Chichi: Do you smoke? Akpos: Yes Chichi: How many packs a day? Akpos: 3 packs Chichi: How much per pack Akpos: £10.00 Chichi: And how long have you been smoking? Akpos: 15 years Chichi: So 1 pack cost £10.00 and you have 3 packs a day which puts your spending each month at £900. In one year, it would be £10,800 correct? Akpos: Correct Chichi: If in 1 year you spend £10,800 not accounting for inflation, the past 15 years puts your spending at £162,000 correct? Akpos: Correct Chichi: Do you know that if you hadn't smoked,that money could have been put in a step-up interest savings account and after accounting for compound interest for the past 15 years, you could have now bought a Ferrari? Akpos: Do you smoke? Chichi: No Akpos: Where's your Ferrari then