David Geale: It depends on what sort of service they are actually getting. With something like an annuity what matters to you is what you are going to get back. If you are into drawdown-type contracts then yes, absolutely; different providers offer different services that charge differently. It is also about the service levels; it is not just about cost. I would expect the guidance guarantee to help people understand the questions they should be asking to make the right decision for them.