None, but they still do. When I started work, i got paid in cash. Then was forced to open a bank account as employers were instructed by government to stop such payment. Plenty of other examples. In order for the Revenue to pay my rebate into my account instantly I have to have a passport, as I haven't, it takes 3 months to get a cheque. Morality and ethics have absolutely nothing to do with contract law, or what one person or business can do to another, which is probably lucky, really, as no two people have the same code. Contract law, interestingly (or at least I think it's interesting) is the last remnant of the feudal system which it is based on, so it's simply what the person higher up the food chain CAN do, nowt to do with should or ought.