In NZ, you used a code for almost everything. Signing (in my opinion) is one of the most stupid things in the world, because not everyone checks (and apparently, according to what you guys are saying, even less people check over in the US) and they're actually not that hard to forge. You don't have to be perfect at it, just enough to be a variation of the original signature. I think it's awful.

The UK has been doing a few trial runs with using codes instead of signatures, and I hope they make it standard really soon because I really don't like having to merely sign something when I spend huge amounts of money. All I had to do to buy about £800 worth of PC equipment was sign a couple of pieces of paper. Yeesh.

I also hate chequeueueues with a passion and think they should be made redundant worldwide. Every single transfer I do is done electronically or at the bank.