I’d never signed a credit or debit card in my life until I travelled to the US last year, and then I only did it because I’d heard stories of places confiscating cards if they weren’t signed. Don’t know how true they are now but I wasn’t risking it.

9.30, which works well for me because I’m not awake enough/caffeinated enough before that to be able to be coherent or have much idea what I am doing that day. Although often I don’t really see the point in them when our team is so fragmented and working on loads of different projects.