Good morning, it's Paul here, with the SCVR for Friday. Many thanks to Jack for covering yesterday. Timing - you have my full, undivided attention today, so I'll be working all day. Finish time about 16:00. Am hoping to catch up on HOTC amp; a few other backlog items. Update at 16:36 - I'm just finishing off HTC, it should be up by 5pm. Update at 17:19 - today's report is now finished. Agenda - Saga (LON:SAGA) (I hold) - successful refinancing of borrowings New floats - regulatory developments, and a quick look at InTheStyle Hill Report - a few comments Hotel Chocolat (LON:HOTC) - Interim results from earlier this week. Interesting company, but very expensive. . Saga (LON:SAGA) 400p (pre market open) - mkt cap £560m Corporate and cruise ship finance facilities Preamble - Renegotiation of the group’s borrowings was the last remaining significant question mark hanging over this share. That’s now sorted with today’s announcement. I’m going to keep reporting on SAGA here, despite the market cap being £560m now, it having tripled in price from the lows in Oct 2020. This is because SAGA...