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Date: 17th May 2016 | Posted in: Blog

The MBNA Boringly Good Rally

Welcome to the inaugural MBNA Boringly Good Rally! 

Just 3.5% of money used in the UK is made up of notes and coins, with the rest existing electronically. When cards are convenient and payment-enabled devices are popular, it’s not hard to see why we don’t carry around much cash.
So could we do without cash altogether? The payment experts at MBNA decided to put it to the test.

For the first time in the history of MBNA, our experts have packed up their spreadsheets and donned their sea-legs. We hightailed it to the Isle of Wight with two teams of challengers in tow, to discover how cash and credit cards fare in a timed experiment. 

With just 300 minutes to navigate the island, the teams go head-to-head solving clues to find a number of island-items and purchase them for the best price. Each team has £500 split between cash and credit cards, and the winner is the one who makes it back in the best time, with the most money left to spare.

Before you watch the rally, use our team fact file and map of the island to meet our 6 willing volunteers and see where they head throughout the day.  Find out what they learned about time and money management and which team is victorious. Will cash or credit cards win the day? Once you’re ready, just hit play. To kick things off we’re on Appley Beach, so get ready for the Ryde…

Isle of Wight Rally

Isle of Wight Rally

Isle of Wight Rally

NARRATOR
THE ISLE OF WIGHT, A MERE FOUR MILES OFF THE MAINLAND, TODAY IT’S HOST TO A UNIQUE FINANCIAL CHALLENGE AND EXPERIMENT.  

NARRATOR
TAKING PART ARE SIX PEOPLE FROM ACROSS BRITAIN, SELECTED FROM LITERALLY HUNDREDS OF APPLICANTS.

Valerie
I am 52 years old, I am a mother and a grandmother but I don’t really necessarily want to tell everybody that.

Gerald
Yeah I’ve had one or two people that think I'm a complete…plank you know, sort of thing and would rather watch wood dry, other people say no he’s great, he’s great you know you’ll love him so…I’ve even been described as a legend.


Isobel
Yeah this is my type of thing competitive, fun, just finding things out and learning things and being with some great people.

Steve
You might be skint and it’s not a sin, but it’s a sin to look skint, that's my motto 

Dave
I’ve achieved great success in my role as a sales manager I’ve smashed actually every target given to me.

Dan
I think naturally I'm a leader; I do like to…take the reins and have my voice heard certainly.

NARRATOR
OUR CHALLENGERS HAVE JUST THREE HUNDRED MINUTES TO NAVIGATE THEIR WAY AROUND THE ISLAND PURCHASING A NUMBER OF ITEMS AS QUICKLY AND AS CHEAPLY AS POSSIBLE.  PAYMENT EXPERTS FROM LEADING UK CREDIT CARD COMPANY MBNA HAVE ARMED EACH TEAM WITH £250 CASH AND £250 ON CREDIT CARDS TO COMPLETE THE TASK, HOWEVER, OUR CHALLENGERS MUST SOLVE A NUMBER OF CLUES TO FIGURE OUT WHICH ITEMS THEY NEED TO BUY.  THE WINNING TEAM WILL BE THE ONE THAT MANAGES THEIR MONEY AND TIME BEST, ASSUMING THEY PICK UP THE RIGHT ITEMS OF COURSE.

Dave
 No.

Valerie
No!

NARRATOR
FOR MBNA IT’S A CHANCE TO ANALYSE WHETHER CASH HAS ANY ADVANTAGE OVER CREDIT CARDS, EXAMINING HOW TIME, LOCATION AND SOCIAL NORMS AFFECT HOW WE PURCHASE.  EVEN IN THE MOST OUT OF THE ORDINARY SITUATIONS.

Dan
Something in exchange, can we give you a performance or something, something to entertain you guys?

NARRATOR
BUT FOR THESE KEEN COMPETITORS IT’S ALL ABOUT COMING FIRST.  

NARRATOR
TO OVERSEE HOW EACH SPENDING DECISION IS CALCULATED, AND TO KEEP THESE TEAMS IN CHECK, MBNA PARACHUTED IN TWO OF THEIR VERY OWN PAYMENT EXPERTS…

NARRATOR
WHO IN A NEAT WAY TO GET THINGS STARTED ARE THE FIRST FACES THE CONTESTANTS SEE UPON ARRIVAL ON THE ISLE OF WIGHT.  BUT FIRST A WORD FROM OUR SPONSOR.

Sponsors Voice
Welcome contestants to the Isle of Wight and the inaugural MBNA boringly good rally.  You have now been assigned to your teams, Dave, Valerie and Dan you will be Team A, Isobel, Gerald and Steve you are Team B.  Experts please hand over the purchasing packs.  Your time starts now, so get to it people.

Sponsors Voice
And one final thing…good luck.

NARRATOR
BOTH TEAMS WILL START WITH 800 POINTS, A COMBINATION OF THEIR MONEY POT AND THEIR ALLOCATED TIME TO COMPLETE THE CHALLENGE, SPEAKING OF WHICH, IT’S TIME FOR DECISION ONE.
NARRATOR
THE CHOICE FACING THE TEAMS IS SIMPLE, A HIRE CAR PURCHASED OVER THE PHONE BY CREDIT CARD OR A TAXI FOR THE DAY PAID IN HARD CASH.

