Wow. I respect the lengths that you go to in order to uphold your principles and insulate your finances against risk. I'm curious about two things. Firstly, as I see you are transitioning from a career as a solicitor, I wonder: has your approach has been influenced by insights afforded to you through your exposure to the law and its breakers? Secondly, I wonder if it is only your money which you protect so carefully or if you also insulate other areas of your life against risk with such commitment: car choice, home security, health checks, diet, location, crime rates etc etc?