capitalism – Page 11 – Nick Grant

Tag: capitalism

  • Death or Glory

    This is a story about the value of life…

    Camden Pirates

    According to my anecdotal observations, people are taking more and more unnecessary risks with their lives and health. I’ve been heavily involved in this trend, since my teens, when I fought a fairly cowardly childhood with some fairly extreme stuff.

    Everything from adrenalin sports to body modification seems to be going through exponential growth. The limit of what is survivable by a human seems to inspire a new generation of people who are pushing the envelope further than ever thought possible.

    Let’s talk about extreme sports, firstly. The guy who taught me how to rock climb had himself learnt using unimaginably dangerous equipment. The ropes had no stretch to them, and a fall could break your back just from the hard shock of the rope stopping you so suddenly. A lot of the equipment was improvised: large engineering nuts were threaded through with a bit of thin rope. People didn’t even use harnesses to abseil and belay a lot of the time, they just let the rope slip around their bodies.

    Kitesurfing might look extreme to you, but 15 years ago you basically hooked yourself up to an enormous kite that you couldn’t release in an emergency, and you couldn’t ‘de-power‘… that is to say that you couldn’t let the wind go out of it in a strong gust, you were just yanked into the sky or dragged along.

    I can’t really talk about skydiving too much, as I’ve only done 21 jumps, but I was pulling my parachute at 5,000ft… plenty of time to pull my reserve parachute if I had a malfunction. Special care was taken to ensure that every skydiver was far apart from each other in the air, and it was scary when somebody fell past me and then opened their parachute only a few hundred metres away. If somebody crashes into you at 125mph, thousands of feet in the air, it’s not going to end well.

    Now we have climbers who will happily jump off a suspended platform and fall the whole length of their climbing ropes, just for the thrill… like a bungee jump. They trust their equipment so much that they actually choose to fall. Most of what I was taught as a climber by my old-school mentor was simply “don’t fall“.

    Now we have kitesurfers who are jumping over hard objects that could kill them. One of the UK’s best known kitesurfers famously jumped over Worthing Pier. I’ve had two close encounters with a pier myself, one of which destroyed my kite, and the other involved a jet-ski rescue of a friend’s kite. When I learnt to kitesurf, the idea was to stay away from rocks, cliffs, buildings and anything hard that you might be splatted against by the pull of your kite.

    Now we have skydivers who are wearing wingsuits and flying within a couple of feet of rocks, trees, cable cars, bridges, roads, houses… just about anything on a steep mountainside. When they open their parachute, they have barely enough time to unzip their arms from their wingsuits so that they can grab the control toggles, let alone pull the cutaway and reserve handle… but the reserve parachute would never open in time if they had a malfunction anyway.

    Given that a parachute will malfunction every 10,000 jumps, and there’s hard data that supports that statistic, then you can precisely say what the probability is of you dying from a BASE jump or wingsuit flight with a low canopy opening.

    I’ve known people who’ve had accidents climbing, kitesurfing and skydiving, so why would I continue to do these dangerous things? Well, there has been incredible improvement in the quality of the equipment in just the last 15 years. However, I think the main reason is that us adrenalin junkies never think that an accident is going to happen to us… we tell ourselves that we’re too skilled, too careful, too lucky… accidents happen to other people because they made a mistake. We all think we’re infallible.

    By my mid twenties I had experienced plenty of close calls, but thankfully never been hospitalised.

    Camden Tree Man

    Getting into the extreme difficulty grades of rock climbing starts to be a game of russian roulette. The ‘protection’ that you can place to save your life if you do end up falling, starts to be very inadequate in certain parts of the climb. You have to accept that injury or death is going to occur if you fall in the wrong place at the wrong time.

    Pulling off the hardest kitesurfing tricks can actually injure you pretty badly, even though you’re doing them on water. One of the first times I tried to do a 360 degree spin, I accidentally looped my kite and hit the water going at about 40mph. It doesn’t sound like much, but it could have easily broken a rib. The higher you go, and the stronger the wind, the more chance of you crashing into the water at high speed, and the more the water acts like a solid surface.

    Waves are probably the biggest danger to a kitesurfer though, and without your kite you can be in big trouble. I once got pummelled into the seafloor down in Brighton, catching waves that had reached the size of houses. It was only because my kite pulled me to the surface and onto the beach that I didn’t drown. Sadly, somebody we used to kitesurf with in Southbourne was not as lucky when he lost his kite and perished trying to swim to shore in big waves.

    For a skydiver, you can obviously calculate the risk of having a double parachute failure, but most injury and death seems to occur when trying to land, when your parachute is actually open. At the place where I learnt, there was a motorway, a high-speed railway line, loads of buildings and trees and all sorts of other hard things that you could fly into, that would injure or kill you.

    The very first time that I jumped, my lines were all twisted up. Not exactly a malfunction, but sometimes people have to cut away from their main parachute and open their reserve because the line twists are causing them to turn in a tight spiral downwards. Why was it not more off-putting that I actually had a problem with my parachute to sort out, while dangling in a harness, thousands of feet above the hard ground?

     

    Skydive Road Junction

    As you can see, I’m above a fairly major road junction, and heading towards a nearby town. The ground is approaching at over 120mph. I chose to jump out of the plane. Nobody made me do this. I decided to take the risk. An accident will never happen to me, right?

    What I can say about all of this, is that personal experience is a very poor way to judge risk, but it’s an unavoidably human thing to do… to base our perception of danger on our own individual lives, rather than looking at the wider statistics.

    I’ve had a lot of hospital visits during my recent troubles, but I have no lasting health damage. Obviously, I never died. I didn’t even feel much pain or discomfort that I can remember. To all intents and purposes, life has taught me that no matter what ridiculous risks I take, I seem to be immortal and virtually indestructible.

    If I look at all the times I’ve put my life on the line, put my head in the lion’s mouth, as it were… statistically I shouldn’t be around to tell this tale. I should be more mindful of the fact that I’m one of the lucky ones… the one that got away, by the skin of his teeth. However, that’s not how my psychology works. For every brush with death, that just seems to reinforce my belief that I can get away with unimaginable risk taking.

    Why should it not be that way? For every harrowing event that you survive, why shouldn’t it make you braver, less risk-averse. To all intents and purposes, the Universe seems to be speaking to you… that your life was spared, that you escaped catastrophic injury or death, just proves that you’re special, you’re different… you can put your life on the line and get away with it.

    Here in the UK there are no predators, no wars, no unavoidable hazards. The biggest risk to your life is a road traffic accident. So, does it therefore seem logical that my latest adrenalin sport is playing in traffic? Deliberately dodging black cabs, red double-decker busses and Toyota Priuses driven by people who can barely drive.

    I sawed my bicycle’s handlebars down to the same width as my shoulders, so that I can fit through ridiculously small gaps, provided I keep my elbows in and ride like hell. Occasionally I see a gap, and then decide to abort at the last minute because I sense that something’s not quite right. The sensible thing would be to avoid those touch-and-go situations altogether, but more often than not I’ll lay my life on the line simply for the thrill of it.

    Living on the Edge

    I never really think that living on the edge like this is disrespectful to those who haven’t been as lucky as me. I do feel guilty about wasted NHS resources where I’ve been treated in hospital, but when doctors have told me how close I came to dying, it doesn’t really have the intended effect.

    Trying to scare somebody into taking less risks doesn’t work, as we have seen with smoking. Printing “SMOKING KILLS” in big bold letters on cigarette packets looks particularly ironically ineffective, when a smoker is reaching into that packet twenty times for a ‘cancer stick‘ before discarding the empty wrapper, and purchasing another box of fags.

    I mentioned body modification, right at the start of this blog post. People are willingly submitting themself to the tattoo artist’s needles, or the plastic surgeon’s knife. These procedures are not without danger, but they are also painful, uncomfortable, as well as producing irreversible bodily changes.

    You would have thought that people would have seen tattoo disasters, or had one of their own, and decided that making a permanent alteration to your body is a foolish thing to do. However, we find the opposite… once people have one tattoo, they often get more, and some people are going further, with piercings, stretched earlobes & lips, subdermal implants, deliberate scarring of their skin.

