Lee Boyce

You don't have to be a Santander customer, but if you are, you get a discount on the coffee.

It makes sense, doesn't it?

You know, we can promote coffees, then we can save £5 coffees and whatever.

But if you can go into a Santander branch and, as you say, have an open conversation about money or do the transactions that you need and stop for a coffee or two coffees where you get some work done or whatever...

You know, you can see how that can then help keep that bank branch alive, profitable and worthwhile having.

So, yeah, I think it's a good thing.

You've hit the nail on the head there, Georgie, because there's so much pressure, you know, firstly to get homes built, but also the mansion tax thing is shifting habits.

If you're going to do this, though, you've got to be careful because if you sell a patch of land, say for 100 grand or 150 grand, and then that devalues your home by X amount, you're basically wiping out what you have sold that patch of land for.

because your home is not as attractive as it was when it had a better garden and actually it's close to home as well because it happened to my in-laws and the house next door was sold off to a developer and the developer then put in two two houses in the back garden planning permission despite all of the cul-de-sac you know getting together and saying this ain't on they went ahead and did it and there's two houses are there now and the house next door

And then the developer had the gall to knock on their house and ask to buy some of their garden because the gardens that he's putting these two houses on are like postage stamps.

They're absolutely tiny.

So they've got these massive, nice new looking homes, but the gardens do not match the size of the home.

So they look a little bit ridiculous.

Now, lo and behold, here we are.

The houses, the homes have been finished.

I think they've been on the market for more than six months and they're all still up for sale, probably because the garden's

aren't big enough but it's a hot topic people are tempted into doing it but it really does require so much thought and you've got to be really careful

Georgie, I'm exactly the same as you, really.

I had Fitbit probably up to a couple of years ago.

And then I realized how depressed they were making me.