35 and bit years enough ??
http://www.thestalkingdirectory.co.uk/showthread.php/126837-Introduction
Forgive the confusion when you refer to yourself as a newbie in your introduction and mention you're just applying for your FAC!!
Everything you are saying relies on having a computer and the Internet, all the time, some people have a bad Internet connection, some people believe it or not don't use the Internet or have a computer. Only ever carried out one transaction at a public location, a service station, with a serving traffic officer no real issue!!