Me (perusing entire supplement to the Irish Times on the joy of skiing) : Michael would you like to go skiing again?
Him (who last went skiing when he was 3 and retains no very firm memories): Yes, I think I would.
Me: Maybe we’ll go then, not next year but perhaps the year after.
Him: Remember the bust is coming.
Who has spent a lifetime absorbing the lessons of the 2008 crash and its aftermath, then?