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Dear "A Finextra member" - that's absolutely untrue. The article is not only new but that conversation took place on October 5th. You're either misinformed or using Santander elsewhere than the UK.

Ketharaman and David - I appreciate the dialogue. 

I see - that makes sense - it may be worth adding the sentence "Please ensure your spelling is impeccable as you will not be able to edit" to the "Why not make a blog post instead?" suggestion above.

And even unintentionally taught me something new today: One can neither edit nor delete a comment on Finextra irrespective how much they want to correct it!

You have shapped an industry, Liz, no need to be modest. See you on the same side. 

It displaced my Fitbit and as of today after it has failed where the Fitbit would have been victorious (failed to record 40 minutes of my fast paced exercise class) I am officially sorry it did.