Acknowledgements

As always, a huge thank you to my wife, Anna, who miraculously puts up with this fool year after year and for the spectacular cover photo. I’d also like to thank Jimmy Leonard for his insights after reading an early proof. To friends and family for their love and support; in particular, Ed and Trish for their unwavering kindness and exceptional dog-sitting skills. And to my good friend Colin, the owner of the original Beast.

And to all my friends in the banking industry who battled through the slings and arrows launched our way in 2008, while those in the towers above floated gently to earth with parachutes made from golden thread.