Millicent was very helpful and patient. I would have given you as a company 5 stars but I have one negative comment to make. Having just completed a reasonably detailed on-line application form, it is disappointing to have to go through so many of the same questions again. Then there is the tedious recorded disclaimer message at the end. I didn't listen to it as I am sure most people don't, surely there is a better way of getting these messages across. Under GDPR and plain English regulations, I can see this mechanism being challenged in court at some time in the future!