plunged_ewe

west midlands

Never thought I'd see a Cunk on Earth reference.

Actually, there's a better one for Europe. The Payment Services Directive 2 (PSD2) is an EU directive to allow payments to be done through APIs exposed by the bank. It's essentially a wrapper for a bank transfer. Most new payments companies are just unifying these APIs.

Some counties do it better than others. The UK is very good (with the exception of starling bank). I remember Hungary being a pain.

"Two can play at that game, Saruman the white. Or should I say Saruman the STUPID"

😂 is the most used emoji in England, Wales, and Scotland. In Northern Ireland it's ♥️ yet this is also the most used in the UK. So either the data is wrong or Northern Ireland is pumping those numbers UP.

Tiny11? I'm using win 11 pro on my desktop (gaming). It's been a while, but there's also some URLs to block in your hosts file which disabled telemetry, just in case windows enables it with an update.