My maternal grandfather was exiled from Haiti and remained outspoken, highlighting the cruelty being inflicted on the Haitian population. His experience shaped me – and shaped my own mentality of being tough, resilient, picking myself up from disappointments, and continuing to move forward. We cannot be paralysed with disappointment when things don't go the way we want.

Don't make the mistake of confusing net worth and self-worth.

I actually encrypt my wishes and goals into the things I do. There are creative ways for each of us to embed our wishes into our daily lives, but we have to set those wishes to start with.

Well credit, as you say, makes the world go around, but we want the right amount of credit. Too little credit and the economy can't grow, too much credit and the economy becomes unstable and we have the great financial crisis. So we need to find that proper Goldilocks point in the middle.

There is no magic formula for great company culture. The key is just to treat your staff how you would like to be treated yourself. People are fundamental in driving the success of a business. You should treat your employees like the smart and capable adults they are.