i have to agree with you, Richard, as another having had to take early retirement through a back injury at work, I know how you feel.
however, having been a developer of a model kit some years ago, I also can speak from that experience also, and i'm sorry but Davids agument doesn't wash either.
as Martin says, it takes a lot of money and time, plus charges from other sources for these traders to even set up credit card facilities, and for someone to come up with a statement that the "credit crunch" is just a statement to sell papers makes my blood boil .
try telling that to all those loosing their homes because they can't afford to keep them, and ask them if the credit crunch is just a term to sell sodding papers
GET REAL, DAVID S ,You have absolutely no idea of the situation in the UK if those crasse' comments that you can come out with are the best that you can muster.
May be you're all right in Finland, but over here there are pensioners who are starving because they can't afford to eat???.
And you're ANNOYED because you can't order on line and so have lost Model Slipway an order!!!
I sadly pity you for such an unfortunate predicament to be in!! :'( :'(