Now, Sean, when you hear those numbers and those debates, What does that kind of translate to for an ordinary household in your view?

It's a scary time at the moment because if you don't understand some of the things that are being mentioned, like what inflation actually is, and I know we discussed that before, it could be quite scary in terms of the doom and gloom that the media portray.

Now, the reality is, in my opinion, is that there's a culmination of variables at play here.

So we have a lack of financial education in the UK.

That's part of the problem, and that can be tied back to the education system, which, if we're honest, hasn't really had an overhaul in like 100 years.

Apart from the introduction of IT and some computer-based learning, because it didn't exist 100 years ago, The actual overall school system hasn't changed much.

And there's definitely no financial education within that.

So I really wanted to ask from your point of view, both professionally and as a young person as well, with a lot of experience in this area as well, Is that really progress or are we losing something in there as well?