Truly you have a scottish tight-fisted financial sense sir. I applaud you! I am myself of the same opinion, though not in this particular respect. The other day I refused to use an ATM because it wanted to charge me £1.53 for the pleasure. Instead I walked over town to find the best deal- one that only charged me £1.50 to get my own money. Some people call it cheap skatedness but you and I call it good economic sense. Again sir, you have my approval.