Much heartened by the barrage of criticism I’ve been receiving from both Spectator and Times readers, I’m returning to the subject of Coutts’s customer selection. I’ve learned over the years how to spot the emergence of a herd opinion, not just by the volume of shouts but also by how members of the herd begin copying and repeating – often word for word – each others’ phrases; and what we now call ‘memes’ take shape.