WTF???
Up at 3.45 because I cannot sleep. I was lying in bed thinking about a friend's DH's pending redundancy, the disasterous state of my paperwork, the fact that my ear plugs and a pillow over my head still does not block out DH's snoring and wondering what possessed me to set my alarm for 5.30am so that I can update my policies??????
Off to sort out the paperwork. I cannot do anything else about the rest.