I don't know why they bother giving us the option of
not having it, in Scotland!
Rolfe.
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Because the Scots are usually tight with their money?! :p
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I am not a Scot, but your comment is absolutely unacceptable and wrong.

The Scots are the kindest and most generous people I have had the pleasure of dealing with and doing business with. They are an honest, effecient, well educated, very hard working and very warm people.
You really should apologise to Rolfe.
Shame on you.