Thanksgiving and Chanukah 2009 (with recipes!)

Our neighbours, whom we met for a couple of minutes on the first day we arrived and have not seen since, left a note for us inviting us to their Thanksgiving dinner. We were surprised but delighted at the gesture of friendship, and after a couple of attempts I found them at home briefly and regretfully declined, as we had decided to go to Santa Clara again, as we did last year, to spend Thanksgiving at Jackie and Bob's. I made a huge pot of pumpkin soup and we drove down in very light traffic. This was more luck than judgement, because I missed the freeway turnoff recommended by the GPS, which had told me to stay left but then expected me to get off on the right. But as it happened, we ended up bypassing the area of heavy traffic by taking the substitute route. It took us less than 2 hours to get there, and was really a very easy run. We had opted to spend the night there rather than drive back in the dark, which made for a more relaxing break given that we are still not all that comfortable with driving long distances in the US.

Jackie and Bob's kids, Alexander and Naomi, about 4 and 2, were sleeping when we got in, and we didn't want to be in the way, so we went for a long walk around the neighbourhood as there were no jobs for us in the well-organised kitchen. The kids seemed a lot less shy than they were last year, perhaps in general or maybe they have begun to know us. Barry in particular is pretty good with kids and he entertained them for a bit when we got back while I tried to make myself a bit useful peeling potatoes.


Jackie's family is Jewish, Bob's is Catholic, and as most holidays in America have some religious association, sometimes not all family members are equally comfortable celebrating each other's special days. So Thanksgiving, the one holiday which is not associated with either religious heritage, is the holiday that Bob and Jackie most enjoy hosting. Last year both sets of parents were there as well as family friends of several generations. This year, Barbara and Larry (Jackie's parents, who live in LA: Barbara is Barry's cousin, originally from London) didn't come for Thanksgiving as it was just a couple of weeks till Alexander's birthday, when they were coming up to spend a few days. But all the other friends we met last year were there again, plus some neighbours. The food was a real treat - we are not aficionados of the dishes traditionally served at Thanksgiving , but the turkey, stuffing, vegetable dishes, pumpkin and apple pies were all absolutely delicious, but subtly different from last year's we thought. Traditional but not hidebound, for sure.

Transforming a dining/living area inhabited by young kids into a festive dining area for around 16 people is quite a task. Folding trestle tables and very attractive, seasonal and sturdy disposable tablecloths and crockery make it a lot more manageable and easier to clean up. The biggest problem is where to store all the leftovers - overflow fridge and freezer space in the garage is definitely needed. After a very pleasant feast, followed by more cups of tea and chocolates, the other guests returned to their homes, the kids went to bed, and we helped clear up and restore the living area somewhat. That done, we broke out Ben and Lissy's wedding DVD and watched parts of it with Jackie and Bob , including some of the wonderful horas (the spirited Israeli dancing which went for 45 minutes) and Ben and Lissy's speeches. We then went upstairs to spend the night on the convertible sofa bed in the study/office area, and slept very soundly.

Jackie and Bob were going into San Francisco to an event at the Cow Palace the next day, so we left in the late morning after breakfast, and this time managed the journey back to Berkeley with no mistakes, again in well under two hours.

Many people go out of town for Thanksgiving, so my choir rehearsals and exercise classes missed a few sessions. But we were very conscious our time in Berkeley was drawing to a close, so we had invited Sonya and Philip and Margaret and Irv to dinner the weekend after Thanksgiving.

You might have read about my friend Sonya Hunt in a blog post from the end of 2008. I spend a lot of time with her , and we often go food shopping after exercise classes. Last year she introduced me to the Tokyo Fish Market, the Cheese Board and the Berkeley Bowl. Philip originates from the UK and renovates houses -he is a great music lover and gourmet with a very British sense of humour still. They have become really good friends, looking after Barry while I was away on the East Coast, taking care of our luggage, offering to drive us to the airport - we enjoy their company a lot. Margaret is a colleague of Barry's from the Berkeley History Department, who specialises in an earlier period of Mexican History than Barry's modern times, and has researched the lives of a lot of rebellious nuns. Her husband Irv was Professor of Japanese History at Berkeley and is retired now, though he is often around the Department and I love to listen to his tales of his childhood in New York with his Yiddish-speaking grandmother.

