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@OllieTheWizard
It doesn't work in the normal way there (it's internal), she works at a spread betting firm and her male peers are far too MAMIL'y to get their bikes from Hellfrauds. Basically I get a written quote from any retailer (perhaps in this case an email) and the company finances the first G, I pay the difference upfront and pay the G back over 12 months (well, my sister does).
I.e. I can pretty much get anything