but er i would warn you about er er accounts which obviously tie your money for a lot longer than maybe six months or a year  because you're always at the mercy of the er of the er building society then if their rates turn down or if you want access, you've got penalties, and i think if, there's no point in chasing interest rates through building societies generally, because if you take an average over five years, there isn't a lot of difference between one society and another.