Happy birthday to me and to therobbergirl. May your birthday be dry, Ami! Here in Wellington, it's gloomy and drizzly, with promises of cold gales later. Tonight I'll be at Roger's retirement function, a more significant event than 43 years of me. It's a number for me, a complete life-change for him. Give it twenty years or so, and it will be me, now celebrating my 7th birthday in the Bank's employment, and my 3rd bank without changing. Yes, the M&A world is alive and well. Morning tea today.