The cost of developing your own system, not to mention the hardware and annual support costs is significantly higher than using a company that has already invested huge sums of money to ensure security. And don’t forget the lurking liability costs too.

How much more money than the poorest households should Britain’s top earners be allowed to make? As this table shows, the Government is cutting the gap dramatically – and middle-class families are footing the bill.

Does the soul have a memory, or why do I remember being Augustus?

You can forget the bells and whistles when it comes to building an ecommerce site. As the latest Marketing Sherpa study shows, unless you can get your visitors from where they enter your site to what they’re looking for quickly, you’ll be passed over for other sites who do. Ecommerce is not about browsing, it’s about finding – and fast.

If you’re worried about unscrupulous people peering over your shoulder at the supermarket and stealing your PIN number then read on …