This is a story about destiny...

Do you trust exit polls? What do you think about the predictions made by political commentators, newspapers, TV stations? Why is the UK's vote on membership of the European Union different?

Well, let's dig into my predictions, and why I think what I do:

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1. Brexit is going to win

What the heck? All the polls say that Brexit is behind. All the bets seem to be backing a vote to remain in the EU. The currency markets seem to be predicting that Britain will vote to stay a member of the European Union.

However, the vociferous liberal press has shouted down the ordinary person with loud cries of "BIGOT!" every time  somebody suggests that the UK should go it alone. Brexit has become synonymous with closet racism... and that's exactly where the average voter has retreated to... the closet.

There's a fear of sharing your far-right views, because people know it's wrong to bash immigrants and brown people in general, but with the anonymity of the ballot box, things are going to be a different story. The fact of the matter is that there has been a massive upswell of racist sentiment since the economy went belly-up, and the patronising voices of the liberal elite have only further angered the general public.

The people who are going to vote Brexit are the ones who have gone quiet. They are biding their time, just waiting for the time when they can put their little 'X' in the box, and stick two fingers up at Johnny Foreigner. They've given up arguing that "I'm not racist, but...".

Racists will never win a battle of wits, but they will win when they're allowed a free vote, anonymously.

2. We can't escape our destiny

Did you forget about the crippling debt in Greece, Italy, Spain? People have short memories and attention spans, but we are still suffering the consequences of the credit crunch, which is in turn a result of runaway borrowing. Not borrowing by individuals, but borrowing by governments with spending deficits, and by corporations that are trying to manipulate their tax burden.

The problems have not been fixed, and debt continues to balloon. Austerity and deep cuts have done nothing to plug the holes in an economic rescue plan that is deeply flawed. All that Quantitative Easing has done is to further line the pockets of a handful of wealthy people. There's no inflation, so the problem is just as bad, if not worse than it was 8 years ago.

Defaults and debt haircuts, write-offs... these are the only options, and distancing ourselves from Greece, Italy, Spain and other European neighbours, is not going to protect us. We're going down the shitter with them, whether we like it or not.

3. Cameron is ceding control to Bojo

How do you step down, when you have won two general elections back-to-back, and still save face? Well, how's about having a referendum to placate your predominantly eurosceptic party members, and then you can hand over control to a more popular and likeable leader, in readiness for the campaign for a 3rd term in power.

The macro plan is so painfully obvious.

4. The anticlimax is going to be so depressing

There is real optimism in the Brexit camp, as if destroying unions ever solved problems. There is a kind of delusional belief, that the woes of the country can be solved at a stroke.

Brexit is just the beginning of rebuilding everything that gets smashed, as we cut off our nose to spite our face.

It's not like we can drive immigrants out of our country with pitchforks on Friday, although I fear violent reprisals, whichever way the vote goes. The country is a tinderbox, just waiting for a single spark.

A vote to leave gives the green-light to yet more immigrant bashing. A vote to remain will result in disappointed bigots taking out their frustration in mob violence, rioting. Do you think Brexiters are just going to say "oh well, back to normal" if the vote doesn't go their way? In actual fact, it could be terrible, if they feel even more than ever that their voice isn't heard.

5. Political activation is destabilising

Even though I believe the status quo should not be maintained, having this referendum has brought people into the political process who were otherwise disengaged, disillusioned. However, there isn't the maturity there to accept that part of democracy is compromise, and with democracy also comes the responsibility to be mature, measured, calm, patient.

I see a kind of national hysteria everywhere I look. The language, the rhetoric, the aggression... it's appalling. The world looks up to us - to follow our example - as an advanced nation, and as a symbol of democracy. However, we bicker like children, we sulk, we tantrum and call each other names. We descent to the level of the playground. We are not making a fine account of ourselves on the world stage.

By pandering to the ill-educated, ill-informed concerns of the much abused general public, we have turned a serious question about how to lead our world out of economic danger, and sustain prosperity, into a silly game of finger-pointing and tit-for-tat measures, cronyism, cliqueness.

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Whatever result is declared on Friday, I expect that a genie is out of the bottle. There is no finality, no real result. Instead, either I will be living in fear of reprisals by a bitter disaffected group who have been dealt a disappointing blow, if we stay in the EU, or we will accelerate the dissatisfaction that people have in their every day lives, as they realise that voting to leave the EU has made precisely fuck all difference to their prospects and quality of life, and they look for further opportunities to express their frustration.

The world seems a more dangerous place, more filled with hate, less reasonable, less progressive and idealistic, thanks to this stupid debate, and pointless vote.

I pray that the vote is to remain, so at least we are not a laughing stock internationally, and as a nation we look terribly right-wing and bigoted. English football hooligans are already a national disgrace, but a vote to Brexit tars the whole country with that brush.

However, I totally get that the rhetoric of the Brexit camp has tried to leverage a kind of class revolt. I fear that it has been a little too successful at doing that.

Tags: #europe #politics

This is a story about national identity...

I will never be accepted in my place of birth, because I can't speak Welsh, I only lived in Wales for the first few months of my life, and I have English parents. I will never be accepted as a Yorkshireman like my Dad, or a Lancashire lass like my Mum, because I've never lived in the North of England, and I have a posh Home Counties accent. I will always be a Grockle (tourist) in Dorset, because I wasn't born there, just as I will always be a 'blow-in' in London, because I wasn't born within the sound of the Bow Bells.

So, I find all this talk of British national identity a bit laughable. This talk of a UK Independence Day, and "take our country back" is a joke. If you were to look at my passport, you might think I'm descended from Gauls, given that I was born in Wales where some of the oldest ethnic inhabitants lived... who perhaps escaped genetic mixing with Vikings, Saxons, Romans, Normans... but we know that's ridiculous.

The thing I like about London is that most people don't care who you are or where you've come from. It's a fairly meritocratic place where you can seek your fortune without being too held back by too many prejudices. It's a big enough place that any mishaps and misdemeanours can be overlooked.

I hate small-minded localism. I hate that "you're not from round these parts, are you?" idiocy... like it really matters where the hell you're from. I hate people who aspire towards some kind of backwards step, to a time when we lived in tiny villages and hamlets, in pockets of blissful ignorance. It's a nice fantasy, but it's never going to be a reality.

I've been that immigrant kid, bulking up a classroom that's already full. I've been in the minority, with a different skin tone from all the others in the classroom. I've been in the family that talks in their mother tongue, whilst living in a community that doesn't speak our language, and not observing local customs.

I know that while things are economically prosperous, there is joy in welcoming people of other cultures into our communities. There is novelty in observing and interacting with the outsider, and exploring the interesting differences between each other.

But when things turn sour and you're afraid for your job and you can't afford a house, and you start feeling pretty hard-done-by, it's natural to start picking on the odd-one-out. We're programmed to weed out the members of a herd that are different. As predators we look for the weak, the elderly, the young. As asexual beasts, we look for those who are most genetically normal, and reject the oddballs who might have undesirable mutations. We want those who share our genetic material - those who look the same as us - to survive at the expense of those who look different, who probably aren't part of our extended family, and therefore share our genes.

I get it. I understand this "look after our own" thing from the point of view of the selfish genes. There is no altruism, when push comes to shove and we feel threatened. And we feel really threatened at the moment. Housing, education, jobs, transport, healthcare, the economy... everything is screwed.

But you know what? You know who's really pushing you around? You know why you really feel threatened? It's because London is disproportionately represented. There's this little microcosm of politicians, lawyers, accountants, consultants and other highly paid professionals, who pretty much decide the fate of the rest of the country... not some bureaucrats in Brussels. You think the EU is why we have such a ridiculously financial-services centric economy? Is it fuck.

I know that in London I'm going to have the best of everything. All the tax breaks are going to go in my favour. All the infrastructure investment is going to be for me. All the political attention is going to be focussed on my concerns.

Yes, housing is a massive issue in London, but it's going to get addressed. Nobody dare let the concern of the City worker go overlooked, lest our precious position as a major centre for floatations, international litigation and the headquartering of some of the world's largest enterprises, be threatened.

However, 5 out of 6 people in the UK are not well represented, because we are so London centric. Do you think anybody much cares about the NEET (Not in Education, Employment or Training) on some God-awful sinkhole estate on the outskirts of a depressed Northern town, who is pissed off about their lot in life? Of course not, because they're neither economically nor politically active.

