I got home this afternoon to find a little envelope. It looked like a greeting card from someone, but closer examination revealed the address was printed - although it was stamped not franked. My original little excitement was immediately replaced by caution.

Inside was a card. The front is shown at the top of this post. "Happy Retirement". Hmmm, that's planning ahead a little, I thought.

Then I opened it, to find this cheery greeting:

Well, thanks a lot Fidelity (for that's the company behind this nasty piece of work). Maybe it's time for someone in your marketing department to take early retirement. (That's a slightly politer version of my original, two word, response.)