Excuses, excusesIf you have been around for as long as I have, and dodged as many bullets both real and metaphorical, it is inevitable that there will come to be some areas in which you are prepared to raise a confident hand and proclaim “yes, on this I am an expert”. For many of my readers these may include such valuable skills as option pricing, say, or the intricacies of such-and-such an exchange’s clearing facilities. Rather more prosaically, my speciality is the avoidance of debt repayment and, in more extreme scenarios, the avoidance of creditors. There hasn’t been a bill sent...