Can I bring this thread back down to earth by saying that I don't use spreadsheets which is why I can only use reviews posted on this site for any stats and I also DON'T have a smart phone and have no intention of getting one.
I wanted to make an online payment into my nephew's bank account last week and found that I couldn't as I need a card reader, so much for "convenient" online banking. If this stupid card reader device is Wi-Fi then I'm stuffed as my Deskstop PC is linked directly to the phone. As Blur said in the 1990s "Modern Life Is Rubbish". I look forward to the day when a huge Solar event knocks out all the satellite communications!