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Representative 30.7% APR variable. Minimum manuals spend to receive cashback. Terms apply 18 plus subject to approval. Good morning. It's three minutes after 10. I hope you had a splendid weekend.

I made a terrible mistake last week. Can you work out what it is? Well, it was more of an omission.

It was a mistake by omission rather than commission.

I have completely neglected to wish the very, very best of luck to everybody doing exams at the moment.

Everybody particularly in the business of doing public exams, the GCSEs and the A levels.

I know what an extraordinary amount of pressure it can put on a household.

It can put on the young people and indeed in some cases their parents.

And I should have made a point of letting you know that you were in my thoughts.

Well, my thoughts and my family, right in the midst of it. We've got the

double bubble this year. We've got the GCSEs and the A levels unfolding in the same house. So,

you know, I just sort of thought, good luck, guys. You've got this. Just get through it. It's not the

end of the world if it goes badly. And try not to focus too much upon the stresses and the potential consequences of it

all and just just get through the moment anyway I'm glad we've cleared that up four minutes after

...