This is a story about turning a blind eye...

I have a moral dilemma. Do I whistle blow or go public with the things I know, tomorrow, when I lose my contract at HSBC.

How do I know I'm going to lose my contract? Well, I've rattled the cage pretty hard. The problem is that I care more about the shareholders, customers and employees, plus the stability of the global financial system, than I do about some idiots playing silly political games.

Fundamentally, I do believe that markets are efficient if they are free from political influence. Also, markets only really work if there is free trade and a single currency. Trade tarriffs, sanctions and so-called 'hard' currencies are the new way that wars are waged and nations enslaved, and I'm not OK with that.

It's pretty clear that a crash is inevitable now, but I don't want to see the baby thrown out with the bath water. The laws, financial instruments, systems and infrastructure that allow capital to flow, should not be swept away.

Anti-capitalism is wrong. It's the perversion of capitalism by 'rigging the system' like Bretton Woods, that is wrong. It's the insanity of having financial instruments that are not underwritten with collatteral, like Credit Default Swaps, that is wrong. It's the institutional investors who buy every company of a certain market cap, thus creating a market for junk stock, provided its valuation can be pumped up unrealistically with ridiculous Profit:Equity (P:E) ratios (a.k.a Price:Earnings).

If we expel the money lenders from their temples, we only set back our civilisation. There will be chaos and greater inequality as a result. Just look at how the oligarchs monopolised everything after the fall of the USSR.

I'm really cut up right now by the strong desire to do the right thing, and I know that it will probably hurt me most of all. However, I'm not out to hurt anybody. I just couldn't live with myself knowing I stood by and didn't do anything when evil deeds are afoot.

Even if they're not totally evil deeds. People are still sleepwalking right into another major crisis. This one doesn't even seem to have an elegant central system designed to help things unwind with at least a little preplanning. It's all about that lack of joined-up-thinking that will cause an unpredictable domino-effect.

So, wish me luck in the morning.

I wish I was a cat and I didn't know any better. Ignorance is bliss (October 2014)

Tags: #banking #career #london #frankie #politics #capitalism #hsbc

This is a story about burnout...

Here I am, back in Cambridge, after 4 years of ups & downs. What happened?

Well, I got hit by a perfect storm. I could see the storm coming - I'm a sailor after all - but I couldn't sail fast enough to get out of the way. Part of the reason for the sudden breakdown was uncontrolled self-medication with the GABA agonist, ethanol, which had suppressed my natural anxiety response until things were literally unbearable. The other reason is a lack of support from my parents. In fact, they actually undermined me and lied about supporting me.

Life is stressful. My sister is a single mum on a low income, working 6 days a week, going through a horrible divorce. That's stressful. I was a startup founder, in conflict with my co-founder and my girlfriend, who were both pulling me in different directions and away from my investors in Cambridge and my customers and talent pool in London. That's stressful too.

Our parents are always looking for the easy way out. They are not good at taking any responsibility, but I don't blame them. Whatever it is that causes them to be so slippery at accepting that they have 2 children who need their support, I want to find out and help them. My sister is a supermum to her daugher, my niece.

Even though our parents don't realise or appreciate it, we have been working so damn hard all our careers to make sure we don't place any financial burden on them. My sister and I have suffered in our adult lives as a result.

Something had to give.

You should give your children enough to do something but not enough to do nothing. It's as simple as that. If you don't give enough to allow your kids to do something then you're not a good parent. Simples.

My sister gives my niece a brilliant life.

So, I want to help my parents with their alcoholism. I want to help them see that projecting their inadequacies onto their kids is over-pressuring them. I want them to see that their kids are nice people who care about family and want to look after their parents in the manner to which they have become accustomed, but we are living in an age when the government has bankrupted the country.

Life is hard as a young person.

Baby boomers had it unbelievably easy versus the prospects that a young person faces today. The chance of a young person being debt free, owning their car, buying a house... these are pie in the sky dreams that will never come to fruition unless your parents are able to comprehend that their dreams of being idle pensioners are of lower priority than miserable deprived grandchildren and stressed anxious children, who have become parents themselves.

We have known about contraception and family planning for long enough, that there is no excuse for not thinking about the wellbeing of any children you might spawn. Having a baby does not make you clever. It means that your body did something that it was evolved to do... just the same as a slug, a pig, a fish, a bird. Reproduction just means that you failed to use your higher brain function, and acted instead, no differently than a fly laying eggs in putrid meat. Well done.

