John Niven

I love Twitter, and my little corner of it is heavily weighted in favour of women, many of them writers: Caitlin Moran, India Knight, Lauren Laverne, Grace Dent, Deborah Orr, Marina Hyde, Suzanne Moore. I look at that list of names and think, 'Here comes the fun - fun that knows its way around a dictionary.'

If you put a frog in boiling water, it'll jump straight out. If you put it in cold water and gradually bring it to the boil, it'll sit right there until it dies. Scotland has been sitting in England's gradually boiling water for so long that many people are used to it.

I wound up becoming an A&R man at London Records in the 1990s, during the boom of Britpop, the last great gold rush of the music industry. I saw incredible greed and terrible behaviour. I was greedy and terribly behaved.

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.