Hi All, My husband Chris has just found a definite glimmer of hope for us all in this dreadful credit crunch and I thought I would let you all hear about it too in a very brief summary. He was reading about ZOPA on Yahoo Financial News. There also have been articles written about ZOPA in the Financial Times, the Guardian, the Independent,and and the Telegraph. I think the best explanation about it, is the Guardian link on the ZOPA website. It certainly sounds like a fascinating savings concept. TTFN Sally, Skype name lizwool133