Valerie
Right…

NARRATOR
IT’S FIRST COME FIRST SERVED SO THE CHALLENGERS WILL HAVE TO BE QUICK TO MAKE SURE THEY BAG THEIR TRANSPORT OF CHOICE.

Isobel
Hire, I think hire.

Steve
I think hire, yeah.

Isobel
'Cause like taxis can be like ridiculously expensive.

Dave 
I reckon we hire.

Valerie
Phone.

Dan
I think hire 'cause I think the taxi drivers will know local knowledge.

Valerie
I think hire.

Dave
They will know local knowledge but you think the meter we know, you know…

Dan
Well let’s go for it.

Valerie
Okay how long we gonna need the car for?

Dan
Yeah you had me at hire let’s go.

Valerie
Hello could we have the hire car please?  We are Team A.

Dan
Or the A Team.

NARRATOR
WITH TEAM A QUICKER OUT OF THE BLOCKS GUARANTEEING THE HIRE CAR, TEAM B MUST USE CASH TO PAY FOR A TAXI FOR THE DAY.

Male Credit Expert
You're the second team to call in; today your mode of transport is the taxi.

Gerald
Oh no!

Isobel
No!

Valerie
Hello could I book a hire car please for the day?

Steve
Yeah that could be a problem for us you know. 

Isobel
So we’re gonna have to pay cash for the taxi, I'm hoping it’s not gonna be a ridiculous amount of money.

Valerie
We got the hire car, £40 for the day; it’s got to work out more cost effective.

Dan
So I was leaning a bit more towards the taxi driver, my team wanted to go for the car, I think in the long term it will work out cheaper if we know where we’re going.

NARRATOR
IT’S A 7.7 MILE JOURNEY FROM APPLEY BEACH TO ARRETON BARNS.  UPON COMPLETING THE JOURNEY THE TEAMS WILL BE TASKED WITH SOURCING AND PURCHASING A WHOLE GALLYBAGGER CHEESE…ALSO KNOWN TO LOCALS AS A SCARECROW.

NARRATOR
THE ITEMS THE TEAMS MUST FIND AND PURCHASE ARE NATIVE TO THE ISLE OF WIGHT; THESE ITEMS ARE A LITTLE HARDER TO SOURCE THAN A TAXI OR HIRE CAR.  THE TEAMS WILL NEED TO USE THEIR SMARTS TO BACK THE BEST PRICE IN GOOD TIME. 

NARRATOR
HOPEFULLY…OR MAYBE NOT, THE PAYMENT EXPERTS HAVE PROVIDED CRYPTIC CLUES.

Dan
Get yourself to the map at the Dairyman’s Daughter and then follow your nose, don’t be afraid to ask the locals.  Even if they do tell you to get stuffed.

Isobel
I'm fine with asking locals.

Dan
Your job is to find the item and get the best price; it will definitely be worth the wait.

NARRATOR
ONCE THEY’VE READ THE CLUE ITS TIME TO LOCATE IT ON THE MAP…OR THE A TO Z.

Dave
Dairyman’s Daughter.

Dan
A to Z it said, that’s not the A to Z, we need the A to Z.

Valerie
What’s the Dairyman’s Daughter then?

Dave
We’ll need the map.

Dan
[UNSURE OF WORD] A to Z okay page 26 D7.

Valerie
To there though from where we are…now you need the map.

Dave
So there’s…

NARRATOR
WHILE TEAM A WRESTLE WITH THEIR MAP, TEAM B READILY EXPLOIT THEIR LOCAL KNOWLEDGE ADVANTAGE.

Steve
Yeah we’d like to go to Arreton please, the Dairyman’s Daughter.

Pricey 
Now? [ph]

Gerald
Yes please.

Isobel
Quickest way possible please.

Steve
Okay yes please.

NARRATOR
ONCE SETTLED IN THEIR CAB IT’S TIME TO START WORKING THROUGH THE CRYPTIC CLUE.

Isobel
And it says it will definitely be worth the weight but they’ve spelled weight wrong so I think the more the scarecrow’s gonna weigh…so

Steve
The more it’s gonna cost.

Valerie
Right so you guys are gonna be giving me directions then yeah?

Dan
Yeah.

Dave
Yeah…go for it.

Valerie
We happy?

Dan
Yeah we’re happy good to go.

Valerie
Come on then go…go.

Dave
We can discuss more in the car we’re wasting time.

Dan
Yeah superb.

Gerald
I think we should negotiate…

Isobel
I think…

Gerald
If we’re gonna buy a scarecrow.

Steve
Oh without a doubt we’ll negotiate.

Gerald
And so let’s say it’s 40 quid we say what would you do for cash.

NARRATOR
ONLY MINUTES INTO THE JOURNEY AND THE DECISION TO GO WITH THE HIRE CAR IS RAPIDLY TAKING ON THE GUISE OF A BAD IDEA.

Dan
We just passed an island.

