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 Limited (informally 'CHAPS Co'). Responsibility for the CHAPS system transferred from it to the Bank of England in November 2017. On the 20th of August 2018 The first non bank institution, ipagoo LLP, joined the CHAPS scheme. A CHAPS transfer is initiated by the sender to move money to the recipient's account (at another banking institution) where the funds need to be available (cleared) the same working day. Unlike with a bank giro credit, no pre-printed slip specifying the details of the recipient is required. Unlike cheques, the funds transfer is performed in real-time removing the issue of float or