to the move-out date. The whole deposit is then returned to the tenant, minus any deductions deemed necessary. These are held by an independent deposit scheme until after the move has been completed. They can then be disputed or agreed and used by the landlord for repair work. That way, the tenant at least has some immediate cash to put down on the new place and the landlord is no worse off. This system is still open to abuse by greedy landlords, but it seems a great deal fairer. Which is why, sadly, I doubt it'll ever to catch on. In fact, they??ve flogged so much that many of us now walk into a branch figuratively blocking our ears and singing ??la-la-la-la-la?? school playground-style ?? just to drown out the marketing spiel. Still, there will be people who get talked into taking out a loan or insurance they really don??t need. So it??s heartening to hear at least one bank ?? the Co-op ?? has decided to ditch its sales incentives. No longer will staff get up to 3 pc of pay (a small amount relative to the rest of the industry) via bonuses for offloading all sorts of products. Now they will get up to A400 every three months for providing excellent customer service. Elsewhere, new rules will ban commission payments to bank advisers from investment, pension, and insurance companies on all financial products from January 1, 2013. More on this in my colleague Tony Hazell's excellent guide to