well access i couldnt agree more with your sentiments. it just sickens me that they can get away with "false headline advertising". if the 5.48% relates to just year 3 they should damn well say so. lots of them are LYING like this and also hideaway the fact that they drop your money into virtually no-interest accounts if instructions arent received by a certain date. 3 years is too far out for me anyway unless i take a calculated gamble on an account with a penalty fee regarding withdrawals/closure. that said a lot are going for 120 or even 270 days these days. i have elderly parents that are always getting caught after opening variable rate accounts at certain "good rates" - they dont seem to realise that you have to keep moving your cash to maintain a half decent rate these days. there must be many older,disadvanaged folks out there that are getting one tenth of one per cent these days without realising it. its totally immoral. things have got really bad if the money lenders cant make a turn on the cash people deposit without ripping them off.

more power to mr lewis i say !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!