Dave
What I wanna do is find Marlborough Road on there…

Dan
There you go be my guest. 

Dan
Are you alright do you feel confident?

Valerie
In what?

Dan
In where we’re going, where we are?

Valerie
No 'cause you guys have got the maps, I'm listening to you guys.  Who’s impressed me so far on the team…?

Dave
Shall we buy a sat nav with our credit card? 

Dan
Sometimes I feel like Dave doesn’t listen to the rules.

Dave
Feel a bit lost at the minute guys.

Dan
Ah come on we’re in the great outdoors.

Valerie
I'm not sure where we are.

Dave
You know the clocks ticking; we’re in the middle of nowhere.

Dan
Ah we’ll be fine.

Dave
And you know, not a scarecrow in sight.

Isobel
How long until we get there Pricey?

Pricey
About three or four minutes.

Isobel
Three or four minutes, okay brilliant thank you.

Pricey
Yeah not too far.

Dave
Dan is very enthusiastic, forward thinking, probably sometimes jumps a little bit ahead of the game and he just needs to reign it in a little bit.
Dan
In the meantime, just see if there’s a more efficient way to travel.

Dave
There isn’t…

Dave
It’s all woods, you aint gonna go straight through a wood are you?

Isobel
Perfect.

Steve
Ah look at that.

Gerald
Dairyman’s Daughter.

Gerald
Spot on.

Steve
Wonderful.

Valerie
I think we should go left.

Dan
Yeah I think we should go left as well.

NARRATOR
WITH TEAM B SAFELY ARRIVED, VALERIE’S PHILOSOPHY OF IF IN DOUBT TURN LEFT SEEMS TO PAY OFF FOR TEAM A.

Valerie
We’re gonna go left again then guys yeah agree?

Dan
Yeah.

Dave
Yeah.

Dave
We’re there now.

Dan
Dairyman’s Daughter.

Valerie
The Dairyman’s Daughter look.

Dan
Dairyman’s Daughter, today’s special.

Dave
Is that here?

Dan
Yeah look Dairyman’s Daughter.

Dave
Let’s just say my map reading skills weren’t the best but lesson learnt and I'm not on map duty for the next task.

Dan
The other team probably got here a bit quicker but then you have to think how much would a taxi cost from Ryde to the Dairyman’s Daughter, I would have thought about £25, now we’ve paid £40 total for that car for the entire day so if we start getting our directions right I think we can bring it back.

NARRATOR
FOR THE FIRST PHYSICAL PURCHASE OF THE DAY, THE TEAMS MUST LOCATE AND THEN NEGOTIATE FOR A WHOLE GALLYBAGGER CHEESE.

NARRATOR
TEAM A’S TRANSPORT DECISION HAS ALREADY SEEN THEM TAKE A 15 MINUTE HIT SO IT’S CLEAR THAT THEY WILL HAVE TO TRY AND MAKE BACK SOME TIME AND MONEY ON THIS PURCHASE.  

NARRATOR
BY VIRTUE OF ARRIVING FIRST THOUGH, TEAM B DIVES STRAIGHT INTO THE HUNT FOR THE ILLUSIVE SCARECROW.

Steve
See you here in about a minute or two.

Isobel
Minute yeah.

Gerald
Less than that, come on.

Steve
Okay, less than that quick as you can Is.

Isobel
Alright okay I don’t know which way I'm going but I reckon…

Steve
Ere mate we’re looking…for a stuffed scarecrow.

Female Shop Assistant with short blonde hair
No we don’t sell scarecrows sorry.

Female Shop Assistant with scarf
(Bang) not scarecrows no.

Isobel
No nothing you can like stuff as small souvenirs, scarecrow souvenirs?

Female Shop Assistant with short blonde hair
Oh yes round at Nina’s, she’s got lots of little things round there.

Female Shop Assistant with scarf
Round at the craft cabin.

Steve
Really appreciate your help.

Male with blue t-shirt
Yeah that’s okay no problem.

Gerald
Hang on, hang on.

Male with blue t-shirt
Oh I’ve got another question.

Isobel
Do you know where someone called Nina is?

Male with blue t-shirt
Nina yes I do.

Isobel
Where is she?

Male with blue t-shirt
You go through that door there…through the glassworks.

Isobel
Okay we need to head there.

Steve
Right can we go that way?

Male with blue t-shirt
Okay yeah go through there.

Steve
Fantastic [ph]

Male with blue t-shirt
[UNSURE OF WORDS]

Steve
Good part of the clue was ask the locals.  Does that mean your scarecrows are stuffed?

Nina
Not really, no they're not no.

Steve
Not really, no okay.  Our job is to find the best price which will definitely be worth the weight but weight is spelled…

Isobel
Like by weights, how much [ph] it weighs.

Nina
Weight, it is quite a light…

Steve
By weight in kilos.

Steve
A light.

Nina
A quite light item.

Steve
Yeah so…

Nina
So possibly it could be something a little bit different…there is something on the island called the scarecrow cheese island made.

Steve
And find a whole scarecrow so it could be a whole cheese that we’re looking for.

Nina
Whole cheese, yes.

