In this business, I don't know how you can have a plan or how you can orchestrate anything. But I've been lucky with my choices. I'm very strong-willed, so I've been able to stick with it. I'm lucky there.
Housing associations have fingered the fact that they cannot use their assets as liquidity due to Bank of England rules unlike their continental equivalents. This has emerged to be one of the main bottlenecks to getting investment going in the U.K. It is a Bank of England issue.