    Ok, so London is gritty and urban, but there’s a whole subculture where huge tattoos are totally normal and accepted. In every hipster cafe and trendy bicycle repair shop, you’re likely to be served by people who have whole arms covered in richly coloured tattoos, necks, hands… these aren’t the kind of thing you can cover up.

    If you earn shit wages as a coffee shop barista or whatever, and there is literally zero hope of you ever being able to afford to buy your own home, why wouldn’t you do something with your money that feels good? Blast all your cash on booze and tattoos. Money is just fun tokens… it doesn’t buy you a lifestyle anymore, for most young people.

    The long-term hopes of people have been dashed. There’s no career ladder anymore. There are no good jobs full stop. There’s just student debt and some low wage, and whatever you can do to fill the empty void. The idea of saving money for a rainy day is just insulting, when it’s a hand-to-mouth existence.

    This counter-culture of piercings, tattoos, beards, moustaches, vibrant hair colours and extreme haircuts. This fixation on image. So many selfies… I can empathise. I feel that I know where it’s coming from. What have you got, other than the skin you live in, and the clothes on your back? Feel good in your own skin, because you’ll never have a home to call your own, to feel good in.

    You might as well get that big tattoo on your neck, because you’re never going to work in an office, hoping to get that big promotion, like your Dad did. You might as well spend all your disposable income on alcohol and drugs and expensive coffee, because you’re never going to be able to afford to settle down and start having kids in a nice big family home, as a housewife, like your Mum did.

    The extreme sports are pretty much banished for those on a low income, so extreme drinking, extreme drug taking, extreme risk taking on your bike in traffic, extreme sexual behaviour… extremely short-term decisions. That’s the only life opportunity that’s offered. People have to get by however they can, and part of getting by is seeking reward, pleasure.

    I don’t think we’re living in an era of hedonism at all. In fact there’s a certain bleakness to everything. There’s a certain amount of sorrow that is being drowned. Young people’s lives are harder than you think, and those lives are very sparsely punctuated with what few highlights they can afford.

    What was once a subculture, something extreme, something for the minorities, something for those who were excluded from the mainstream, is actually now becoming the mainstream. The “jocks” who are flawlessly good looking, fashionably dressed and are following the prescribed path of academic and sporting prowess, followed by a great career in a big company… these people are the freaks now.

    I forget who it was who once said “if you want to be different, to stand out, then don’t get a tattoo“. Those words are ringing very true today.

    I chose to get into extreme sports because I was bullied and ostracised a lot at school. Now it seems like anybody who’s got the money is an off-piste snowboarder, kitesurfer, skydiver or whatever. It’s no longer an exceptional thing to risk your life in pursuit of your little moment of happiness in an otherwise bleak existence.

    Bluffing Balls

    A strange thing starts to happen when you pressurise and threaten somebody who has spent a long time contemplating life and death decisions. Instead of being bullied, cowed, pushed and shoved in the way that you want them to, they double down: they will raise the stakes.

    As danger approaches, I find that I run towards it rather than away. I don’t try and make the last few pounds in my bank account last as long as possible… what would be the point of that? To disappear off the face of the planet with a whimper?

    I’m a very bad person to play chicken with. If you think that risk of death, or anything inbetween is going to instill fear in me that will control my decisions, then you’re very stupid and deluded.

    If you think I’m the stupid one, you’re wrong. Obviously I avoid pain and discomfort. It’s actually the smart thing to do, to avoid the unwinnable battle, but at the same time to not submit yourself to a life of sustained misery. I’ll avoid the fistfight with somebody who just enjoys the thrill of violence, but yet I’ll use the very last of my energy, money – whatever I’ve got left – in some final roll of the dice that will leave me far more beaten and broken than any battering I could receive from somebody’s fists.

    You think that decisions like that are stupid? Well, you simply haven’t calculated the odds. What do you do when you’re dealt weak cards? Go all in. Push all your casino chips into the pile with an icy calm. Fortune favours the brave, and a life of cowardice is no life at all.

    Some people are able to eke out a life, continuously looking over their shoulder in fear. Some people are able to live under Damocles’ sword, with a continuous threat of redundancy, bankruptcy, mortgage default, reposession… not being able to feed and clothe their kids, not being able to pay the bills. Even though this miserable existence was once possible, the route is now barred. Why would you want it anyway?

    Do I hanker for a time when I was drawing a regular salary, hoping for a big pay rise and bonus every year, paying my mortgage, trying to save enough money to put me ahead of the game? It’s bullshit, you’re never going to get your nose in front. You’ve been set up to fail from the start.

    My instinct to nurture is rather unfulfilled, especially now that I no longer live with my cat, Frankie. However, I’ve got no skin in the game besides my own. There’s absolutely no incentive to curtail my risk taking. There’s absolutely no incentive to be subdued, beaten down into submission, and to accept an intolerably miserable existence. Of course I’d rather die.

    It’s not even about depression or mental illness. It’s just a response to the world, to circumstances, to my environment. It’s sane and rational to consider the final solution: a premeditated suicide.

    Actually, when I think about my quality of life, I wouldn’t give up the last few years for anything. I’ve had the ride of my life. If I skid into an early grave as a crumpled mess, then at least I lived. I know that “live fast, die young” is such a horrible cliché, but I ‘get‘ it now. Having had both lives, I choose the one with extreme risk every time. Dying a long drawn out death of anxiety over whether my pension fund is big enough, is my idea of torture.

    I wonder whether those young people, with their complete fixation on the short-term, share my lack of fear of death. I wonder if they have also made a rational decision to reject a life of constant anxiety over an unknowable future filled with pathetic threats… torturous death by a thousand cuts.

    Why on earth would I want to be wealthy in my old age, when I’m stalked by cancer, cardiovascular disease and other age related shit that’s going to make an active lifestyle increasingly improbable? I’m glad that I’ve lived and loved and lost, and now life hangs by the slenderest thread.

    Am I being melodramatic? I don’t care what you think, actually. You can call my bluff… I can’t lose. I might end up without any fun tokens left, but that’s all part of the thrill, the adventure… the joy of living your life, rather than waiting to die.

    Wakeboard Jump

    Cut the thread, and I’ll fly

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  • A Sense of Scale

    This is a story about getting things in perspective…

    Mountains

    When you’re climbing a mountain, you can’t think about the summit too much. You have to take things one step at a time. If you are much too fixated on reaching the top, you will feel disappointed every time you reach a false summit. You will feel disheartened when you see how far there is left to climb.

    I’m quite familiar with mountainous tasks. I started my full-time career at age 17, and I had my challenges with immaturity, but also with age prejudice. I sacrificed a huge portion of my teens to learning programming, so I was pretty ready to start work, unlike some of my peers who had done non-computing degrees at University. However, my youth held me back for many years.

    Around the time I turned 30, I built a couple of cashflow positive businesses. Taking something from the idea stage to the point where you’re taking customers’ money is not something that should be underestimated. It’s easy to do one deal, and just keep dealing in that same way, but it’s quite something else to put together an established business, with multiple customers, suppliers, and create a trusted brand.

    Then, as I’ve written about at length, my mental health started to be the mountainous task in front of me. Or rather, I was at the bottom of a deep dark pit and had to climb my way out. Facing a collapse in your sense of wellbeing, your ability to cope… that’s a fairly big thing to tackle, when you’ve had nearly 30 years of steady stability.

    Most recently, dealing with drug addiction is probably one of the hardest challenges a person is ever likely to face in their life. Addiction can consume a person so quickly. It’s like a fire. If you don’t put it out fast it will spread, and if you leave it to develop into a raging inferno, it will be virtually impossible to extinguish and it will just consume everything with its flames until there’s nothing but charred remains.

    It seems really stupid to me, how long we let people flounder and struggle for. We just turn our backs and pretend stuff isn’t happening. We just hope for the best, hope that the person doesn’t bother us, hope that some miracle happens, hope that the person who’s in trouble sorts themself out, hope that somebody else will deal with it so we don’t have to.

