MM, I don't wish to sound rude or anything, but you stated over another thread that your rates are much higher than average, already, as I recall?
There's a difference between 1) people raising from the lower average / mid-range to average /"a little" higher than average in Northern Counties 2) people who have ALREADY achieved a higher rate / those contemplating on raising from an already higher range in wealth-ridden Southern Counties. We are talking about two different categories. When I started this thread, I had never thought of people who already achieved a higher rate, to be joining in but I realise I was a little naive...