When they attended clinics, hospitals and other healthcare providers, their cards were swiped and their accounts charged at point-of-sale terminals. Changamka pre-contracts prices with medical providers, and takes a 10% cut for services charged. Providers are happy to pay, since the system eliminates time consuming and expensive paperwork.

Andrea Pirlo's wizardry against England

Namba: We panicked. We brought in another systems house and started from scratch. In the meantime, our biggest competitor, Yahoo, came in and started their auction service ahead of us, and they became No 1 in this market. Then Rakuten started. We were able to catch up with Rakuten but not with Yahoo. Yahoo was a phenomenal success. We became No 2, but we had promised our investors we would be No 1. Yahoo was 30 times bigger than us. We also promised investors that we would turn profitable within a year, but it took four years.

Your improvement works should be covered by a guarantee - check your paperwork to find out if you';re covered and how to complain.

Genital herpes: An infection caused by the herpes simplex virus