Mucky by nature

Looking back, it was like the time I was summoned to the oak-panelled office of my first bank manager; no, it was worse. To be frank, I had been proud when my overdraft had risen to the alarming heights of £10 14s 6d, equivalent in these post-decimalised days to a tidy sum An overdraft meant I had come of age.

Well, no, as my bank manager pointed out, it