This is a test. I have a friend who has been a customer of the same bank for the past 40 years. Like me, he doesn’t own a house. Unlike me, he has been thinking about it.

So he rolled into his local bank branch recently and asked to have a chat with someone about a potential mortgage. The staff member pulls up his details, sees a bit of cash in the account and tells him he’s in the wrong place. “You, my friend, should be talking to our High Net Worth division.”

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