And perhaps those donning headphones to find their own space might like to be more considerate of those sitting nearby (and in some cases not so nearby) who also have rights and probably don’t want someone else’s choice of music leaking into their world. Similarly those driving through rural areas with their music blaring loudly.

Hearing aids. Growth area of the future I tell you.

If you want to retire at 50, don’t try to pay for it by conventional methods – you can’t trust the government not to change some rules to prevent you from so doing. Many years ago Mr BW set up private pension funds to allow him to do just that. He set his retirement date to 50 and paid contributions to ensure it was a possibility (crippling in the early days). 2 or 3 years ago the powers that be decided that they would unilaterally change the rules so he was not allowed to take the funds at 50. That is, funds that are nothing to do with them. He now has to work to 55 before he can touch his own independently invested and managed retirement funds. Bitter, moi? Yes, very. But it won’t stop us achieving that plan, because there are always other Value methods to ends (including renewable energy)