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In his piece, Ray meets Sturla Jonsson (above)..."an extremely friendly man, he's lost his business and is about to lose his home."

The photos below were "all taken at around mid-morning, which shows how late the sun comes up in Reykjavik at this time of year (around 11, if you're lucky, going down about 3). They're not saving on Christmas lights (they get all their energy free, from geo-thermal sources; the xmas tree is donated every year by Norway) but neither are they expecting a bumper xmas shopping season. Sturla told me he'd holiday'd last year in Florida, but this year's outgoings would be 100 times smaller."

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