I still remember as if it was yesterday when we were in Frankfurt in "Living" having fun with all the spaniards. You had a very rough time as people at work really behaved like dickheads but you fought, learned as much as possible about structured credits and got yourself a job back in London. I always admired the way your were, funny, sociable and very respectful. I only found out today that you had gone, the news was a shocking! RIP my friend