when I were a lad we did have it very tough, and we dreamed of being covered in veils and dangled out of windows.

Philosophically speaking we are all end of line items in a massive clearance sale - possible in the kitchen department. Some of us are worktops, some are sink units and even the lavatory chains and stainless steel breadbins of this world have a place in the scheme of things.

my advice to Mj would be - don't enter into a credit agreement, even if there is nothing to pay until next april.