AFC Energy (AFC) is the debate of the day and I start with a few thoughts on the problems of valuation. I end with another zeitgeist theme – the self-entitlement of the public sector and where that leaves we wealth creators. In my case, it is thanking God that retirement is not that far away!. In between, I ponder whether we will have a full blown banking crisis to dethrone folks like Alison Rose, the virtue signalling poltroon running NatWest, and other top banksters.