Yesterday I received a circular letter from Zurich Insurance. It wasn't addressed to me but one has obviously been put through all the letter boxes. I usually put them straight into the re-cycling bin but the fact that they were making me an offer for something which they could no longer deliver (this year anyway) I thought I'd glance at the details. And therein lies the rub. I had to have replied by 22 July. This is not an easy task when you receive it on the 31 July. Ah well. I wouldn't have replied anyway.
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