IMO this is the last good buying opportunity before we see imminent news on internet bank and mortgages being announced, once this comes out which I have now been told is january by the bank, this sp will be history. in laymans terms just look at how much logically the value of this company and its share price will increase in having both such facilities. I have also opened an account with them and I have been happy with the service. I hold a large chunk in this company and am happy to hold and would add if more funds become available. All in my opinion and please DYOR. But to me this is the last chance to get on board.