In actual fact, the tracksuit-clad pasty white housing estate resident, who drinks too much, smokes too much and abuses drugs, whilst having too many children that they can't afford to raise, is perhaps far more representative of the average citizen of the United Kingdom, than the suit-wearing, briefcase carrying City worker, with their well remunerated job in the service sector.

Yes, it's a liberal cliché to wring my hands with worry about the great unwashed masses. The voiceless angry mob outside London, who are in socioeconomic groups that mean that not even the advertisers care much about them, let alone the policy makers. However, something has captured the imagination of a much broader spectrum of British society, in this EU referendum.

Just as the killing of Mark Duggan was the catalyst for rioting in Tottenham, then in Croydon, and indeed all over the UK, it's clear to see that the motive for the vast majority of the rioting and looting was not to do with police action and race issues at all. It only took a trigger, for a wave of violence, vandalism, looting and rioting to be unleashed. People who would never think of running for Parliament or lobbying their local MP were literally voting with their feet, as they kicked in the windows of their local consumer goods vendor, and helped themselves to the merchandise.

I want London to feel as close to Berlin or Paris, as it is to Newcastle or Swansea. I want Europe to be united, but we are ignoring the fact that London feels very different from depressed towns and cities across the United Kingdom that are severely economically distressed, and politically ignored.

London cares more what the leaders of fellow European nations have to say, than what the mayors of other major cities do. What, for example, is the position of Liverpool in the whole Brexit/Remain debate? Nobody cares, in the newspapers that are written by London-dwelling journalists, nor in the benches of a parliament that sits in Westminster.

Distancing ourselves from Europe is the wrong thing to do. Bringing the rest of the UK into the decision-making that centres almost exclusively on London and financial services, is the right thing to do.

Tags: #europe #politics

This is a story about being a Francophile...

Vive la République! Having lived, worked and briefly been to school in France, I feel adequately placed to talk about some of the pros and cons of a different way of life that we aspire to.

Firstly, monarchy. I'm actually in favour of keeping the Royal Family. They're a great draw for tourists, and they give the UK a brilliant national identity. I like having the Royal Mail, Royal Mint and companies that are by Royal Appointment to various members of the aristocracy. Just as the USA has the stars and stripes, we have the Royal Crest and the Queen's head on everything. It's good branding.

The French might have cut off the heads of their aristocrats, but they still go nuts for all that royal shit. The palace of Versailles is still referred to as the Royal palace. The French still celebrate Bastille Day as if the monarchy were very much still in power: they ascribe a significance to royalty as if they had never actually become a republic.

What disadvantages do we have, remaining under divine rule? I can walk in the Royal Parks, enjoy looking at Buckingham Palace and seeing the changing of the guard, as well as all the other pomp and circumstance that accompanies the ceremonial head of state. It's better to sing God Save the Queen than some awful national anthem dreamt up by a committee, with its trite attempts to be inclusive.

Ok, so what about being a backwards agricultural nation of peasants, rednecks? Well, it's nice for a relaxing holiday. It's nice that the whole of France stops and downs tools for a proper lunch. It's nice there's still village life, with a butcher, a baker, a plumber, an electrician, a joiner and a builder, who are the mainstay of village life, under the Máire - the mayor - and people live a fairly old-fashioned life, where people shop locally and family life is at the centre of everything, along with good food & wine.

This is where I'm slightly divided. In the UK we have an 'always on' culture, where I can get 4G mobile broadband everywhere I go, and I'm constantly plugged into email, Twitter, Facebook. I eat my lunch at my keyboard and get crumbs from my sandwich all over my laptop. Village life in the UK has been destroyed as the commuter belts have moved further and further out into every pretty village with a railway station, within a few hours of London.

Sure, France has its cities, but over 50% of their working population work for the Government, and the spread of population density isn't quite as extreme as the UK, where the South-East is getting somewhat ridiculous, as London draws everything into its financial-services centric orbit.

While we're on the subject of financial services, would I rather be like France, which has had a relatively conservative approach to consumer debt and exotic financial instruments, or be like the UK where we're about as highly leveraged as we can possibly get? Well, apart from a few high profile cases like Société Générale, the French weathered la craque - the credit crunch - far better than the UK, which only survived because of the bailouts.

Basically, the UK is propped up on very shaky foundations. There is no underlying quality of life in the UK. Everything's on hire purchase, interest free credit, and the promise of work now, be rich later... screw spending time with your family or having anything other than work in your life.

Those who hanker after some kind of yesteryear could do worse than moving to France. However, you need to remember that a lot is lost in translation. Even with the best colloquial French, you're still not going to understand a lot of jokes, and pick up on the cultural subtleties. You're going to end up clustering together with ex-pats, swapping tea bags, Marmite and Heinz baked beans, and pining for England.

Certainly, if you have kids that have not been raised from birth in a bilingual environment, you're denying them the chance to really bond with their peers and get the most out of their education, and enjoy their childhood. They're always going to feel different. They're always going to be an outsider.

Gone are the years when France had significantly cheaper housing and cost of living. Gone are the days of cheaper food and fuel. Gone are the days of rustic farmhouse charm. Good riddance I say. Chopping firewood and fetching your water from the well, putting sawdust on your excrement in a freezing outhouse and burying your waste in the back yard... these are things that silly children like to do, because it's an adventure. It's not a way of life that we should aspire to.

Living without TV, Internet and high quality daily newspapers - ignoring current affairs and global issues - it's dumb. Just because France still manages to maintain a certain rustic charm and village idyll, doesn't mean that it's any way realistic in our globalised world.

In a way, the anti-EU sentiment stems from a history of mocking the French as cheese-eating surrender monkeys, who live some kind of hick outdated life. But there's also jealousy there. Wouldn't we dearly like to be as true to ourselves as the French?... protesting about every threat to our way of life, and insisting that our lingua franca is enshrined? The French are often unashamedly right wing and open about the divisions in their society. When we think of the Frenchman, we are likely to think of a farmer, rather than a Parisian, and hasn't our own culture been regrettably diluted by immigration, in a way that hasn't in France?

We look at the camps in Calais, and wonder why people don't just seek asylum there. Isn't France a safe country? There must be something desirable in our own country, but really, what we are saying is that we'd prefer it if people were just passing through the UK, rather than coming to settle. We'd rather be like France, where we have shipped our immigrants out to suburbs, camps, ghettos.

For me, a vote to remain in the EU is a vote of solidarity with Europe and with France. I want the UK to be more like France, and I want France to be more like the UK. I want to feel equally at home anywhere in Europe. I don't like these ridiculous notions of rolling back the clock to some unattainable yesteryear state, where we live in idyllic little villages and roll in the hay during an eternal summer.

For me the vote to leave the EU - Brexit - is clearly driven by this enemy at the gates idea that is epitomised in the Calais camps.

Frankly, I find the idea of building barriers between us and our nearest neighbour, most distasteful. Frankly I find the idea of rejecting our European identity to be complete madness, even if there is something emotionally appealing in the Union Jack and Her Majesty The Queen.

I feel a lot happier being a son of Europe than just a subject of The Queen. I like telling people I'm a European, just as a citizen of the United States of America would tell you that they're an American. I like the idea that I could live and work anywhere in Europe with no visa or work permit considerations.

Vive la France!

Tags: #politics #childhood #france #europe

This is a story about dirty tricks...

The Government and affluent Londoners have completely misread the public mood. There is a complete disjoint between the media, politics, and the concerns and struggles of the general population.

Youth unemployment, ballooning student debt, a lower minumum wage for people aged 18 to 24, unaffordable house prices, ridiculous cost of living... these things don't just affect young people, but also their parents. Parents are waking up to the fact that their kids aren't lazy & stupid, but in fact millennials are far better behaved than any previous generation. You just have to look at falling alcohol consumption, smoking and teenage pregnancy rates, to see that today's young people are far more responsible than their parents and grandparents ever were.

Meanwhile, there's a population bubble that is coming up to retirement age and hoping to collect a final salary pension - an income that is not at all linked to how much they have paid in and asset values - that is causing a massive deficit that nobody is talking about.

Everybody's dug into their trenches.

Students quite rightly demand the same standard of education that their parents received, but must get themselves tens of thousands of pounds into debt, and there isn't even the guarantee of a good job at the end of an expensive education.

