Well, tomorrow’s the end of the world. And wouldn’t you know it, my PPI refund hasn’t yet been credited. Typical. Having said that, I haven’t paid my VAT either, so in the great Ledger of Fortune, we’re about quits. In fact, bilking the taxman almost makes up for being shortchanged by the bank. Come to think of it, I shall laugh right good and hearty whilst the lions whelp in the streets and the plagues of locusts swarm… Even Armageddon has its silver lining.