And the same goes for everything with a term on it.

A lease, a guaranty, an insurance endorsement, a licence renewal.

Put every maturity date you have on one sheet of paper once a year and look at it in January, when nothing is wrong.

I do it now, on the second Saturday in January, at the kitchen table, with a cup of tea.

It takes about twenty minutes and it is the single least interesting thing in this entire account and it is the one I would most like somebody reading it to actually go and do.

And four, which is my grandfather’s and not mine.