Steve
Right so if we was need…

Nina
It could.

Steve
To look for a whole cheese where, any ideas where we could get that?

Gerald
She sent us to the cheese shop where there is a scarecrow Gallybagger type cheese.  Hello.

Female Shop Assistant with hair pinned back
Hi.

Gerald
The Gallybagger that’s the scarecrow cheese correct?

Female Shop Assistant with hair pinned back
It is, that is correct, how can I help you with that?

Gerald
Okay, how much for the whole Gallybagger cost?

Female Shop Assistant with hair pinned back
Oh let me find out.

Isobel
It’ll be expensive I reckon.

Gerald
Yeah well we gotta get hold of one haven’t we?

Female Shop Assistant with hair pinned back
It is £105.46 to be precise.

Gerald
Can you do a better price if we buy the whole one?

Female Shop Assistant with hair pinned back
Yes we probably can actually.

Gerald
Would you accept a lower offer on cash or would a credit card be the same price?

Female Shop Assistant with hair pinned back
It would be the same price.

Gerald
Okay well what's the lowest…?

Female Shop Assistant with hair pinned back
we can do 5%

Gerald
15%

Female Shop Assistant with hair pinned back
We would have to go down the middle at ten then.

Gerald
Ten?

Female Shop Assistant with hair pinned back
Ten.

Gerald
10% off the price of that is…

Isobel
Could we go 12%?

Steve
Could we go 12.5%?

Female Shop Assistant with hair pinned back
Ten is the maximum I can do.

Gerald
Okay ten.

Isobel
What about 11%

Female Shop Assistant with hair pinned back
Ten.

Gerald
Ten alright, ten we’ll take 10% and we might as well get it on the card.

Gerald
Then that’s a deal, thank you very much.

Female Shop Assistant with red top
£94.91 please.

Isobel
£94.00 for some cheese, I’ve never spent that much on cheese before, I barely spend £5 in Lidl for some cheese.

Steve
I hope it’s a good cheese.

NARRATOR
WITH THE FIRST GALLYBAGGER IN THE BAG, IT’S TEAM A’S TURN TO SNIFF OUT THE LOCAL DELICACY.

Dan
So follow your nose, worth its weight…[UNSURE OF WORDS]

Dave
Straight away you’ve got the Crafty [UNSURE OF WORD] and the sweet shop next to each other so we need someone there.

Dan
Yeah I think I can be the sweets.  [UNSURE OF WORDS] Let’s go now quickly come on…


Dave
Happy days.

Dan
Come on let’s go.  I'm looking for some form of scarecrow.

Male with blue t-shirt
Okay…

Dan
It could be anything [UNSURE OF WORDS] it could be a scarecrow sweet.

Male with blue t-shirt
I have made glass scarecrows.

Dan
You have?

Male with blue t-shirt
Yeah but we haven’t got any right now.

Valerie
I’ve got a corn dolly scarecrow.

NARRATOR
WITH TEAM A’S DAVE AND VALERIE HAVING QUICKLY TRACKED DOWN THE FONT OF ALL SCARECROW KNOWLEDGE THAT IS NINA…

Valerie
Is that the smallest one you do?

Nina
It is yes.

Dave
More importantly what's the price?

Nina
£9.50.

NARRATOR
ONE MAN BAND DAN…

Dan
Aha!

NARRATOR
FOLLOWS HIS OWN PATH.

Dan
I think this could be a winner.

Dan
Do you do a scarecrow sweet?

Female Shop Assistant with grey scarf
No sorry.

Valerie
I think we’ve got it then haven’t we?

Dave
Possibly.  Something tells me it’s not it though.  In my terms a scarecrow is someone what goes and stands in a field scares off crows.

Valerie
Do you do different types of scarecrow then?

Nina
I don’t myself no but on the island there is the scarecrow cheese…so that could be something different.

Dave
Think of the clue, worth your weight…weight’s cheese.

Nina
Cheese yes.

Dave
What I didn’t know, it was this, the Gallybagger which happens to be a scarecrow on the Isle of Wight.  Dan we found it come on quick!

Valerie
Follow your nose we’ve got it 

Dan
[UNSURE OF WORDS]

Dave
Quick come on Team A.

Dave
Come on.  Think it’s a Gallybagger.

Valerie
It’s a Gallybagger cheese.

Dan
Amazing.

Dave
And think of it we need a whole cheese.

Valerie
And it’s a whole cheese.

Female Shop Assistant with hair pinned back
So the whole Gallybagger, £109.22.

Dan
Okay I’ll level with you, it’s a lot more than we can spend, what is the best price you can possibly do for this?

Female Shop Assistant with hair pinned back
I can take 5% off.

Dan
What if we did something in exchange, can we give you a performance or something to entertain you guys?

Female Shop Assistant with hair pinned back
We’ve got a lot of entertainment here already.

Dave
What about £80 cash?

Female Shop Assistant with hair pinned back
No it makes no difference cash or card.

Dave
Go on, let’s do a deal.

Female Shop Assistant with hair pinned back
I can do 10% and that’s it I'm afraid.

Dave
Okay yeah we’ll have to take that then.

