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 the potential for payments to be purposely stopped by the sender, or returned due to insufficient funds, even after they appear to have arrived in the destination account. CHAPS is used by twenty direct participants including the Bank of England and over 4,500 indirect participants (who process transactions via agency arrangements with direct participants). In its first year of operation, average daily transactions numbered 7,000 with an annual value of £5 billion sterling. In 2004, twenty years later, average daily transactions numbered 130,000 with an annual value of £300 billion sterling. In 2010 there were 32 million CHAPS transactions totalling