Nearly the last Rose

Outside my back door growing against the garage wall and there is also another one in bud which may open as long as Jack Frost doesn't nip it.
It is much colder tonight and there may well be a frost first thing when we wake up.

We had our annual NFU farm insurance meeting this morning with A from our local branch.  I find it fascinating as there are so many situations and eventualities one is advised to insure against including concerns with buildings, machinery, livestock, illness, liability,  the list is endless.  Needless to say the premium has gone up but it is I worth it.