File early. The window is shorter than people think and it starts at the transaction. Two years in on a 3-D Secure prompt and it lines up.

The last ten percent of a taper takes as long as the first ninety. Nobody says so until you are in it.

Is a baseline blood test really necessary before starting something like this? How long have you been on ginkgo biloba?

Filing early beats arguing later. And ask for the reference number, always.

Fifteen years of this and the function column is the only one that changed anything for me. Also, one page of history, printed, handed over at the sta…