At the cash machine

Woman-slumped-next-to-cash-machine-holding-baby: mutter...mutter...mutter
Me(putting card in): No, I don't give money to beggars on the street, please go away.
W-s-n-t-c-m-h-b: mutter...mutter..mutter
Me(peering at screen): Oh for God's sake! Where is my bloody money? Now what's wrong?
W-s-n-t-c-m-h-b: I was trying to tell you, it's not working.