A lot are still building their businesses and do not offer the array of products that big banks do.

Unfortunately the fitness industry has devised a bewildering array of products with this exact combination of personality traits in mind.

The brand today has an array of products, including energy bars.

The list also includes manufacturers of a bizarre array of products - everything from skylights to wooden pallets and noise insulation materials.

Basically, it's a club: you pay a tenner a month and are then able to buy a vast array of products at factory cost price, ie without any mark-ups.