This is what I meant.
I'll go back to lurking now
Sorry. I didn't mean to chop you down. My post may have been taken as overly harsh which wasnt intended.
My point was that following the op there was a detailed calculation as to why there was more marketing in this product than good value. Myself (and other) have been stung by Mac bank and there genius marketing schemes. They are very good at 'fogging' the area to make bad deals seem good - without crossing the line of dishonesty.
If you us Mac bank you can't say you haven't been warned.