Top marks to the FT's Observer column for ferreting out this Central Banking (http://www.centralbanking.co.uk) interview with Abbey National CEO Ian Harley. Last week, Harley unveiled Cahoot (http://www.theregister.co.uk/content/archive/9323.html), the mortgage bank's new online business. Last August, he told Central Banking that "while it would be possible to offer Internet access to mount a new product and attract 50,000 anoraks who play with the facility, it's not possible to make any money out of it." If.com, take note (http://www.theregister.co.uk/content/archive/9331.html). According to Harley, Scandinavia is the one place where online banking could be transacted profitably. "If you spend six months in semi-darkness you will spend more time at home in front of your computer," he says, cheerfully. ®