I cannot understand my if is so difficult for existing Skipton customers to go into a branch and open a new account. There are usually 4 or 5 people in the back office and only 1 person in the front of branch. It should only take 10-15 minutes to open an account, so why do you have to book an appointment when advisors in the branch are clearly available? It is such a lot of unnecessary faff and wastes a lot of time.