Over the next few months I'm going to be leading research at RBS on this topic. We'll be talking to our customers about interest rates and the decisions they think they'll make when rates change. We want to understand how we, and the industry itself, can help. This won't end the fevered speculation about the timing of the first rate rise, but next time you're listening to the debates, ask yourself this question. Does this tell me what I really need to know about UK interest rates?