Appearances are not everything. Even an old-established firm with palatial showrooms and every appearance of prosperity may rest on a rotten basis. And what does one do then? Does one run about crying out that times are hard? No, one buys a new and luxurious car. One spends a little more money than usual. One lives a little more ostentatiously. For credit, see you, is everything! But sometimes a monumental business has crashed – for no more than a few thousand pounds – of ready money.