The Banks do the same thing here. If it's on your list Little Hawk, They do it here too. My wife works for a bank and the question of the day is "How come you're not getting as much done in your branch?" The answer is, of course, "You keep cutting our staff>" And by the way, it's already happening. If you follow the news about the "Budget surplus" It's disappearing rapidly if it isn't already gone. Of course as you pointed out so eloquently This is going on through out the world. and the budget surplus was only on paper. I fear we will all feel the effects if the banks aren't stopped. Kindest regards, Neil