    There’s a really nasty streak of “look out for number one” going around more and more. People live their lives in an increasingly isolationist manner, critical of other people’s choices, and only thinking about their own wellbeing. We are encouraged to trample on each other in order to get ahead. We hoard and do not share.

    Cork Mountain

    People can’t see the wood for the trees. They fail to recognise that pushing their kids to get good grades at school just creates an arms race. Pushing your teen to think about 3 or 4 years University education when they’re just a child. Pushing your young adult kids to get a good career, a profession, when they’re just developing their own identity, deciding what they want to do with the next 40 or 50 years of their life. Can’t people see that at every stage of this funnel, things are getting more pressured, more competitive?

    I received an email today from somebody who is already struggling with the pressure of University. Think how much pressure that person already endured to get the exam grades to get that University place. Think about how many exams they have had to sit, in order to stay in the system, and be allowed to continue with some hope of getting a well paid job at the end of it all.

    We’re tested, and then we’re tested some more, and then we’re tested again and again until the end of our days, nowadays. Now that we have established this over-competitive bullshit arms race of a life. There are too many lawyers, too many doctors… too many of all the professions that are desirable. An exam might look like an ordered, disciplined, academic thing, but we might as well have our kids duking it out with pointy sticks in the middle of a jeering snarling crowd of bloodthirsty onlookers.

    In the zero-sum game that we have invented, for every winner there’s a loser. That means that whenever a kid gets a bunch of “A” grades and a place at an Oxbridge University, some other kid has to leave school without any qualifications and be considered unemployable. There are only a limited number of places for the elite: both in academia and professional life.

    We’re not building a longer table, we’re building higher fences. The pressure on kids to not make a single slip up, from the moment we start pressuring them to beat their peers throughout a gruelling school, college, and University life. One black mark can derail your entire future. Screw up one set of exams, and you’ll be tossed into the ‘undesirable‘ bucket, and find it very hard to rise above your peers ever again. You’ll be trampled underfoot.

    Schools can only give out the same limited percentage of “A” grades each year. Universities can only give out the same limited percentage of firsts and 2:1 degrees each year. Companies can only afford to hire a small number of entry-level people – the very best – each year. We drive huge amounts of people into a funnel that’s just way too narrow.

    Opportunities just suck right now for young people. It was pretty sucky when I was a kid, and there was always hell to pay whenever my teachers spoke to my parents, even though I was always in the top sets and getting good grades. There were plenty of sharp-elbowed pushy parents who ruined plenty of childhoods back then… today it must be bloody miserable and awful. No wonder we are seeing a spike in teen suicides and self harm.

    And for what? Do you think your kid is going to get a good job after they finish jumping through those academic hoops… doing all those exams and essays and dissertations? Do you think your kid is going to happily couple off with some lovely partner, buy a house and start raising a family of their own? How the hell could they afford to? Have you seen the disgracefully low wages and the sky-high house prices?

    You can do a 180 degree turn and still take a step forward. You don’t have to feel like it’s a backwards step to admit you’re wrong and start going the other way up the dead-end alleyway that you led your kids and grandkids down. OK, so school and work was OK for you growing up, but that doesn’t mean it’s working for your kids and grandkids.

    What worked for a world of 2 or 3 billion people doesn’t work for a world of over 7 billion. There are just too many people competing for a finite amount of bullshit qualifications and jobs. We’ve set our young people up to fail, and it’s not because they’re stupid or lazy. It must be incredibly stressful and hopeless, being young today, with so few prospects and such a hard struggle to get ahead of your peers.

    At the moment, the human condition is not being advanced. The ship is being steered by a rudderless drunk of a captain, in selecting our political and commercial elite from the greying middle-aged nostalgic fools who’ve had it way too good for way too long.

    The current set of elitists kowtow to the pensioners, because everything is owned by institutional funds: every company is majority owned by pension funds. The grey pound is the only pound. The kids don’t have any money. The corporations worship those who are in God’s waiting room, just hanging around for their time to die. It’s a system that’s leading the whole world to its death.

    We should be looking down, to those little kids and their energy and optimism, and thinking about their future, not looking up to the heavens and thinking about our death. You might have a comfortable retirement, but you’ll be riddled with disease and old age. Would you not be more comfortable knowing you left the world a better place for your kids and grandchildren?

    Build no store of wealth on this Earth.

    Trees in the Wood

    I feel sorry for working class people who have worked hard their entire life, and they’ve still been cheated out of a living pension, but their health is failing. Their voice is silenced by the deafening boom of the ones who’ve had a cushy life with a golden parachute final-salary pension at the end of it all. We can’t see the wood for the trees

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  • Waterworld

    This is a story about the hungry tide…

    Camden Canal

    Humans are supposed to live near water. It’s so essential to life, that I think that we find tranquility when we are near the source of something we can drink, wash with and watch life go by, carried by the currents.

    Growing up in an area of Oxford called Jericho, the canal was a moat-like border, to the West. There was a footbridge and one road bridge, but those were the only ways of getting across to the far bank, besides swimming.

    A short walk up the canal would bring you to Port Meadow, where the river Thames snakes its way through the flood plains of the flat valley bottom. Although it’s the second longest river in the United Kingdom, it’s quite a different beast in Oxfordshire than it is in London.

    By the time the Thames reaches the Isle of Dogs, it’s close enough to the river mouth that the tides affect it in quite a pronounced way. At low tide, there are some fairly sizeable beaches that are revealed, accessible from ladders and steps down from the riverside footpaths.

    Growing up in central Oxford, the only discernable change with the Thames was when the river burst its banks and Port Meadow flooded. Then, a huge area of green field became a massive lake. One year the lake even froze, and you felt OK walking on the ice, because you knew there was a grassy field just beneath: you weren’t going to fall through and get sucked under by any river current.

    The Oxford canals froze too, and although we hefted bricks and stones onto the ice to try and smash it, it would have been fairly crazy to try and walk on the ice. I do remember driving my radio controlled car on the ice, and how much fun it was to make the little toy spin doughnuts and do huge drift slides.

    No Fun

    Presumably dogs and ball games could only take place in Mill Quay if the water is frozen over. I hate these signs that basically say “NO FUN“. Growing up in the 1980’s in central Oxford meant lots of playing on the streets, in the parks and on Port Meadow. Usually involving water bombs, smoke bombs or other incendiary devices.

    In London a strange kind of separation of society exists, where big groups of kids hang around near their high-rise social housing, but they are more than unsupervised: they are completely ignored by the entire adult population. This is completely reciprocated. As a white middle-class thirtysomething person, you’re completely invisible to huge groups of teenagers, hanging around doing their own thing. The impoverished kids and the wealthy professionals co-exist within metres of each other, but neither group acknowledges the existence of the other.

    The Isle of Dogs is in the London borough of Tower Hamlets, which is one of the most deprived areas of the UK. You only have to step one street inland from the riverside apartments, to see a totally different side of London to the gated communities that line the Thames.

    Bow

    There’s something nice about not feeling totally surrounded. Here is a city of 8 million permanent inhabitants, plus the millions more who make up the commuters, tourists and those who are unofficially living here. When you’re in a basement, with several flats above you, surrounded by houses and offices on all sides, it’s easy to feel rather hemmed in.

    By reaching the very top of a skyscraper, so there is nothing but the open sky above you, or by reaching the water’s edge, so there is nothing but an expanse of water on one side of you, you can turn your back on the chaos and overcrowding of the city, whenever it pleases you.

    Sure, there’s the occasional ferry, canal boat, pleasure cruise or whatever, but water represents enough of a barrier to most ordinary folks caught up in the rat race that it’s nice to watch the boats go past in a way that can’t be said of watching stressed commuters scuttle down underground passages.

    What the hell am I doing, living in a riverside apartment I can no longer afford, since my last contract ended? Well, if you’ve never had to sleep rough or in a hostel, you should try it sometime, with your work clothes and all your worldly possessions. Try commuting to the office from under a bush or after spending the night in bunk bed with one bathroom and 13 other dormitory friends, in different states of alcohol and cannabis intoxication.

    Homelessness, poverty… these things tend to connect you with chaotic environments that do not exactly improve your mental health and capability to rebuild a life, return to work, get back to health, wealth and stability.

