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And how many do you really use?

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To find out more, go to Lloydsbank.com forward slash cost

of living.

Lloydsbank by your side.

It was the night before Christmas, when all through the house.

Not a creature was stirring, not even a mouse.

The drops were all set by the chimney with care

and hopes that St. Nicholas soon would step there.

The children were nestled all snug in their beds

while nightmares of body parts danced in their heads

and momma with her hatchet and eye with my axe.

Adjust it down for a little nightcap.

When out in the lawn there rose such a clatter.

I sprung from my chair to see what made the splatter.

Away to the window I flew like a flash,

...