Oct. 11--If you think Swiss bank accounts are for billionaires and have no application to your life, you're probably like most people.

Known for their secrecy, for generations Swiss bank accounts and other offshore financial harbors have been used by the wealthy to shield their money from prying eyes. Most working stiffs need every nickel they earn just to pay the electricity bill and buy shoes for their kids.

But rich or poor, everyone is supposed to pay his taxes.

Thursday, Oct. 15, won't likely be remembered with the Tax Day trepidation of April 15, but it is the deadline for Americans who hold Swiss bank accounts to come forward and self-report the income they've been hiding. If they qualify for the IRS initiative, they'll be able to pay their back taxes, including penalties, and move forward without facing criminal charges.

If they fail to take advantage of the program, they'll face criminal prosecution. Criminal cases already have been prosecuted from Miami to Seattle.

Given the fact the names of 4,500 Americans have been obtained by the IRS from the United Bank of Switzerland, some of those account-holders are bound to be Las Vegas residents.

Not that Paul Camacho, special agent in charge of the Las Vegas IRS office, is acknowledging that.

In a carefully worded statement, Camacho said, "We've seen a dramatic increase in the number of voluntary disclosures since the initiative began. Individuals from every state in the nation have come forward and taken advantage of this program.

"I'm not at liberty to break down by state how many each has received. Interestingly, though, we have received voluntary disclosures from every continent with the exception of Antarctica. Maybe by the deadline we might receive one from there."

Perhaps a few Las Vegans will come in from the cold, too.

The IRS used a so-called "John Doe" summons to obtain information on possible tax fraud by people whose identities were unknown. Suffice to say John Doe was quite a hit at United Bank of Switzerland, which eventually turned over those 4,500 names.

The IRS gained enormous insight into the Swiss system in June 2008 when former UBS executive Bradley Birkenfeld pleaded guilty to conspiracy to defraud the government. Birkenfeld assisted many American UBS clients in avoiding U.S. reporting requirements by helping them create offshore shell companies that concealed the true ownership of their bank accounts.

Following his conviction, Birkenfeld swore UBS held upward of $20 billion in masked accounts for U.S. citizens.

These days, the masks are coming off.