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Every sport has a secret language. It’s there to let you know when you’re in for a worthwhile conversation. It’s a security blanket for the initiated. It keeps the outsiders out and the insiders snug and warm. But sport’s one thing. The financial services industry is quite another.

Everyone in financial services knows there’s no such thing as small print any more.*

*Well, not quite.

Let me introduce myself. I’m Mark Richards, and I’m an ex-IFA.

The next time you’re in a panic about buying brunch in Florence or Flanders, you could find that ordering in English might not be such a mad idea.

I was watching an old Masterchef last night. Three of them were quickly eliminated. Just as quickly the nation learned that they were “gutted.”

“How do you feel at not knowing how to make a fish finger?”