There are a great number of barely educated and underprivileged kids who are bored on housing estates and have no hope of escaping these sink holes. They are incentivised to perpetuate generations of welfare dependent and economically inactive families. These people have been robbed of the things that would enable them to work their way out of poverty and deprivation.

My parents both went to University, so they have no excuse.

I delayed starting a family until I had done more research into the genetic factors in Type II Bipolar Disorder, and had verified whether I could consistently manage my own illness in a stressful environment. Only when I know that I'm not going to pass on bad genes and I'm not going to have another stress-related burnout, will I consider stopping using contraception.

Condoms are a good thing.

My parents enjoy looking after my cat, Frankie, until I'm ready to be a good human to him again (August 2012)

Tags: #university #career #divorce #parents #depression #suicide #alcohol #addiction #bipolar #youth #sex #politics

This is a story about thought experiments...

I had 50 minutes to draw something while in hospital. I drew this. I have been thinking about it since I lay dying on the floor, unable to move a muscle except my eyes, diaphragm and heart. My urine was like orange juice and full of blood.

I considered that dying would be a regretful waste, because I wouldn't be able to tell anybody what it was like to die. I decided that if I discovered I was immortal, it could corrupt my morality and I would eventually use that knowledge to my sole advantage. I also considered how embarassed I would be to 'meet my maker' in the full realisation that I p1ssed away my chance to learn anything from the situation.

Bizarrely, I then conceived a thought experiment, as I lay on the floor. This addresses The Measurement Problem in Quantum Physics. The problem is this: how do you separate the experiment from the scientist who is conducting the experiment? By taking a measurement you are actually part of the experiment. We see this in every experiment that attempts to measure Quantum weirdness.

Then, seemingly 'miraculously' enough of my muscle was broken down by my body so that I had enough energy to get up and phone for help. I wasn't out of the woods though. I nearly lost my kidneys. There was a lot of muscle damage too. So, just biology, and not really a miracle. I'm not a God bod now... although I did become agnostic at this point.

My thought experiment is a variation of Schrödinger's Cat, where two brave (or suicidal) scientists willingly enter a soundproof box, with a soundproof wall separating them. They then have to press a timing device for each other that must be pressed once every 2 minutes or else the timer will reach zero, and a captive bolt will pneumatically be driven into the brain of the other scientist. Given that there is a co-dependence on each other, if one scientist dies, so will the other.

As an additional twist, if the two scientists press their buttons at the same time, within n milliseconds of each other, then they are both killed by the captive bolts.

We can then start to tweak the parameters of the experiment so that we dial in a known probability of our scientists being killed. With 120 seconds of possible button push time, and 1,000 milliseconds in a second, we might hypothesise that there is a 1 in 120,000 chance (0.0008%) of both buttons being pushed within the same millisecond, which will trigger the event that leaves our scientists dead.

So, what if our suicidal scientists press the button 60,000 times? Well, then the probability that the 2 scientists will be dead when we open the box is 50/50 . This is equivalent to Schrödinger's Cat, except that 2 scientists are both alive and dead, rather than 1 cat that is both alive and dead, until we open the box.

So, what if our suicidal scientists press the button 120,000 times? Well then the probabilistic prediction is that there is a 99% chance that the co-incidence would have occurred. We would be very surprised to open the box and find two living scientists. However, there is still a possibility that - no matter how slim the chance - they could have played Russian Roulette with a 100 bullet revolver loaded with 99 bullets, and somehow managed to fire the empty chamber.

So, what if the scientists playing the game keep playing and playing and playing and playing. What if they eventually grow tired, having run many millions, billions, trillions, quadrillions of iterations, and they are still alive and button pushing? What if they decide to rip off the equipment and step outside the box? What would they know?

They would know that Quantum Theory's prediciton of immortality is very likely to be correct (Many Minds interpretation) and also know that this can be communicated beyond a single conscious surviving mind.

I know that this is very messed up. Similar thoughts troubled another JPMorgan IT bod to the point where he took his own life.

However, we can't ignore the predictions of a fundamental theory that seems to be borne out by the experiments that we can conduct ethically. But why are we asking intelligent people to do stupid jobs? Is that ethical?

I have always had a passion and aptitude for science and art, but we are all in a debt trap. Without the brain draining work of Global Banking IT, I could never be debt free. My myopic ex-wife got greedy. She now has a paltry amount of rapidly devaluing fiat currency, rather than a tangible freehold property asset.

This is the kind startup I really want to be working on.

