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Thanks, guys. I can see the reasoning behind the PO's position.
Interesting what you say about the Lottery, dzug as up until recently I could buy them at Somerfield's on a CC, but not at a local store for the same reason you give for the PO. However, when I checked at Sainsbury's, I was told it was still possible...must double check that one.
In a Pickle.....my OH is rather against doing anything that involves money on the Internet, so I'm a bit stuck on that one!!!