One night, I was partying in central London, near Piccadilly Circus. Running short of money, I set off to find the nearest ATM to withdraw some cash. At Shaftesbury Avenue, I saw a huge queue for one ATM machine, but no one was using the neighboring “hole in the wall”. Assuming that the second machine was broken, I asked one queuing man if it was out of order. He replied, “It’s working, but this one pays out twenties for tenners!”