Banking on NS: Sue Fieldman hears how some of the professionals would handle their children's pounds 100 Christmas presents

GERRI PATON is a manager for business banking with Lloyds Bank. She and her husband Colin have two children aged two and four.

Gerri says: 'I would put the money into the National Savings Children's Bonus Bond. The children would not go along with it, but at their age what I say goes.'

Briony, four, is not impressed. She says: 'I want a necklace and an Alice in Wonderland dress and I would buy my brother Benjamin some new clothes.

''I go to the bank with Mummy but I do not put any money in. I like to spend it.'

(Photograph omitted)