Minor correction: Salary sacrifice pension schemes give you national insurance relief.

Those are only the last four episodes if you listen on the radio or through BBC Sounds. Podcast listeners are stuck four weeks in the past because of a misguided BBC policy designed to push people away from podcasts towards the BBC app... Now to get off my soapbox. Wonderful programme!

Any pannier rack will do. If you’re handy, fit it yourself. If not, get your local bike shop to fit it. I always recommend a pannier backpack, so much more comfortable than lugging one with just a shoulder strap. I like the Temple Cycles backpack, but it looks like Decathlon do a cheaper version