It's been coming for a while. America's had it for ages and we've hard parts of it for a year or so. No wallet, no worries. No card, no problem. Use your mobile to withdraw cash from an ATM or head to the Hey you app and start sipping...
Editing iphone photos fast is not a skill I possess and a good iphone photo is all in the editing. That much knowledge I do possess. As I go from exercise to school to daycare to coffee, to bashing at the keyboard, hanging out the washing and sorting out...