So how would it be if we financial advisers were nationalised (the NAFs, not the NHS) and had to see 40 punters, ten minutes each, a day? “Do you have money or do you want money? You want it? OK, you can borrow it or save it, what’s it to be? How much? Sign here. Next…” I guess it’s ‘sleeping pills or antibiotics’ with less chance, in the short-term at least. of killing the clients. In my Allied Dunbar days, it was called ‘closing’.