function bca_make_transaction($denomination, $fromAccount, $toAccount, $amount, $options = array())
 {
     $t = new Transaction();
     $t->setFromAccount($fromAccount);
     $t->setToAccount($toAccount);
     $t->setAmount($denomination, $amount);
     if (isset($options["notice"])) {
         $t->setNotice($options["notice"]);
     }
     if (isset($options["confirming"])) {
         $t->setUseConfirming($options["confirming"]);
     }
     $t->perform();
     return $t->id;
 }