Minor scare yesterday. Found out from our payroll department that the deadline to change my bank account (to get my pay into) is late next week - about a week earlier than I thought. That suddenly meant a lot of things needed to be done even more urgently to prepare for imminent bankruptcy than I had expected. Panic! Sorted it out this morning however - payroll will accept my wife's bank account number - so now back to having time to sort things right. Hopefully.