And 'THE SCOTSMAN' newspaper, and basic maths, and all economic theory, and logic. Gibbsy, the problem in repeating the request for proof is that we're addressing a hypothetical situation and at some point you have to think beyond what you have been told in a leaflet. You have to apply logic, mathematics and economic theory to get to a conclusion. This is where there is a problem in your argument, you don't seem able to apply any process to come to a conclusion. It may be that you can't (no shame in that, not everyone is good with figures, mathematics and economics) or that you know the conclusion isn't the answer you want.