Sorry you are stuck with me again but Jonathan Cornell has been doing more important things, i.e. attending the birth of his first-born child.
You could almost hear the sound of the crockery smashing in Downing Street as Prime Minister Gordon Brown read the extraordinary interview given by chancellor Alistair Darling to the Guardian.
In the natural world species that can adapt to change thrive. Charles Darwin called it natural selection and explained how the theory worked in The origin of species, published 149 years ago.
Having had a couple of weeks off to enjoy better weather and try and forget the challenging mortgage market, I nearly choked on my San Miguel when I read the Sunday newspapers and reports of chancellor Alistair Darling's latest gaffe.
With the rift between Prime Minister Gordon Brown and chancellor Alistair Darling reaching untenable proportions, we should all be concerned about how much more damage the death throes of this ailing government will inflict on the mortgage market.
To engage effectively with potential clients in terms of business protection, you must broaden your understanding of how their businesses function. While deep technical expertise isn't necessary, a good understanding will allow you to position business protection effectively and help identify clients' needs.
Last week the government unveiled a package of measures to rescue the housing market. The Stamp Duty threshold has been raised from £125,000 to £175,000 for one year. Housing associations can now buy homes from borrowers facing repossession and rent them back. They can offer shared ownership deals too.
The fall in house prices continues apace with Nationwide's latest figures confirming the worst - prices dropped 1.9% in August and more than 10% over the past 12 months.