No matter what you do, your toe-nails will grow. If you don’t cut them weekly, you’ll soon be hiding your feet from the eyes of others.

Toe-nails are like overheads. They grow.

It doesn’t matter how much discipline you have.

The only way to keep overheads in check is to regularly prune them. Just like your toe-nails.

Renegotiate your insurance premiums. Review all your staff. Implement bottom-up annual budgeting.

Start every year with neat toes.