Pensioners quite rightly demand the same retirement age as their parents, but are going to live much longer, healthier, lives in their retirement, and expect to continue an extremely high standard of living: 3 foreign holidays a year, new cars and large empty houses, with expensive luxury kitchens & bathrooms, lavishly decorated.

Parents quite rightly expect their kids to move out, live independently, get married, have some grandkids. But that's not going to happen unless parents share some of their wealth, and many parents are already worried about whether they have enough money to maintain their high standard of living. So, the reality is kids never leave home, never become financially independent, are never able to escape the demeanment of being dependent on their parents.

Driving this drop in living standards is the fact that the West has been exporting its inflation for years. The postwar boom years were achieved by abandoning the gold standard and printing money. The only way that the value of the Pound, Dollar, Euro and Yen have been propped up is by an agreement called Bretton Woods, which defined a basket of so-called "hard" currencies.

Now, the people of the developing nations are demanding payback. These people have worked far harder and saved far more money, than the arrogant West. These people are quite rightly dissatisfied with being economically enslaved by a culture that broadcasts its profligacy to the world. If Hollywood is to be believed, we all live in mansions, drive supercars, fly helicopters and know the President of the United States of America, personally.

People want everything they were promised, but reality is a real let-down.

Even in London, where the streets are paved with gold, we live in tiny damp flats, with paper-thin walls where you can hear every little noise your neighbours make and the din from passing traffic is incessant. We are like sweaty sardines on a dangerously overcrowded public transportation network, working the longest hours in Europe, in the hope of affording some ludicrously overpriced piece of real estate. Pollution and crime is all around us. Yet, we are high-brow Guardian newspaper readers, who deign to patronise the ordinary working people outside the M25.

Nobody in the provinces gives a shit about a few malnourished brown people. They just want the cushy life their parents had: with a free University education, a seat on an uncrowded train, a 9 to 5 job that has a big enough salary for one parent to work, buy a house, pay the bills and raise some kids. However, that dream is never going to come to fruition.

People have been disengaged with politics for years. The disillusionment with the instruments that maintain the status quo, has reached crisis point. The wealthy elite have been too greedy for too long, and they have completely misread the public mood, the will of the people.

We're going to have problems when even the middle classes become squeezed, because their kids are a massive drain on their finances. The middle classes are the ones who still wield some political clout, and can even become somewhat radicalised.

Finger-pointing at immigrants will fool some simple-minded folks who didn't pay attention at school and who fail to see the spine-chilling parallels with the rise of far-right fascism in 1930s and 1940s Europe. However, it's only going to buy a very small amount of time, before the UK descends into all out chaos and destruction.

While one generation goes on strike, to demand that their final salary pensions aren't touched, and the protection of jobs that have become unnecessary due to technological advancements, another generation will have their lives made ever more miserable. Young people have to suffer train strikes, on services that are already overcrowded and cost a significant proportion of their income, in order to get to a job where they're paid less simply because they're young, and their money disappears into the black hole of the pensions deficit, with no hope of ever owning a home and having the luxury of going on strike themselves, for fear of losing their job.

We are being turned against one another, and against minority groups like immigrants and Muslims, when the real culprits for our suffering are the public-schooled wealthy elite, who become career politicians and rule over us. The real culprits are those who take out more than they've paid in. The real culprits are those who expect us to work harder than they would work themselves.

The enemy here is inequality, not immigration. The thing that we should be correcting is the rich:poor divide, not dismantling the safety net of social welfare, and blaming people who suffer long-term disability, or immigrants.

We have been manipulated by the media and politicians into voting against our self-interests. We have elected politicians who have massively increased national debt, while at the same time making people more insecure in their jobs, less financially well-off.

Now, the politically inactive class have become radicalised, in voting for right-wing policies, and for relinquishing politically progressive ideals, which had given us greater protection for ordinary working people.

A vote to leave the EU is further playing into the hands of wealthy property owners, who want to see the clock rolled back to a time when there were no labour unions, worker rights and there was no job security or opportunity to better yourself. Brexit is vote to increase the power of a bunch of Eton-educated toffs, who have never done a hard day's work in their lives.

Yes, things need to change, and things need to change quickly, if we are not going to suffer a terrible rebellion by a hard-pressed working public, that could sweep away most of the advancements that our society has made, at great expense.

However, reversing the result of a referendum that was already held once before, is not the way forward. The House of Commons should be just that: representative of the common person. Getting rid of EU gravy-trainers simply hands more power to the wealthy elite, who have presided over a shameful decline in the British public's standard of living, for far too long.

Voting Brexit sends completely the wrong message to the elite, and to nasty bigots, like UKIP's Nigel Farage. Voting Brexit emboldens those who wish to divide and rule us.

Tags: #politics #capitalism

This is a story about brain damage...

Look at me, eating brains for breakfast. Actually, it's obviously porridge, but I've clearly lost the plot. I'm a few sandwiches short of a picnic. I'm a few cards short of a deck. I'm not the sharpest knife in the drawer, at the moment.

I've been job hunting again this week, after a lengthy hiatus, and it's remarkable how badly affected by stress I have been. In the grand scheme of things, 4 or 5 months out of action is really nothing at all, but having to jump through the recruitment hoops is my idea of hell.

It was only a little over a month ago that I was completely bat shit insane and life was headed down the tubes, so I guess it's natural that this first week back in the swing of things should come with some trepidation.

I wonder how I will answer that question, in an interview: "what have you been doing with yourself since Christmas?". I wonder how well it would go down if I told them I had mainly been locked in my en-suite bathroom, suffering extreme paranoid psychosis, out of my head on bath salts, or in a slurring semi-comatose state induced by legal benzodiazepines, that meant that it took me 15 minutes to explain to a friend that I was eating a slice of toast. Another friend thought I had suffered a stroke.

Oh, I'm making my family very proud, eh? But what can you do? There was really very little hope for me after my brief efforts to keep the wheels of the machine turning, ended up being blocked by the holiday season. Faced with a cashflow crisis and the slow January job market, I backslid, I relapsed, I self-sabotaged.

How much damage does it do, to get so messed up for 3 months? I mean seriously messed up. At one point I believed that window cleaners were spying on me at 11pm at night, on a bank holiday, with horrible winter weather lashing the building.

You only have to look back to some of my blog posts from around that period to see that the whole bath salts & pink/blue pills from the internet combo wasn't the greatest thing for my mental health. You can see the disjointed thinking, but yet my mind had failed to stop whirring away, so instead the complete garbage running around in the hamster wheel of my brain was just spewing forth onto the pages of this website.

In a way, I'm tempted to go back and edit what I wrote, or even erase it from history. However, it's an interesting record of everything that happened to me, in 8 months and counting. Here's a brief recap:

• I was living in a hotel
• I was working a contract for HSBC
• I was really enjoying my work
• I was well liked and respected at HSBC, and a valued member of the team
• I wasn't drinking any caffeinated drinks
• I wasn't taking any drugs (i.e. bath salts) and hadn't taken any since June
• I decided to quit alcohol for 100 days
• I got a flat, and said my friend John could live with me rent free if he did some work for me
• After 30 days without any alcohol, I became suicidal, unable to cope with extreme stress
• I went into a secure psychiatric unit of a hospital, voluntarily, for my own safety, for a week
• My friend Klaus and me did a Man on a Mission scouting mission to Devon/Cornwall
• I then went to San Francisco and caught up with one of my oldest schoolfriends and some of my startup friends
• I then threatened to whistleblow on HSBC because their Customer Due Diligence project was being completely mismanaged
• Naturally, HSBC then terminated my contract
• I then travelled round London, doing my #notanonymous thing
• I went on a load of political demonstrations
• I started doing my advent calendar, leading up to the deliberatly ironically named Cold Turkey on Boxing Day
• I sliced both forearms open with a razor blade, along the length of multiple veins
• I did 101 days without alcohol, then relapsed heavily onto bath salts and benzos (sleeping pills) and pretty much destroyed my bed and generally made a right mess of myself and my bedroom/en-suite
• I got better (or did I?)

Perhaps I should put this website on my CV and link to it from LinkedIn. I've obviously given a great deal of consideration to who is likely to read this. I expect that at some point, some people from JPMorgan, HSBC and my startup days have read things that must be quite eye opening for them.

I remember on the first Friday at my most recent contract at HSBC, a couple of the guys took me out for a beer and the conversation was steered onto the topic of drugs. I had my game head on, so I didn't go into exquisite detail about my colourful past, but I did later fall asleep at the bar and get told by security staff that I couldn't take a nap on my stool. I wasn't on any drugs at the time, but my alcohol tolerance was quite low.

