Best I could get

Through the internet , I've learnt that one can negotiate for rates from the bank .

So I gave them a tinkle because I still like to do things the old fashioned way .

First person I spoke to offered me 4.1% . That was when groaned that other people were getting 4.2% from them .

Next years bonus

Every now and then , I do get influenced by other people's writings and upon reflection , I will act on and adopt the ideas they moot. Or take part of it and mod them to my own convenience .