The toddler looked around the bank and smiled. “Acceleration,” she pronounced. Or at least that’s what it sounded like.

She was about two; wearing spotted wellingtons and an Alice band from which bobbed twin union flags in the shape of crowns. A child’s fascinator.

“What?” asked her parent.

“Celebration,” she said, rather more clearly, and in case she still wasn’t understood, waved her arms at the bunting draped across the walls.