An email arrives from the desk of Mr Usman Adama, accounts manager of an African bank. He says he recently came across a huge sum of money belonging to a deceased person who died in plane crash.

Yeah, yeah, you are thinking. Heard that one before. But hold your horses. What if this guy is on the level?

The tragedy is that these fraudsters are giving a bad name to all the honest Nigerians who need to use your bank account to deposit $80 million. No one will give them a fair hearing.

I think I’m going to give this guy the benefit of the doubt.