No, not them. They’re a nightmare. I mean the core people; the really really useful ones, who could never get on to the property ladder.

D’you know, it sounds silly, but I actually feel quite happy when I think about them now. The core people. I actually feel a powerful sense of relief, knowing there’s finally some light at the end of the tunnel.

Too wonderful, isn’t it? So anyway, when did you buy?

Oh. Well. We were lucky. We bought during the mini-slowdown – do you remember? Sort of ­January-February 2001. It didn’t last very long.

Of course I remember! David was very clever. Snapped up a super little two-bed in White City. Above a halal butcher, which was rather funny.

Very multicultural!

Buy-to-let.

Oh, right.

We’ve made quite a nice little profit on that, actually.

So – yes, we got our place in February 2000, and we were quite smug because the house next door had gone for 180k more and that was in the December; and it hadn’t even been refurbed.

Lovely.