Mr. Jones paid extra for the flood damage endorsement on his house insurance.

Over the years he had stitched Dr. Bailey's black bag, Paul's pram hood, the net balls at the village school, and saddles and bridles for Joan and Ruth when they were small, and kept in trim the footwear that passed and repassed his window as the various owners went about their business on Thrush Green.

What began as a zeitgeisty outlaw romp in the Uncool Britannia of the 1990s is now reborn as a scabrous and brutal black comedy about middle-aged male disappointment and fear of death.

It’s the start of a new series of rules concerning “open banking”, where customers will be able to share their personal financial information with companies other than their bank, opening up opportunities to get better deals on mortgages, overdrafts and comparing insurance and broadband deals.