sues list was shorter , at the same time as the little things were going on in charlottes household , franklin apparently had told shaun that his bank was advising larger account holders to tidy up their affairs , and were providing bright young things to advise them how best to do this , although apparently he had added that the said bright young things did have a sheaf of policies and other bits and bobs in front of them ( that required extra charges ) at the same time .