Ain't life grand! Here we are back in our cosy new normal, meeting real people for real coffee in real coffee shops. And what do we charity managers discuss over our cinnamon skinnies? Yes, the perfect storm currently bedevilling our financial planning: namely a thermal push for hybrid working from staff, meeting hurricane-strength winds to slash our office carbon footprint, combined with a lethal updraught of soaring utility bills currently tearing the roofs of our cash flow irrespective of whether we rent or own.

As a colleague admitted as she drained her coffee cup, she was going back to her 2,000 square feet of office space where she and just three other colleagues were spreading themselves out while talking to other colleagues via video conferencing, as the heating continued to pump expensively round the building. And this comes after living on deficits due to two years of lost income from events and hot desking.