Good evening from Docklands, where I will shortly be setting off for another PRMIA seminar. This may well be the last one of these I get to for a while. One thing that is quite interesting is that the speaker was previously Chief Risk Officer at my former employer on the other side of the world. Since then, we have both left and moved... But for now, it's been cool. An uneventful trip to London and across to Docklands. Once again, an upgraded room, though no champagne this time. Still, it's very pleasant. I've got the net working here, as you can probably tell because you're reading this. It's dark outside, but that's because it's early evening in the middle of a British winter.