> Credit cards vs. debit cards typically have no difference in fees for the end consumer; the one notable exception in suburban NY being gas stations. Thanks f

> Credit cards vs. debit cards typically have no difference in fees for the end consumer; the one notable exception in suburban NY being gas stations. Thanks for clearing that up; I'd wondered if that was the case. > Tipping is only expected at a sit-down restaurant It's interesting; that's what I was led to believe. However, even takeaway/fast food places have tip jars at the front, and I feel pretty rude not biffing a dollar or so in. Which is probably a perception thing; I'm in a position that I can do so freely, and I'm more than willing to accept that those who aren't may be less obliged.