Hello

Just a quick one - my golf blog is up to date and I don't have time to do both just now.

I'm hoping to have a look at the villa we're staying at in a few weeks today. Btw, has everyone got their passports in order - including Luca?

The answer to the pensions arithmetic poser is, of course, 50% - yes that's what you need to save every year for your retirement! Nobody's doing it, so what's going to happen?