Today, friends and neighbours talk to each other about financial services products. For example, they discuss pension arrangements, savings plans, household insurance, arrangements for buying a house, ways of saving money for a “rainy day”, for children to go to university – and many other topics. The successful organisation depends on its existing customers becoming advocates for its products. Advocates can only be created by ensuring that existing customers receive the best value for money. This is an area in which Britannia has been particularly successful at in recent times. Contented customers have been the best advertisement for the Society.