Highly charged current accounts
Do you know how much you're paying for your current account?
According to bankers appearing before the Treasury select committee at Westminster today, people are well aware of that. It's not a problem.
But asked how much one of those bankers is paying for her own Lloyds account, the bank's executive director of retail couldn't say.
Brian Hartzer, her opposite number at the Royal Bank of Scotland, told MPs that the cost of funding and managing overdrafts for its customers is actually loss-making, which left the committee chairman a tad incredulous.
After all, it's reckoned that banks made £9bn profit last year out of running Britain's personal and current accounts.
The direction of travel for the committee is towards more transparency in current accounts, which looks like leading to the end of the myth of "free banking". After all, around half the profits being made on current accounts are from those who have their accounts in credit.
But Hartzer says there's already a high level of churn in the market, as 9% of current accounts are shifted each year, but that customer inertia rather than a lack of transparency is the problem. He went on to argue that people prefer simplicity in their banking.
Driving this was Benny Higgins, chief executive of Tesco Bank, also headquartered in Edinburgh, expanding fast and moving towards a launch of a current account offering. He says the reality of bank switching is actually closer to 3%, largely down to a lack of information to customers.
He was keen to stress how many customers told the Office of Fair Trading they wouldn't want to switch account providers again, and many more who wouldn't recommend it to others - conceding that the problem may be due to vendors handling direct debit agreements rather than the banks.
Tesco Bank is also targeting what it sees as the arrangements by which the existing big four banks - controlling 73% of personal and current accounts, with even more concentration in Scotland - in sharing information on customers' credit.
Stephen Hester, chief executive of the Royal Bank, was quizzed on whether he had anything to learn from the Financial Services Authority report - published last week - into the near-collapse of RBS.
He hadn't read it, he said, arguing most of the information comes from RBS in the first place - so why would he?
So he wasn't able to say if he would have any problems with that report being published. So far, the FSA has said it won't.
"Sources close to" Sir Fred Goodwin, the former chief executive, have made it clear that he wouldn't mind, having been cleared of wrong-doing.
Now, with Business Secretary Vince Cable urging the FSA to publish, we're waiting to find out if the RBS would object. It's not yet saying - at least until Mr Hester takes up the Treasury committee's invitation to read the report and get back to them.
Mr Hester was a bit clearer about the state of play with RBS's exposure in Ireland - a few hours before the latest brutal budget in Dublin's Dail.
The answer is a loan book of around £50bn - 40% of which is 'non-core'. That's not to say it's going to be marked down as loss. Losses are "significant", yes. But the 40% is the unsustainable bit of the Ulster Bank subsidiary that went far too far. The target is to run off that loan book, down to £30bn or so.
"There are no investment bankers anywhere near this in Ireland," Hester stressed. "This is bog standard lending that went wrong."