Thank you for going through my post, but am not saying we should go back to Centralization, am only suggesting that a touch of Centralization should be added. For example a customer care service that would see to some issue that is being neglected in this system, but is very important. I don't know if you have did a little mistake in your transactions before, if yes how did you feel. All we want to do is to make the system better. From my write up you would see that I don't like the Centralization system.