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Thank you John. A good article that gets the grey matter going.

Brilliant. Now I understand where I have been going wrong. Keep up the good work (-;

Welcome back lad. Good to see you fit and well again.

Based on what's happening in the Eurozone I expect they'll have a few more to shred shortly (-:

I agree with everything that has been said by previous commentators. There is no shortage of methods to pay money to charity take, for example, Just Giving or the BBC's Red Nose Day. Significant sums of money is given or pledged without cheques being mentioned. As for large donations these can be paid by CHAPS. I agree with Bo Havald above that charities could do much more, and have greater disposable funds, if they were to look at ways of maximising their assets and become more efficient in their distribution.