When I was growing up I would always watch the more experienced players to see what they were doing and why they were doing it.

You want to achieve the most you can in the short period you have in your career as a professional footballer.

Every experience, good or bad, is a learning process.

Players at the highest level have got high football intelligence, so they can adapt, but at the same time you need a structure and an idea of how you've got to play that system.

I remember always going to the train station where I grew up, and on the wall was written, 'The real wealth of a nation is diversity of cultures.' Where I grew up, that's what I saw, and that's what I believe in as well - and I still believe it.

But the Americans have no extra money. They have their own problems. They can provide financial assistance for two, three, four, or six months at most.

Risk models are a substitute for historical knowledge, because they tend to work with just three years' worth of data. But three years is not a long time in financial history.

If I ever took a business public, I wouldn't want to take the shares off the table. I don't want people thinking I'm doing it just to make money and then going to run for the hills. I think that's a very important distinction.