Madam, – Ebenezer Cowen, after years of being profligate, mostly with the money of others it must be admitted, is tormented by four ghosts (ECB, IMF, ESRI, ISEQ) and decides to mend his ways. He embarks on a miserly mission to take from the poor and needy all the better to bolster the banks and those who are already very rich. In some parts of the land Christmas is cancelled and a bad time is had by many. – Yours, etc,