I suspect we are all creatures of habit and I was reminded of this when a friend commented on my placing a bottle top in my pocket rather than discarding it as there were no litter bins around. He wondered if this was an age thing. Maybe it is, but it was the way I was bought up.
We act for many smaller businesses and are finding the late payment culture is not an exclusive of high street retail corporate's. They would never allow you to take goods out of one of their store on credit and are simply using their suppliers as substitute banks. It's cheaper for them to stretch payments times than borrow even at the current low rates.