All of us are foodies, and I really wanted to make some of my Australian favourites, but wasn't sure I could pull it off thousands of kilometres from my usual sources and in a differently equipped kitchen. The menu was to start with some variant of my current favourite salad, with baby spinach and rocket (arugula for American readers), crumbled blue cheese, dried cranberries and fresh pomegranate seeds, and some pecans or walnuts, with a light balsamic vinaigrette, with nice crusty warm bread from the oven.

As the main course, I planned to make a version of my Thai style baked salmon, which I perfected as a festive main course for Jewish Holiday dinners over the seven years when Ben wasn't eating meat. For those occasions I would get a whole salmon, but as we were only 6 and the oven at Walnut Street is not huge, I went to Tokyo Fish Market a couple of days before our planned dinner to see what was on offer and if I could get them to prepare it for me the way I like to do it here. I selected a Canadian salmon that I could see whole and seemed to look pretty much like the Atlantic salmon from Tasmania I am most familiar with. I spent some time describing what I wanted to one of the guys there, who ended up getting a senior fish man to interpret what I was saying. Eventually we understood each other : I was apparently asking for what they know as a salmon roast from the centre of a fish , big enough for 8 slices, cut through almost to the bone on both sides but left in a single piece. I arranged to have it ready for me so I could collect it (and some ice) on the day I needed it, right after my exercise class. I make a kind of pesto with Asian herbs, and stuff it between the slices, wrap in baking paper and foil, and bake it in the oven: when you unwrap it from the oven, the aroma of Thailand is fantastic. I am including the recipe below. As the oven is on anyway, it makes sense to roast vegetable as an accompaniment: there seems to be less variety in potatoes in the US than at home, but I have worked out which ones roast OK, and combined them with sweet potatoes, rosemary and garlic, with steamed Blue-Lake beans as the other vegetable. I am not sure at which point I though to snap this picture: the first few slices of salmon may be gone and many of the veggies, too, apparently A food stylist would have come in handy! Here is my completely original recipe for a whole salmon:

Thai- flavoured baked salmon

1. Buy a whole salmon from your friendly neighbourhood fishmonger. Have him/her cut it through almost to the bone on both sides into slices about 1.5cm thick (or whatever size you think will be good for your guests). If the salmon will fit into the oven whole, leave its head on, otherwise get him/her to take it off.
2. Prepare a “pesto” in the food processor or blender using approximately:

§ 1-2 bunches of coriander, washed and cleaned carefully, including roots if nice, all of leaves, some of stalks.

§ A couple or more fat cloves of garlic, cut into pieces

§ A knob of ginger, cut into pieces

§ A few Kaffir lime leaves, central stem of leaf removed, and cut a bit

§ Some lemongrass cut into slices, use the inside parts mostly and bash it with your cleaver or it will be too fibrous

§ If you want, some Vietnamese mint or Thai Basil leaves (I only add these if I happen to have them on hand)

§ 2-4 small red chillies, seeds and veins removed, depending on how much heat you want

§ just a little bit of oil, light olive, peanut or canola, not strongly flavoured, to assist in the whizzing.

