Dave Frew, the shrew...well done on your 'bank' acolade. We have about 18 such awards at HSBC, but we dont boast about them like you as 1. We are used to getting them, and more importantly, 2. We dont care if a federation or council or whatever think we are the best, even though they do, we just care that our customers and the worldwide public think we are. And believe me, they do...