Excellent, thanks. I will check out those companies that you mention.

As you say I think all bank website desginers must have gone to the same college and been taught by a flawed professer.

I think the biggest challenge for banks is to provide the enormous amounts of information that they hold on us in a clearer way. People get lost at the moment, as soon as banks can deliver information in a more straight forward way the sooner they will convert the traditionalists who insist on doing things at the branch. I am convinced people still feel they have to bank in a branch because the internet solution that banks have provided is just not good enough.