Female Shop Assistant with hair pinned back
Okay, there you go.

Dan
Thank you very much.

Dave
So guys, cash or card for the cheese?

Dan
It’s a large item I say we do it with the card they don’t charge for card here.

Female Shop Assistant with black top
So that’s £98.30.

Dan
Lovely thank you.

Female Shop Assistant with black top
Lovely thank you.

Dan
If it wasn’t vacuum sealed, that’d be the smell of victory.

NARRATOR
DESPITE TEAM A TAKING A TOUR OF THE ISLAND, THEY MANAGED TO BEAT TEAM B TO THE CHEESE BY SOLVING THE RIDDLE QUICKER, BOTH TEAMS LANDED A 10% DISCOUNT, HOWEVER, TEAM B WERE FAVOURED BY THE CHEESE GODS WITH A LIGHTER GALLYBAGGER, WHICH SAVES THEM A POTENTIALLY CRUCIAL £3.39.  BOTH TEAMS USED THEIR MBNA CREDIT CARDS, WITH TIME MARCHING ON; OUR EVER PRESENT PAYMENT EXPERTS PRESENT THE TEAMS WITH THEIR NEXT PURCHASE CHOICE.
 

Isobel
Item number two…

Steve
Item two.

Isobel
One in a million.  Today the Isle of Wight is your oyster and on its outer reaches lies a hidden treasure.

Dave
If you're lucky enough to find the treasure will you trust your eyes or trust your instincts?

Steve
Alight Pricey!?

Isobel
And then look at the clue on the way…

Gerald
Clue two.

Isobel
And let’s just get going.

Dave
I’ll drive this time.

Dave
You can do the map.

NARRATOR
AFTER DIGESTING THE CRYPTIC CLUE AND CHECKING THEIR MAP COORDINATES, TEAM B ARE READY TO HIT THE ROAD, AT THE END OF WHICH LIES THE ISLE OF WIGHT PEARL CENTRE.  IT’S A 10.6 MILE JOURNEY THOUGH THE MIDDLE OF THE ISLAND.  TEAM A THOUGH HAVE A PLAN.

Valerie
Can we come down here, what’s this one?

Dave
It’s not as easy as it looks is it guys?

Dan
I mean are you thinking of going up and across is that what you’re…?

Valerie
Well you see because here that’s more of a direct…

Dave
We good to go guys?

Dan
No one second mate.

Isobel
How far is it Pricey?

Pricey
About 40 minutes with the wind behind us.

Dave
Does it look far on the map?

Dan
It’s reasonably close.

Steve
40 minutes with a wind behind us wow.

Isobel
I reckon you could make that 35.

Dave
We’re heading back towards Ryde is that right?

Dan
No we need to take a right, suppose we should have done or should be doing.

Dave
So we should have gone down that road back there then.

NARRATOR
WHILE TEAM A ARE KEEPING THEIR EYES ON THE ROAD, TEAM B TAKE THE TIME GIFTED FROM USING A TAXI TO DECIPHER THE CLUE.

Steve
Do you think we’re gonna have to buy a pearl?

Isobel
I hope not.

Gerald
I'm sure that’s gonna be almost as dear as the blinking cheese.

NARRATOR
TEAM A HAVE A FEW THOUGHTS OF THEIR OWN.

Dave
I reckon it could be some sort of sunken ship.

Valerie
How we gonna get to a sunken ship?

Dave
I don't know it all part of the plan

NARRATOR
WHILE TEAM A ARE ON THE HUNT FOR A SUNKEN SHIP, GOOD LUCK WITH THAT, TEAM B KNOW EXACTLY WHAT THEY'RE AFTER.

Steve
Pearl and ice they go together like...

Gerald
Like salt and vinegar.

Isobel
Yeah so if you look on this map...

Isobel
Oh right okay, I just wanted you to finish that off.

NARRATOR
DESPITE TEAM B ARRIVING FIRST AGAIN, TEAM A ARE IN HOT PURSUIT, THIS TIME A MERE MATTER OF MINUTES BEHIND.

Dave
Pearl Centre.

Dan
Pearl Centre...

Valerie
Pearl Centre.

Dan
200 yards on the left, let’s definitely go down there.

Dan
Oyster, pearl, yeah let’s go.

NARRATOR
PERCHED ON THE EDGE OF THE ISLAND, THE ISLE OF WIGHT PEARL CENTRE IS HOME TO THE MAGICAL PICK-A-PEARL GROTTO CHOSEN BY THE EXPERTS TO TEST WHETHER A LUXURY ITEM INSTINCTIVELY SWAYS US TOWARDS PAYING WITH CREDIT, THE TEAM SET OFF.  BUT JUST TO ADD ANOTHER VARIABLE, THE PURCHASE ISN’T AS STRAIGHT FORWARD AS IT MIGHT SEEM.

Female with long hair
Hi

Gerald
Hello

Steve
Hello I'm Steve.

Isobel
Hi.

NARRATOR
UP FIRST, TEAM B.

Female with long hair
Hello nice to see you.

Steve
So what’s going on here then?

