I’ve never been one just to sit around and grumble when I see something going wrong. If I come across a problem, my immediate reaction is to work out a way to solve it. But what could I, a small businessman from Burnley in Lancashire, do to tame the massive beast that was the worldwide financial system? It was a David and Goliath situation. Or maybe that should be Dave and Goliath. Whatever: in situations like that, Goliath usually wins. And yet the idea wouldn’t go away. There were instances of Goliath coming a cropper, weren’t there?