The first principle is that you must not fool yourself and you are the easiest person to fool.
It's the age of information and we need to just get as informed as we can about what other things might help us live healthy lives.
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.