Took too long for my call to be answered by an adviser due to "high volume of calls" and I have no wish to use your chat facilities on your web site. Adviser changed policy as per my instructions which I thank her for but I felt that the call was rushed and I was just another caller. The ladies voice was rather robotic...tone never changed once...even through the compulsory sales pitch....please stop this! If I want a product I will come to you. The administration fee your company charges for a change to your products makes my eyes water and rather sad....why so much?