Luckily for the industry, small groups of executives at most of the large firms have spent the last decade studying cardholders from almost every angle, and collection agencies have developed more sophisticated dunning techniques.
Ultimately, there will be a news item: Bob, tragically, must have fallen off the ship on the last night of the voyage while leaning over to get a better camera angle on the northern lights.
Hull responded with a Geovanni piledriver that flew past the angle of Jose Reina's goal and a Liverpool defence that has conceded eight goals in their last two matches was looking shaky.