    Supermoon

    When I was working, I was getting up at 7am to take a run by the Thames, and pulling some fairly serious hours spent working on an extremely stressful project. Do you think that’s possible when you also can’t sleep and relax at home, and it takes ages in a cramped tube, overground train and bus to get back to your miserable hovel?

    When we talk about standard of living, what do we really mean? If you choose a job you love, expect to be underpaid and overworked. If you choose a job that pays well, expect to be bored and stressed. If you choose to be working in 2016, expect to have little job security and for your cost of living to be vastly more than it would have been for your parents, at the same age.

    We just don’t have the spare time. Our partners are not at home doing housework, and come and pick us up from the station at a reasonable hour, and we have some time at home to play with our kids, eat, even do something else with spare time. Now we get home just in time to kiss the kids goodnight, and then we shovel whatever we can into our exhausted mouths before collapsing into bed, before all too soon, the alarm goes off and we start all over again.

    We’re enslaved to fixed core working hours, and the idea that we can ever reach some imagined future sustainable state, by pushing ourselves to the maximum output that we can manage. Working 80 hour weeks in the hope of getting enough pay rises to be able to slack off a bit in our greying senior years.

    When was the last time that you took the Thames Clipper to work, even though it takes longer than the tube? When was the last time you walked to work, across one of London’s many amazing bridges, just to admire the beauty of the architecture, even though it would add another hour or two to the length of your working day?

    Uphill river

    If you look really carefully, you can see a rainbow in the clouds above The Shard, created by sunlight refracted through glass at the very top

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  • Advent Calendar (Day Twelve)

    This is a story about telling the truth…

    Wikileaks

    I apologise for the lengthy 87,000 word preamble, but it has been in preparation for the revelation of some really shocking truths.

    I’m actually still trying to psych myself up to tell some parts of the story, because I know that I’m going to be burning bridges big time, but I don’t feel like they’re places I’d want to go back to anyway. Those places need to be shut down with extreme prejudice. Those bridges need to be burnt.

    I’ve effectively had an ‘access all areas‘ back-stage pass to a lot of stuff that the public barely know exists. I’ve worked on gold bullion vault projects, nuclear submarine projects, cryptographic encryption projects and on the number one projects in the world’s biggest banks. I’ve single handedly produced number one iPhone apps and been invited to speak about what I do at top academic institutions. These are my credentials.

    So, I’m puffing myself up, like a blowfish. I’m like the scared cat, with its fur all stood on end and its back arched. I’m like the pompous twat, with his chest pushed out and his fake voice booming out, disturbing everybody’s peace and quiet. Am I a narcissist? No, I’m just trying not to be eaten by predators.

    Am I trying to make you like me? Do I think I’m likeable? Do I think I’m charming, charismatic? Do I think I’m special? Well, I have done the maths. I’m one of 7 billion people on planet earth and I’m 99.5% genetically identical to every single one of them. So I’m half a percent different from 7,000,000,000, which means I’m roughly the same as 35 million people, statistically speaking.

    There are – for arguments sake – about 70 million people in the UK. I’ve used a higher number than the official figures for convenient maths, and because the government doesn’t count the huge number of ‘illegal‘ immigrants who live here. So I represent about half the population of the U.K: 35,000,000. I’m literally 1 in 2. There’s a 50:50 chance you might meet another me, here in the UK.

    So I’m really Mr Average. There you have it. I’m a straight down the middle regular Joe Bloggs. Anything I can do, you can do too. I’m not special. I’m not unique. I’m not different.

    I’ve done a paper round, just like you. I’ve done washing up in a pub and a hotel, just like you. I’ve worked in a shop on a Saturday, just like you. I went to state comprehensive school, just like you. I went to 6th form college, just like you. I did an apprenticeship, just like you. I worked 9 to 5, just like you. I learned a skilled trade, just like you. I had a mortgage, just like you. I had a current account and a savings account, just like you. I used to mow the lawn on a Sunday, just like you. I used to spend a considerable proportion of my income on DIY and home improvements, just like you. I was making a little nest, ready to spawn some clones of myself, just like you.

    Only, one day, I threw down my tools and said I’d had enough.

    At first, I couldn’t actually carry on working even though I wanted to. I had gotten myself a new job, and it was quite exciting, interesting and challenging. I was working with some cool people on a cool project. But for some reason I couldn’t get out of bed. Maybe I was lazy? Maybe I was a spoiled brat? Maybe I was too posh and rich, and too arrogant and stuff to be bothered to go to work like everybody else?

    Well, as I remember it, I just couldn’t take it any more. I broke down. The machine had been pushed beyond its design tolerance, beyond its threshold, beyond its capabilities, beyond its rev limiter, and it had shaken itself to pieces. You should know that at this point, the machine was only powered by food, water, alcohol and caffeine… just like everybody else.

    Was I a functional alcoholic? Well, we’ve explored this already, so I’m not going to go over it again, but let’s just say this: I never drank alone. I always drank with colleagues and friends. I always had drinking buddies, and I never drank more than anybody else in my social sphere.

    Alcohol is more than a social lubricant though. They say that money is the lubricant for capitalism, but I think that alcohol is the lubricant for capitalism. The more money, the more alcohol. It was limitless. As long as your work got done, nobody cared how pissed you were.

    The thing about doing the same job for 19 years is that it gets pretty easy. It gets very monotonous and boring and paint-by-numbers. Even when you’re building a banking system to process a quadrillion dollars, it looks like the same 1’s and 0’s in binary. All computer code looks the same, whether it’s launching Tomahawk missiles or processing Credit Default Swaps.

    We used to say “nobody dies if our code f**ks up” on the non-mission-critical projects. That’s not strictly true though.

    When a massive beast like a giant multinational corporation starts to die, rich people get pretty trigger happy. Yes, people are prepared to kill other people in order to protect their dollars. My own parents were prepared to kill me in order to protect their pot of gold, so I’ve seen it first hand.

    The thing you don’t realise, when you’re watching all that ‘free‘ TV is that you’re a TV addict. If you didn’t pay for something, then you are the product. Your mind is being sold to the highest bidder. Even when you do pay for something, you might still be being marketed to… you wanna be James Bond, right? Better go and buy that expensive watch you saw him wearing then.

    But this conquest of your heart and mind is more subtle than just being sold a product. You are also being sold a lie. You are being told simplistic stories about good vs. evil. You are told stories about cowboy & indians, cops & robbers, earthlings & aliens, superheros & bad guys, black & white. You are being dumbed down. You are being put into a childish mindset.

    The Power of Advertising

    Barely a few months after this photo was taken, my parents marched into my house, that I bought with my money that I earned, and called me a drug addict. They are total fucking idiots.

    One of my earliest memories is waking up in a hospital bed at Oxford John Radcliffe Hospital. There were two scared looking drug addicts, going through withdrawal there looking at me. They had really dumb expressions on their faces. They had no idea what was going on in their drug addled lives. They were my parents, and they had hospitalised me because they’re irresponsible cunts.

    My parents have not got a clue how hard modern life is. They were gifted the deposit money to get a house, because they had failed to plan properly how to support their child. They needed their parents money, because they were too busy taking drugs and getting fucked up to act responsibly.

    Do you know what I’d do if I got a girl pregnant? I’d get a fucking job.

    My parents think they’re special and different. They think they are entitled to not have to work hard. They think they’re entitled to sit in judgement over the world, despite having achieved nothing other than to inflict misery on innocent human lives. Being the child of a pair of junkies is miserable work, I can tell you. It’s hard work having to be the responsible one, because you are chaperoning a pair of losers who are too fucked up to put food on the table and a roof over the family’s head.

    When we come to talk about bail-outs in the coming months. We should remember that my parents had a free University education and they spent their parents money fucking about. They went travelling and had a lovely time swanning around spending other people’s money. They sat around taking cocaine and doing jigsaws with their adult friends, rather than taking their kid on an outing. They took me to the pub and left me with alcoholics who worked on the US Air Force base, who told me all about nuclear war. Little boys don’t really want to know about nuclear war. It kind of fucks them up.

