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I have found a massive improvement in call centres in the last couple of years. Even when I'm talking to 'Susan' in New Delhi. If I get poor service (bank, electricity, whatever) I switch. That said I have been with my 'bank' for nearly 50 years (it used to be The Alliance) so it can't be too...

Precisely. I am struggling to recall the last time I carried cash, let alone used it. Maybe once in the last 5 years?