I started building this but my divorce nearly destroyed me (October 2013)

Tags: #physics #depression #suicide #mentalhealth #NHS #startup #career #divorce #banking #capitalism

This is a story about unquantifiable needs...

It takes a lot of effort to keep up with somebody in distress. If you're not going to go the distance, you are just guessing, and you will be wrong on every conclusion drawn from lazy presumptions.

Whenever my homeless friend Frank phoned me, I would get on my bike and travel from Kentish Town to King's Cross to meet him. This might have been rather inconvenient for me, but I had started so I was going to finish. That's the first thing you need to know about me & Frank: we are determined people who finish what we start.

I had decided to take a trip to Prague, Czech Republic, to see a friend from the Springboard Accelerator Program, Cambridge. In so doing, I wasn't there for Frank. The consequences for him were nearly disastrous.

Did you know you can't keep one single solitary crab in a bucket, because it will crawl out and escape? However, you can keep two or more crabs in a bucket, because as soon as a crab tries to escape the other(s) will pull it back down into the bucket. They keep each other imprisoned. Mutually assured destruction.

Frank is a happy-go-lucky kinda guy, like me. We trust people. We give people the benefit of the doubt. We ran into some of Frank's 'friends' just before I had to catch my flight to Prague. They tried to mug me. Luckily I was streetwise enough to see what was happening and I cycled off. There was nothing else I could do. They stole Frank's iPhone, so I couldn't contact him. I had no idea what had happened to him.

When I got back from my trip to Prague, I got a call from Frank's friend, Paul, saying he had just been discharged from hospital.

There was a significant disparity between Frank's story and his hospital discharge notes. He told me he had been discharged from St. Pancras Hospital, but his discharge notes were clearly from UCLH. He told me that he had sustained a head injury, but there was no mention of that in the notes.

However, what did check out was that Frank was an alcoholic and he had gone through untreated withdrawal that could have killed him. Delirium Tremens killed the famous singer Amy Winehouse and it nearly killed Frank. The notes didn't seem to draw much attention to the fact that he did not receive treatment for his withdrawal. I guess London hospitals see a lot of homeless alcoholics though... mainly in the morgue.

When I first met Frank, on Primrose Hill, the first thing I noticed was that he was clean shaven, well dressed, had a tidy haircut and spoke articulately. The second thing that I noticed was that he was drinking at 7am. When we went to get a cup of tea later, I noticed that he started shaking quite badly... it was time to skip the tea and get him an alcoholic drink.

Buying alcohol for an alcoholic? Had I lost my mind?

You are ignorant about the dangers of abrupt alcohol withdrawal syndrome for an alcoholic. It's not a perfect solution, to buy them a beer, but do you really want somebody having a Grand Mal seizure and dying right in front of your eyes, because you are too stubborn to educate yourself about the damned-if-you-do-damned-if-you don't trap that an alcoholic can't escape.

So, alcoholics are abandoned by society, begging enough money to self-medicate for their physical dependence with the threat of horrendous withdrawal syndrome and possible death, if their blood alcohol level drops too abruptly.

How do I know this? I've known alcoholics, I've seen people get treated, I've read books and papers and online resources. You can do it too, if you care. It's certainly a lot easier to be wilfully ignorant, though, and incorrectly say "why don't they just stop drinking and use some willpower?". It's certainly a lot easier to not know any facts and just be wrong about everything.

What if that person was your son, daughter, brother, sister, husband, wife, girlfriend, boyfriend, friend? Just let them die, right?

Well done.

First, do no harm (October 2013)

Tags: #frank #homeless #alcohol #addiction #NHS #friends

This is a story of a seemingly simple equation...

1 + 1 ≠ 1. I have been trying to make a single 'perfect' life by finding 'the one' but this has not led me or anybody to nirvana.

I was once so desperate for 'love' that I tried to make a relationship work with a girl I didn't fancy and a male boss, who was gay. You can't say I haven't tried everything!

I've had some lovely girlfriends, but it's been rather hard for them. I think I started 'clingy' and then progressed to 'intense' and then didn't really develop much from there. Not sure why it's taking me so long to realise that these things can't be rushed.

So, I got married, and we had our first test of in sickness and in health almost immediately, but we got married in Hawaii, so I'm not even sure if that was part of the vows. I certainly feel like it's a pretty crucial part of a loving committed relationship, but I don't know what the correct formula is.