    Yes, I remember this guy Wayne, used to boast all the time about nuclear weapons destroying every living thing on the planet of the Earth. That’s a lovely bedtime story for a 3 year old, isn’t it? Well done mum & dad. Great parenting. Gold star. Cunts.

    So, if I’m against the proliferation of nuclear armamants and I’m a vociferous supporter of nuclear disarmament… that’s the reason. We should ban the bomb, because being bombed to shit by nuclear weapons is terrifying for your children. You shouldn’t be sitting around taking drugs and getting drunk with your friends. If you give a shit about your kids you should be protesting about the proliferation of nukes.

    Yes, my parent’s were caught napping. They were asleep on the cunting job. While they were putting flowers in each others hair and taking heroin, magic mushrooms and LSD, snorting loads of cocaine and wandering round in a stoned fucked up daze, alcoholic stupor and generally dribbling like cross-eyed imbeciles, and occasionally spawning an unloved child, the world went to rack & ruin. You total cunts.

    My parents never gave a shit about saving for a proper pension. Their parents had been prudent, and had put money into index-linked pensions that provided for a reasonable retirement. My parents plan was to put all their money into drugs and not give two fucks about the future, or even the present. Yes, the present was a pretty miserable time, because if there’s one thing we know about drugs, it’s that there’s a comedown.

    My parents like to boast that they were never really addicted. What absolute horse shit. If you have an expensive habit that’s damaging to the entire family’s health and wealth, to the point where my grandparents had to bail you the fuck out, and buy you a house, then you fucked up, you total addict fucking losers.

    My mum still smokes, and has a major alcohol problem. She’s self-medicating for anxiety issues. Yes… being a shit parent is supposed to make you anxious. That’s called guilt. That thing you’re trying to numb… that’s your guilty conscience for being a shit parent.

    If you don’t adjust your lifestyle according to the needs of your dependents, then you’re a fucking selfish cunt. If you can’t even see what’s going on in reality because you’re too messed up by all the drink and drug abuse… you are a really sorry messed up individual.

    My parents live in a kind of co-dependency, where they support each others warped worldview. The only person who’s friends with them is a guy with learning difficulties, and even that is co-dependent. That poor guy is just lonely, and he likes to have a drink… my parents drink with him, because he makes them feel like they’re superior. They don’t like normal friends, because they remind them that they’re alcoholic junkie shit parents who never adjusted their disgusting lifestyle for their kids.

    My Dad’s really horrible and abusive to my Mum, but she defends him, so it’s hard to do anything. It’s important to defend somebody’s character, but don’t defend the indefensible. Don’t defend an abuser. Don’t defend somebody who gets sent to the supermarket to buy food and comes back with drugs. Don’t defend somebody who’s supposed to put a roof over the family’s heads but can’t be bothered because they’re too fucked up on drugs.

    I’m supposed to support these cunts in their happy retirement, am I? Why?

    This is the legacy. This is the lunacy of mortgaging your children in order to pay for your disgusting lifestyle. This is the smoking gun. This is the whodunnit for a generation that got screwed over. This is a pointed finger, that shows where the blame really lies.

    So, I’m being disruptive. I’m laying the foundations. I’m laying out my stall. I’m setting out my case. I’m taking on the establishment. I’m taking on the status quo.

    I live and work in glass palaces, but I’m going to throw stones, because these places need to be smashed down. People have been kept below glass ceilings for too long. People have been oppressed by a generation who have achieved nothing, for far too long. Widening the rich-poor gap and fucking over your grandchildren’s future, through pollution and completely screwing the global economy is nothing to be proud of. You’ve got no authority and you’ve got no credentials.

    I suggest you start giving away your hoarded wealth as fast as you can, if you want to help your family. Give it away, share, spread the wealth if you want to retain even a fraction of your standard of living.

    Soon, it’s not going to matter who’s got the most. It’s going to matter who gave the most, when you are put on trial.

    Yes, the newest generations are going to put you on trial for crimes against humanity. You’re all as guilty as each other, so the only way to judge people’s character is based on their generosity. My parents are tight-fisted cunts.

    In Chains

    You’re economically enslaving your children. You are chaining them up. You’re doing nothing, sitting on that couch watching brain-washing TV and reading rubbish newspapers. Get off your lazy arses you cunts (October 2013)

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  • Advent Calendar (Day One)

    This is a story about the doors of perception…

    Movember Banished

    So I radically altered my appearance for over a month. I went from being the suit wearing IT Consultant working on the number one project in the biggest bank in Europe (HSBC) to being the crazy suicidal mental patient guy with a moustache and a tattoo. That how I roll [on the floor laughing].

    Self sabotage and self mutilation are strange things to do, but then so is suicide. They are symptoms of a very sick society. It is no measure of health to be well adjusted to a broken system. There can be no pride or honour in being able to turn a blind eye to wrongdoing.

    I knew what I was doing. I could have held back. I could have buried my feelings and kept my mouth shut. I could have bitten my tongue. However, things have been eating away inside of me, like acid dissolving the container it’s kept in. It was time to vent some toxic gas.

    Semicolon

    This is all a rather extreme form of bridge burning. I’m really pretty sickened by what global banking and corporate culture is doing to the world and I want to do the right thing. I want to whistleblow on all the life-wrecking and economy destroying corrupt bullshit that I have had to endure.

    It’s not going to do me any favours, it’s not going to make me any friends, it’s not going to make me rich, famous or popular, but it has to be done. Somebody has to stand up, be counted, and do the damn right thing. It’s going to hurt me, a lot.

    Is this some personal grievance? Well I wouldn’t be so passionate if it wasn’t personal, but it’s not personal in the way that you probably assume that it is. I was a Griffin Saver with Midland Bank since I was a little boy, and I’ve always loved HSBC and I was so proud to start work for them, age 21. Later, in 2003, I was amongst the first 8,000 people to work in the prestigious 8 Canada Square… headquarters of the HSBC Group Plc, which employs 245,000 people worldwide.

    If you look after me, I will look after you. Actually I tend to do things the other way around. I will look after you on the assumption that once I have proven to you – beyond all reasonable doubt – that I am adding value to your organisation, you will look after me, to some extent. Sadly, the way the system works is to try and get blood out of the proverbial stone.

    Yes, the employees of global banks are driven very hard indeed, but they share so little of the reward, in terms of the wealth that they generate for their masters. The customers of global banking pay huge sums of money for financial services, but it’s them who still toil all hours to service their debts, rather than being enriched by the products they are sold.

    Midland Bank

    Consumers are being sold a lie. They are being told that products and services will make them happier, richer, more attractive, more successful. The truth is that the only people who will get rich are those who own and operate the pyramid schemes. There simply aren’t enough pay rises and promotions for you to be able to reach the rungs on the ladder where you will be able to see your kids and sleep at night… you’re going to be stuck on that treadmill for the rest of your life, sorry.

    It’s not market economics that is broken. The markets really are efficient. However, they are not free from political influence. They are also not immune from manipulation by exceedingly wealthy individuals and institutions. Here’s how it works…

    Imagine if I were to buy all the insulin producing factories. Building a factory takes quite a long time. During the time that I own and operate a monopoly on insulin production, and the time that a competitor could enter the market that I have monopolised, the demand for insulin is going to remain constant, because diabetics don’t want to die. So, if I am in control of the supply, and I know that demand is constant, then I can demand practically whatever price I want. That’s market economics.

    We see artificial scarcity created through cartels in many industries. Diamonds are only worth as much as they are on the markets because the De Beers family has such a large monopoly that they can control the amount of diamonds supplied to the market. Oil is only worth as much as it is because the Organization of the Petroleum Exporting Countries (OPEC) can artificially control supply in order to maintain high prices. They are quite open about their monopoly, their cartel.

    So you can’t eat diamonds or money, but we do need energy. Money is the way that energy is swapped for goods and services, like food. It’s easier to grow more food or make more goods, using energy that has been generated from a power station, rather than by manpower. Welcome to the industrial revolution.

