You could phone your bank as Mrs D did last week when she needed some clarification on a banking issue.

Or maybe not because, alas, the phone option didn't work out well and, in the end, prompted her to climb into her car and drive down to the actual bank to do the whole thing face to face!

Meanwhile I was on the phone to another type of business and here I am using the phrase "on the phone" in its loosest possible sense. I had listened to options and pressed a few numbers and then I waited. And waited

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