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Here it is:

Investments

After 18th April 2011 you won’t be able to top up, view or manage your investment accounts online. 

We apologise for any inconvenience this may cause and want to thank you for your patience as we build a better online banking service for the future. We plan to bring back an online investment service by April 2012 along with more enhancements over the coming months including a new mobile banking service.

Until then, you’ll still be able to manage all of your investments over the phone - we’ll make sure you have all the support you need.

• To top up your ISA Investor call our dedicated team on 0800 011 3632 begin_of_the_skype_highlighting            0800 011 3632      end_of_the_skype_highlighting. Lines are open Monday – Friday 8am to 8pm, Saturday 10am to 2pm.
• For information about any of your other investments, please contact us.
• To book an appointment with a financial adviser for a full financial review.

If you'd like to keep a copy of your most recent valuation, contribution history or any other investment information, please print these off on or by 18th April 2011. We'll continue to send your statements by post so you can keep track of your investments.

$4.50 flat fee in Austin Texas.  Took out $200 not my planned $100 as a result.  I have been upsold by a machine.

We at Gresham have been watching these legacy issues develop since way back in the 1980s. 

It is quite frightening to see the same Fred you sold software to in 1980 still handling the software today, albeit without his fellow 'Fred helpers' who have long since been retired. 

Apparently we don't have to worry too much because the older hardware platforms will end up in the 'cloud'. 

I worry that Fred will end up in the cloud before the software does; at the gates of heaven after 40 years service and leaving no record of what he actually did.

Personally, I'll just continue to use the internet because it feels more human to me - at present interacting with smartphones is just too difficult because they are too small.  The iPad is fine, but anything smaller and I am in real trouble.  My main concern right now is therefore speed of broadband at home.

Look at the Caribbean market and things are very different.  Since there I probably wouldn't have an internet connection at home and I wouldn't be able to use the internet at work, my only resort is the phone for remote banking.  Right now its all about SMS in the Caribbean because the smartphone hardware isn't available.  But come the [second hand] smartphone and things will change.  Banks will need to connect with their customers and that means mobile banking. 

Demographics are important too.

I would pay extra not to have my card declined because I am at an overseas ATM in such disreputable cities as Sydney.  Now that's when they really do have you when you are most desparate!