I’m ploughing through the Carpe Diem Plan, taking care not to tell the children that their inheritance should be trouble free otherwise I might need to employ a body guard and a food taster.

A substantial benefit is that it is a detailed data base which provides easy access to a host of information currently hidden away somewhere on scraps of paper. No more gnashing of teeth when asked for the number of a passport or driving licence or the dates of children’s birthdays.