When I had to go into hospital, soon after getting married, my wife said I would have to choose between her and treatment. I was pretty sure I was going to die if I didn't get treatment, and it was the reccomendation of my doctor, so I was kind of caught between a rock and a hard place.

I had pretty much offered my wife my head on a platter, as some kind of crazy symbolic gesture of how much I loved her, but that I felt I needed to demonstrate my love in this way was most confusing and distressing to me. I can see that this was my problem, not hers.

I left London to live the dream of having a place near the beach and kitesurfing every day. While I was down at the beach one day, my then girlfriend went through my stuff and when I returned to my car to warm up, I saw that I had a message demanding that I return home immediately... I was being summoned to court. Not a real court, but I had been summarily judged to be various things. I had to scamper back as quickly as I could to face my charges.

I don't blame my ex. She had added up 2 + 2 and made 5. She only cared about me, and about our relationship. She was worried I was a drug addict, because she had been through my internet search history, and found that I had Google'd "Nutmeg" after our friend had said that it had psychoactive effects comparable with strong narcotics. Frankly and truthfully, I merely wanted to find evidence to repudiate these unlikely claims.

My ex had good reason to feel insecure though... our friend had kinda gotten my attention. Not to do with the drugs, but she was and still is a larger than life character who defies being ignored by any and all male attention. That does not mean I wanted to cheat on my ex. It means I can still look at a cheeseburger when I am eating a steak.

The company that my ex was working for at the time sent her away from my beach dream life quite often, and I was lonely in the flat that she had insisted that I rent to be close to the office that she never spent any time at, in Poole. I had offered to move to Oxford, where she was working most of the time, but she had promised me that her contract would not be extended. Having worked for the same client and received several extensions myself, I could see that this was unlikely.

So, my friends looked after me, when I was all lonely in our huge apartment that was nowhere near any of my friends. We went out and sang Karaoke. We got drunk together. My certain female friend in question even offered to try and help me with my lifelong dislike of blowjobs... I declined, because I was in love with my ex. It was a thoughtful gesture though.

My ex could see that there was a certain chemistry though, and I guess she grew insecure. She tried to break up with me, without an explaination, and I was confused as hell. I stuck with it and she could see that I cared about her very much and so she gave it another go, but I never really understood what that was all about, until I just wrote these words right now.

The thing that she never seemed to realise is that I only had eyes for her. She lit up a room when she was happy. I remember walking with friends down at Ringstead Bay, near Weymouth, and the girls were walking along together in a line, when I turned back and shot my ex a smouldering look, completely by accident. I was so in love with her, it was so visible to everyone else that the girls either side all went "aaahhhhh" simultanously.

I hope my ex is happy now. I hope she has moved on. I hope that I made enough space and gave her enough closure that she has been able to pick up the pieces of her life and carry on. I'm really sorry that things didn't work out, but I hope the breakup can somehow be for the best in the long run.

So, one of my best friends reminded me last night of the rule of thumb for getting over someone. Seeing as me and my ex were off-and-on from 2005 to 2013, I guess that means there will be a situation vacant in 2017, but until then women should steer clear of this particular emotional juggernaught.

Show me the way to Mordor (October 2013)

Tags: #love #divorce #LGBT #friends

This is a story of a culture that lives in the hearts and minds of people, not a place...

Look how happy this burger flipper is! Look at him! He's so happy! There isn't even any ham in his hamburgers! He flips his burgers to D. I. S. C. O. music, and he is HAPPY!

What a lovely lovely thing the American Dream is. I totally buy into it. I've had the very best of it. I've flown in Boeing jets, driven Ford Mustangs, eaten McDonalds drive-thru, spelled words like "color" and "center" deliberately when in an American English context. I love the way that American culture has enriched every part of my dull beige British life.

I like British culture too. Some of it is cheap and tacky, like Spice Girls and the St. George's flag, but some of it is edgy and just downright edge-of-your-seat unmissable. Who can tear their eyes away from the tormented souls, the mumbling, bumbling, sexually repressed and oh so terribly polite British demeanour, where we start and end every sentence with a "Sorry".

You can't beat the brash snarl and roar of an overdriven electric guitar. However it's the British homage to American stadium rock that somehow lasts, beyond the brilliance and inspiration of Hendrix and a rock-and-roll 60s generation, who burnt out in a blaze of glory.

Let's see how many clichés we can pack into a single sentence about The Americans, who are the candle that burns twice as bright but burns half as long. Like a moth, we are attracted to their bright flame, but like Icarus, we need to be careful that our wax wings are not melted. You can't stare at the sun for too long. There's a little black spot on the sun today, it's in the same old spot as yesterday... yes The Police, and their illegal alien in New York are pretty clear about where they would really like to be Citizens.

