I leant a long time ago that going to see the bank manager is best done in dusty old work clothes dripping plaster & paint in your hair; tell them to get to the point as you're too busy for the bull...! Get's their respect & they can't judge you either plus they don't want you messing their chairs up. Works every time; after all they are only glorified salesmen...
Don't know what mine has in it at the moment, I'm guessing standards as they don't show on any recipts as being changed before... I'd seriously doubt they would be iridium as standard, doubt they'd be platinum eitherpossibly gold veladium (not sure it's spelt like that)... I'll let people know.