SOFT GUITAR MUSIC Sam felt fine spending $45 on perfectly good wine. And why wouldn't he, after they enjoyed the entire show together, right from the start, because he got to the station two minutes early, all thanks to saving valuable time paying Doug the lawn guy with his phone. Time really is money. To keep both running smoothly, talk to ANZ about switching banks today. Now, tell me what you see in this image. CLOCK TICKS CLOCK TICKS Uh, my Christmas shopping. OK. And... this? this? Oh, uh, my new golf clubs. (CHUCKLES) Right. OK. This? This? My mechanic's bill. This? My mechanic's bill. Mm. If your credit card balance is playing on your mind, switch it to an ANZ Low Rate MasterCard and enjoy 0% per annum for a whole year. Call us today. If you ever needed proof that time is money, witness Sam here. He takes 139 seconds to pay the lawn guy, which makes him precisely five seconds late for the train. That makes him 23 minutes late for the show, which leads to two minutes of futile grovelling. 58 seconds of acute embarrassment follows, then an intolerable hour and 37 minutes of cold shoulder. Oh dear. And the upshot of all this? 60 ` no, make that $160 ` just about making up for it. Has he? He has. Time really is money. To keep both running smoothly, switch to ANZ today.