"Owain" wrote in message

In a student project in the 1980s on bank marketing I suggested my
'client' bank should have 24-hour call centres to deal with customer
enquiries. I even suggested they be located in areas of low labour cost to
reduce high street branch overheads. What a totally impractical idea that
was.

You're very brave, admitting to be the author of that!

Mary

Owain