ILO Convention No. 95 (1949) concerns the full and prompt payment of wages in a manner that provides protection against abuse. Wages payable in money shall be paid only in legal tender (payment by cheque is authorized under certain conditions). Partial payment of wages in kind (payment in high alcoholic-content liquor or noxious drugs shall not be permitted under any circumstances) may be authorized where this is customary or desirable, and is appropriate for the personal use and benefit of the worker and his/her family. The value attributed to such allowances in kind shall be fair and reasonable. Wages shall normally be paid directly to the worker concerned. The Convention protects the worker's liberty to dispose freely of his/her wages, without any coercion to make use of works stores. Goods at these works stores shall be sold at fair and reasonable prices. The stores shall not be operated for the purpose of securing a profit but for the benefit of the workers concerned, where access to other stores and services is not possible. The Convention also provides that the extent to which deductions from wages are permitted must be regulated and limited. Wages shall be protected against attachment or assignment to the extent deemed necessary for the maintenance of the worker and his/her family. Wages shall be treated as a privileged debt in the event of the bankruptcy or judicial liquidation of an undertaking. Other provisions of the Convention concern the regular payment of wages, the days on which and the places at which they shall be paid, the information of workers in regard to the above, the obligation to prescribe adequate penalties and remedies, and other measures to ensure the implementation of the Convention. Convention No. 95 applies to all persons to whom wages are paid or payable, but the competent authority may, after consultation with employers' and workers'organizations, exclude persons not employed in manual labour or employed in domestic service or similar work