diff --git a/lib/SpoutAPI.jar b/lib/SpoutAPI.jar
index 3a207ec3..145198ea 100644
Binary files a/lib/SpoutAPI.jar and b/lib/SpoutAPI.jar differ
diff --git a/src/com/massivecraft/factions/FPlayer.java b/src/com/massivecraft/factions/FPlayer.java
index b38d40fc..a236c7fd 100644
--- a/src/com/massivecraft/factions/FPlayer.java
+++ b/src/com/massivecraft/factions/FPlayer.java
@@ -608,7 +608,7 @@ public class FPlayer extends PlayerEntity implements EconomyParticipator
 			double cost = Econ.calculateClaimCost(ownedLand, currentFaction.isNormal());
 			//String costString = Econ.moneyString(cost);
 			
-			if(Conf.bankFactionPaysLandCosts && this.hasFaction())
+			if(Conf.bankEnabled && Conf.bankFactionPaysLandCosts && this.hasFaction())
 			{
 				Faction faction = this.getFaction();
 				if ( ! Econ.modifyMoney(faction, -cost, "to claim this land", "for claiming this land")) return false;
diff --git a/src/com/massivecraft/factions/Faction.java b/src/com/massivecraft/factions/Faction.java
index 00d311c0..bea8e785 100644
--- a/src/com/massivecraft/factions/Faction.java
+++ b/src/com/massivecraft/factions/Faction.java
@@ -92,7 +92,7 @@ public class Faction extends Entity implements EconomyParticipator
 			if ( ! Econ.getMethod().createAccount(aid))
 			{
 				P.p.log(Level.SEVERE, "Error creating faction bank account through Register: "+aid);
-				return null;
+//				return null;
 			}
 			MethodAccount acc = Econ.getMethod().getAccount(aid);
 			acc.set(0); 
diff --git a/src/com/massivecraft/factions/cmd/CmdDescription.java b/src/com/massivecraft/factions/cmd/CmdDescription.java
index 63856f30..a80f023c 100644
--- a/src/com/massivecraft/factions/cmd/CmdDescription.java
+++ b/src/com/massivecraft/factions/cmd/CmdDescription.java
@@ -38,7 +38,7 @@ public class CmdDescription extends FCommand
 		for (FPlayer fplayer : FPlayers.i.getOnline())
 		{
 			fplayer.msg("<h>%s<i> changed their description to:", myFaction.describeTo(fplayer));
-			fplayer.msg("<h>"+myFaction.getDescription());
+			fplayer.msg("<i>"+myFaction.getDescription());
 		}
 	}
 	
diff --git a/src/com/massivecraft/factions/cmd/CmdUnclaim.java b/src/com/massivecraft/factions/cmd/CmdUnclaim.java
index 7594af08..1f3583c9 100644
--- a/src/com/massivecraft/factions/cmd/CmdUnclaim.java
+++ b/src/com/massivecraft/factions/cmd/CmdUnclaim.java
@@ -42,7 +42,7 @@ public class CmdUnclaim extends FCommand
 		{
 			double refund = Econ.calculateClaimRefund(myFaction.getLandRounded());
 			
-			if(Conf.bankFactionPaysLandCosts)
+			if(Conf.bankEnabled && Conf.bankFactionPaysLandCosts)
 			{
 				if ( ! Econ.modifyMoney(myFaction, refund, "to unclaim this land", "for unclaiming this land")) return;
 			}
diff --git a/src/com/massivecraft/factions/cmd/CmdUnclaimall.java b/src/com/massivecraft/factions/cmd/CmdUnclaimall.java
index 49d2ea6f..c469190a 100644
--- a/src/com/massivecraft/factions/cmd/CmdUnclaimall.java
+++ b/src/com/massivecraft/factions/cmd/CmdUnclaimall.java
@@ -32,7 +32,7 @@ public class CmdUnclaimall extends FCommand
 		if (Econ.shouldBeUsed())
 		{
 			double refund = Econ.calculateTotalLandRefund(myFaction.getLandRounded());
-			if(Conf.bankFactionPaysLandCosts)
+			if(Conf.bankEnabled && Conf.bankFactionPaysLandCosts)
 			{
 				if ( ! Econ.modifyMoney(myFaction, refund, "to unclaim all faction land", "for unclaiming all faction land")) return;
 			}
diff --git a/src/com/massivecraft/factions/cmd/FCommand.java b/src/com/massivecraft/factions/cmd/FCommand.java
index bea6cf04..98c1e6a6 100644
--- a/src/com/massivecraft/factions/cmd/FCommand.java
+++ b/src/com/massivecraft/factions/cmd/FCommand.java
@@ -389,7 +389,7 @@ public abstract class FCommand extends MCommand<P>
 	{
 		if ( ! Econ.shouldBeUsed() || this.fme == null || cost == 0.0 || fme.hasAdminMode()) return true;
 
-		if(Conf.bankFactionPaysLandCosts && fme.hasFaction())
+		if(Conf.bankEnabled && Conf.bankFactionPaysCosts && fme.hasFaction())
 		{
 			if ( ! Econ.modifyMoney(myFaction, -cost, toDoThis, forDoingThis)) return false;
 		}
diff --git a/src/com/massivecraft/factions/integration/Econ.java b/src/com/massivecraft/factions/integration/Econ.java
index 6826d3b8..b04557ef 100644
--- a/src/com/massivecraft/factions/integration/Econ.java
+++ b/src/com/massivecraft/factions/integration/Econ.java
@@ -255,8 +255,11 @@ public class Econ
 		
 		for (Faction faction : Factions.i.get())
 		{
-			faction.getAccount().add(faction.money);
-			faction.money = 0;
+			if (faction.money > 0)
+			{
+				faction.getAccount().add(faction.money);
+				faction.money = 0;
+			}
 		}
 	}
 
diff --git a/src/com/massivecraft/factions/integration/SpoutFeatures.java b/src/com/massivecraft/factions/integration/SpoutFeatures.java
index 28eb91d9..f26f5c0d 100644
--- a/src/com/massivecraft/factions/integration/SpoutFeatures.java
+++ b/src/com/massivecraft/factions/integration/SpoutFeatures.java
@@ -194,11 +194,12 @@ public class SpoutFeatures
 		if (viewedFaction == null)
 			return;
 
-		SpoutPlayer sPlayer = SpoutManager.getPlayer(viewer.getPlayer());
 		Player pViewed = viewed.getPlayer();
-		if (pViewed == null || viewer.getPlayer() == null)
+		Player pViewer = viewer.getPlayer();
+		if (pViewed == null || pViewer == null)
 			return;
 
+		SpoutPlayer sPlayer = SpoutManager.getPlayer(pViewer);
 		String viewedTitle = viewed.getTitle();
 		Rel viewedRole = viewed.getRole();