Alcohol Focus Scotland (AFS) said it was further evidence that minimum pricing will be effective.

BBC: Study claims minimum pricing cuts alcohol-related deaths

Today, AFS providers include check cashing businesses, payday lenders, pawn shops, and prepaid debit cards.

FORBES: Why 7.7% of Americans Are Unbanked

In addition, AFS providers are not insured as depository institutions by the FDIC.

FORBES: Why 7.7% of Americans Are Unbanked

Instead, the unbanked appear to be more comfortable with businesses that they have long used in place of banks, a variety of alternative financial service (AFS) providers.

FORBES: Why 7.7% of Americans Are Unbanked

Xenon Headlamps with AFS. AHBA. Other add ins: Contrast Black Roof, CIimate Comfort Pack, Heated: Front Seats, Windshield, Steering Wheel and Washer Jets, Satellite Radio and ND Radio.

FORBES: Car of the Week: 2012 Range Rover Evoque

After September 11, 2001, I contacted the AFS headquarters in NYC (New York City) to learn how to try to be in contact with my fellow Afghanistan AFSers.

BBC: Have your say: Harry Patch

Fortunately the kind AFS advisor assuaged my unrealistic "guilt".

BBC: Have your say: Harry Patch

In fact, many high schools (secondary schools) around the US support a traditional foreign exchange student club and national organization, the American Field Service (AFS), founded by WWI ambulance drivers like Mr. Patch.

BBC: Have your say: Harry Patch