I don't have a dime left. I am dependent on my friends for food and a small old-age pension.

I like eating out. I like buying beautiful paintings and being surrounded by beautiful things. I have to finance that life. I can barely afford a pension scheme because I don't make enough money.

I have a fear of poverty in old age. I have this vision of myself living in a skip and eating cat food. It's because I'm freelance and I've never had a proper job. I don't have a pension and my savings are dwindling. I always thought someone would just come along and look after me.

That willing suspension of disbelief for the moment which constitutes poetic faith.

Imagine if the pension funds and endowments that own much of the equity in our financial services companies demanded that those companies revisit the way mortgages were marketed to those without adequate skills to understand the products they were being sold. Management would have to change the way things were done.

The people who did the collateralized mortgage obligations sold them to pension funds then sold them short then bought credit default swap insurance on them are just amazing. They are a law unto themselves.