How are you feeling today? According to a Dr. Cliff Arnall, who specializes in seasonal disorders at the University of Cardiff in Wales, today is the Most Depressing Day of Year. He has devised a formula that takes into account weather, time since Christmas, monetary debt and motivational levels and reckons the 24th of Jan is the low point for all of these. I suppose it's about this time that all those credit card bills begin to land on the mat, the weather is not great, New Year resolutions are a distant memory and there's not much to look forward to until the spring. Some might say one day ain't enough.