You've not done it wrong, Rosemary, apart from the mad security questions, the Scottish system is simple. The security questions threw me though, fine doing it for yourself, but when you are doing it for someone else's business and you get to the bottom of the pile of bills and find the wee postcard telling you to register with a post-it stuck on saying 'sort this out' it is a bit more of a challenge - yes, I do know your date of birth, your bank details, your holding number, your business reference number, but I do NOT know what colour pants you prefered when you were six, or who your favourite teacher in primary school was!