Unfortunately, big banks forget that their customers are real people with real lives. They're all about numbers and profit. If you look after your customers properly the profits will come from that. If all you concentrate on is profit, you become immoral and unethical. They are also so complacent that their size will stop the 'man in the street' from fighting them. I really hope that you win this Mr Spicer, if only to show them that ordinary people still have a voice!