Nutmeg

I think what we are doing in the UK is pretty market leading. The regulators are clearly focused on this topic and regulations will come. But I think what Nutmeg has done is well over and beyond what was needed for the time. Let's take another question from the audience. Simon, he says you don't seem competitive for savings. For example, crew is offering a better return on just a current account. So why should consumers think you'll be competitive on investments at a challenge? Yeah, so I think first of all competitive is the way I would define competitive for our customers is what do you get for that particular rate?"