I remember following a small towed trailer with some old bins on a motorbike. A pretty normal round bin lid blew off and veered to the side - nowhere near me.
I had time to register it happening but not sure I had time to move much - and I'm pretty sure it could've wiped me out. I paid a bit more attention to loads after that - but I suspect the lesson slowly faded.
That makes sense assuming engineers don't need to practice this skill very often. But doctors need to do fluffy, compassionate every shift.
Nothing about the story makes sense. Doctors and nurses say these kinds of things to patients every day (I'm an EMT, I've watched them do it and I do it myself). I'm seriously wondering if the relatives were responding to the fact that the clinician was visibly reading from a piece of paper and that somehow made it more 'official'.
I have seen police arrest people under section 136 of the UK's Mental Health Act in circumstances where no expertise is needed to see that the person is a danger to themselves or others.
The police then take that person to a place of safety, usually a hospital.
Amex doesn't count - they run their own system end to end and charge retailers stupidly high fees. That's why most retailers don't take them.
As for rewards on MC and Visa, which card are you on? In my experience, either the rewards are very small, or they are for specific retailers only, where the Bank has done a deal directly with the merchant. Occasionally they are a loss leader for the bank, working on the principle that you are
The article is wrong about the UK capping interchange fees. Removing the EU cap was one of the first EU rules that the government decided to abolish after Brexit. At one point it meant you weren't going to be able to use a Visa card with Amazon, you'd have to switch to Mastercard.
The UK didn't scrap the Interchange Fees Regulation; but as a matter of law there became two separate IFRs, one covering the EEA-cards-in-EEA and one covering UK-cards-in-UK
(To put it bluntly, a big amendment was automatically applied to most UK laws on exit day replacing EU & EEA with UK; and of course in the EU the definition of both of those words changed)
Amex is a different model, their customers are card holders and not businesses. In their view of the world businesses must pay to access their customers.
It will be interesting to see Google or Apple's long term play in this market, I would love it if they started providing banking services. Just so it interrupts the currently market where the middle men provide little to no real value to the general public.
Their no fee cards are not their primary card base.
As a vertical provider, they simply charge merchants more, and use that money to look after their customers more so than other majors.
In general try to do a charge back with Amex vs other majors and watch what happens. Amex usually screws merchants more much than other payers, at least in APAC and EMEA. I don’t know American markets as much but I assume the model holds true.
All the rewards I've ever had were points or cashback at or below 2% of spend. These are/were all zero annual fee cards - there might be more rewards at higher tiers.
Probably in the sense that at a slower speed, op would have been able to avoid the bad driving from the other driver. Assuming that OP was driving at 60kph originally, a 15kph slower speed equates to a roughly 0.75 extra seconds of reaction time (assuming braking acceleration is roughly 7.5m/s2). Given that an average humans reaction time is somewhere between 0.25-0.5 seconds, that means 15kph speed difference would have allowed OP to react and affect the situation. Even at higher initial speeds, 15kph gives your more than half a second extra time.
We had snow on my street for about 5 days early this year (not a main road so didn't get cleared). Didn't grind to a halt at all - just needed a bit more care to get to the main road, which was cleared. I drive an ordinary FWD car with standard tires.
I'll take that very seriously in my car too - and back off if I see a badly loaded vehicle. There's not much protection from a windshield.