Most businesses have to pay an annual fee for an overdraft facility don't really see why individuals are different.
You are paying for a facility that will save you quite a bit if you go overdrawn without it, bit like paying a sub to the AA really
Maybe its because we were still in the FA Cup when the fixtures were re-arranged and Tuesday was kept clear for the Tranmere game if we played in the Cup on Saturday or yesterday
When the Mosaic idea came up they decided to put it up a wall which was originally designed for the bar area, there wasn't any other area in the ground left.