“Yes, you’ve got it in one. But, you cannot say that you got this prompt from me or you’ll blow everything. Now, are you ready to go for lunch or are you staying here?” “I’m on my way, how long will it take you on the bike?” “About twenty minutes, I suppose, it’s far too hot to rush, I could get sunstroke.” “Could you? POHM’s, eh? See you later, mate.” Craig took his time cycling back in the hot midday sun, he could imagine what Lek would be saying to him, if she had heard his conversation with Ross and saw him in strong sun without a hat. He was thinking that although the rise in salary would solve most of their problems, his general finances back in the UK were in a total mess. As he thought about it he realised that he hadn’t done anything to regulate his shares or bank accounts sin