There was a weary air of predictability within hours and days of Margaret Thatcher's death about all the things she can be blamed for.
National Savings & Investment (NS&I) is to close its Cash ISA and automatically transfer customers to its Direct ISA in May as part of long-standing plans to simplify its range of savings products.
I really wanted to start the year in good heart, but sadly as the dark days of January grind on, I am finding it very hard to get enthusiastic.