And back on topic, it just shows how out of touch with the real world our politicians are. As a sole trader, dealing with members of the public, I often get paid in 1 of 2 ways. Cash or cheques. The banks want to do away with chqs, and the Govt want to do away with cash.....so we will all be forced to carry around some sort of portable chip and pin device, which the banks will of course charge a fortune for.....