Steve, Because they have to be considered in context! The context being "not being treated at a disadvantage compared with others...." Obviously the principal of being treated at a disadvantage in respect to the security implications is beyond the simple comprehension of some on this list! Colin Fowler Disability Consultant Tel: 01582 483 283 Text/mobile: 07901 573 570 E mail: col.fowler@xxxxxxxxxxxxxx www.social-model.org.uk disability@xxxxxxxxxxxxxxxxxxx ----- Original Message ----- From: "Steve Nutt" <steve@xxxxxxxxxxxxxx> To: <access-uk@xxxxxxxxxxxxx> Sent: Tuesday, May 22, 2007 9:18 PM Subject: [access-uk] Re: Fw: Response from Lloyds TSB re chip & pin at home > Hi Derek, > > Thanks for that, a nice clear explanation. Why don't people get the words > reasonable and adjustment and settle for it sometimes? > > All the best > > Steve > > -----Original Message----- > From: access-uk@xxxxxxxxxxxxx [mailto:access-uk@xxxxxxxxxxxxx] On Behalf > Of > Derek Hornby > Sent: 21 May 2007 20:35 > To: access-uk@xxxxxxxxxxxxx > Subject: [access-uk] Re: Fw: Response from Lloyds TSB re chip & pin at > home > > Colin said: > "You're guaranteed against fraud already provided you can evidence > that you did not purposely allow your online details to be compromised. > So what is the reasonable adjustment there?" > > Ok the bank can say: > "here is your key pad you must use it" > > You can't, because blind. > So the bank says: > "ok as you can't use the key pad we will let you stay with old set-up." > Reasonable adjustment! > I think the point is, the key pads simply are aimed to cut the bank's > losses. > But at end of the day allowing us to stay with present system makes > no difference to us, it just means the bank is willing to take the > extra risk, but only for those that can't use the key pads. > > It's like chip & PIN in the shops. The banks would prefer > everyone to use chip & Pin in the shops, but some people can't. > So chip & signature is available. > But those that use chip & signature, the banks take on the extra risk. > Regards, > Derek > > e-mail: derek.hornby_uk@xxxxxxxxxxxxxxx > > ** To leave the list, click on the immediately-following link:- > ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=unsubscribe] > ** If this link doesn't work then send a message to: > ** access-uk-request@xxxxxxxxxxxxx > ** and in the Subject line type > ** unsubscribe > ** For other list commands such as vacation mode, click on the > ** immediately-following link:- > ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=faq] > ** or send a message, to > ** access-uk-request@xxxxxxxxxxxxx with the Subject:- faq > > > > ** To leave the list, click on the immediately-following link:- > ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=unsubscribe] > ** If this link doesn't work then send a message to: > ** access-uk-request@xxxxxxxxxxxxx > ** and in the Subject line type > ** unsubscribe > ** For other list commands such as vacation mode, click on the > ** immediately-following link:- > ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=faq] > ** or send a message, to > ** access-uk-request@xxxxxxxxxxxxx with the Subject:- faq > > ** To leave the list, click on the immediately-following link:- ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=unsubscribe] ** If this link doesn't work then send a message to: ** access-uk-request@xxxxxxxxxxxxx ** and in the Subject line type ** unsubscribe ** For other list commands such as vacation mode, click on the ** immediately-following link:- ** [mailto:access-uk-request@xxxxxxxxxxxxx?subject=faq] ** or send a message, to ** access-uk-request@xxxxxxxxxxxxx with the Subject:- faq