meaning I hope you guess that I am male. Not being you, or knowing you, and not knowing what you do or don't know about me, I can't say what you will or will not guess. sorry.
We are now at the tracker rate we were first given by the bank - so we are delighted to be in the same position as 3 years ago!
We've just built the cash up over the years (always overpaid) - but I was too lazy to get the cash saved into a higher interest account... we'll be spending it soon! (on our wedding).