tota You sure like to confuse the heck out of the visually impaired lol Not to everyone's liking but my solution is.....don't use money....charge it to plastic and pay the closing balnce each month. All my bills are direct debit. I realise I pay a surcharge on the direct debits but the convenience of not dealing with payments is liberating. Even phoning an automated system will incur the phone charge. No hassles with queues. I only use cash at drive through junk food places, just don't trust the places, been targets of card skimming.