Female with long hair
You have the choice, this is a fixed price pendant okay, it’s a freshwater pearl, on sterling silver and it’s £58.  Or you can pick your own pearl okay, so you can pick your own pearl out of the oyster pool, we open it up for you and then we’ll value it okay, it can be worth between £20 and £80, you may also find that there’s two in there, you pay what the value of the pearl is.

Gerald
Let’s hope for a double then, let’s do it.

Isobel
No it’s not hope for a double then you have to pay it.  You want it to be...

Steve
Yeah we gotta pay for ‘em, we’re gonna have to pay for ‘em so you gotta fixed price of £58.

Isobel
So I think the chances...

Female with long hair
Yeah you’ll pay whatever the value is.

Steve
I'm quite prepared to take the punt.

Isobel
Let’s go for that one.

Steve
There you go.

Female with long hair
Smashing.  Thank you very much.

Isobel
Oh God.

Steve
Ah...take a punt on life eh?  Yeah go for it.

Female with long hair
So...

Female with long hair
You got a white one.

Steve
Oh wow.

Isobel
Is that a bad thing then?

Female with long hair
We have a selection of different colours, that’s a very pretty creamy white one.

Isobel
She’s there like saying how amazing it was and what a beautiful pearl it was and my heart was going and I thought oh my God it’s an expensive pearl, it’s gonna be like £100.

Female with long hair
And it is 6.5mm

Female with long hair
Okay, which is valued at £23.50

Gerald
And very beautiful too.

Isobel
Yes, brilliant.

Steve
We’ll take it.

Isobel
Take it.

Female with long hair
You can pay by card or you can pay by cash however you’d like to pay.

Steve
Yeah would it be cheaper if we paid by cash?

Female with long hair
No afraid not.

Steve
Afraid not, card it is.

Gerald
Then card it is.

Isobel
Card it is.

Female with long hair
Smashing, thank you very much.

Isobel
Okay there we go.  Well done.

Steve
Isy, well done.

Gerald
Group hug, group hug ah.

Steve
Oh mind the girl, don't crush her head.

NARRATOR
ONCE AGAIN IT’S A CREDIT PURCHASE FOR TEAM B WHO SUCCESSFULLY NEGOTIATED THE UNLUCKY DIP OF THE PICK-A-PARK GROTTO.  TIME TO SEE WHAT TEAM A DECIDE TO DO.

Female with long hair
Choose an oyster which will be valued between £20 and £80 or you may find two in there which will then increase the value.

Dan
Will we have to pay twice?

Female with long hair
Yes.

Dave
We can't do a deal beforehand?

Female with long hair
No.

Dave
With the double, what’s the law of averages is it like one in ten, one in 20?

Female with long hair
So far today I’ve seen two twins in the...

Dan
We’re wasting time Dave.

Female with long hair
One in 20.  It is a...

Dave
There’s no obligation to buy though is there once it’s opened.

Female with long hair
Yes.

Dave
You have to.

Dan
There was a lotta chat and I thought we’ve already decided to do this we’re wasting time, the other team’s catching up on us, that was my competitive spirit kicking in and I’ve noticed Dave, he’s one for the chat.  This one here please

Valerie
Yeah I think this one here, do we fish it...

Dave 
Do we pull it off?

Valerie
No we fish it out.

Female with long hair
Yeah you can use the net.

Dan 
You’ve had to go for the trickiest one, we’re low on time.

Dave 
Here we go...

Dave 
Bom bom bom.

Female with long hair
Alright.

Dan
It’s a [UNSURE OF WORD] isn’t it?

Female with long hair
No it’s a single.

Dan
No but it’s a good size.

Dan
It’s a good one.

Dave
It’s a single.

Valerie
It’s a single one.

Dan
It’s a good size too.

Female with long hair
There we go.

Dave
Happy days.

Valerie
It’s smaller than that one.

Dan
It is.

Female with long hair
So it’s a lovely snowy white one aswell, okay so that is 7mm and that is valued at £25, so well done.
Dave
I think we’ve done well.

Dan
That's very good thank you very much.

Valerie
Done really well, thank you very much.

Dave
Good choice.

Dan
Is there any chance 'cause we’re in a competition you could just knock a couple of quid off?

Female with long hair
I'm afraid not no.

Dan
Just...could you do it for £22.50 come on just £2.50?

Female with long hair
No I'm afraid not.

Dave 
Come on.

Female with long hair
No I'm afraid not.

Valerie
We’d like to pay by card please.

NARRATOR
WITH BOTH TEAMS HAVING BAGGED THE CHEESE AND PICKED THEIR PEARLS, THE FUN HAS TO STOP SOMETIME...AND IT FINISHES WITH A FINAL CHOICE.  LIKE THE HIRE CAR VERSUS TAXI DECISION, IT’S FIRST COME FIRST SERVED.  WITH A CASH OR CREDIT CARD ONLY OPTION.

Steve
With the finish line in sight across the water in Southampton, you must decide A...

Valerie
Do you want to flash the cash and travel in style on a bespoke VIP speedboat for £60 that leaves when you are ready.

