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No built in camera or mic!?! Big mistake... if one is going to carry an iPad around then presumably it is instead of a netbook... so one wants to be able to do video calls using skype, etc...

When are Barclays going to put in place the relatively simple technology to allow their customers to make on-line SEPA credit transfers to the EUR accounts of family and friends in any bank all over Europe!!

Absolutely! Maybe people realise the mess we are in is due to years of borrowing too much and just don't want to borrow any more! Its not that the banks don't want to lend, or need to be forced to lend - we simply, and sensibly, don't want to borrow...