Benign debt paydown profile

So I was on the train home last night accompanied by the usual collection of South African accountants heading to Wimbledon and corporate brokers heading to Farnham when the woman standing next door got involved in one of those tedious high-volume one-sided mobile calls that make other commuters' lives hell. Said woman, however, was a very loud, very confident and very OK City yuppy, brimming with uber-confidence and desperate to tell the equally bumptious person on the other end of the phone how simply ghastly the weather was in New York at the weekend, and how it was absolutely dreadful that poor Jessica had just got pregnant after moving in with her boyfriend of nine months.

Then, the two blonde, tanned South African girls next to me on the other side started sniggering loudly, saying in a thick Gauteng accent "Does she know how ridiculous she sounds?" "Yah." Long live multiculturalism - your opportunity to hate people of all races equally...

Still, at least the South Africans are moving up the London social food chain