Brian Tracy

Leverage is great when it works, and when it doesn't work, it creates a lot of issues. So I think if you limit the amount of leverage that people can borrow, or that banks can borrow, I think you'll find that you'll have a lot less issues going forward.

As England manager I always felt we needed an extra man in midfield to retain the ball, but that was more as an attacking ploy to help create opportunities. It came from my experience playing international football in a 4-4-2 and spending half my time chasing the ball.