So the TV’s on at low volume while I’m doing something else and this Carol Vorderman ad comes on advising people in debt to get slightly more in debt with the company she’s endorsing, and midway through it the start of the phrase “you can rearrange your existing finances”, with all the traffic noise outside, genuinely transmits itself to my ears as “you can wreak vengeance”. I think I prefer this as a model of debt management.