    Technology has made vast efficiency gains in terms of being able to move money around to get it to where it can work most effectively, but it doesn’t mean that the system can’t be gamed. In fact the whole financial system is a giant game. We need to remember that it’s simply a way of keeping score and deciding who – as a person – is somehow ‘worth’ more than another, using some arbitrary measure.

    That’s right isn’t it? The people in the West are ‘worth’ a lot more than the people in the developing world. Because they have more zeros on the end of a computer system that is keeping score, they get to have all the food, shelter, medicine, education, transport etc. and everybody else is a worthless slave. The human lives in the developing world are clearly not worth anything because their electronic bank balance is as good as zero, if not negative.

    Skeletons

    You can quite clearly see from the image above, who the superior being is. Yes, it’s the one with the biggest bank balance in the global casino. They’re the winner. Gold medal for them, hurrah!

    Actually, huge numbers of people in the developing world have been saddled with debt that they didn’t even agree to. Their nation’s leaders signed away their natural resources, signed huge loan agreements to pay for some multinational to come and bleed the wealth, and then mortgaged every man, woman and child to pay for it all. That’s really not acceptable.

    When the people inside that country get a bit p1ssed off that their leaders have sold them down the river, then the developed nations can sell a bunch of guns, tanks, artillery and warplanes to keep their people in check. It’s the gift that keeps on giving.

    Oh, and when the people have really had enough, then it’s time to bomb all the roads, bridges, schools, hospitals, power stations, sewerage plants, factories etc. etc. so that they have to have the developed nations come and rebuild it all again using yet more lovely lovely loans.

    Yes, economic slavery is the New World Order. Yes, you might not see people in physical chains toiling in the plantations in your actual country, but somebody still has to grow your sugar, wheat, cotton, coffee etc. etc. Did you grow it yourself? Did you see where it was grown? Do you know anything about the life of the people who grew your food?

    We’re all rather busy in our wanky make-work jobs, feeling all high powered in a suit in a swanky glass & steel office, pressing buttons in the lift and doing the photocopying… great, but how many meals does it put on the table? Has it stopped war and human suffering? Has it stopped the spread of preventable disease? Has it saved the life of sick people?

    Wrong Wrong Wrong

    I’m fed up of being shouted down by people with vested interests. I just wanted to do the right thing at HSBC and I got muscled out for escalating my concerns in line with my moral duty and legal responsibility to the shareholders and customers. I actually wanted to try and save jobs too.

    So this is a call to action that is not some viral marketing, psychologically A-B tested, clickbait horseshit spam scam. This is not some pump and dump. This is not me grinding an axe because of a personal grievance. This is about the big picture and a sickness on all our souls, if you are part of the perpetration of the economic enslavement of the developing world.

    In actual fact, the wrongdoing extends to your own doorstep. Somebody you know is in distress because of consumer lending. Their life and livelihood is under threat because they were told to borrow, borrow, borrow! Buy now, pay later! 12 months interest free credit! Low rates! Consume consume consume!

    The whole ponzi scheme is set up to get people paid out by suckering other people in. Sure, my life looks fantastic with my riverside apartment, and of course I’ve had cars and boats and luxury holidays and hot tubs and flat screen TVs and Macbooks and iPhones and gadgets and technology galore. It doesn’t make you happy, and eventually you realise the human cost. You wake up and smell the coffee.

    So, as Nicholas “Mr Ethical” Wilson (@nw_nicholas) says:

    I have been radicalised by HSBC/Tory fraud & corruption

    Yup, I woke up one day and realised I couldn’t carry on being part of something I knew was wrong, from the depths of my experience in my 19 year career as an IT consultant to global banks. It made me very sick to be living with such internal conflict. It made me upset to see talented professionals being completely ignored.

    You can’t buy me. You can pay for my opinion, but you don’t get to choose what my opinion is. I will give you my opinion based on my experience and an objective analysis of all the evidence that I can gather. If you don’t like that opinion, it’s not up for debate, unless you are qualified to contest what I’m saying.

    So my approach is very unorthodox, but the orthodoxy led us to the brink of economic armageddon, so why should I conduct myself in a manner which is clearly misconduct? Only an idiot expects to see different results each time they do the same thing. The only reason to play by the old rules is to protect the old system, but that system has failed.

    HSBC Motivational Poster

    Thankfully, there are all these motivational posters around HSBC telling you what to do if your manager isn’t listening and the number one project is going down the shitter. If you’re a consultant, you’re specifically paid for your expert opinion… and very highly paid too. Lots and lots of shareholder money is being spent on the number one project in the biggest bank in Europe (HSBC) unsurprisingly.

    So, what happens if you do speak up? Well, I’m not giving out any prizes for correct guesses.

    But maybe my contribution just wasn’t valued? Maybe I wasn’t pulling my weight in the team? Maybe I have too much of a high opinion of my expertise?

    HSBC CIO

    The email from the HSBC CIO in charge of the number one project in the biggest bank in Europe reads as follows:

    “I cannot thank you enough for the work you have put into this and for your commitment”

    So, I’m a little bit confused. The Programme Director also told me, in front of loads of people, that he was really happy with my work… shortly before I was sacked. Curious, oh so very curious.

    Anyway, I’ve got no mandate, no authority to communicate these things, so I’m just going to wait and see what happens. Let’s see what happens with the Deferred Prosecution Agreement (DPA) and whether the US Department of Justice is satisfied with the naughty banks who have managed to allegedly commit crimes but not been prosecuted for them.

    Good luck, I say to them. Like I say, I’ve been a Griffin Saver with Midland Bank/HSBC since I was a little boy. I’m very loyal.

    Merry Christmas!

    Level 9, 8 Canda Square

     

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  • Occupy Canary Wharf

    This is a story about being an activist…

    It's cold outside

    The streets of London are home to a huge population of runaways, refugees and other homeless people who have been marginalised by society. We tend to ignore them and their struggles. There are so many, we can’t help them all, right?

    I’m not OK with people freezing to death on the streets, right under the noses of the wealthy. I’m not OK with just walking past human suffering on a daily basis, on the commute to the office. There are people huddling in shop doorways for a little shelter from the elements. It’s brutal out there, and things are getting worse.

    There are no words to describe just how cold it is, sleeping rough. I have slept on a glacier. Millions of tonnes of creaking ice. That’s cold, even with a decent sleeping bag, sleeping mat, and a tent. Sleeping out on the streets is just as tough – most homeless people don’t have equipment that cost hundreds of pounds. The most vulnerable people in our society don’t even have enough money for food, clothes and other basics that they depend upon.

    Will you sleep out with us?

    Normally charities will expect you to reach for your wallet. Normally charities will expect you to donate money. The whole fundraise & spend model of charity has failed, sadly. People and corporations are just not giving enough. People and corporations are treating charitable giving as a way to absolve themselves of personal responsibility for the wrongdoing in a society that they belong to.

    Let’s start with some empathy, instead.

    If you haven’t roughed it ever in your life, or it’s been a very long time since you were truly soaked to the skin, freezing cold, shivering, and with chattering teeth… then you have lost touch with what some of your fellow human beings are going through. There are people freezing to death, here, in a supposedly civilised advanced Western econonmy. I’m not OK with that.

    Please, try and make it to West India Quay with some warm clothes and a good sleeping bag, and sleep out with us. 7pm to 7am on Thursday 12th November 2015. It’s incredible that this can take place when Canary Wharf Estate don’t really want a whole tent army right under the noses of rich bankers!

    The Centrepoint charity has worked incredibly hard to make this possible, and only by agreeing to do things in the most unbelievably controlled way. There is private security for the event, as well as Canary Wharf’s own private security force, making sure that the wrong sort of people are not protesting about the abhorrent situation of young people being left freezing to death on the streets of London.

    Sadly, in the 3 years that this event has been happening in Canary Wharf, my ex-employer JPMorgan Chase & Co has donated a paltry £70,000. That’s a disgustingly small amount of money considering how this bank has wrecked lives. One of my colleagues was driven to by the insanity of what Global Banking is doing to the world.

    I absolutely do not want to see this event lose credibility, so please sign up for an official ticket and donate whatever you can afford: https://www.centrepoint.org.uk/news-events/events/sleep-out/west-india-quay

    Whatever happens, please please please tell everyone you know about the plight of the homeless and support this event.