3. Wipe the salmon clean and dry, inside and out, with paper towels. Put the pesto into the slits between the cuts on both sides of the salmon. If any is left over, put some into cavity and if more is left, it’s great in omelettes, with boiled potatoes or use in a stir fry, where it ends up tasting like a green curry, especially if you add a little coconut milk.
4. Wrap the salmon tightly in baking paper (and tie this up with cotton string) and then in aluminium foil, and seal well.
5. Bake in the oven on a tray at about 180-200C for around 45-60 minutes. I really don’t know how long it takes at each temperature. A smallish salmon, maybe under 2 kg, might be done in 45 minutes, a 3 Kg will take more like an hour. No need to turn it over. If it’s done it shouldn’t feel stiff when you lift it up.
6. Unwrap on large platter: Undo the foil and roll it back to contain juices, cut the string and wind back or cut away the baking paper. The smell when it is unwrapped is fantastic and it looks spectacular! Very good hot, great cold as left overs.

Last year when we were living in Santa Barbara Road, I had borrowed a loose bottomed tart pan from our neighbour Janet to make the raspberry marzipan tart that we love. I knew she'd been on a trip to India but she was home now, so I called her up and asked to borrow it again (and also to borrow their air bed a few days later for Ben and Lissy's visit). In fact Janet said she had not used the pan since I last borrowed it, and told me about the one beautiful fruit tart she had made in it and placed on top of the fridge for safe keeping , out of reach of pets and sticky fingers, only to have someone who of course had no idea it was up there open the fridge door and lose the whole thing as it tumbled to the floor. So I made the raspberry marzipan tart again, a day ahead, and made a secure space for it in the fridge. You can see the left over part of it in the photo below - the dinner guests share star billing! (remember, you can click on the photos to enlarge them)


And here is that recipe, modified by me over time from one I originally cut out of the LA Times about 25 years ago, when we were living in San Diego where Barry was spending a sabbatical as a Research Fellow at UCSD.

RASPBERRY MARZIPAN TART

1 ¼ cups flour or unbleached flour

1/3 cup sugar

½ teaspoon baking powder

½ cup unsalted butter or margarine, softened

1 egg

½ cup raspberry preserves

Filling

Glaze

Combine flour, sugar, baking powder, butter and egg with pastry blender or in food processor until dough forms. Press dough over bottom and up sides of greased 9-inch round pie pan (spring form or loose-bottomed fluted quiche tin works well). Spread ¼ cup preserves over dough. Chill while preparing Filling.

Spoon Filling over preserves layer. Spread gently. Bake at 180 degrees C for 40 - 50 minutes or until deep golden brown. Cool 2 hours. Loosen edges. Gently remove from pan. Spread with remaining ¼ cup preserves. Drizzle glaze over tart. Makes 16 serves.

Filling

½ cup unsalted butter or margarine, softened

2/3 cup sugar

½ teaspoon almond essence

2 eggs

1 cup ground almonds (blanched or unblanched)

In a small bowl, cream butter with sugar and almond essence until light and fluffy. Add eggs, 1 at a time, beating well after each addition. Fold in ground almonds.

Glaze

½ cup icing sugar

2-3 teaspoons lemon juice

Combine icing sugar and lemon juice to a consistency that will drizzle thickly from a teaspoon – (this probably makes too much, but add more lemon juice and add to a fruit salad!)

Berkeley, then Tacoma and Seattle, November 2009

After Maguie left, life in Berkeley reverted to normal for a while. One glorious autumn day I walked up Spruce Street from the house on Walnut Street we rented in 2009 to the 2008 Santa Barbara Road house, and took these typical streetscapes and views from the Berkeley Hills.











My routine included my usual four exercise classes each week, Grupito del Norte (the local North Berkeley and Hills sub-group for Spanish conversation evenings), the odd Tertulia (a fortnightly Spanish conversation with some reading to do, and a pot luck supper) , choir rehearsals, and a couple of dinner parties. To prepare for having a few more people round for meals, we moved the larger round table in from the deck, as in the autumn it's a bit too cool to eat outside. There is a sofa in there, which gets the midday sun so it's a lovely spot to sit and read, but we had to move all the other easy chairs into the other living room to make space. The table could seat 6 people, using a mixture of elegant wooden chairs and slightly smaller folding ones, but with the sofa the room was a bit crowded. It seemed easiest to set out the food on the kitchen table and get people to serve themselves -what with all the wine bottles and glasses, the table wouldn't accommodate large platters (and the house on Walnut Street had an abundance of really beautiful large ceramic serving platters, mostly Mexican, which made serving a pleasure).

