Apparently, if she has a bath, talks, walks and plays, she will save. But she has to spend £2 a month with Santander to do so, according to its new ad by Euro RSCG: "This is one of the most annoying ads on TV at the moment - it's wrong that I want to punch the screen every time it comes on. And why should it tell me what I'm doing with my money? Also, the message is ridiculous: to save money, I have to spend money. I'm no economist, but I'm pretty sure that theory is flawed."

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