We are honoured that Roland Boekhout, CEO of ING DiBa, the leading direct bank in Germany and Austria, refers to our book in the foreword of the 2010 annual report of ING DiBa. In our opinion ING Direct is the posterchild of simplicity in financial services, and the massive success across the globe, also shown by the 2010 results of ING DiBa, proves that simplicity is the key to strike the right chord.