I listen to phone-in callers who keep mentioning about Tesco taking over the world but the answer is always the same in that it's supply and demand. They will only enter into something that the people obviously want or they'd be losing money on it. For me, if they can offer cheaper insurance, mortgages or cars than those that currently rip us off, so much the better. I just wish the exiting Leahy would put some money into Everton.