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They pay 90-120 days after guests leave I believe. And yes outrageous that hotels are trying to make guests pay, especially as ATOL covers the suppliers too I thought.

Banks going under would be catastrophic. Where do you draw the line on bailing out businesses - who would and wouldn't be eligible? And TC business model wasn't working. They could be bailed out for £200M to keep the lights on but they'd be in trouble again within 12 months.

Are package holidays a premium? My parents use them for 50% of their trips and one example was Montenegro recently - they paid significantly less for the same trip, booked at a similar time than a friend who booked it separately (same hotel, flight etc)