Steve
B, do you take it slow and steady on an economy one way ferry passenger ticket and pay £27.60 by credit.  What do you wanna do do you wanna travel in style no?

Gerald
Is that for three of us?

Steve
Yeah

Isobel
So all three of us yeah.

Gerald
Well let’s do flash the cash yeah.

Isobel
The speedboat please.

NARRATOR
WHILE TEAM B PLAYS DECISIVE, TEAM A TAKE A SLIGHTLY LESS CONCLUSIVE ROUTE.

Dave
Yeah that’s 20 minutes right...

Dan
So...

Dave
But how do we know when the next one is we might be waiting around for the next ferry.

Dan
Yeah that’s really true.

Dave
Whereas that one leaves when we’re ready, yeah it costs more but it means we go.

Steve
Do it on a speedboat, there you go.

Dave
Hello we’d like to book the VIP speedboat please.

Valerie
A Team.

Dave
For Team A.

Dan
A Team.

Dave
The A Team.

Valerie
I believe we’re ahead, I feel we’re ahead so yes we’re definitely on the winning team.

Male Credit Expert
Team...

Isobel
Oh [UNSURE OF WORDS]

Male Credit Expert
Because your call went through to the hotline first...you’re getting the speedboat.

Isobel
Yes!

Steve
Oh yes, well done team, well done.

Gerald
[UNSURE OF WORDS]

Isobel
Well done guys.

NARRATOR
LEAVING TEAM HIRE CAR’S PAYMENT EXPERT TO BREAK THE NEWS.

Dave
No.

Valerie
No!  No!

Dan
I call shenanigans; they couldn’t possibly have been quicker than us.

Dave
No way.

Valerie
No!

Dan
Oh God.

Dave
Oh.  Hello I’d like to book the ferry by card please.

NARRATOR
WITH ALL DECISIONS AND PURCHASES MADE, TEAM B HOLD A MERE 60 POINT ADVANTAGE BEFORE BOTH TEAMS EMBARK UPON THE FINAL LEG OF THEIR RALLY, A STRAIGHT DRIVE TO COWES TO GET TO THE MAINLAND.

Steve
My man we need to go so Shepherd’s Wharf...and don't spare the gas!

Dan
I tell you what guys I know we’re gutted about not getting the speedboat but in this weather, they may have done us a favour.

Valerie
It is a shame but it is what it is, we just need to get there, no messing about, straight on the ferry.

NARRATOR
ONCE AGAIN TEAM B ARE AHEAD OF THE GAME, BUT DESPITE THEIR CAB BUYING THEM PRECIOUS CREDIT POINTS, IT’S NOW TIME FOR THE RECKONING.

Steve
Thanks for the speedy journey.

Pricey
No worries at all mate.

Steve
Alright what’s the damage, what do I owe you?

Valerie
It’s not far now then is it; do you think we’ll make the ferry?

Dave
Hope so, gonna be close.

Pricey
£95, is that alright?

Steve
That’s a bit steep mate, £95 is it, no I won't hurt you, can we go £80?

Pricey
£90 mate.

Dave
Think we’re coming into Cowes now guys.

Isobel
Do a deal for us...£80?

Pricey
Go on, I’ll do it for £80 for you.

Isobel
£80 oh you're brilliant, you know what...

Steve
I’ll tell you what; shake your hand on that mate.

NARRATOR
AND SO WITH A BIT OF HOOTSPA TEAM B HAVE THEMSELVES A DEAL, I WONDER HOW TEAM A ARE GETTING ON?

Dan
Oh!

Valerie
No!

Dan
No!

Dave
Oh my God.

Valerie
Can’t believe it, two minutes!

Dan
Come on we can still make it!

NARRATOR
WHILE TEAM A’S SHIP HAS SAILED, FOR TEAM B A LIFE ON THE OCEAN WAVES BECKONS, COURTESY OF THEIR CASH COMMISSIONED RIB SPEED BOAT.

Steve
Take us home Russell...we need to get home double quick time mate.

Russell
No problem, we’re on our way.

Isobel
Speedy!

NARRATOR
AND WHILE THEY GET READY TO RIDE THE WAVES, TEAM A, DESPITE TAKING COLLECTION OF THEIR PRE-BOOKED TICKETS HAVE A BIT OF A DELAY ON THEIR HANDS.

Valerie
Oh guys we got 15 minutes to wait.

Gerald
Team B!

Steve
Yeah Team B!

Gerald
Team Bravo!

Steve
Yes!

Isobel
Brilliant!

Dave
Finally.

Valerie
Oh...

Voice highlighting safety instructions
This tells you which side of the craft to find your emergency exit.

Russell
Keep the weight in your feet and then you can bounce up and down on your legs okay, so you’re taking the...the shock in your feet, not on your bum.

Captain of Ferry
Ladies and gentleman good afternoon welcome aboard our high speed service to Southampton.

Dan
High speed.

Valerie
High speed.

Captain of Ferry
We have an approximate journey time of 25 minutes...

Dan
I heard that, I hear you sister.

NARRATOR
MEANWHILE WITH TEAM B...

Dave
Looks fairly choppy outside doesn’t it?

