So far this year two big UK banks - Barclays and Royal Bank of Scotland - have started issuing card readers as extra security devices to customers who use their online bank accounts.
It seems like this year every time we were ready to break to the downside or upside of the larger range, those looking for that extra trade or follow through move have had to deal with a quick reversal, leaving some trading accounts eating the turf.
According to the association this extra work is unnecessary as many grants have already been examined during the audit of councils' annual statement of accounts.