Charles Dumas, Economic Consultant

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7.05am: Lacking the more old-fashioned form of alarm clock that jumps all over you at 6am, demanding to be allowed into bed, I wake to the clangour of the alarm clock bell. Three seconds after go back to sleep having shut off the alarm.

7.20am: Wake up feeling guilty and stagger downstairs to make coffee, eat banana and listen to Radio 3. Then I do some exercises, bath, dress, look at post.

8.20am: Unfold fold-up bike ready to curse all the white vans and red buses between Camden Town and Cannon Street (unless it's raining, in which case Mornington Crescent Underground station beckons).

8.50am: Read Bloomberg screens and the Financial Times and other newspapers and choose topics for our International Service Daily Note. This generally goes out in the morning, but if we are covering important US data releases in depth it has to be the afternoon.

9am: Lombard Street Research's morning meeting. Daily Note topics for international and UK services are outlined, controversies are raised and argued through. Client developments and service improvements are discussed.

9.15am: Spend an hour preparing slides for my Frankfurt presentation, which is due at 4pm. Colleague Gabriel Stein to write Daily Note on the boom in French housebuilding, boosted by sub-4% interest rates.

10.15am: Read Daily Note and make a couple of minor suggestions.

10.30am: Leave for airport to catch 12.15pm flight to Frankfurt. Complex mental activity, almost as stressful as trying to walk straight and chew gum at the same time. Short-haul air travel gives one the chance to develop alertness skills involved in dodging queues and catching oneself getting furious just in time to avoid vituperative and counter-productive attacks on airline officials. All the time, of course, I am engaged in profound thought - with a little help from the Excel software - on the topic of US credit expansion. This is shortly to be the subject of an extended analysis as one of our monthly think-pieces, the Monthly International Review.

2.30pm: In taxi on the way into Frankfurt. Start to flesh out the ideas involved in the presentation on current capital flows and global economic developments. Everybody has their own approach to preparing a presentation. Brian Reading, my predecessor, simply liked to talk, with minimal visual material: that way he made sure people concentrated. I like to be thoroughly familiar with the ideas and numbers that I am dealing with and to talk from fairly comprehensive slides with only an outline prepared.

4pm: Twenty-eight people from 19 institutions attend the seminar. This is a good-size audience, as it is large enough to ensure good business development, but small enough to permit lively audience participation and discussion. The theme of the presentation is that recovery in Europe and developing Asia, together with stabilisation in Japan, mean that continued rapid US expansion could lead to greater inflation and a less attractive home for international capital flows.

6.15pm: After 45 minute presentation, 30 minutes of questions and discussion, followed by drinks and further informal discussion, marketing colleague and I jump into taxi to catch 7.15pm plane back to London.

7.15pm: We get back the hour we lost on the way out to Frankfurt by landing at the same time GMT as we took off from Frankfurt.

8pm: Get on train at Reading to go to friends in Gloucestershire.