NARRATOR
AND WHILE TEAM A HAVE A QUICK DOZE, PULLING INTO HARBOUR TEAM B REFLECT ON THE VALUE OF THEIR SPEEDBOAT CHOICE.

Isobel
This is by far the best option, by far.

Steve
Yeah I think so.

Isobel
Without a doubt.

Steve
I think...I’ll even stick my neck out and say I think we might have done it.

Isobel
Yeah!

Steve
Yeah!

Gerald
White knuckle ride boys and girls, a white knuckle ride.

Steve
I'm hoping so.

Gerald
And my knuckle’s well white 

NARRATOR
WITH TEAM A SAFELY ACROSS, ALL THAT IS LEFT IS A FINAL SPRINT TO A WARM BOARDROOM AS ORGANISED BY THE MBNA PAYMENT EXPERTS WHERE THE FINAL RESULTS AWAIT.

Steve
There you go mate lovely.

Gerald
Rapid Russell, they don't call him Rapid Russell...

NARRATOR
EVER SO SLIGHTLY BEHIND ARE TEAM B.

Dave
We can all get in there come on, quick!

NARRATOR
AND WITH BOTH TEAMS AT THE FINISH LINE...

Dave
Guys...yes.

NARRATOR
THE EXPERTS HAVE CALCULATED THEIR FINDINGS WHICH NOW RESIDE IN AN ENVELOPE UNDER A CLOCHE

NARRATOR
OVER TO STEVE TO DO THE HONOURS.

Steve
Thanks, oh good luck guys.

Isobel
Good luck.

Steve
First up Team A with a total 134 minutes remaining and £309.10 budget remaining.  Team A has a points total of 443 credit points remaining.  Next up Team B with a total of 149 minutes remaining and £246.59 budget remaining, Team B has a points total of 396 credit points remaining.

Dan
Yes!

Isobel
Well done guys.

Gerald [Unsure]
Well done guys.

Steve
Meaning that the winning team...

Isobel
Well done.

Steve
Is Team A, well done guys.

Isobel
Well done, well done...well done guys.

Steve
Congratulations well done, great challenge, close, well done, congratulations.

Isobel
Well done all of you.

Dan [Unsure]
What was it, let’s have a look?

Gerald
The taxi that got us.

Isobel
Yeah it was the taxi.

NARRATOR
OVER THE COURSE OF THE DAY BOTH TEAMS HAVE HAD TO KEEP THEIR WITS ABOUT THEM IN TERMS OF TIME AND MONEY MANAGEMENT.

Dave
A Team are go.

Steve
Shepherds Wharf, and don't spare the gas.

NARRATOR
WHILE TEAM A MADE THEIR PURCHASES USING ONLY CREDIT IT WAS BY SPENDING LESS AND A BIT MORE SENSIBLY THAT WON THEM THE DAY.  TEAM B, HAMSTRUNG FROM THE BEGINNING BY MISSING OUT ON THE HIRE CAR SEALED THEIR OWN FATE WITH THEIR CASH DASH FINISH IN THE SPEEDBOAT.  WHILE IT MIGHT HAVE BEEN MORE FUN, IT ACTUALLY TOOK FIVE MINUTES LONGER THAN THE CREDIT CARD PRE PAID PASSENGER FERRY.

NARRATOR
BUT BACK AT MBNA HQ WHAT DOES IT ALL MEAN?  WELL IN THIS TEST OF PURCHASING POWER IT WOULD SEEM THAT CREDIT CARDS DO HAVE THEIR OWN ADVANTAGES, OR AT THE VERY LEAST ARE ON AN EQUAL FOOTING WITH THEIR CASH COUSIN, BOTH WERE IMPORTANT OUR PAYMENT EXPERTS CONCLUDED TO THE TEAMS MAKING IT TO THE FINISH LINE.

NARRATOR
HAVING SAID THAT, BOTH TEAMS SEEM HAPPY ENOUGH REGARDLESS OF THE OUTCOME. 

Isobel
I’ve had a fantastic day although we didn’t win; I’ve had a fantastic team.

Steve
Well we was up on the minutes, just down on the cash.

Gerald
Oh absolute brilliant day, and I don't think there’s no shame in losing to a team like that.

Valerie
My day on the Isle of Wight has been fantastic, I couldn’t have wished for a better result.

Gerald
Loved the people I’ve been playing against, loved even more the people I’ve played with.

Dan
And yeah just chuffed to pieces to be going home with the prize.

Dave
Superb result it’s just the icing on the cake at the end of an absolutely fantastic day, full of tough challenges, you know and it...yeah happy days.

1 Met Office Average 2009/2013
2 http://www.isleofwightcheese.co.uk/
3 http://www.wightweddingdays.co.uk/directory/jewellery/
4 http://www.redfunnel.co.uk/ferry‐travel/red‐jet‐service/
http://www.iowribtransfer.co.uk/FAQs
5  https://isleofwight.com/travel
6 The rough guide to Dorset, Hampshire & the Isle of Wight, p19

Credit Card(s) are issued by MBNA Limited. Credit available subject to status to UK residents aged 18 or over.