Yeah - i should have thought of that - i bet they have been down the local watering hole since 12 o'clock , for a bit of team building / blue sky thinking
Baz...Surely you have been a member of AB for long enough to know that you don't ask pertinent questions such as you are doing. I can visualise you will next be asking our Ed to disclose his Salary and annual bonuses. Be realistic, Bank Executives avoid such disclosures whenever possible. :-)