Our bank has its own auto-pay that I can still edit quickly and easily on my phone. Phone + internet = frequent chas, but this works great, and I have been using it for 20 years.
And a pretty big owl. It has a wingspan of about 4 feet, which is huge if it flies over your head, and like other owls, silent in flight. We used to hear one in a tree near our old house, and if the window was open, we could hear replies from other owls.
Those British bakers are devious.