When leman went down, i was very cautious on the scottish banks that had regressed into a culture of sales almost in a year or two. And ther balance sheetsereway over extended. So we were short o that whole area. On coming into december, we had only lost three or four % of people's money. But am the tale of our portfolio hurt us in the final two or three weeks of the year. It really kind of whilst i we recovered and managed to have some good years after that,. I felt that it was now time to try and take control my life and try and do things where i'm not going to be so hostage to exogenous

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