Simon Mawer

I was a boarding school product from the age of eight, and I hated it. Though I do have a theory that boarding school is good training for writers because it's so desperately lacking in privacy: you make space for yourself by having an interior life.

Guernsey itself was overcrowded, but its cliffs were utterly empty. I spent a wonderful year with a friend, climbing them. It was sheer magic: you went from this pretty, busy village of an island to the sea cliffs and heard nothing but the gulls and the waves.

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.