The time which, as it will come to all of us, will surely come to you. Portents include doughnuts, Horsemen of the Apocalypse, your silver bullet departing unexpectedly, and compliance declaring it is finally a suitable time for backtesting.

The Jolly Contrarian’s Glossary
The snippy guide to financial services lingo.™
Get your coat on, love, we're going to the pub. Oh, am I invited? No, I’m turning off the central heating.
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