On Thu, 6 Oct 2005 18:43:40 +0200, "tim \(moved to sweden\)"
wrote:

I just looked at uswitch.com and it gave me a whole list of 12-month
loans that the monthly payment is less than a monthly Travelcard
(using the example of a Z1-5 as quoted).

but is it less than 11?

It's fixed at a value of around 10.4.