There are a number of financial services sector merchants which are unavailable at night - think this is the first insurance co I know of but certainly a couple of the credit card schemes are unavailable for a few hours every night.
Its all down to their old backoffice systems needing time to recover from the activity of the day before
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Never argue with idiots. They just drag you down to their level and then beat you with their experience.
If ignorance is bliss then some of the people I know must be orgasmic.
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