Colin Salmon

I grew up on a council estate in Luton, and as a child, I was very much into the brass-band tradition. I was basically a Salvation Army boy. My English granddad bought me a cornet when I was five years old.

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.