         error_log("$dt '".$tz->getName()."' -> $t");
 	return $t;
 }
 
 if (isset($_REQUEST['debug']) && $_REQUEST['debug'] == 'date') {
 	$data = array(
 		"20181201",
 		"20181201000000",
 		"20181201000000.000",
 		"20181201000000[GMT]",
 		"20181201000000[12]",
 		"20181201000000[-11]",
 		"20181201000000[+12]",
 		"20181201000000[12.00]",
 		"20181201000000[-11.50]",
 		"20181201000000[+10.50]",
 		"20181201000000[+12:MAGT]",
 		"20181201000000[12:MAGT]",
 		"20181201000000[-11:SST]",
 		# from spec section 3.2.8.2 Date and Datetime
 		"19961005132200.124[-5:EST]",
 	);
 
 	echo "<table>\n"
 	."<tr><th>ofx date</th><th>timestamp</th><th>formatted output</th></tr>\n";
 	foreach($data as $s) {
 		$d = strToDate($s);
 		$s2 = date("Y-m-d H:i:s.u", $d);
 		echo "<tr><td>$s</td><td>$d</td><td>$s2 [GMT]</td></tr>\n";
 	}
 	echo "</table>";
 	exit(1);
 }
 
 /**
  * check that datetime string $a is in range between $start and $end
  */
 function isInRange($a, $start, $end)
 {
 	global $config;
 	global $brokenPHP;
 
 	if (!$brokenPHP) {
 		$t = strToDate($a);
 		$r = (empty($start) || $t >= strToDate($start)) && (empty($end) || $t <= strToDate($end));
 	} else {
 		$r = (empty($start) || strcmp($t, $start) >= 0) && (empty($end) || strcmp($t, $end) <= 0);
 	}
 	if ($config['debug'])
 		error_log("isInRange($a, $start, $end) -> $r");
 	return $r;
 }
 
 $today = date('Ymd');
 