It should be remembered that I wasn't abusing drugs for that whole time I was working at HSBC, and I was actually sober for the whole of October, as the first 31 days of my 101 day sober challenge to myself, which I achieved.

Well, that's not strictly true. After a week at HSBC, I realised that my cashflow was completely screwed and living in a hostel whilst working on the number one project was not going to work, but I didn't have any money. I mean no money at all. I wasn't going to be able to travel to work, eat, or even afford to pay for my hostel bed anymore.

What a ridiculous situation. I was earning many many times more than the average wage, but yet my cashflow was in bits. I was employed doing some very very important work, but I couldn't afford to get the tube to work or buy a sandwich. The money was there, but it was trapped in the system: waiting for my invoices to be paid.

Can you imagine that? You were living in the park, then you were living in a hostel bed, you start work with your one suit and your one pair of shoes, and you don't have any money, but you're working on the number one project for the biggest bank in Europe, and the CIO names you in front of the entire team, at the townhall meeting, as the guy responsible for a certain important piece of work... but you haven't got two pennies to rub together.

So, I ask you, where do you think some of my 'madness' comes from? Is it all due to genetics, to a disease... or do you think some of it comes from the extreme stress and pressure, and the lack of a proper safety net? How hard do you think it is, to fall between the cracks, and try to rescue yourself from destitution? How much of a toll does it take on your body and mind to have to fight your way back from the brink of death and dereliction?

I pretty much slept at the office, because there was nothing for me to go home to

Tags: #career #banking #bipolar #addiction #depression #suicide #homeless

This is a story about having to go back to work...

In my desperation to physically express my anguish, I smeared my own blood all over a canvas, from a deep gash in my wrist. The critics were not impressed.

Now I don't do much of anything. I'm just kind of hoping the world will go away. It'd be nice if some sort of Y2K virus wiped out all the computer systems, and everybody was unchained from their keyboards, wandered outside into the daylight, rubbing their strained eyes and blinking at the brightness of the sky, and started to talk to each other about more than office chit-chat.

I remember on 9/11 we all kinda remembered that it's OK to talk to strangers. That when shit is going down, you'd better make the best job you can of things with those around you. I remember that the most emotionally affected people were those who were furthest away from their kids. Why do we have to commute miles away from our kids, and be 'busy' for 40+ hours a week?

'Busy' eh? Well, if you can directly point at the impact you have on somebody's life, maybe you are busy. When I was an electrician, I could flick a switch at the end of a job, and they would have lights, electric showers, ovens, hobs, extractor fans, under-floor heating, sockets that they could plug electrical appliances into, storage heaters, immersion heaters, electric towel rails, dishwashers, somewhere to plug the washing machine and the fridge into, power to the garage, power to the shed, power to the hot tub, power to the swimming pool, lights in the garden, lights to illuminate the driveway. Yeah, I was busy.

Probably about the 'busiest' I've ever felt as a programmer was when 500,000 people downloaded one of my games. It only took me a day to develop though, and it didn't really do much, so I don't feel very proud. I wrote some utility to help field engineers set up the software on a load of busses. That was a bit better, and every time I see that model of bus ticket machine, I know that my software probably configured it... but it still feels a long way from 'useful'.

There's a real disjoint between programmers and users, especially as we're now trying to build companies with millions, if not billions of users (Facebook has 1.16bn monthly users). Personally, I was happier when I was teaching pensioners how to use Microsoft Word, back when I was a teenager.

It's my own fault to some extent. I draw out the workflow of a company, and wherever I see a stick man (a person) I devise some way to get rid of them, to automate their job. Human workflow computer systems are a pain in the arse. You need pretty user interfaces, and you have to train people how to use the systems. As a software engineer, you want data in, data out.

I've even taken to modelling customers in the most brutal state-transition diagram imaginable.

What that diagram basically says is "keep marketing our products to a person until they're dead".

Most software engineers don't build in the 'dead' end-state of their customer, and their software handles dead customers very inelegantly. My designs have baked death in from the very first whiteboard sketches.

I went to work for a company that was almost entirely run by stick men. They were very busy.

I wasn't too enamoured with the task of wrestling control away from the busy people who were, to all intents and purposes, making a reasonable job of running a UK company with stores in every major town. The problem was that they wanted to expand into Europe. The stick man system didn't scale.

So, I'm confused. I like directly helping people with their software woes. I even like building large complicated high volume data processing systems. I just don't like making software so the stick men can keep 'busy' doing their stick man tasks. Building a user interface so that a human can mis-type a figure, or press a button in error... that's like hell to me.

I used to draw Heath Robinson type contraptions as a kid. I might do one today or tomorrow. It's got to be a damn sight better use of brain power than the garbage-in-garbage-out systems that companies like paying me to design and build.

Jaded.

Tags: #career #computing

This is a story about modern life...

I missed 5 blog posts. 3 people were worried on Facebook, plus my flatmate. My sofa-surfing Kiwi has gone back to NZ.

2 of those people, I met at a hackathon, back in October. When I had to go into hospital a few weeks later, one of these new friends brought me a backpack that contained a set of hand-picked items from around my room, each thoughtfully chosen as something that I would probably need during a week or two in hospital. It felt like Christmas.

When I got really sick over the Xmas/New Year period, my other new friend came and sat on my bed and gave me a hug. He also did loads of my washing, cooked for me, and generally nursed me back to health. The most important thing he did though, was to just be thoroughly lovely. It makes a difference, somebody asking how you are and giving you a hug.

I was in a pretty bad way with muscle wastage and weight loss, having stopped eating for about 2 and a half weeks. Obviously I couldn't impose on my poor friend, with additional burdens, such as extra shopping to carry home, when he was already doing so much that was well above and beyond what any flatmate and friend would do.

Another new friend had become concerned by my lack of blog posts, and had actually come over to my flat on her own initiative. She's a very active person, with a busy life, but it so happened that she was off work... although I doubt that she pictured herself nipping to the Tesco Local for protein shakes, isotonic fluids and anything that had high calorie content. It was so kind and helpful of her that she did.

So, I just received an email from my sister. Apparently she's been getting shit from my parents, because they've read my blog and being the horribly abusive people that they are, they are taking it out their frustration with semi-illiteracy and their almost total exclusion from my life, on my poor sister.

Let's recap what wonderful parents they are, because apparently I've forgotten all the great stuff they did for me:

• Born to a couple of junkies. My mum was a student and my dad was failing to make enough money to support a family by buying and selling junk.
• Grandparents took pity on 3-year-old grandchild and bought them a house. Dad still doesn't have a proper job... too busy taking drugs.
• I spend all my time when I'm not at school in the pub, because my parents still can't afford to support a family, a drug addiction and alcoholism. Alcohol comes first.
• My Dad decides to scale up the junk buying/selling that didn't work before, so I have to leave all my playgroup and primary school friends to move to Oxford
• Between eye patches that I don't need and a yet another girl's bike with a fucking basket on it, I pretty much become the most bullied kid at school. I remember picking gravel out of my back whenever I was 'clotheslined' on the hard play area.
• My mum did take me to London a bunch of times, which was nice. We went to the Science Museum, which got me interested in science.
• Move to a school with a uniform. Turnups and the school blazer (optional) plus carry-over from previous school means the bullying continues. My mum sympathises with the bullies.
• I get a goldfish. He's called Fred. You can't stroke a goldfish. It's a shit pet, but I cry when he dies and make a little gravestone for him.
• Finally get a home computer. Not the Apple Mac like Julian and Joe have, or the PC like Barnaby, Ben, Marcus etc. etc. No... this is the last of the ZX Spectrums ever made
• Have to move school again. Great school. Bullying not quite so bad as there is an unpopular Russian boy and I'm in all the top sets and a good form group... so my parents decide we should move to France
• Some accountant friend of the family takes pity on me and gives me the oldest PC you've ever seen in your life. No software works on it, but that doesn't matter because the monitor is black and white anyway. This is my parents main gift to me: giving me something that's so unbelievably unfit for purpose that I try and try in desperation to make things work.
• Learn to speak French in France. Also didn't make any friends in the UK, and was away from all my other friends. Given the choice, I'd rather have friends than be able to speak French.
• Another new school. Bullying atrocious. Teachers are nice though. One of them takes me sailing after school... like a dad.
• Rather than leave me in a town where I can cycle everywhere and remain with my friends during puberty, we move to the middle of fucking nowhere. I write letters to my friends on floppy disks and post them to them. One friend comes to visit. One. That's it. One.
• Sailing club is good... thanks again to that teacher
• Another start at a new school ruined by the only bike that was capable of tackling the steep hills being a proper mountain bike. One that my dad stole. It was a girls bike. I had to ride past over 1,000 children all congregating on a big long pavement, before going up the steps to the school. My few sailing club friends disowned me.
• I was supposed to be saving up for another new computer, but £10 a week from a paper round doesn't leave a lot of spare money to buy replacement parts for my mountain bike, which gets used at least twice a day on very steep hills
• With a small contribution from me in cash, but absolutely huge in terms of the number of miles I cycled every day on my paper round, my Dad got me my new computer, well after its processor became obsolete. It doesn't have a co-processor or enough memory, but I figure I can upgrade those parts when I get a better job than a paper round.
• My dad bought the shittest, most rotten, neglected boat that looked totally not water-worthy. I restored it, then sold it for a big profit. Can't remember if I paid him back.
• I had a small financial contribution when I bought my 4th and 7th cars. The 7th car was brilliant, but I could have paid for it myself. I think I was only short a few hundred quid, and I was IT contracting so I was raking it in. I can't believe how my parents still say they "bought" me that car. I shall have to dig out the bank statements.
• That's it!

