Hon MICHAEL WOODHOUSE: —clients—thank you, Mr Bridges—were student pubs in Dunedin. And on a Monday after a busy weekend they would come in literally with a satchel full of cheques, and the cheques were written in various stages of inebriation, usually not for very much—about $10 or $15—and often by the same account holder three or four times during the evening. It was quite interesting to watch: the handwriting changed the more cheques they wrote.