The working day is clouded by a reluctance to describe the work, so that lunch, coffee breaks, travel to and from work and evening engagements earn more space here than they should. Not only that, credit risk reporting is not a widely held interest, though it can be fascinating. No, I don't approve loans or collect on bad ones. Report and monitor trends. That's us. Above all, help auditors and regulators. That's always been top of the list. The very top item is to ensure payroll runs, not my job now!