We had Myrna and Garrett over with Sally and Monica (owners of the house in Santa Barbara Road, up in the Berkeley Hills, where we stayed last year) for a very entertaining evening. I made Aussie style pumpkin soup and a roast of NZ lamb (subsequently I found Australian lamb, which we thought was better), with home-made dips while we were sitting round for drinks before dinner. As Sally was experimenting with a meat-free diet, I wrapped some portobella mushrooms in foil with some garlic, herbs and a dollop of sweet chilli sauce and stuffed them into the oven for her and anyone else who fancied them. As the 2-rack oven was packed with the roast, a large tray of roasting vegetables and some bread in there to warm and crisp (challah, as it was a Friday night), fitting the mushies in was the hardest bit! Myrna brought dessert, a tiramisu cake from Costco, which I fervently wish I had never discovered. I often don't like real Italian tiramisu, maybe the coffee or liqueur components are too strong for me, but this version was divine, and unfortunately there were leftovers which I was unable to resist over the next couple of days.

We also went into San Francisco for another of the walking tours we love - this time the Alamo Square Victorian Houses. I have posted all the photos from the tour and ones we took afterwards as we walked back to North Beach for coffee on the web. (Away from the very pretty Postcard Row there are less photographed and less tarted-up groups of what we'd call terraces at home, which I snapped as we came across them on our more or less random walk back - they are the later ones if you are looking at a slide show from the web site). We learned how to distinguish the different types of houses called Victorian, and Edwardian, heard about some very special ones (several shots show a mauve house - this is where the Menuhin family grew up, though it has been renovated since and I doubt these were its original colours.) Also we saw a large house where Ken Kesey lived , which had gone from being very gracious and in fact serving as a consulate, to a single room occupancy drug squat, and eventual, if very gradual, renovation, and heard various other colourful histories. You can see them here (and in case the link won't open in your browser with a simple click, which for some reason sometimes happens, copy the link and paste it into your browser's address line :
http://picasaweb.google.com/bjoymarsh/20091107WalkingTourAlamoSquareVictoriansEtc?feat=directlink

I also attended a couple of Albany YMCA brown bag lunches, organised jointly by the Y and the library where they are held. (Albany is one of Berkeley's neighbouring suburbs.) One featured a film-maker who had been following a group of young men who arrived in the US as refugees from an El Salvador then at war, who had fallen into gang life for want of social support structures, cultural attachments or family ties. Some of them were serving various jail sentences and as the war had ended when they got out, they were deported - to a country they had left as small children, where they also had no family ties, not many language skills, no cultural attachments - and unsurprisingly, had recreated their LA Gang structure there. He showed us some extracts of his documentary and told us the stories. The other featured Carole Peel, who is a member of my seniors' exercise class. She is a portrait painter and long-term tertiary art teacher, and showed us some of her portraits of well-known folk from the Bay area (including the husband of another person in our class) and spoke about portraiture as a particular skill, and her methods of working. A film-maker who has done a documentary on Carole also showed us excerpts from her film.

