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Mine's 18, otherwise I could have written exactly the same thing! Yes, we stayed to the end of the 7-0 too (He. Would. Not. Leave.)

I know, but to be clear I have been guilty of snarkyness myself in the past!

93% is still decent but the reduction in rate is understandable given difficult economic conditions and the continuing post-Covid travel issues. Rather than be snarky about the rate I’d have to wonder what it would have been without both the direct debit and funded travel schemes. A lot lower...