 $config = array(
 	'debug' => false,
 	'OFXHEADER' => '200',
 	'VERSION' => '220',
 	'USERID' => 'test',
 	'USERPASS' => 'test1',
 	'ORG' => 'test',
 	'FID' => 'test',
 	'DESC' => 'Power Checking',
 	'PHONE' => '0088224482',
 	'BANKID' => '123456789',
 	'accounts' => array(
 		'00001234' => array(
 			'ACCTID' => '00001234',
 			'ACCTTYPE' => 'CHECKING',
 			# non standard field
 			'MEMO' => 'account with check and atm statements',
 			'BANKTRANLIST' => array(
 				'20171001' => array(
 					'TRNTYPE' => 'CHECK',
 					'DTPOSTED' => $today,
 					'TRNAMT' => -200.00,
 					'FITID' => '00002',
 					'NAME' => 'Test1',
 					'CHECKNUM' => '1000'
 				),
 				'20171002' => array(
 					'TRNTYPE' => 'ATM',
 					'DTPOSTED' => $today,
 					'DTUSER' => '20051020',
 					'TRNAMT' => -300.00,
 					'FITID' => '00003',
 					'NAME' => 'Test2',
 				),
 			),
 			'LEDGERBAL' => array(
 				'BALAMT' => '200.29',
 				'DTASOF' => $today,
 			),
 			'AVAILBAL' => array(
 				'BALAMT' => '200.29',
 				'DTASOF' => $today,
 			),
 		),
 		'00001235' => array(
 			'ACCTID' => '00001235',
 			'ACCTTYPE' => 'CHECKING',
 			# non standard field
 			'MEMO' => 'another account with check statement',
 			'BANKTRANLIST' => array(
 				'20171001' => array(
 					'TRNTYPE' => 'CHECK',
 					'DTPOSTED' => $today,
 					'TRNAMT' => 200.00,
 					'FITID' => '00001',
 					'NAME' => 'Test3',
 				),
 			),
 			'LEDGERBAL' => array(
 				'BALAMT' => '100.29',
 				'DTASOF' => $today,
 			),
 			'AVAILBAL' => array(
 				'BALAMT' => '100.29',
 				'DTASOF' => $today,
 			),
 		),
 		'00001236' => array(
 			'ACCTID' => '00001236',
 			'ACCTTYPE' => 'CHECKING',
 			# non standard field
 			'MEMO' => 'account for testing dates with different time zones',
 			'BANKTRANLIST' => array(
 				'1' => array(
 					'TRNTYPE' => 'XFER',
 					'DTPOSTED' => '20181201',
 					'TRNAMT' => -140.00,
 					'FITID' => '0001',
 					'NAME' => 'Landlord-1',
 					'MEMO' => 'short date - 12:00 AM (the start of the day), GMT',
 				),
 				'2' => array(
 					'TRNTYPE' => 'XFER',
 					'DTPOSTED' => '20181201000000',
 					'TRNAMT' => -140.00,
 					'FITID' => '0002',
 					'NAME' => 'Landlord-2',
 					'MEMO' => 'date with time without tz',
 				),
 				'3' => array(
 					'TRNTYPE' => 'XFER',
 					'DTPOSTED' => '20181201000000.000',
 					'TRNAMT' => -140.00,
 					'FITID' => '0003',
 					'NAME' => 'Landlord-3',
 					'MEMO' => 'date with time and msecs without tz',
 				),
 				'4' => array(
 					'TRNTYPE' => 'XFER',
 					'DTPOSTED' => '20181201000000[GMT]',
 					'TRNAMT' => -140.00,
 					'FITID' => '0004',
 					'NAME' => 'Landlord-4',
 					'MEMO' => 'date with time and default tz',
 				),
 				'5' => array(
 					'TRNTYPE' => 'XFER',
 					'DTPOSTED' => '20181201000000.000[GMT]',
 					'TRNAMT' => -140.00,
 					'FITID' => '0005',
 					'NAME' => 'Landlord-5',
 					'MEMO' => 'date with time, msecs and default tz',
 				),
 				'6a' => array(
 					'TRNTYPE' => 'XFER',
 					'DTPOSTED' => '20181201000000[-11]',
 					'TRNAMT' => -140.00,
 					'FITID' => '0006a',
 					'NAME' => 'Landlord-6a',
 					'MEMO' => 'date with time, tz offset without tz identifier (-11)',
 				),
 				'6b' => array(
 					'TRNTYPE' => 'XFER',
 					'DTPOSTED' => '20181201000000[-11:SST]',
 					'TRNAMT' => -140.00,
 					'FITID' => '0006b',
 					'NAME' => 'Landlord-6b',
 					'MEMO' => 'date with time, tz offset and identifier (-11:SST)',
 				),
 				'7a' => array(
 					'TRNTYPE' => 'XFER',
 					'DTPOSTED' => '20181201000000[12]',
 					'TRNAMT' => -140.00,
 					'FITID' => '0007a',
 					'NAME' => 'Landlord-7a',
 					'MEMO' => 'date with time, tz offset without tz identifier (12)',
 				),
 				'7b' => array(
 					'TRNTYPE' => 'XFER',
 					'DTPOSTED' => '20181201000000[12:MAGT]',
 					'TRNAMT' => -140.00,
 					'FITID' => '0007b',
 					'NAME' => 'Landlord-7b',
 					'MEMO' => 'date with time, tz offset and identifier (12:MAGT)',
 				),
 				'8a' => array(
 					'TRNTYPE' => 'XFER',
 					'DTPOSTED' => '20181201000000[+12]',
 					'TRNAMT' => -140.00,
 					'FITID' => '0008a',
 					'NAME' => 'Landlord-8a',
 					'MEMO' => 'date with time, tz offset without tz identifier (+12)',
 				),
 				'8b' => array(
 					'TRNTYPE' => 'XFER',
 					'DTPOSTED' => '20181201000000[+12:MAGT]',
 					'TRNAMT' => -140.00,
 					'FITID' => '0008b',
 					'NAME' => 'Landlord-8b',
 					'MEMO' => 'date with time, tz offset and identifier (+12:MAGT)',
 				),
 			),
 			'LEDGERBAL' => array(
 				'BALAMT' => '-980',
 				'DTASOF' => $today,
 			),
 			'AVAILBAL' => array(
 				'BALAMT' => '-980',
 				'DTASOF' => $today,
 			),
 		),
 	),
 	'CURDEF' => 'USD'
 );
 
 function getStatusCode(&$data)
 {
 	global $config;
 
