Hi terambulan, I can see not answering to a witheld in case it's the hospital calling can be a bit silly on my part, but I can't think of anyone who would have me as their 'in case of an emergency' contact, so it's unlikely to be.
The bank? It's probably best I avoid their calls, it's never going to be good news if the bank's calling LOL
LOL, then they get uppity if you can't remember your passcode off the top of your head. You have to remember passcodes with just numbers, just letter, mixture of both......I never remember which one is which and when I ask "is it a word" I get "sorry, I can't tell you that"