By the way, just in case you - or anyone reading - has an account with Co-Operative Bank I have recently sterted receiving phishing emails with a new twist. I do not have a co-op account so immediately was on guard but I do suspect that many people did fall for it. The e-mail says that you are eligible for a pay-out from Co-Op Bank to the tune of around �75. Now, I think that the dozens of fake messages I get regularly promising Millions are a dead give-away - but as I have contended before, make it a smaller reasonable sum and people will be more inclined to fall for it. Naturally this would not work with other banks (now that would be a laugh,) but co-op being mutual it would be feasible.