Bath, Somerset Dr William Oliver, physician to the Mineral Water Hospital in 1740. Oliver was an anti-obesity campaigner and author of a ""Practical Essay on the Use and Abuse of warm Bathing in Gluty Cases"". In more recent years, Oliver's efforts have been traduced by the introduction of a version of the biscuit with a plain chocolate coating. "Bath Chaps", the salted and smoked cheek and jawbones of the pig, takes its name from the city and is available from a stall in the daily covered market. Bath Ales brewery is located in Warmley and Abbey Ales are brewed in the city.
CHAPS and the low speed of free transfers (such as BACS) was a subject of controversy in the UK, until immediate transactions became available from the Faster Payments service. Problems can arise from delays, e.g. when an exceptional workload at a bank results in the money being cleared too late in a working day to complete related transactions, or inadequate instructions, when a bank is not given sufficient information to know where to credit the money, or in human delay in operating the machines. the CHAPS participants are: CHAPS clearing information relating to UK banks may be found in the Industry