Artashes - you are a good man.

permutations - let me try and clarify the point system for you. If you have further questions, fell free to ask and I will put some effort into making you understand. I am sure you are not the only person who would like a simple, concise explanation.

First of all, we are required to have 'points' or 'credits' or something because the purchase is being made from us, not the merchant, and we have to explain that in some way. PaySystems has determined that the most effective way of relaying that to the public is through the 'points' system that we are discussing.

Now, for weaseling out of liabilities I wouldn't say we are weaseling; we simply will not be held responsible for the product. We take liability for the payment, but not for the product. Therefore, if we have a BBQ retailer selling barbeques and one of them explodes, the liability is left with the manufacturer or the retailer and that liability cannot be shifted on to us. (We don't have any BBQ retailers )

Let me know if this makes sense...

Cheers
James