It was 0C per the car thermometer. No frost, but the slipstream of moving off froze the little bit of condensation outside the sweep of the wipers.
Can someone explain to me the fundamental difference between writing 'Loan' at the top of a column, then writing 12 lots of monthly repayments, tapping the same numbers into a calculator and writing the result at the bottom and typing the monthly payments into Excel, typing 'Loan' in the cell next to the top one, duplicating it next to all the other by selecting the cells and pressing CTRL-D, then creating a pivot table by pressing ALT-D, P and a few mouse clicks? The second is 'reproducing the cashbook', apparently.
But then he did dismiss me trying to show him how I got a column full of consecutive numbers without typing each one individually as 'technical stuff'.
I was tempted to put my work PC outside his office door...