We also caught anther play at the Berkeley Rep (we saw Tiny Kushner, a set of short one act plays by Tony Kushner: here is a review, though I don't agree that the final play was the best, I thought it was a bit obvious.

http://www.kqed.org/arts/performance/article.jsp?essid=26208



Barry has a colleague, John Lear, who teaches at the University of Puget Sound in Tacoma, Washington. (Here they are against a backdrop of Puget Sound when we went for a brief walk together at the end of one day's wandering about Tacoma.) They first met at UCSD when Barry was a visiting scholar there back in the 80's. We overlapped in Mexico City during our 2007 stay (when John introduced us to Herzonia, in fact). His wife, Marisela, is the daughter of the Fleites family we have stayed with in Havana, Cuba, and they have one daughter away in college and their other, 10 year-old Soroa, is still at home. We remembered Soroa well from one time they were visiting our apartment in Coyoacán. I mentioned I had family in Baltimore in conversation and Soroa, then aged about 8, became quite agitated and started whispering in her father's ear. She thought we were talking about "he who must not be named" - the infamous Lord Voldemort, the baddie in the Harry Potter books! So much for the Australian accent.

John invited Barry to give a talk at UPS and stay with them - so we decided to make a long weekend of it and become acquainted with the Tacoma-Seattle area. It was pretty cold and grey most of the time we were there - on our last afternoon, when we ate at a restaurant on the Sound, it cleared but I didn't have my camera with me! Taking into account the weather and Barry's need to give his lecture, we spent much of the time in the museum precinct of Tacoma. The former railway station has been recycled as the state court building, and features a glass sculpture by Dale Chihuly, probably the best known glass artist in the US, who is from the area and who has contributed a great deal to establish the Glass Museum . There is a great collection of his work at the local Art Museum, in this precinct also, along with the Washington State History Museum. One day we had breakfast across the road from the station at an upstairs café offering "Australian muffins" on the menu (I hopefully wondered if they had Vegemite to go with them, but they had never heard of it - any more than we had heard of Australian muffins, which seemed pretty indistinguishable from what we'd have thought was an "English muffin". Which reminded me to say something about the dog which is very popular in the US called an Australian Shepherd, which looks a bit like a stocky multi-coloured Border Collie or rather like the dogs we once saw put on a show in the Barossa Valley, which the owner called "Coolies" . This is what Wikipedia says about them:
http://en.wikipedia.org/wiki/Australian_Shepherd

and I am pleased to have them acknowledge that they are an American breed of dog and not Australian at all!) But to get back to the café, they gave us a 20% off voucher for full-priced clothes and accessories from the store downstairs, so we stopped there, and we both really liked the styles they had in the store. I bought a few items for gifts (no discount) and also a woollen embroidered jacket, red on black (already on sale, so no discount) and a wonderful autumn-toned pashmina, even though I rarely buy new clothes these days as my casual lifestyle across two continents doesn't seem to call for much dressing up. I try to get rid of something to make room when I buy something new: I have a few tops that are going into holes which I should chuck out, but they are such favourites (and the holes are so far so tiny) that I can't bring myself to! This shopping expedition was quite unexpected: our wedding anniversary was coming up so Barry encouraged me to buy the stuff, but in fact I can't remember the last time I shopped for clothes for myself with him, but a year ago around the same time of year, he bought me the earrings I liked in Healdsburg, in the Russian River winery district, again as an anniversary gift.

There is a bridge running from the former station to the Glass Museum, lined with a display of Chihuly's works (see the photos above: the display reminded me of the wonderful back-lit display of Swedish glassware they used to have in the David Jones Little Lonsdale Street store) and with a ceiling that resembles a brilliant coral reef: I also shot this piece of video overhead to give you a flavour of how lovely it is. I suggest you turn the volume down on your computer first as a lot of people were talking and there was traffic noise also.






