“Have a look on the certificates. Who issued them and what is the maturity date?” That was easy. They were in front of me. I was gloating over them. “The bank is the European Bank of Luxembourg. Maturity is 31 March 2023.” “Hold on. Let me check something.” I could hear her computer keys clicking away. “Do they have an embossed seal?” She asked. “Yes, right over the figure of 1 million.” “They seem genuine enough. I can sell them. Let me think about the cash problem. I will call you later.” “Thanks Brett.” She called back after about three hours. “I have a friend with one of the banks. Their insurance division has around three million customers, of which approximately half a million pay their premiums in cash each month. That is over fifteen million that they handle in cash. He can

