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Although some STH's may decide not to renew, will it be enough to rule out the option though. They may think that STH will not want to give up their particular seat in amongst their mates and gamble by moving the goalposts. The scenario is surely being played out on spreadsheets in the...

Can't see them dumping the 12 month DD facility. But, they may start adding interest over the year :shrug: Then again, they may just carry on as they are. :)