Something else rarely considered in these discussions is that the cost of handling cash is upwards of 4%, particularly for larger operations like supermarkets. Someone has to be paid to count it, wrap it (or the bank will charge you to do that), often you have a security service pick it up to bring it to the bank which costs money, and of course there's theft of all sorts possible, cash is cash, counterfeit bills, etc. I guess it's a sunk cost so hard to factor into any single transaction, but it does add up or did back when most sales were cash. Until the early 90s (or thereabouts) it was illegal by state law to take credit cards at supermarkets in Massachusetts for example tho checks w/ id were ok, pain the neck, I remember it well. -- -Barry Shein The World | bzs@TheWorld.com | http://www.TheWorld.com Purveyors to the Trade | Voice: 800-THE-WRLD | Dial-Up: US, PR, Canada Software Tool & Die | Public Access Internet | SINCE 1989 *oo*