Linda is joined by Aoife Hamilton from Employers from Childcare and Patrica Lewsley-Mooney from the NI Childminders Association plus Brian Cunnington of Pay.UK talks about a new system that has come into effect this week to fight fraud. And talking of cash Eimear Duffy, Senior Policy Officer at The Consumer Council chats about a new access to cash pilot scheme. We also answers listeners questions on Transatlantic cash transfers, MOTs and unexpected phone bills.