Oh, here are a few things that my parents like to misremember:

• They gave me one of their cars. My mum had crashed it and it had been repaired by a blind man. The thing is, it wasn't a gift. My granny had been saving money since I was really little so that I could get a car and insurance, and I would have easily been able to buy a small engined petrol car, in a low insurance group, with cheap parts... like everybody else my age. Instead, ALL the money had to go on insurance, and the shitty car broke down all the time, and because it was a complicated diesel with expensive parts, it was the world's shittest car for a broke 17 year old.
• Holidays: well, actually these were conferences for my mum, or the shitty dilapidated house in France where I was away from all my friends in the UK. My parents were always pulling me out of school, and sure it was an education and experience, but it was just what my parents wanted to do, with me along in tow. If you were going to do it anyway, it doesn't count as something you did for your kid. The fact we drove past Alton Towers so many times but never went illustrates their mindset perfectly.
• I've cost them a lot of money. Horseshit. I read books from the library or was playing round at friend's houses or somewhere I shouldn't have been. My parents never bought me the correct shoes to not get beaten up. Once I saved up the money from my granny and bought a pair of Nikes. I remember everybody commenting at school for days. I remember wanting to fall asleep just looking at them.
• They lent me money when I was in London. Nope. What they did was not lend me money when I was in London. I needed it in October 2013. Two years late is too late.

Ok, so there are myriad little things, mainly to do with cooking with my mum. My mum is really great. She did try her very best to give me a nice life. She worked hard, paid the mortgage and bankrolled my dad.

I'm trying to think of a nice memory with my dad, but it's all so practical. I was always watching him do DIY or cook but the only thing I think we learned together was when he taught me to read & write. Later, we would change the oil on a car and suchandsuch, but we never did something together, although I was allowed to come along to car boot sales, for example.

My only memory of him really taking an interest in something in my life was when I wanted to do a sponsored mountain bike ride, and I hadn't been doing the big hills for long enough to really travel all the way to the town where the event was being held, and then have much remaining energy to race.

It wasn't much more than a completely lumpy field, with a savagely steep climb, long traverse, descent and then back on the flat to the bottom of the climb again. I had no bottle cage on my bike and I was dressed in jeans, and it was a pretty hot day. People were laughing at this kid in jeans with a touring helmet, no other safety gear, on a girls bike.

When the race started, I left everybody who had "all the gear but no idea" behind. The traverse was quite tricky, especially without toeclips. The descent was suicidal on a fully rigid bike, but I started to lap quite fast.

The more the laps went by, the more of the skilled but unfit riders fell away. The ascent really was a killer in that heat. Anyway, I decided I'd better stop after quite a few laps, because I was feeling really badly dehydrated, and I was sick of getting flies in my eyes.

My dad was gobsmacked. I can't remember where I finished, but from his point of view, I was just lapping everybody over and over and over again. He took me to the bike shop in the nearby town and bought me a pair of clear cycling glasses for the flies, mud and stones, plus a bottle cage and bottle so I could carry a drink with me.

Perhaps if I racked my brains I could think of something else, but getting complemented on my riding, and then him making a further investment - unprompted - to allow me to take my hobby further, was a special moment.

So, my sister's pretty pissed off with me, but I can't understand why. My dad conspired with my wife and my GP to drag me away from my home, my life was dismantled, and the one time in my adult life when I did actually need and want their help - and it had been offered - they reneged on their promise in October 2013, and bang went my best chance to put my life back together in London, thanks to their lies.

I've not really altered the formula, and it's really quite simple:

• Place to live (not a hostel, tent, or shop doorway)
• Job (I'm an IT contractor. Thanks for your offer of [insert low wage job] but it would be uneconomical of me to not focus my search on highly paid contracts)
• Enough money for any cashflow shortfall until the 60+ days it takes before I get paid are done, plus I've absorbed the hit of the 6 weeks deposit, 1 month rent & agent fees
• I'm afraid that I'm so profligate that I replace my suit every 5 years, and my overcoat every 12 yeas. Shoes, I'm afraid I throw away when the shoe repair man laughs in my face. Shirts, I replace when the collar is worn through and it's horribly yellow under the arms.

There are certain things that people in London don't do either:

• They don't walk for 2 or 3 hours. They get the tube. That costs over £5 a day
• They don't bring a thermos flask of coffee into the office. Coffee is a £6 a day habit, but a necessary social visit
• They don't bring a picnic basket, get the blanket out, lay it down on the office floor, sit down and start getting foil-wrapped cucumber sandwiches out. Lunch is a £5 a day habit
• They don't drink much water. Sometimes they drink fizzy drinks. Sometimes they drink a kale, ginger and apple smoothie. Drinks are a £3 a day habit
• They don't have home-brew kegs hidden under their desks. When a Londoner goes for an after work drink, which is pretty much a social necessity, they will spend £5 a pint or more
• They don't work the longest hours in Europe and travel on a packed tube train to then get home, travel back in time, and start making fresh pasta and picking basil leaves in the garden they don't have. Your economy Londoners will buy fresh pasta and pesto, and will even push the boat out for a bit of parmesan: cost £7. Some days, you're at work so late that you might even get a luxury stonebaked pizza sent to the office, or failing that, you'll probably pick up a takeaway on the way home, because you're just going to fall asleep as soon as you've eaten: cost £15.
• They don't live in Zone 99. The zones go 1-2-middle-of-fucking-nowhere-99-100. Yes, it's true that you can save 50p a year on rent by living in Zone 99, but it will cost you over a million pounds for a travel card that goes out that far. It would also be quicker to just get a jet or a helicopter to City Airport if you're that far out.
• They don't all take loads of coke. Yes, it's true that there is some drug taking in the capital, but I bet there are good statistics to show that a far greater percentage of people are on drugs in the provinces, because it's so fucking dull out there.
• They don't fret about saving 7 pence on a loaf of mouldy bread, or consider it profligate to buy popcorn at the cinema, because wages are so much higher and you'll be working too hard to do all the stuff that you have to do to entertain yourself in the provinces on your meagre wage

So, anyway, I've shown my magic formula works. I know what I need to get back into work, routine, friendships and get on an even keel financially, so that I never ever have to explain to a dimwitted out-of-towner why the cost of living initially looks quite high.

However, my sister has a shit job, got pregnant with kid they couldn't afford, went through a divorce, lives in midlands suburbia and generally acts with incredulity that I could maybe have found it a bit stressful trying to re-enter London life on a credit card, living in a hostel.

I had said that my sister & niece were the only thing keeping me alive when I was in hospital. My life is fucked, the cashflow doesn't work, I'm not very well, I still haven't got a contract and there are now further delays. I know what'll happen... I'll get a nice big money contract, but after a month I'll be bankrupt, and my money will still be 30 days away at least. If I take it all out as soon as I can, then it means I'm not maximising my dividends, and it means I have to live on 33% of my income, instead of 100%. That means the stress carries on, month after month after month. But, apparently everybody's an expert in accountancy and cashflow forecasting now.

