If you work for one of the 'Big Boys' of retail and banking the last thing you want to see right now is someone from head office walking into your branch in an over-pressed suit and an expression on their face alternating between glum and sympathetic. It's almost as if these people spend the time they find on their hands during lockdown dreaming up new ways to restructure companies that have already been manipulated like a long balloon being forced into the shape of a chihuahua, avoiding the eagle eye landing on themselves.