Direct democracy is a form of government in which all laws are created by a general vote of society.
The term is microFICHE - there are no FISH swimming around the bank. Banks do keep records on microFICHE, for 7 years, but once an account has been closed, they generally dump the records after 2 or 3. I have fish in my office at the bank. Just to make it crystal clear.
This is based on the Money Laundering Regulations 2007 requiring the retention of records of customer identity and the business relationship for 5 years, with an additional year added to align with the standard period for the limitation of legal action relating to contracts.