I would love a precious Green Card, but I fear rejection by the prettiest girl on the planet... by which I mean the United States of AM-ER-IC-AH, F**k Yeah! I'm not even kidding. When I'm there, I feel like I just stepped onto a movie set. I find myself just gawping at road signs, or pinching myself when I'm driving down the freeway.

So, it's true. If you make great music, great movies, and you are contributing volumes and volumes of literature, art, music and amazing companies, technology, and thought leaders... how is it surprising that everybody wants to live there, and have a slice of the American Dream

That's the true "trickle down" effect, in my not-so-humble opinion.

Please let me in. I'm a refugee of the humdrum boring life that is not at all what I was brought up to expect from Hollywood and the adverts that told me I need to consume consume consume. I'm not even joking. Or maybe it's my dry British sense of humour. Dare I say... irony?

America, I love you x (I really do)

Tags: #america, #NHS #culture

This is a story of queue jumping and those who get left behind...

I keep this in my wallet, to remind myself not to be one 0f the self-important pricks who thinks they deserve their position in the world. It reminds me that it's never OK to barge in front of the struggling masses. I found it in the middle of a forest in Ireland. The former owner, I imagine, was a jumped-up London eedjit who littered one of the most beautiful and unspoilt parts of our world I have ever seen. This little patch of green is one of the few places to not have been totally screwed by selfish and greedy monsters.

This keepsake also reminds me of the day that I decided to make a switch, from being so consumed with the rat race that I was unable to stop and smell the roses, to notice that there are very few places left that have not got massive concrete tower blocks, huge piles of plastic rubbish, terrible air quality, polluted rivers and all the increasingly obvious signs that the human race is acting with little or no care for the future of the planet.

It also marks the day that I reconnected with nature, having been stuck in the concrete jungle for far too long. The problem with London is, that unless you have a healthy outdoor hobby, like cycling or surfing, you have very little connection with your environment. We live under artificial lighting 24 hours a day, and our views are dominated by huge buildings, not towering trees.

Another problem with London is the drinking culture. I'm not sure if London drinks alcohol to switch off and get some sleep, after all those strong coffees, or whether to numb the realisation that the standard of living is actually pretty poor, when you consider long commutes, high rents, overcrowding, crime rates and poverty everywhere you look (except for Canary Wharf, which is a private estate).

So, I decided that I am going to quit drinking. This is harder than you would think, when you work in an industry where a standard interview joke with a candidate is "Do you drink? Don't worry if you don't, we can send you on a course". They closed the bars in offices, as the City has cleaned up its image, but you can still roll from your desk straight to a bar within barely a few strides.

Let's be clear about my drinking though. I drank pints of lager out with the lads from work. Drinking spirits and drinking alone set of alarm bells in my head, luckily, but binge drinking huge amounts of beer is not good either, even if everyone else around you is doing it too.

It has taken some time to prepare my colleagues for the relinquishment of my final vice. I have never smoked in my life. I gave up caffeine over the last year or so and I am now completely decaffeinated. I am targeting targeting a 1 pint a week, which will be cut to zero in October. This is a drastic reduction from having 5 or 6 pints of Peroni (over 5% alcohol) on a midweek evening, and my body and my colleagues have felt the impact.

So, at first, my body was extremely unhappy about going alcohol free. My sleep was terrible. I was waking up sweating in the middle of the night. In the morning I felt like I was full of flu: aching joints, feeling sick, painful abdomen. This was when I was STOPPING... surely we are supposed to feel better, not worse? Well, as it turns out, it takes quite a long time before you start to feel better.

I was shocked by how long it has taken me to taper my alcohol consumption down to just a single social drink, which I accepted on the proviso that nobody was allowed to pressure me into having another one, and I would go home after I had finished it. My colleagues carried on and were nursing hangovers the next day. I felt surprisingly rubbish after only 1 pint, but I was able to get up and have my breakfast at the normal time.

I think it really is like my friend, Tim, often jokes: "I'm not an alcoholic, because alcoholics go to meetings". The City runs on that kind of gallows humour. However, I have now started to lose friends and colleagues to alcoholism, and many more are very ill indeed. I don't want to be next.

Could this be my last ever pint? My body and brain wish it was (October 2014)

Tags: #career #london #alcohol #addiction #mentalhealth #banking