We were summoned in to the bank and we were sure oue overdraft was going to be withdrawn and that the rug was going to be pulled from under us. This would have caused us great hardship as we had spent the money on improvements and buying the extra land for car parking. But Ben who certainly knew how to handle bank manages, came with us and supported our case, so much so we managed somehow to get a stay of execution. He still visits us and often talks about how the meeeting changed from one of total bleakness to optimism. Over the next year a comprehensive plan was put in place to ensure our business survived and could expand. The bank manager worked hand in glove with our new accountant. Ben having sacked the previous one., and whatever we did they monitored to the nth degree.