Dirk missed the next thing the radio said because of the noise of his front wall flapping. His front wall was made of large, thick sheets of polythene these days, because of an incident a few weeks earlier when, in a radical departure from the sort of behaviour that Dirk’s neighbours liked to see, a Tornado jet fighter had exploded out of the front of Dirk’s house and then plunged screaming into Finsbury.

There was, of course, a perfectly logical explanation for this, and Dirk was tired of giving it. The reason that Dirk had had a Tornado jet fighter in his hallway was that he hadn’t known it was a Tornado jet fighter. Of course he hadn’t known it was a Tornado jet fighter. As far as he was concerned, it was merely a large and bad-tempered eagle that he had trapped in his hallway the same way anybody would to stop it dive-bombing him the whole time. That a large Tornado jet fighter had, for a brief while, taken on the shape of an eagle was on account of an unfortunate airborne encounter with the Thunder God, Thor, of legend, and . . .

This was the part of the story where Dirk usually had to struggle a little to sustain his audience’s patient attention, which he would, if successful, further strain by explaining that the Thunder God, Thor, had then thought better of his fit of temper and decided to put things right by returning the Tornado to its proper shape. Unfortunately, Thor, being a god, had had his mind on higher or at least other things, and hadn’t called up, as any mere mortal might have done, to check if this was a convenient moment. He had just decreed it done and it was done, bang.

Devastation.

And also the insurance problem from hell. The insurance companies involved had all claimed that this was, by any reasonable standards, an act of God. But, Dirk had argued, which god? Britain was constitutionally a Christian monotheistic state, and therefore any “act of God” defined in a legal document must refer to the Anglican chap in the stained glass and not to some polytheistic thug from Norway. And so on.

Meanwhile, Dirk’s house—not an especially grand place to start with—was propped up with scaffolding and tented with polythene, and Dirk had no idea when he was going to be able to get it repaired. If the insurance company failed to pay up—which seemed increasingly likely in light of the strategy that insurance companies had adopted in recent years, of merely advertising their services rather than actually providing them—Dirk was going to have to . . . well, he didn’t quite know what. He had no money. None of his own, at least. He had some of the bank’s money, but how much he had no idea.

“Justin,” intoned the little voice. There was no answering response.