 	$code = 0;
 	if ($data['USERID'] != $config['USERID'] || $data['USERPASS'] != $config['USERPASS'])
 		$code = 15500;
 	return $code;
 }
 
 function getStatusResponse($code)
 {
 	if ($code != 0)
 		return '<STATUS>'
 		.'<CODE>'.$code.'</CODE>'
 		.'<SEVERITY>ERROR</SEVERITY>'
 		.'</STATUS>'
 		;
 
 	return '<STATUS>'
 	.'<CODE>0</CODE>'
 	.'<SEVERITY>INFO</SEVERITY>'
 	.'</STATUS>'
 	;
 }
 
 function accountInformationRequest(&$data)
 {
 	global $config;
 
 	$code = getStatusCode($data);
 	$s = '<ACCTINFOTRNRS>'
 	.'<TRNUID>'.$data['TRNUID'].'</TRNUID>'
 	.getStatusResponse($code)
 	;
 	if (!$code) {
 		$s .= '<ACCTINFORS>'
 		.'<DTACCTUP>'.$data['DTACCTUP'].'</DTACCTUP>'
 		;
 		foreach ($config['accounts'] as $account) {
 			$s .= '<ACCTINFO>'
 			.'<DESC>'.$config['DESC'].'</DESC>'
 			.'<PHONE>'.$config['PHONE'].'</PHONE>'
 			.'<BANKACCTINFO>'
 			.'<BANKACCTFROM>'
 			.'<BANKID>'.$config['BANKID'].'</BANKID> '
 			.'<ACCTID>'.$account['ACCTID'].'</ACCTID>'
 			.'<ACCTTYPE>'.$account['ACCTTYPE'].'</ACCTTYPE>'
 			.'</BANKACCTFROM>'
 			.'<SUPTXDL>Y</SUPTXDL>'
 			.'<XFERSRC>Y</XFERSRC>'
 			.'<XFERDEST>Y</XFERDEST>'
 			.'<SVCSTATUS>ACTIVE</SVCSTATUS>'
 			.'</BANKACCTINFO>'
 			.'</ACCTINFO>'
 			;
 		}
 		$s .= '</ACCTINFORS>'
 		;
 	}
 	$s .= '</ACCTINFOTRNRS>'
 	;
 	return $s;
 }
 
 function statementDownloadRequest(&$data)
 {
 	global $config, $today;
 
 	$code = getStatusCode($data);
 	$s = '<SIGNONMSGSRSV1>'
 	.'<SONRS>'
 	.getStatusResponse($code)
 	.'<DTSERVER>20051029101003</DTSERVER>'
 	.'<LANGUAGE>ENG</LANGUAGE>'
 	.'<DTPROFUP>19991029101003</DTPROFUP>'
 	//.'<DTACCTUP>'.$data['DTACCTUP'].'</DTACCTUP>'
 	.'<FI>'
 	.'<ORG>'.$data['ORG'].'</ORG>'
 	.'<FID>'.$data['FID'].'</FID>'
 	.'</FI>'
 	.'</SONRS>'
 	.'</SIGNONMSGSRSV1>'
 	;
 	if ($code)
 		return $s;
 
 	$s .= '<BANKMSGSRSV1>'
 	.'<STMTTRNRS>'
 	.'<TRNUID>'.$data['TRNUID'].'</TRNUID>'
 	;
 
