Howard, 18 years old, was buying an expensive bracelet, to surprise his girlfriend on Valentine’s Day, at a very smart jeweller’s shop in Hatton Garden, London.

The jeweller inquired, ‘Would you like your girlfriend’s name engraved on it?’

Howard thought for a moment, grinned, then answered, ‘No, instead engrave ‘To my one and only love’.’

The jeweller smiled and said, ‘Yes, sir, how very romantic of you.’

Howard retorted with a glint in his eye, ‘Not exactly romantic, but very practical. This way, if we break up, I can use it again.’