Apparently one of my sister's friends has it so much harder than me or something. Anyway, they're dead now. I'm just being a martyr or something. According to my sister and parents it's really easy to blag your way into a mental hospital, and slicing lengthways down my forearms with a razor blade was some kind of emotional blackmail, or maybe it was melodramatic... I don't give a shit anymore.

I literally think that you are a grade-A douchecanoe if you have no idea just how hard it has been to survive in London with no parental or state support, when I was completely fucked.

A big part of me says "fuck it". I was a homeless bankrupt drug addict in a park one day, and then you expect it to be all fixed in 5 months because I managed to get a flat, and a job. Then you only choose to help me when I'm hospitalised, suicidal. And then after it's already too late you say it's blackmail.

Fuck you. Fuck you. Fuck you.

Can't be bothered.

Why bother?

You have absolutely no idea how hard it's been to work my way back from the brink and just how carefully I've had to budget, and how cleverly I've done my accounting.

I really didn't want to write another thing about my parents. They're dead to me. But to hear my sister echoing their lies is heartbreaking, and to receive a lengthy message telling me things that are just total bullshit, and saying "I'm sorry, but I don't want to be anywhere near you".

That's just fucking awful. OK, so I've poured out my anger at my parents for forcefully removing me from my own home so my ex could cheat on me, generally backing her up, and then totally fucking me over when they had their chance to make good on something helpful. It's something I have been trying forgive and forget but they're never going to re-enter my life. They have no interest in it anyway. My dad didn't even want to come in my London house and meet my London friends, despite being parked right outside.

My sister says I should ask if I need help. My parents don't do anything until it's too late: I'll either be dead or in hospital.

That's not emotional blackmail. That's getting rid of some worthless cunts from your life.

I'm absolutely heartbroken that my sister has been taken in by their bullshit. We had been talking about her visiting London and her getting a matching semicolon tattoo.

Fuck life

Tags: #parents #childhood #sister #career #london #suicide #depression

This is a story about global children...

I should have been in Prague today, December 22nd, visiting the greatest Kiwi-Czech couple I know. I love them to bits. I'm sad I didn't get to go.

My ex-wife was a programmer when I met her. I thought there could be nothing greater than dating a geek. Turns out it's better just to date somebody you like and who is nice to you.

Yes, I went out with my checklist of things that I wanted:

• Science degree
• Computer programmer
• Outdoorsy
• Adventurous
• Ambitious
• Prepared to follow me into dangerous situations
• Able to stay calm in a crisis

I would say that I got most of those things. The problem was that she never backed me up. There were so many times when I expected her to have my back and she didn't. In fact she was an even more harsh critic of me than I am, and I'm unbelievably hard on myself.

She ended up trying to be me, which is a bit weird. She wanted to learn to climb, so she paid money for a guide and porters to drag her up a mountain. I could have taken her up some Scottish winter routes that are amongst the most brutally dangerous and exposed in Europe.

She wanted to learn to sail. I'd already pretty much taught her, but I could have found some really nasty tidal eddies and extremely tough ports to navigate into, where loads of boats run aground. I could have taken her out on a brutal day where you surf down the waves and try not to broach. No, she wanted to pay SunSail to bob around on a floating caravan in non-tidal waters.

She said she wanted to drive a rally car and thought she was a good driver. I've raced round the Belgian Formula One circuit and won a bunch of karting races. She bought herself a little car that looked a bit like a sports car while I was in hospital once. I bought her a 1972 MG Midget with wire wheels, for her to drive all summer while she was off work.

You would have thought that she'd take care of me, but either she didn't realise how good she had it, or she had a highly inflated opinion of herself.

It occurs to me that a lot of geeks would like a geek girlfriend. They're highly sought after.

I probably just picked badly.

Also, being nice to somebody doesn't make them nice, it turns out.

This photo was taken 8 days after we met. My life skills were ploughed into learning how to be a good adventurer, leader and geek, rather than pick a good life partner (July 2005)

Tags: #divorce

This is a story about running out of ideas...

That's a light box. It's supposed to be a way of treating Seasonal Affective Disorder (SAD). It's the final thing I thought I could try, as a natural remedy for depression. The regimen that I have followed for 6 months is:

• Varied diet, including plenty of fruit & veg
• Sleep hygiene: strict bedtime and getting up after 7 or 8 hours, even on weekends
• No caffeine
• No alcohol (actually only 3 months)
• No medication
• No drugs
• No legal highs
• Amino acids
• Vitamins
• Minerals
• Exercise
• Making new friends
• Trying to have a stable place to live
• Trying to have a job
• Reconnecting with old friends
• Getting some professional help (only had a whole week in hospital)
• Being disciplined and self controlled
• Wearing blue-light filtering glasses after 4pm (for the last few months)
• Using the light box for at least an hour every morning (for the last month)

Guess what happened? My mood was able to react to things, and I reacted to my mood. There was no stability. In fact there was no coping mechanism. Everything I used to do to regulate my mood was removed, so I did other things that were detrimental to my overall wellbeing.

Being hung over or drunk at work is quite good if you hate your job and think that the management are idiots. Because I was sober, I told the HSBC management team that their project didn't stand a chance in hell of being delivered, because it was being run by people who are terrible at Agile Project Management, and seem to be completely lacking any relevant software development experience. I said I didn't want to be any part of it unless some big changes were made. I said I wasn't comfortable doing the wrong thing.

Being hopped up on coffee is good if you want to rescue a project. I recoded Barclays entire Corporate Pingit system, in 30 hours, with no sleep. I kept the existing public API, but everything else was thrown away. Instead of spaghetti code, full of copy & paste, and buggy as hell, poor error handling, poor logging - unsupportable - I just rewrote nice clean code. Lots of coffee, 30 hour hackathon, all the bugs solved, code reduced by 80%, production grade error handling and logging. The team leader felt important because the old system barely worked, so he spent a lot of time understanding the spaghetti. There wasn't really anything for either me or him to do after I wrote a decent system. My boss was happy, the team leader wasn't, I got my contract terminated, Barclays customers were happy, I was happy that I'd delivered the software that meant I no longer had any work to do.

Corporate software is boring. The projects I'm asked to do are child's play. 48 million customer's metadata? That's only 48 terabytes, if we store a megabyte per customer. A low res scan of their passport and maybe a utility bill, plus a few thousand characters for their name, address, phone number etc. etc. At JPMorgan we stored about 3 petabytes of document scans. That's about the same amount of data in the entire Library of Congress.

AI, games, simulation, data analysis, physics & cosmology modelling, codebreaking... those are the hard problems. I remember I wrote a program that calculated every single possible checkmate. Then I wrote a program that found all the moves that led to those positions. It ran out of memory before it got back to the early moves. Then I wrote a program that could take the position of the pieces on the board, and find the moves to checkmate, where there is no opportunity for your opponent to win. Most of the time the program couldn't find a path where the opponent had no chance. In theory, with enough processing power and storage space, chess could be solved by a program. However there are 10 to the power 80 (10 + 80 zeros) atoms in the universe, and there are 10 to the power 123 (10 + 123 zeros) moves in the chess game tree. We should probably concentrate on modelling the cosmos at subatomic scale before wasting our time on a silly game.

So, that's my quandary. I'm not very challenged or interested by anything in the corporate world, and my solution of just being drunk all the time can't have been doing my liver much good. However, without alcohol/benzodiazepines I think too much, and without caffeine/bupropion/stimulants, I can't get motivated to keep solving the same easy problems that don't even need solving.

In fact, when I think about it, I must have made a lot of people redundant. I've automated a lot of stuff that people used to be employed to do. I've made corporations very rich, by allowing them to lay off loads of their workforce, but increase their productivity and profitability. My main specialism is Straight Through Processing (STP). I know how to get $1.16qn processed with just a few programmers, database administrators, infrastructure engineers, network specialists and system administrators. You don't need project managers, because they just put the lies you tell them into a spreadsheet and tell everybody that everything is going really well. You don't need testers, because good programmers write good automation tests, and they don't write bugs. There's no difficult logic or calculations in a corporate system. I do get spooked out when my code works first time, but it's quicker to do it that way.

