... and you walked into your friendly local bank, what were you guys getting in terms of deposit/loan rates from your high street banks? Also, out of curiosity, how much tighter are the spreads that banks get now that rates are at a more historically realistic level? Having lived in the UK all my life, I've never seen the realities of such a low base rate. I suppose what I am getting at is how cheap are banks prepared to let money go at and whether there is a difference in the money they make from the spread when the target rate is at high/low levels. Any info and opinions appreciated.