A passport office works Monday to Saturday and is shut on Sundays and the holidays shaded orange. An application is filed on the circled date and must be collected within 20 working days after it. What is the last day to collect it?

Count working days after Monday 22 October: 23–27 Oct (5), 29–31 Oct (8; 28th is a Sunday), 1 Nov is a holiday, 2–3 Nov (10), 5–9 Nov (15; 4th is Sunday), 10 Nov (16), 12 Nov is a holiday (11th is Sunday), 13–16 Nov (20). The 20th working day is Friday, 16 November. (Thursday 15 November misses one holiday; Monday 12 November ignores both holidays and Sundays.)