Sometimes...failure of pay to arrive on time. . .A few years ago when working for a well known south asian carrier, telephoned the bank and was told "no deposit". Seems the company had sent the fellow in charge of expat payroll on leave with no replacment. Called the company and requested cash NOW...and was promptly sent a sack of (DM) cash with many apologies....payroll was never late again. <img src="eek.gif" border="0">