We quickly adopt technologies we see potential in and dismiss those that don't seem promising. Over the last five years, we have heavily invested in Artificial Intelligence, which has brought immense benefits to us and our clients.

They are opening seventeen distribution centres. I've never seen a company open more than two or three at a time and this company is opening seventeen! The valuation is very stretched, but the business advantages are, in my opinion, mind-boggling.

The power of regret is that it clarifies what we value and instructs on how to do better. The fact that we have so many of these boldness regrets suggests that when people tell you what they regret they most, they are telling you what they value the most, and what most people value is growth and learning.

The most important thing to realise is this; we control the market, the market does not control us.

What really characterises the experience of poverty is emotional stress. Stress is a natural human response to emotional strain, and whilst it can be useful in short doses as a catalyst, a motivator, a wake-up call, in the long term it can impact development, damage relationships and lead to self-defeating compulsive, addictive behaviours.