There are still some harvests to gather in the garden – the last few marrows and gourds need to be picked before the frosts, and the rows of parsnips are now demanding to be harvested to provide winter delights such as parsnip chips and curried parsnip soup, which are practically unknown to the French.

Sometimes it’s easier to stay with an unsatisfactory bank, than to research and change to a different one, particularly if you have several accounts. It could be out of the frying pan…