Backchat was snowed under (excuse the Christmas pun) with Christmas cards this year and was grateful for all of them, especially those so thoughtfully addressed to staff who had left Insurance Times several years ago (that famous insurance industry customer relationship management at its best).

But favourite of all the cards, for its innovation and originality, was the card from Loss Recovery. On it was a glass of water and what appeared to be two of those vitamin C-filled orange effervescent Berocca tablets that are advertised as helping young, fast-living, high-flying achievers to recover from the worst excesses of the night before.

Backchat likes to think of himself in just those terms and, although there were no Berocca tablets in the envelope, just looking at the card seemed to help the December morning mist clear.