>> The chip shop and minicabs are the only places where I use cash nowadays
Which reminds me of something filed away in my memory and undisturbed for years.
A former colleague of mine from way back became a bank manager in the Midlands. There was a period when a lot of the fish and chip shops in his area were owned by Greek Cypriots, maybe they still are. His branch had some good connections in this community and he became a bit of an expert on the finances of fish and chip shops. When considering loans to buy or improve a fish and chip business, the accounts (if there were any) were usually a waste of time - they rarely showed the business to be anything more than a hobby. The reality of course was often different.
What he needed to see was the invoices for the fish. Once he knew how much fish they bought he could work out his own accounts, because he knew how many fish they would typically get from a stone.
I believe the Inland Revenue, as it was, used the same trick if they thought somebody was taking the creative accounting too far.
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