The beautiful thing about Xero is that you can collaborate with CloudCounting to get the reconciliation done. We encourage our clients to introduce as many bank rules as possible, but if you are really stuck it makes sense for you to add your comment, such as “I think this should be a plant and equipment expense – do you agree? What tax code should I use?”, and wait for our instructions before finishing the reconciliation. To do this you use the discuss tab of the cash coding screen. A great idea!