One lump or two?

As fields of sheep zoomed by, I pondered how different my travelling experience would have been had I needed to buy a separate ticket for each leg of my journey. I have no idea how the various train companies reconcile their costs, but as a consumer of their services, I don’t need to know. My only concern is that the whole experience is as easy as possible, and there’s a seat and a hot cup of tea available onboard. This is an interesting example of how competing companies in an industry can collaborate for the benefit of their customers. In the financial services industry, providers have ...