Switzerland Direct Democracy

I assume everyone here has heard of Switzerland's Practice of using Referenda. I found a very well written very information and concise explanation of the options Swiss Citizens have to practice Direct Democracy. from Switzerland.com. And I suspect that we all know that Switzerland has banking secrecy adn Washington was trying to get the names of people who had swiss bank accounts but did not pay their taxes, tax cheats and evaders. I just learned that there was concern that this would go before the Swiss people in a referendum.