The dilemma

You take the national bank's letter into Riverbend, where you have been a member since you were twenty two, and ask Ivo whether he can match the rate. He has managed the branch since before your hair went grey. He reads the offer twice and does not argue with the number. 'I can go to two point nine, {{NAME}}. That is the whole of it.' Behind you the queue is six deep on a Tuesday morning, and every person in it is holding the same white envelope.

Your options

1. Renew the whole certificate at two point nine, loud enough for the queue to hear.
2. Move it to the national bank and set aside part of the extra interest for Ada's April renewal.
3. Decide nothing today. Ask Ivo for the branch's lending numbers first.