I see the Druids are celebrating the sun at Stonehenge, but Down South 21 June is the shortest day. Not that we have much to complain about. We don't even get frosts in Titirangi (loosely "fringe of heaven" in Maori) but it's sure cold in the wind and shade. Early morning I rugged up and took the dogs down to the beach and thought that, even when the tide's out on an overcast day in Winter, life's not too bad. Hopefully it's the shortest day for the economy too. The worst of Winter may still be ahead – the moneymen (and some of us) screwed up, and the consequences are still playing out ... but Summer will come. I hope not too many of us panicked, that we're prioritising to save the farm. And I hope as the weather improves we don't forget Grandma's advice. Wrap up warm in case the weather changes again ... We didn't need credit cards in our day! Just because some smart alec invents a new debt instrument doesn't mean we need to use it. A bit like Photoshop effects really. Cheers, Ian