Back in the 1960s when I worked on a farm we had discussions about which were the worse: Insurance companies or Banks. The conclusion at that stage was Insurance companies because they sank the boot in when you were already in trouble. In 2017 we found our Insurance Company was very helpful in dealing with the bushfire. However I have just has an experience with our bank - Westpac - that puts that industry well in the frame for needing some serious attention. It began about 4pm when I got an SMS directing me to activate my new Mastercard as my current VISA card would be deactivated in about 5 weeks time. This was the first I had heard about getting a new credit card although we had heard that Westpac were switching from Visa - presumably they have a more profitable deal. I thought I had better ring Westpac as: They had probably sent the cards to our Canberra address which, thanks to COVID, we can't currently get to; and I needed to give them the rounds of the kitchen for making