It took me something over 3 months to find and make an investment because of the narrow time periods for isa transfers. During this time my money was not earning anything for me. The investment I chose has not started yet. My interaction with your staff and web site was excellent. A significant number of your proposed investment organisations appear to have been caught in mal-practice in resent years, which is somewhat worrying. In addition the fall back credit guaranteeing banks in the UK appear, by an large, to have demonstrated by cannot manage funds; thus the extra protection they offer smacks of being illusory. Roland Pullen