As you are well aware, Sir, The Bank has been considerably worried about the lack of funds in your account recently - in fact in would be no exaggeration to suggest that you have been spending almost twice as much as you have been earning recently; or indeed, if you yourself have not been spending so much, but an agent of yours has, then you must look into the matter urgently. It has come to my attention that one or two of your mechanoids have had electronic access to your card and bank account. The Law regards such mechanoids as surrogate children; children in that they, just as children, must be taught how to behave in human society and must learn the difference between right and wrong. As children, therefore, they must have a legal Guardian acting in role of Parent. The Law will regard you as that parent; and hold you personally responsible for any infraction of the Law by your 'children'. Added to which no Bank will refund any monies taken from your account without your knowledge since those who are taking the funds are minors in your care and not strangers. Until such time as you get your accounts in order you will have no access to credit card or bank card facilities, though we will be prepared to waive the interest normally charged by The Bank on overdrawn accounts for the next month. (Summoners Secret-Study)