All true and you're preaching to the converted here, but amongst the general public, I worry about the ever increasing and ill informed adverse publicity especially in national media such as The Daily Mail, This Is Money etc. by people like Jeff Prestridge, who should know better. I wrote him a stinking email recently in direct response to one of his most recent articles - he writes such utter rubbish, but there is a serious concern that perception has gone too far already in the wrong direction