    7pm to 7am, Thursday 12th November, 2015.

    So, last week, I was working for HSBC on their number one project. The biggest bank in Europe at the moment is HSBC. They just declared quarterly profits have risen 33% to $6bn. That’s a substantial amount of cash that they have extracted from the world’s pockets!

    So, how much do HSBC care about the homeless? Well they employed a homeless person (me) but their due diligence should have prevented me from getting that job and working my way out of poverty and debt. I should have been trapped into living on the streets.

    We can’t have the wrong sort of people getting ahead in life, can we? It’s all about the rich getting richer, at the expense of the destruction of society by people who already have more than they need.

    HSBC Comment

    I made sure I got this email from the HSBC Group so that nobody is going to get sued! Hurrah!

    I’ve got a bunch of other emails that prove that Corporate and Social Responsibility is a joke. These companies pay a pittance in order to try and cover up wrongdoing on an unimaginable scale. The institutional corruption is disgusting.

    I’m being warned by journalist friends to flee for my life for whistleblowing. You’ll be able to find me… sleeping rough somewhere in London. If the Safer Streets teams can’t find people, then good luck to the banks with their teams of lawyers out to gag me!

    Come and sleep rough with us!

    That is all.

    Occupy Canary Wharf 

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  • Eyes Passim

    This is a story about turning a blind eye…

    Fly's Eye

    I have a moral dilemma. Do I whistle blow or go public with the things I know, tomorrow, when I lose my contract at HSBC.

    How do I know I’m going to lose my contract? Well, I’ve rattled the cage pretty hard. The problem is that I care more about the shareholders, customers and employees, plus the stability of the global financial system, than I do about some idiots playing silly political games.

    Fundamentally, I do believe that markets are efficient if they are free from political influence. Also, markets only really work if there is free trade and a single currency. Trade tarriffs, sanctions and so-called ‘hard‘ currencies are the new way that wars are waged and nations enslaved, and I’m not OK with that.

    It’s pretty clear that a crash is inevitable now, but I don’t want to see the baby thrown out with the bath water. The laws, financial instruments, systems and infrastructure that allow capital to flow, should not be swept away.

    Anti-capitalism is wrong. It’s the perversion of capitalism by ‘rigging the system‘ like Bretton Woods, that is wrong. It’s the insanity of having financial instruments that are not underwritten with collatteral, like Credit Default Swaps, that is wrong. It’s the institutional investors who buy every company of a certain market cap, thus creating a market for junk stock, provided its valuation can be pumped up unrealistically with ridiculous Profit:Equity (P:E) ratios (a.k.a Price:Earnings).

    If we expel the money lenders from their temples, we only set back our civilisation. There will be chaos and greater inequality as a result. Just look at how the oligarchs monopolised everything after the fall of the USSR.

    I’m really cut up right now by the strong desire to do the right thing, and I know that it will probably hurt me most of all. However, I’m not out to hurt anybody. I just couldn’t live with myself knowing I stood by and didn’t do anything when evil deeds are afoot.

    Even if they’re not totally evil deeds. People are still sleepwalking right into another major crisis. This one doesn’t even seem to have an elegant central system designed to help things unwind with at least a little preplanning. It’s all about that lack of joined-up-thinking that will cause an unpredictable domino-effect.

    So, wish me luck in the morning.

    What are You looking at?

    I wish I was a cat and I didn’t know any better. Ignorance is bliss (October 2014)

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  • Plans to jump off building. Hate life

    This is a story about thought experiments…

    Quantum Suicide Pact

    I had 50 minutes to draw something while in hospital. I drew this. I have been thinking about it since I lay dying on the floor, unable to move a muscle except my eyes, diaphragm and heart. My urine was like orange juice and full of blood.

    I considered that dying would be a regretful waste, because I wouldn’t be able to tell anybody what it was like to die. I decided that if I discovered I was immortal, it could corrupt my morality and I would eventually use that knowledge to my sole advantage. I also considered how embarassed I would be to ‘meet my maker‘ in the full realisation that I p1ssed away my chance to learn anything from the situation.

    Bizarrely, I then conceived a thought experiment, as I lay on the floor. This addresses The Measurement Problem in Quantum Physics. The problem is this: how do you separate the experiment from the scientist who is conducting the experiment? By taking a measurement you are actually part of the experiment. We see this in every experiment that attempts to measure Quantum weirdness.

    Then, seemingly ‘miraculously‘ enough of my muscle was broken down by my body so that I had enough energy to get up and phone for help. I wasn’t out of the woods though. I nearly lost my kidneys. There was a lot of muscle damage too. So, just biology, and not really a miracle. I’m not a God bod now… although I did become agnostic at this point.

    My thought experiment is a variation of Schrödinger’s Cat, where two brave (or suicidal) scientists willingly enter a soundproof box, with a soundproof wall separating them. They then have to press a timing device for each other that must be pressed once every 2 minutes or else the timer will reach zero, and a captive bolt will pneumatically be driven into the brain of the other scientist. Given that there is a co-dependence on each other, if one scientist dies, so will the other.

    As an additional twist, if the two scientists press their buttons at the same time, within n milliseconds of each other, then they are both killed by the captive bolts.

    We can then start to tweak the parameters of the experiment so that we dial in a known probability of our scientists being killed. With 120 seconds of possible button push time, and 1,000 milliseconds in a second, we might hypothesise that there is a 1 in 120,000 chance (0.0008%) of both buttons being pushed within the same millisecond, which will trigger the event that leaves our scientists dead.

    So, what if our suicidal scientists press the button 60,000 times? Well, then the probability that the 2 scientists will be dead when we open the box is 50/50 . This is equivalent to Schrödinger’s Cat, except that 2 scientists are both alive and dead, rather than 1 cat that is both alive and dead, until we open the box.

    So, what if our suicidal scientists press the button 120,000 times? Well then the probabilistic prediction is that there is a 99% chance that the co-incidence would have occurred. We would be very surprised to open the box and find two living scientists. However, there is still a possibility that – no matter how slim the chance – they could have played Russian Roulette with a 100 bullet revolver loaded with 99 bullets, and somehow managed to fire the empty chamber.

    So, what if the scientists playing the game keep playing and playing and playing and playing. What if they eventually grow tired, having run many millions, billions, trillions, quadrillions of iterations, and they are still alive and button pushing? What if they decide to rip off the equipment and step outside the box? What would they know?

    They would know that Quantum Theory’s prediciton of immortality is very likely to be correct (Many Minds interpretation) and also know that this can be communicated beyond a single conscious surviving mind.

    I know that this is very messed up. Similar thoughts troubled another JPMorgan IT bod to the point where he took his own life.

    However, we can’t ignore the predictions of a fundamental theory that seems to be borne out by the experiments that we can conduct ethically. But why are we asking intelligent people to do stupid jobs? Is that ethical?

    I have always had a passion and aptitude for science and art, but we are all in a debt trap. Without the brain draining work of Global Banking IT, I could never be debt free. My myopic ex-wife got greedy. She now has a paltry amount of rapidly devaluing fiat currency, rather than a tangible freehold property asset.

    This is the kind startup I really want to be working on.

    Debt Reverse Me

    I started building this but my divorce nearly destroyed me (October 2013)

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  • If You Read This I Will Have To Kill You

    This is a story of “greedy, lazy, incompetant people who got found out”…

    Fear and Loathing in 8CS

    Justice is a funny thing. So is Karma. Things will always catch up with you. “My name is Earl. I’m just trying to be a better person”.

    I might not particularly agree with the Patriot Act, but I agree with the punchy tagline that was used to sell a lie to the American people, who were still scared and reeling from the biggest terrorist attack on home soil: nothing to hide; nothing to fear

    However, I have a job which I need to pay my rent, but someone who isn’t me (Earl) was working with a colleague who had his/her contract terminated today. Here are some more words I heard from Earl:

    “I had asked to be moved from one scrum team to another due to a difference in style and approach from the way I like to do things, which has always been quite successful for me. However, it’s not in my remit to tell other people how to do their job, so I asked if I could work with the a person who seemed to be doing things more in line with my expectations.

