He has four times round the 21 years: is a Cambridge engineer. As a consulting engineer he has experience in UK, Africa, Europe, USA, Middle East India, Australia and all that entails. He wrote Parts I & II of the book last century - really for himself, thinking there were plenty of bankers, economists, etc. to take care of things. The Turmoil of 2008 appalled him: he wrote Part III and put an Answer forward.