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@Matt: "Cardholders will have any remainder left on their account refunded via cheque". (my highlight)

Need I say more?

The shame is that it is limited to just using mobile phone numbers. If I could link, say, my Facebook profile, or LinkedIn profile, or Twitter, or G+, or Skype (and so on), then digital payments could be made even more accessible. Now, how do I perform my international remittance...?

Before adopting the world of LEGO, we would be first forced to adopt Duplo. It's a bit clumsier, but we're assured it can do everything we want, even though it can't. Then we make the miraculous leap over to LEGO. Now we really can do all that we want, utilising the global brick standard. But just as we are all consumed within our LEGO world, we get forced down the Meccano route. Essentially does the same, but in a slightly more complicated way. Publicly we will rave about Meccano, but privately with our confidantes we will talk about our preference for LEGO. Ultimately it is about what most satisfies our demands - our demands, not demands artificially foisted upon us, but our demands. LEGO has managed to do that over the years, from basic LEGO sets through to Technical LEGO to Robot Mindstorms LEGO. Fundamentally the same, maintaing the underlying user experience, but evolving with the times, keeping up with our demands. Which I think, Liz, is saying pretty much what you are.