Human workflow and user experience. Here's a better use of your time and money. Fill out paper forms and then set fire to them. Nobody gives a shit about having to go through your life story just to become a customer or get a government service. If I want broadband, just send somebody to install it and set up a direct debit. If I want to rent a flat, I'm going to pay you 6 weeks deposit plus a month's rent in advance, plus letting agent fees. Just give me the keys as soon as I've put the money in your account. Don't even bother with the contract. Burn it. The contract is simple: I pay you rent, I live in the flat.

You send a person to read the electricity meter. They can take my card payment for whatever I owe when they are in my home. You send a person to read the gas meter. They can work out my bill and I'll pay it on the spot. You send armies of traffic wardens. They can spend less time hiding in bushes and more time knocking on doors taking card payments for the rubbish collection, street lighting, police, fire service, libraries, schools and other things that I quite like rather than hovering near cars whose meter payment is about to expire.

My bank sends me a letter saying that they've paid a bill for me, but I didn't have quite enough money, so they're going to charge me even more money. My bank's only function, so far as I can see, is to make my problems worse. Rather than ringing me up and saying "Hello, Mr. Grant. We can see your income has suddenly stopped. We're not going to charge you any interest until you start earning again, because otherwise we are going to stress you out and make you bankrupt, and then we won't get our money back". 

You see, everything trundles along fine when you play along with the game. Keep working doing that job you hate, at a company run by imbeciles, on a project that just needs 5 decent full stack developers to get on with what they do best, for 2 weeks, with no project managers who couldn't organise a piss up in a bar, and no 'architects' who just draw on whiteboards and produce documents that nobody reads, because they were rubbish at actually producing real working software.

The worst code I ever wrote was my first iPhone game. Games are awful as a single indie dev. You have to do all the graphics, sound effects, music, plus design the user interface, and then there's the game itself which has to run at at least 30 frames per second. The calculations are hard. Doing it in Objective-C was a nightmare. I've never know a language with such whacky syntax. I can probably write code in about 20 languages (BASIC, Pascal, Assembler, C, ADA, C++, Java, Javascript, C-shell, Korn-shell, Bash, Perl, PHP, C#, SQL, AWK, Batch, Google Apps Script, Logo, VBA, XSLT) and there's a bunch more I know enough of the syntax of to read and edit.

I can glance at some data and tell you if it's XML, JSON, Base-64, HEX, key-value pairs, fixed position, CSV. I can probably guess how the programmers of your favourite game store the high score table, and insert myself as the number one player with an unassailable score.

Yes, playing the games that everybody else does, competing... it seems a bit pointless when you know the game is rigged, and if I really wanted to, I could tweak my bank balance. Fraud is not hard, and banks make so much money they don't even go after the small fraudsters. It's easier to charge honest hard working people exorbitant rates of interest and fees rather than doing their actual legal & moral duty to Know Your Customer (KYC). I could buy a digital identity for about $100, open a bank account, get some loans, use the money to buy a real passport from a European country that's a bit more relaxed about staff members making identity documents in return for a cash bonus.

Once you're in Europe you can just keep heading east until you find a country where people don't read too many newspapers and watch too much TV. You can find somewhere you can afford to eat and sleep for a couple of years, while you wait out the storm. You can take some time out from the rat race, because you deserve it.

My iPhone app business was a hit, my first IT contracting company made loads of money, my electrician business was profitable, but the building trade is hard, my enterprise mobile apps business was too ahead of its time and never made much money, my Bitcoin trading and mining was hugely profitable, my second IT contracting company made loads of money. I don't really want to sell out and get another contract just yet. I've got some cool software ideas.  Instead of doing what I normally do and start with a profitable business model, I want to do something I'm passionate about.

I don't work at MIT or Stanford. I don't work at CERN or the UK Atomic Energy Authority, but I can tell you that the strong nuclear force is the energy that's released when a heavy element is split into two lighter elements. But what does "heavy" even mean when we haven't managed to get the Standard Model of Particle Physics to be unified with Special and General Relativity. Special Relativity tells us that energy and mass are two sides of the same coin, and General Relativity tells us how mass stretches the fabric of spacetime. Gravitational lensing has proven the theories predictions. The Standard Model had it's wartime and industrial applications. The transistor radio and faster computers. Every experiment discovers new weirdness though, rather than proving the model is complete. The particle zoo grows and grows, every time we smash protons together at higher and higher energies.

What does Quanta mean? It means "how much". A photon - a packet of light - comes in a specific frequency, which tells you how much energy it has. Let's imagine that a red photon is 2, green is 4 and blue is 6. We can also imagine that an X-ray might be 20 and a gamma ray 50. Do you notice that all the numbers are even? That's because you can't see anything odd numbered. A photon with the wrong energy won't interact with an atom that needs a higher energy to absorb it, and then emit a new photon. The only way you know anything exists is because of the photons that are emitted from atoms.

So we can only work with things we can see, and those things will only tell us about the photons that have the right energy. We can build a machine that measures microwaves, but what material should we use to listen to the frequencies that no known material interacts with. How would we even find elements that our eyes and our radios and our photographic chemicals can't detect?

Well, cosmologists reckon there's loads of it, whatever it is. They call it Dark Matter and Dark Energy. Nobody can see it, but they've done the math, and there just isn't enough visible matter to glue the galaxies together. Imagine if Dark Photons came in frequency 1, 3, 5, 7 etc. but our visible universe is governed by the Planck Constant, which means multiples of 2, in this  simplified example. If you can only see 2, 4, 6, 8, 10 etc. then you can't see the Dark Photons and the Dark Matter that can only be seen with the materials that we only hypothesise to exist.

General Relativity is normally right, and GR isn't fussy about the matter that it accelerates. It doesn't deal in packets of energy. GR doesn't do probabilities. Quantum Mechanics says that if we stop observing something it loses certainty and spreads out into a probability cloud. If you know the location of something, you can't know it's momentum. If you know something's momentum, you don't know where it's located. It's like saying that if everybody stops looking at the moon, it won't be where you predicted it to be when you look back. But GR doesn't care about that. GR has predicted the moon's orbit with incredible accuracy, and the moon always obeys the law of gravity.

If you ignore gravity in your subatomic world, you permit matter to behave unpredictably. If you ignore special relativity, you permit massive particles to fly around faster than the speed of light, in order to uphold the uncertainty principle.

If we think about the duality of light. Both a particle and a wave. We think of photons as massless, but they have energy and finite speed so General Relativity applies. The speed of light is too fast to get caught in orbit but light will bend around massive objects. Let's use the Pilot Wave Theory instead of all that Quantum weirdness. Imagine our photon being carried along by the gravitational waves that it's making. Gravity waves can travel as fast as they like and can even escape black holes. You can't detect them, because your ruler will stretch and compress as a wave passes. You can't take a timing of how long it takes for something to travel from A to B because time and space are different for different observers. Just by carrying my atomic clock to my fellow experimenter, to compare the time I measured and the time they measured, my clock will run slower because I'm moving in space. Time is not distance divided by speed.

Time measures how much slower you're moving than the speed of light. If you could travel at the speed of light, and tried to shine a torch forwards, no light would come out and your watch would be stopped. You wouldn't even be conscious, because you'd be frozen in time. If you slowed down to 99% of the speed of light and shone your torch, you'd see it beaming off just as fast as normal. That's because time is passing more slowly, so you don't notice that your light is moving at 1% of its normal speed. When you get back home, you'll probably find that everybody is dead, because time didn't slow down for them. Your clock is right, but so is theirs.

So what's going on at the subatomic scale then? Well, you can't really detect a single particle. When a photon hits the Charged Couple Device in your digital camera, it's absorbed. Enough photons have to be absorbed to trigger the discharge of a capacitor. Only the amplified signal is strong enough to be measured. The thing about amplification is that you get noise. You're trying to measure a signal, but a percentage of what you measure is noise. That's the signal to noise ratio. It gets worse. Because instruments are digital, they have limited precision. If you measure colour with 8 bits, you can only pick the closest of 256 colours. A CD can only store 16 bits of air pressure: 65,535 possible values. It does this 44,100 times a second. Pretty good, but only an approximation.

Because all digital equipment depends on an effect called Quantum Tunnelling, it's hard to know if the Quantum phenomena are being observed, or whether it's the instrument's noise that is being amplified. Early computers sent signals in parallel, but sometimes the data got 'skewed', with some bits arriving later than others. Now data is sent in serial, with very fast modulators and demodulators, but that means that a lot of buffering has to occur. If you imagine the time it takes for a detected signal to be amplified, that amplified value to be measured, the value stored in a buffer, a modulator to turn the value into electrical pulses, the time to travel down the wire, a demodulator to measure the pulses and store a value in another buffer, a memory controller to load that value into the computer processor's register, the processing instruction has to be loaded from the cache, and then the calculation is performed, the result is copied from the result register to memory, the I/O controller sends the result to the storage device.

