I had just finished some carpentry work on a house; the people were great and paid me straight away. Even better, it was cash in hand. I decided to drive to a takeaway shop for lunch, where I would decide whether to take the rest of the day off or ring a customer to see if I could start their job. It was a warm day, so I was leaning towards going for a swim. I guess I was daydreaming at the traffic lights when my passenge...