In the rich tapestry of Tacoma's cultural life, there is a Dickens Festival, and we happened to be there over that weekend. Marisela was involved with a Flamenco dance performance and Soroa was dressing up for the Dickens costume event, but we didn't observe any of the performances because on the Saturday they were on, we went into Seattle to have lunch with a Mexican Art Historian colleague of John and Barry's, Deborah Caplow, who teaches at a University in Seattle and also happens to be a distant cousin of Barry's. Soroa and Marisela are pictured here as we saw them in the evening after we got home from our various activities. The other photo is of John and Barry in front of one of the many art glass stores in the very nicely restored downtown area of Seattle. From Deborah Barry got an email address and phone number of a closer cousin he had known 30 years ago but had lost touch with. Once we got back to Berkeley, he followed up and has begun working on a family tree for his father's side of the family, about which he previously had very little knowledge. We also met up with a coupe of friends of John's who were in town for a soccer match, a union organiser and a history teacher, both recently retired . The 5 of us wandered about downtown Seattle and later had a coffee in a former hotel where Japanese Americans had lived before being forcibly removed and interned during WWII, a rather unpleasant chapter in US history (there was a bit about this episode in the State History Museum that we visited on another day. Also some interesting archival stuff, too little, about the Wobblies (Industrial Workers of the World), whose history in the region I found quite fascinating. I of course was enchanted to hear contemporary recordings of old union songs, of which I am inordinately fond.)

On the freeway from Tacoma to Seattle, a journey of about 35-45 minutes, for miles and miles we were driving past Boeing plants and Boeing Field, where they build and test their aircraft. The scale of the facilities was very impressive, and you can see why a drop-off in the US aviation business would lead to massive unemployment and problems in the region. I guess having Microsoft nearby as another major regional employer helps reduce dependency on this one industry.

On the plane and while we were in Tacoma, I was reading a Penguin I got for 25c at the library sale, called "My Turn to Make the Tea", by Monica Dickens. One evening when I was talking to Soroa about her homework and the sub-teen fiction she was reading, she asked about what kind of books I had read when I was young. I explained that from children's books we graduated directly to adult fiction, and how much the world has changed since the 1950's. It seemed appropriate to leave her the book when I had finished it - it describes such a vanished world, post-war austerity in provincial England, rooming houses and writing with pencils, just one unwillingly shared typewriter in a local newspaper office, actors and young couples living in lodgings with peculiar landladies. And Soroa was really chuffed when she asked if Monica was related to Charles Dickens and I was able to say she was his grand-daughter! I hope she will enjoy reading it in a year or two.

Dealing with US Insurance and Banking Bureaucracy

I may have mentioned in earlier posts my sense of desperation at the level of debate in the US about health care reform. Dealing with the insurance bureaucracy has been a real eye-opener to at least one source of the very high cost of health care here. Many Americans seem unaware how far from world's best practice they are here.

Through Barry's job at Berkeley, we are entitled to medical coverage, and as we went through quite a process in 2008 to choose an insurer and a plan, we decided to stay with the same supplier when we returned in 2009. It seemed to me (this is from memory) that what we are paying for the two of us, on top of the University contribution, which Barry thinks is abut 80% of the cost of the coverage, is considerably more than half of what we pay in total for our top private hospital and medical coverage, including all ancillaries (chiropractic, dental, optical, massage, CPAP machine, orthotics etc) in Australia.

It took months for them to get our address correct and send us our cards, though they had other details they could only have got from the very forms we filled out our first full day in Berkeley in the History Department at the University, and the money was certainly being debited from Barry's pay. It seems that some details on the forms go through Payroll, others through the part of the HR Department that deals with the insurers - many players handle the pieces of paper at Berkeley, then many more handle them at the insurer. When calling with an enquiry, the people we spoke to often said they weren't authorised to deal with that piece of information (for example level of coverage, name of our doctor, or even our address), and we had to call another department. I wonder who sold them their computer systems! In fact I sometimes wonder whether they even have them. The first doctors we were assigned to in 2008, far from being the ones we had nominated on our forms and who worked at the University Medical Centre, were in South San Francisco, about 30 miles from Berkeley where we lived and Barry worked. At least this time we got the doctors we nominated, close to campus. Both of us had minor problems (Barry had hurt his wrist and my left arm was not working properly) and as they were not improving we each eventually saw a doctor, had X-Rays etc.

