Many people buy ISAs and sales are better made face to face when people's questions can be answered as they arise, rather than in the structured pattern imposed by a computer or a call centre. I do not wish to pre-empt the h Lady's remarks, but I want to be sure that I follow her reasoning. Does she, therefore, conclude that the 1 per cent. Gentleman is encouraging me to abbreviate my comments. He leads me to ask whether the 1 per cent.
Good advice is needed, but it costs money.
One of my anxieties is the difficult position of the Financial Services Authority, which has been invited to produce decision trees to help advisers keep within the 1 per cent.