Question four, what train do you think you missed or were late for in life?

I've thought about this one, and if I've got the question right, my biggest regret is Benfield.

I should never have left Benfield.

I don't know whether that is the right, you know, for your question, but, you know.

Explain to people what Benfield was.

So Benfield was basically, so go back.

I started the sports insurance business before I finished playing.

the football world has ever seen and you know Brian isn't somebody to throw compliments around right so I'm going to ask you to give me two minutes to five minutes based on your expertise on football and coaches what chance did England have in the World Cup and why? Zero