Making my appointment was not easy, but as Barry had pioneered the process a couple of weeks earlier and offered his wisdom, it only took me 3 phone calls to get an appointment! There was a myriad of forms to fill out, and rather a long wait, but the doctor was extremely thorough and referred me for an X-Ray and (based on the outcome of the X-Ray), diagnosed the problem and referred me for physiotherapy. I saw the physio 5 or 6 times, it was easy getting appointments in advance, and he was very good, doing some manipulation and a lot of laser treatments as well as teaching me a variety of exercises. Now if I only did the exercises he prescribed regularly, the pinched nerve in my neck would be improving faster.

Once I got to the practitioner, I think the treatment was very professional, very thorough, and very good. But from my observations while waiting in the office at the physio (never for long), each patient seemed to have trouble over their insurance, and the receptionist and the physios were forever on the phone to insurers or doctors, chasing faxes about coverage etc. The co-payment of $15 per visit seemed about the same level as it is in effect at home, though we don't call it that, and that is all I had to pay, as under the insurance scheme the insurer picks up the rest of the bill, rather like bulk billing.

There is no doubt that enormous amounts of money could be saved by having better systems, perhaps standardising systems and practices, multi-skilling the people who answer phones or having a single case manager for all aspects of a person's treatment.

So much for health insurance bureaucracy. We also have a bank account with Bank of America - one that was established originally about 25 years ago when we were in San Diego for a sabbatical. We started using it as our main account in Berkeley last year, and the change of address seemed to work OK, though they never managed to print any new cheques for us (and it is hard to get by in the US without using cheques. Having transitioned away from paper-based to electronic banking years ago at home, it irks me that so much still depends on cheques. Interestingly, when you deposit a cheque in the ATM, you have to scan the cheque rather than put it in a deposit envelope, then it offers you a form of receipt with a scanned copy of the deposited cheque, but sometimes the ATM can't read the numbers on the cheque so you have to key it in anyway.) People seem to use cheques for trivial amounts of money, and often credit or debit cards also - you don't see so many notices in stores saying minimum expenditure $10 for a card transaction, whereas at home for low value transactions I have the sense we use cash more. Perhaps merchants in the US don't have to pay the banks such high transaction fees for card transactions (I assume this is why they Australian merchants don't like to take cards for low value transactions where the fees eat up their profit) - there is a lot less EFTPOS and more credit card use.

But this year, though the Bank recorded our change of address and at our request printed some new cheques with this address on them, and mailed them to us at this address, they still had our address from last year as our account address. This meant that the only way I could get a credit card transaction to work when paying for something over the Web was to use last year's zip code rather than this year's. Very peculiar, and it wasn't until I enquired about this that the third person I spoke to (after being on hold for ages at the start of the call and between each person), checked the home address on a different system than the one that issues the cheques!

Then Barry got a new debit card in the mail, with a letter saying his old number may have been compromised by some scam. But he could not activate this new card, because they seemed not to recognise Barry's date of birth as correct, as he discovered when he went down to the local branch and spoke to a person there about it. His date of birth has of course not changed in the 25 years he has held the account, so it seems odd no-one had noticed! And within a week or two of getting this sorted out, another 3 new debit cards arrived in the mail, with no explanation at all this time. Rather than once again engage in the telephone marathon, he went to the branch and cut them all up!

Then I had a further refusal of my card over the web, and again it required talking to a number of agents on the phone before one of them had the authority to tell me what had happened (I had apparently inadvertently selected the wrong month for my date-of-birth in this transaction). It seems many different aspects of transactions are managed using different computer systems which don't talk to each other, and the California-based accounts are on different systems to accounts held in other states or transactions done in other states, so no-one has the complete picture. I have not been a great fan of the Australian banks, and was especially peeved years ago when the Commonwealth Bank took over State Bank of Victoria, which had been my bank, and retired the latter's far better (from a consumer point of view) systems in favour of using their own legacy systems, but with this experience behind me I am a lot more appreciative of the relative efficiency of the Australian Banking system now!