    There then followed a blissful two days of productivity. The business seemed happy. The product owner/CIO seemed happy. Us developers were overjoyed and we were high-fiving and walking around the office with big grins.

    We decided to go out for lunch as a well bonded happy team, at the suggestion of our scrum master. But he/she never showed up. As we sat there at lunch, we all agreed what a great guy/girl he/she was, and that we wanted to support him/her from the inevevitable management pressure that was going to fall on his/her shoulders.

    We were surprised that our colleague didn’t join us for lunch, especially as it was his/her idea. We had left a note and tried phoning him/her.

    Over lunch we discussed how ‘damagement’ (management) were not really interested in knowing the truth, and in fact didn’t want to know it, as it would undermine plausible deniability.

    I observed that a couple of people had been asked if they would like to consider other opportunities in light of the increasing and relentless pressure. I wondered whether I might have been guilty myself of precipitating one of the scrum masters’ untimely departure. It was almost an open secret that I thought he/she was a micro-managing waste of space.

    I had actually been one of the people who was asked to consider other opportunities. I nearly laughed in the face of the person asking me. The irony of it was beyond belief, given this person’s dependence on me during the previous weeks. I stood my ground and asked him/her to resign instead.

    This kind of brinksmanship must be going on all the time between these equally incompetant fools. Knowing that I was competant, it was not brinksmanship for me. Instead I felt confident that the project and the client needed me more than I needed the contract.

    You can’t bluff a poker player who is holding the nuts – the very best possible hand available from the cards that have been dealt. It’s a simple matter of memorising the odds for all the possible hands, and then your play becomes automatic: you know almost immediately when you should fold.

    When we got back from lunch, I went for a pooh. I sat on the toilet, looking at Facebook and taking my time. I was relaxed and enjoying my job again, for the first time in ages, after having been empowered to do my job and make things better.

    I came back to my desk, and my team told me he/she was gone. Immediate effect. They had got rid of him/her while we were all at lunch, with that empty chair at the dining table.

    We speculated during the afternoon that the reason for termination was a lack of fear. Our departed colleague was rumoured to have no mortgage. He/she was too honest. Too fearless. He/she wanted to do the right thing.

    I liked him/her, even though many people didn’t, seemingly for intangible reasons, unrelated to whether they could do their job well or not. His/her face didn’t fit it seems.”

    Anyway, I’m not really able or willing to comment, given my position on a sensitive, high-profile project that I can’t talk about, and would never talk about, given my professional duty to my client. I will say this though, of the attitude of me and my colleagues. We care very deeply about the needs of our client and customers, and we always put those needs first, often ahead of our families, our health. We are passionate and dedicated, and excel at our jobs, under the most intense pressure and stress.

    We are all trying to be the very best we can possibly be. We need to be. The bank is “rotten as shit” as the Department of Justice will attest. $1.9bn fines don’t get dished out every day. We are turning it around though. I really like the CIO. I really like my team. I really like my job. I really like trying to save hundreds of thousands of jobs. We don’t get to do that in IT very often.

    [Picture has been removed by IT Security]

    Me in the office, wearing a rugby shirt, looking like I’m having a ‘good time’ despite having worked far too many 7-day weeks (September 2015)

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  • Global Terrorism: One Brit’s Perspective

    This is a story of identity, respectfully, on the anniversary of the September 11 attacks on the World Trade Center, New York, USA…

    Spikey Shard Statue

    When people ask where I’m from, I’m not sure how to answer the question. My surname is Grant, which is Scottish, but I was born in Aberystwyth, which makes me Welsh. But my Dad was from Yorkshire, so maybe I’m a Yorshireman. However, my Mum was from Lancashire, so maybe I’m Northern. But then again, I grew up in Oxford and Dorset, which are in the Midlands and South. I have lived & worked in London, England most of my career, and this multicultural smelting pot is where I feel most at home.

    The short answer is, in my opinion, that we are all global children in the age of jet travel, international journalism and the Internet. I identify most strongly with the American people, who made me feel comfortable with my modern idenity, and the Irish people, who made me feel welcome despite my shortcomings.

    As a European, I grew up during a period of IRA bomb scares and bombings. I remember not wanting to drink my milk at primary school because of fallout from Chernobyl. My school was once evacuated due to a bomb threat. My neighbour was working late next door to the Baltic Exchange when it was blown up. During the height of “The Troubles” our family felt scared to visit Northern Ireland, when we were on holiday in the Republic of Ireland. Several friends were nearby when the Brixton and Soho nail bombs went off. I remember being scared of planes carrying nuclear atomic bombs from the USAF bases in Oxfordshire. I remember the Lockerbie bombing and I remember being scared of planes being blown up or crashing while I was in one.

    When I started my first Banking job in Canary Wharf in 2000 (age 20) there was no HSBC or Citigroup tower (let alone Barclays, JPMorgan, KPMG, Fitch etc. etc.) – they were just digging the foundations around Canada Square – the glass windows in the offices, that were blown out by an IRA bomb, had only relatively recently been replaced. My first job in The City (Square Mile) of London was in an office, which overlooked the bombed derelict ruin of The Baltic Exchange.

    In May 2001 (age 21) I started my first Investment Banking job, quite near the Natwest Tower (now called Tower 42). On May Day the previous 2 years, The City had been engulfed by protestors against the rise and rise of Global Capitalism. During the riots, my office reception had been amongst several that had been compromised by protestors, leaving pinstripe-wearing, briefcase carrying, FT-reading fat cats (if that’s how you care to think of these friends and colleagues of mine) barricaded in their offices.

    On the 9th September, 2001, I moved to Surrey and was commuting into London for the first time. On the 11th, I remember the unfolding of events precisely and vividly. People crowded around my computer screen, which had been one of the few that had managed to refresh the BBC News Homepage during the surge of Internet traffic following the first tower of the World Trade Center being struck.

    We made our way up to the trading floor, where they had TV, and we gasped as the second plane struck, and truth was immediately obvious – that this was a deliberate attack on the World Trade Center – fear spread throughout our office and The City. We believed planes were headed for Tower 42 and 1 Canada Square. We made our way home quietly, afraid, whereupon I had to buy a TV. I remember standing in the shop, just watching the footage over and over, transfixed with horror. We were frightened and saddened for the American people, and for ourselves too. Human suffering defies borders, defies race prejudice, defies class divides.

    In early summer 2005, I started working for a U.S. Investment Bank and relocated to the South Coast of the UK. On the 7th of July, London was hit by 4 bombs on public transport. Before I relocated, I could walk to work from Angel to The City, but when my office had been relocated to Canary Wharf in 2003, I used to take the tube every day. On that particular day, one of the bombs detonated when the tube was right underneath where I used to work, in between Liverpool Street and Aldgate East.

    I can barely imagine the horror of living, working or having friends and relatives on Manhattan Island on 9/11,  but in the UK the emotional connection spread as fast as the images were transmitted around the globe. On 7/7 there was chaos and confusion. I remember the phone network not being able to cope with the volume of calls and SMS messages, as we all reached out to one another to check we were OK. Nobody knew what was going on.

    The images of the towers falling, and the dust cloud engulfing a city, will always be etched in our memories. Despite not being an American or having any direct connection with New York, I hope it does not seem churlish to say that I am symapthetic with the plight of those who were more directly involved in the events of either 9/11 or 7/7, and also have basic human fear and life-preservation instincts, that make me a little more fearful than I would care to admit to a terrorist, on the prospect of working in my 42-floor office with 12,000 souls, even 14 years later.

    Somebody took a giant dump outside my office recently, as a non-violent protest about banking ruining the global econonmy, presumably. If somebody is angry enough to drop their trousers and curl one out, right in front of the security guards and CCTV, then I think there is still a large body of people who are pretty unhappy with those ‘fat cats’, still.

    This is not at all about me. This is meant to be a message of sympathy, empathy, respect and common understanding, that we have all shared experiences of terrorism, and they are real and affect us all, in some way.

    Condolences to all the families who lost loved ones on this day.

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