You could use a pidgeon ard.

>Villan it`s a good job you are not in charge of Aston Villa or they would be bankrupt<

ard, I have enough problems watching them, I don't know about bankrupt, they drive me to despair.

>As for online banking, I'd never trust it. Banks these days are quite capable of screwing things up even without that extra way of doing it.<<

I check my accounts everyday, and if I suspect anything untoward, I notify the bank immediately. Never had to do that so far in 10 years.
You have to be careful who you deal with on the internet. I always make sure the website has a telephone number in case of problems and I call them the first time I deal with them, just to check them out.
I also have never used hotmail or anything like that. You just have to be wise to what you are dealing with.

Howveer I have had the fraud squad get in touch with me to check out certain transactions.

The system works very well if you use it properly.

>Postal workers don't vote to strike for fun - they've been pushed in a corner by incompetant management, and feel they haven't any option<

How do you know that?