The introduction of chip and PIN credit card payments has meant falling tips for waiters, according to the British Hospitality Association (BHA). The old system left a diner free to fill in a credit card slip in his own time, adding an appropriate gratuity, whereas the new system forces an instant decision under the waiter or waitress's nose. Larger restaurants can avoid the problem by moving to a service charge, but waiting staff at smaller restaurants are feeling the pinch. The BHA says tips have fallen by as much as 15% since October 2003. The Times 24/9/05 page 2, page 23 (Editorial)