I worked my way, literally, through elementary school and through high school. In high school, I caught a break, I was on my way to buy a Slurpee, like maybe 12 years old, and a guy dropped something on the street, and I went and picked it up for him and put it on the back of a truck. And they're like, Hey, why don't you help us load this truck. I said, sure, I got nothing going on. And I just loaded a truck with them. And then like an hour later, they said, Well, hey, kid, why don't you come deliver the truck with us. And I said sure.

Now remember, this is time where parents didn't worry about their kids. It was relatively safe. I'm a 12 year old getting into a truck. We drove to Westchester unloaded the truck. I get back four hours later. And the guy says What are you doing tomorrow? I'm like, I don't have school tomorrow. He goes, we'll be here at four o'clock in the morning and you can work.

And I worked every minute of my life through high school.

Distressed property - maybe it’s dated on the inside with bad cabinets - can always be repaired, not distressed people. And so we focus on distressed properties, not distressed people. And that platform has worked very, very well for us.

So where does Lenuity fit in? Well, financial services and construction are the two most important things to get the UK out of a recession. Construction is building wealth for the economy. It's providing homes. For people, these are really important things, it's providing jobs, this is an incredibly important thing to drive us out in a recession. And what we're doing is enabling them to thrive in the current environment, to sell like they've never been able to sell before. Not even in boom times.

When you if you take a look back at what happened to the car industry, when they started financing their customers, it was just a massive boom for them that they could create better offers, their business became more profitable, that they had a reduction in costs. Now, when you get into house building and construction, this is magnified for bigger reductions in costs, an area of waste that they never even talk about that, you know, they talk about waste on the building site, we're talking about the financial waste of holding costs, we're talking about the difference between completions that take three months, four months and five months coming down to two weeks.