The overwhelming emotions among clients of our bank are invariably greed and fear. The ultras - with their £25 million and above - are never sated by their net worth, and always want more.

The minnows - with £1 million plus - are frightened of losing it all, particularly in these inflationary times. We dignify these raw emotions by calling them either wealth appreciation or wealth preservation attitudes.

What a relief when clients come along who are perfectly at ease with...