Any question answered...

Genesis Equilibrium?

This. Got the 20, could not be happier with it...

the smallest equillibrium has a 54cm ETT

Id need a 70mm stem. less than ideal..

You need something like 51-52cm TT then?

Two banking questions:

1. How much of a faff is it to change banks?
   
2. Which ISA should I be using this year?
   

Are there credit unions in the UK?

52 ideally and I can run 90-100 stem

Isla bikes, kiddy size.

Are there credit unions in the UK?

Yes, though I've no real experience of them. I just looked and this http://www.creditunion.co.uk/ISA.htm has a 3% ISA, which is basically untold riches in the rip-off world of savings.

I mentioned that because out here, as the banks abandon inner cities and regular people with their paltry sums of savings, the credit unions seem to be stepping in. I like that there is a bit more local control on where and how the money is invested. Of course, being co-operatively based, the profits are returned to all of the members.

I like the idea of co-operative banking (I am planning to switch to the Co-op) but their ISA offers fuck all, or more precisely, 0.5%.

My only qualm about anything too local is that I only really access my account online and will never go into a branch, particularly if it is close to my house rather than my work. Basically I'm looking for ethics + convenience + interest rates. Surely it's not too much to ask...

I can access my accounts anywhere in the cosmos as far as that goes.
Interest rates don't affect me much as I don't have enough cash for a couple of points to make a difference with. I think that long term saving is more important than good rates that may jump around and cause one to focus/fret too much on/about your money.

What now?

This

I like the idea of co-operative banking (I am planning to switch to the Co-op) but their ISA offers fuck all, or more precisely, 0.5%.

My only qualm about anything too local is that I only really access my account online and will never go into a branch, particularly if it is close to my house rather than my work. Basically I'm looking for ethics + convenience + interest rates. Surely it's not too much to ask...

I bank with smile [HA!], and just moved my ISA from Nationwide who were appalling, to Santander. Best options always listed here:
http://www.moneysavingexpert.com/savings/best-cash-isa

Just found out I'm best man. And have to give a speech. In less than 24 hours.

Any tips?

Start drinking now.

Start drinking now.

Been here (in the states) 3 days. Haven't stopped. Not sure if jet lagged, or just drunk.

And it's so damn hot.

Keep drinking.

Do you even know the groom? Can you be sure he's not just a booze-induced hallucination, I mean?

Do you even

Does everything begin with this now?

Do you even know?

Does everything begin with this now?

Not everything. My foot is about to begin with your balls, very soon, for eg.

Not everything. My foot is about to begin with your balls, very soon, for eg.

Not everything. My foot is about to begin with your balls, very soon, for eg.

Amazing

Just found out I'm best man. And have to give a speech. In less than 24 hours.

Any tips?

Stories involving getting drunk and falling over, OK.

Stories involving taking mushrooms and rodgering midgets, not OK.

Just say shit that makes Henry look bad and Emily look good and how you're all pleased that Emily has made Henry better and everyone is now happy families.