So please do tell us what.

I was actually driving my car listening to an episode of Trap and I was just sitting in the car getting more and more angry going let me speak I want to get on this I want to speak I want to say something this is wrong because of course the guys were saying the obvious which is that clearly all about service levels and obviously having one service level and leading with one service and all the good reasons why it would be a very good thing to do that and of course for lots of people there is a very good reason to do that But equally, there's lots of good reasons to do something completely different.

So I wanted to sort of give that different perspective.

So let's start by saying, and I always start this conversation the same, I want to be absolutely clear in that we lead with full-blown, independent lifestyle financial planning, full cash flow, all expenditure, very based on future assumptions.

That is what we lead with.

That is what we think is right for the vast majority of people.

However, we know it doesn't suit all, and we can give many examples.

And then we're going to come in with some comments and so forth and just interrogate you on it.