The fact that the whole sum (ie EVERYONE'S PROVIDENT FUND SAVE THE OLD A SCALE ONE, and I think that's probably all of 2 pilots) is vested with HSBC is hardly a cause for celebration...not in the present climate, despite all their claims of liquidity. The local populace are both superstitions and twitchy right now...a run on a bank would not be beyond the bounds of credibility. In certain respects having it held by Cannon Trustees would be a better option.