While merchants need to exercise "reasonable care", the bank's protect themselves, and the merchant pays..
Just wish the same laws could be brought into play in Aussi.. The consumer has pretty dambed good protection.. the retailer is screwed regardless of the level of care taken..
One retailer actually asked for 2 types of ID b4 accepting credit cards.. now here is a laugh.. A major Aussi Telcom.. requires ID b4 connecting a Mobile phone account.. guess whats counts as ID.. .. credit cards.. so with CC and a healthcare card (no Photo on these suckers) bingo someone else pays your phone calls.. oh and if the account app was done via a telco's agent (a Small Retailer) .. the agent foots the bill for the fraud.. if the victem presses the point..

Faudster 1
Customer 0
Telco 1
Retailer -1

hmm I better get off my soap box b4 I really start something..
dopeydadwarf another thanks for your tutorial

Cheers