Devastated!

I spent the night in Aberdeen after that fantastic Sportsview Personality of the Year event at the P and J Arena.
In the morning, I went down to the beach to take some photos.
But, when I got home, there was a letter from the bank.
A Christmas card perhaps!
No. It was to inform me that they will be reducing the interest in my account from 0.2% to 0.1%.
This means that instead of getting 20p interest per annum for my £100, I will get 10p.
Hence the title!!!