Blue Sky Thinking, Granular Thinking, Thinking Outside of the Box blah, blah, blah. They are all just words. But every so often a company does come up with an idea that’s a little bit new. Something that’s not immediately obvious.

For example, wealthy people tend to be time poor, so a Dutch-based private bank called Insinger de Beaufort came up with the idea to send its clients a shoe box. That’s right, a small box in which to drop anything finance or expenses related. Every month, the bank sends a courier to collect the box and, within three working days, sends back another empty box together with an itemised list of the resulting bills that have been paid. Genius.