This is becoming a circular argument, Derek. Someone has already pointed out that the chip and signature is a voluntary option, this new gadget is not. It's either use it with sight, or tough. Personally, I'd like the added security that the home chip and pin brings but, as I'm blind, it's not going to be available for me. Barry ----- Original Message ----- From: "Derek Hornby" <derek.hornby_uk@xxxxxxxxxxxxxxx> To: <access-uk@xxxxxxxxxxxxx> Sent: Wednesday, May 23, 2007 10:50 AM Subject: [access-uk] Re: Fw: Response from Lloyds TSB re chip & pin at home Barry said "But, the current system relies on the customer proving that they have not been negligent." Same for chip and signature. It is safer to use chip and pin in the shops, compared to chip and signature, but for those customers bank takes son 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