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.

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It features a 16-megapixel sensor and 5x-Optical Zoom 28mm wide-angle lens to capture memories that last a lifetime.

ENGADGET: Canon PowerShot ELPH 130IS brings WiFi to the company's high-end point-and-shoot line

Ferreira equalised with just about the last action of extra time with a neat finish from a tight angle after Robinson had flapped at a cross.

BBC: Blackburn 3-3 Chelsea