I think the groups who have found it most difficult over the last few years are savers because some of the things that they expected that you would get a rate of return at least covered inflation is a bit more. They have really struggled to achieve that. Okay inflation is very low now, so you can get an interest rate slightly above inflation but it’s been a very low interest rate environment and there are limited options for small savers to go into other forms of investment without risks they may not want to take.
Mortgage holders have had a good run. A period of exceptionally low interest rates.