analogy of internet banking -- at first it was daunting to use that service but now I never go in branch at all and I'm not alone -- Britain has one of the highest adoption rates in the world for internet banking and I'm sure we'll get there for saving and investing. We only need a fraction of the market to be a giant company. Q:  Your educational content is key to your growth, what's on the roadmap? A:  We know that people care most about important financial decisions, like buying a house or car. We want to inform people of what and why we are investing in things, give them a clear monthly update in a non-obnoxious, easy to understand way so they know where their money is and how it's doing. Q:  You are currently investing in ETFs, could you explain that a little more to the uninitiated? A: It's a collection of investments that track an exchange, index or sector -- so you buy a little bit of lots of different things in order to get diversification.  They are also low cost and 30 years of research proves 75% of active funds (or thereabouts) underperform and not just because of the fees. It's very obvious that trackers and low cost funds are an increasingly attractive way to go. Q:  Nutmeg is using social media in innovative ways to drive recommendations (offering fee discounts in return for social recommendations ). How else will Nutmeg use social media to