Many of the mortgages with high fees fall into categories of semi-commercial such as buy-to-let, or are sub-prime, for people with previous credit problems. Those mainstream products with high fees usually have a great headline interest rate to entice the clients in.

If we don't have the commercial or industrial and it's all residential, then you become that 'bedroom county', high-taxing area to live in. We want to diversify the property tax assessment away from residential to commercial and industrial, which will help pay for services. Then, growth is good.

That means if you buy only what you need every week, you overspend on 13 out of 15 categories. We teach people to stockpile when things are on sale.

It is just another of our selections for customers in all categories ... whatever you want to buy, you would be able to find it on Amazon.

Experience is a good school. But the fees are high.

We're getting more share of wallet, and we're seeing customers buy more [from] other categories.