 	if (!isset($config['accounts'][$data['ACCTID']])) {
 		$code = 2003; // account not found
 	}
 	$s .= getStatusResponse($code);
 	// account has been found
 	if (!$code) {
 		$account = &$config['accounts'][$data['ACCTID']];
 		$dtstart = $data['DTSTART'];
 		$dtend = isset($data['DTEND']) ? $data['DTEND'] : $today;
 		$s .= '<STMTRS>'
 		.'<CURDEF>'.$config['CURDEF'].'</CURDEF>'
 		.'<BANKACCTFROM>'
 		.'<BANKID>'.$config['BANKID'].'</BANKID> '
 		.'<ACCTID>'.$account['ACCTID'].'</ACCTID>'
 		.'<ACCTTYPE>'.$account['ACCTTYPE'].'</ACCTTYPE>'
 		.'</BANKACCTFROM>'
 		.''
 		.'<BANKTRANLIST>'
 		.'<DTSTART>'.$dtstart.'</DTSTART>'
 		.'<DTEND>'.$dtend.'</DTEND>'
 		;
 		// add transactions
 		foreach ($account['BANKTRANLIST'] as $t) {
 			if (!isInRange($t['DTPOSTED'], $dtstart, $dtend))
 				continue;
 			$s .= '<STMTTRN>';
 			foreach ($t as $key => $value) {
 				$s .= "<$key>$value</$key>";
 			}
 			$s .= '</STMTTRN>'
 			;
 		}
 		$s .= '</BANKTRANLIST>'
 		.'<LEDGERBAL>'
 		.'<BALAMT>'.$account['LEDGERBAL']['BALAMT'].'</BALAMT>'
 		.'<DTASOF>'.$account['LEDGERBAL']['DTASOF'].'</DTASOF>'
 		.'</LEDGERBAL>'
 		.''
 		.'<AVAILBAL>'
 		.'<BALAMT>'.$account['AVAILBAL']['BALAMT'].'</BALAMT>'
 		.'<DTASOF>'.$account['AVAILBAL']['DTASOF'].'</DTASOF>'
 		.'</AVAILBAL>'
 		.'</STMTRS>';
 	}
 	$s .= '</STMTTRNRS>'
 	.'</BANKMSGSRSV1>'
 	;
 	return $s;
 }
 
 $validOFXRecord = false;
 $rawPostData = file_get_contents("php://input");
 $postData = explode("\r\n", $rawPostData);
 if ($config['debug'])
 	error_log(print_r($postData,true));
 
 // parse input
 foreach($postData as $line) {
 	$l = trim($line);
         if ($config['debug'])
                 error_log($l);
 	if (strcmp($l, "<OFX>") === 0) {
 		$validOFXRecord = true;
 	}
 	if (0 === strpos($l, '<')) {
 		$a = explode(">", $l);
 		$b = explode("<", $a[0]);
 		$key = $b[1];
 		$value = $a[1];
 		$data[$key] = $value;
 		if ($config['debug'])
 			error_log("$key $value");
 	}
 }
 
 if ($validOFXRecord) {
 	header("Content-Type: application/x-ofx");
 	$code = getStatusCode($data);
 	$s = '<?xml version="1.0"?>'
 	.'<?OFX OFXHEADER="'.$config['OFXHEADER'].'" VERSION="'.$config['VERSION'].'" SECURITY="NONE" OLDFILEUID="NONE" "NEWFILEUID="NONE"?>'
 	.'<OFX>';
 	if ($code) {
 		$s .= getStatusResponse($code);
 	} else if (isset($data['ACCTINFOTRNRQ'])) {
 		$s .= accountInformationRequest($data);
 	} else if (isset($data['BANKMSGSRQV1'])) {
 		$s .= statementDownloadRequest($data);
 	} else
 		$s .= getStatusResponse(2028);
 	$s .= '</OFX>';
 	echo $s;
 	if ($config['debug'])
 		error_log($s);
 } else {
 	header("Content-Type: text/html");
 	echo "<pre>"
 	."This service is intended for access from KMyMoney only\n\n"
 	."It supports assigning an ofx online account to a KMyMoney account\n"
 	."and updating the account from the online account.\n\n"
 	."---------------------- access data ----------------------\n"
 	."Choose adding manual account with the following settings:\n\n"
 	."Org: ".$config['ORG']."\n"
 	."Fid: ".$config['FID']."\n"
 	."Url: "."http".(($_SERVER['SERVER_PORT'] == 443) ? "s://" : "://").$_SERVER['HTTP_HOST'].$_SERVER['REQUEST_URI']."\n"
 	."User: ".$config['USERID']."\n"
 	."Password: ".$config['USERPASS']."\n"
 	."\n"
 	."---------------------- bank data ----------------------\n"
 	."bank identification:".$config['BANKID']."\n"
 	."number of accounts: ".sizeof($config['accounts'])."\n"
 	."\n"
 	."---------------------- accounts ----------------------\n"
 	." account  \t type   \t notes\n";
 	foreach($config['accounts'] as $account) {
 		echo $account['ACCTID']."\t". $account['ACCTTYPE']."\t". $account['MEMO']."\n";
 	}
 	echo "</pre>";
 }
 ?>