Wow, that's awesome about your own business, good for you! My references were in on 21 February, so I have a feeling that I've still got a long time to wait! My application currently says "under review by department." I just got the Santander email a few days ago, I'm wondering if there is a timeline connected between receiving that email and having your application finally looked at? What was the time frame of having your references approved and getting your interview?