same as cars510 we received a payment towards independent advice of €1,230 as the FSPO settlement in September was in excess of the TME calculation They have indicated that they based the calculation at the ECB rate plus a margin of 1.74%. I wasn't sure whether that was the applicable rate at the time ? The comparative analysis is fairly brief to be fair as to the way it was calculated - no real way to challenge the way they calculated the TME benefit - suppose that's what the €1,230 is for !