Lose default argument for TimeOfDay/Date/DateTime Format() method - cuz I'm not sure about eCurrentLocale_WithZerosStripped versus eCurrentLocale - and adding a default can be done later when we are fully clear. I think eCurrentLocale_WithZerosStripped maybe a kludge - so wait til I've mulled it over. And in Memory::Variant, use iso8601 not current-locale format