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Luqman Arnold, the Abbey National chief executive, clearly knows his own mind. Never a fan of agency beauty parades, he moved his £27 million creative account from Euro RSCG Wnek Gosper without a pitch; Carat was abandoned for MindShare and Naked Communications on media planning and buying in similar fashion. Now the Abbey's £11 million DM assignment is up for grabs. But don't rush to get the creds ready - Arnold's track record suggests he's already taken his pick.