Then, ages and ages and ages later, a scientist comes and looks at the values. According to Quantum Physics, every piece of measuring equipment, power source, data transmission cable, the computer and it's storage device, are all part of a quantum superposition, and the value is not determined until the scientist observes it, at which point the wavefunction collapses. Computers are great at doing calculations and for sharing research, but by their very nature as machines that exploit strange subatomic behaviour - semiconductors - they are also not very reliable when measuring the very properties of physics that they themself are built on.

It's useful to think of the Pilot Wave theory, because it explains observations like the double-slit experiment, in a nice deterministic way. Photons don't travel through both slits, but the wave does, and then the two waves interfere. Interference disappears as soon as you polarise the particle, because the peaks and troughs are no longer in phase. We really don't need to mess around with probability waves.

Yes I really hate probabilistic theories. Because subatomic things are smaller than the wavelength of light, we can only make statistical measurements. The size of the atomic nucleus was estimated by hammering a sheet of gold really thin and then firing electrons at it. Based on the number of electrons that bounced back and got detected, an estimate was made of how much empty space there is in an atom. However, you might know the weight of the gold, and the surface area, but you don't know how thick it is. It might be 5 atoms thick, it might be 50. Where did you get your measurement for the weight of a gold atom? How you know its density? How do you know how tightly packed the atoms are together?

At some point you're going to have to rely on some old science. The periodic table gives us the atomic weight, based on a presumed number of protons, neutrons and electrons. But what about the strong nuclear force that's holding the nucleus together? What about the energy of the electrons in the biggest orbits? Does a 1g diamond have as many atoms as 1g of Carbon dust? Prove it.

So we know that heavier elements are unstable, radioactive, and decay into lighter elements. We know what amount of what element, in a certain isotope, will give a self-sustaining fission reaction. We guess that fusion in stars creates all the elements up to iron, and all the elements after that we guess are created in supernovae. We haven't done much apart from a bunch of chemical reactions and some atom smashing yet though. We've done pretty well with electromagnetism and radio waves. Semiconductors and transistors are completely ubiquitous. It's all useless junk if the Van Allen belt blows away in a coronal mass ejection and we're all bombarded by cosmic rays and the radio waves are filled with static noise.

I can tell you something that's fairly easy to observe. Hotter air takes up more volume than colder air. Also, there's an altitude where Earth's gravity can no longer hang onto its Nitrogen, Oxygen, CO2 and noble gasses. Also, if you suck up dense polycarbons from deep underground, where they have been heavily compressed, and then set fire to them, the result is less Oxygen, more heat, and the expansion of liquid into a big volume of gas that's heavy, so it lies close to the ground, while the useful Oxygen is pushed into the upper atmosphere, where it thins out and drifts off into space.

If you have more CO2, you should plant more trees. However, we're doing the opposite. Deserts are spreading, rainforest is being cut down and fire sweeps through vegetation in California, Australia and Borneo.

So many people work in banking, insurance, accountancy, financial services, paper pushing jobs of such woeful uselessness that probably the bulk of humanity's job description is: sit at desk in front of computer, wear telephone headset, read the script on the screen to people on the phone and type their answers on the keyboard, drink tea & coffee, go home.

Why can't I do something to help feed some people, spread the wealth, speed up the conversion to clean energy, get more computers doing more useful calculations and modelling, rather than just massaging sales figures and marketing crap that nobody needs?

I'm going to risk running out of money for another few weeks at least, and that means I definitely will run out of money, because it's usually 60 days until I get paid. For the amount of money I'd get selling my depreciating electronics, and the time and hassle involved, I might as well get a job stacking shelves in a supermarket.

I'm just going to do the type of work that I'm passionate about and good at for a few weeks. I know HSBC are going to need a Customer Due Diligence system before February. I like my ex-colleagues, but my god nobody had the balls to just bin the junk and start again. It doesn't scale, it's not maintainable, it's so hard to roll out in-country, the pilot was a disaster, all the good people are leaving, and 85% of the work still has to be done.

I remember getting really angry at an all-day meeting with about 40 people. I didn't know at the time, but the CIO was there, and head honchos from Retail Bank & Wealth Management and Corporate Banking, plus the best in the software business trying to save Europe's biggest bank, on their number one project, money no object. It maddened me that we spent 2 and a half days estimating how much work there was to do in 3 weeks, but nobody knew what our productivity was. Nobody knew what the backlog was. Nobody knew what Minimum Viable Product was. Nobody was bothered about Continuous Deployment. Nobody had thought about the godforsaken task of pumping thousands of questions and rules and logic into a spreadsheet that you needed to know 3 programming languages to even make a stab in the dark.

I said I'd do half the questions on my own. I then had to spend an absolute age reprogramming the core system so that it would spit out meaningful syntax errors. There were about 500 things wrong before I even started. Then the architect admitted that he hadn't even thought about some fairly fundamental things and his solution took days to get right, while my suggestion was roundly ignored. Then the data architect started changing everything, even though it was tightly coupled throughout the entire system. I had to give loads of people lessons on Git and Maven artefact versioning. It was madness, and I had to call time out: I asked for a code freeze while we got everything stable. To everyone's credit, they listened to me, trusted me and supported me. I think it was only 5 straight days of midnight finishes. The work wasn't hard, but there were major bugs in every single component of the system. The pressure of knowing that hundreds of people are effectively twiddling their thumbs, and if you don't get it all working, you've damaged a huge amount of productivity.

A little cheer went up when everything integrated and the screens went green for the first time in weeks. It was also just in time for the CIO to announce that we'd achieved a significant milestone at the Town Hall. It was false optimism though. I had unearthed an absolute mountain of buggy code and dodgy config. My worst fears about performance were confirmed too. It took 5 minutes for the homepage to load.

I found a Scrum Master I liked and gave him a list of names that I wanted to work on a new version of the application. We picked good tech, designed a simple system and had something to demo in a week. They sacked my scrum master, me, and the longest serving member of the development team. People were getting jumpy and we were making management look pretty incompetent. I was also leaving a paper trail that was inconvenient. I was quite explicit about the urgency of the situation and what the simple remedies were. I didn't sugar coat it, because I'd been giving the same advice for 5 months.

I had plenty of warnings to keep my head down, and toe the line. I knew my days were numbered, and when I found out my old scrum master wanted me back because everything was tanking, I fired my parting shot. I knew I'd get terminated. Quicker than having to work a notice period. No need to lie about your reasons for leaving. No 4 weeks of hell working for a micromanaging idiot.

There's no challenge for me in corporate software. I ran the IT for a nice medium sized company. The board asked me for a data warehouse and a new phone system. Instead I gave them a new card payments processing system and an accurate set of accounts, with the correct ledger for all their customers. It's the only reason why the Office of Fair Trading didn't shut them down when they sent their forensic accountants to see why the books didn't really balance. Oh, and they were in breach of card data protection and were going to have a data theft until I tokenised all the card numbers. I had such a hard time in convincing the CEO of the right technology strategy that when he said "fit in or fuck off" I was more than happy to leave that rudderless captain.

When JPMorgan needed somebody to figure out why their FX system was running like a dog and they were going to cause a market liquidity disaster on International Money Markets Day, they'd had 10 Oracle consultants and none of them could find anything wrong. I found a DBA I liked in London, who didn't even work in my department, and we went through everything with a fine tooth comb. I also harassed the sysadmins until they got my disk I/O up to scratch and tweaked every kernel configuration value, applied every patch and generally wrung every bit of speed we could muster out of the hardware. I then had to take the vendor's code to bits and tell them where they had multithreading issues. They didn't believe me, but I kept sending them the measurements I'd made and pretty graphs, until they put a dev on the phone to me, and we talked through the code, and found a bug. Then the marvellous DBA found the setting that was causing the latency. With the new code and the much faster database, I could hardly believe the timings from the performance tests. When IMM day came, we blitzed it. We absolutely wiped the floor. Fastest FX platform in the world. There wasn't much appetite for developing our own in-house system anymore, I really didn't want to sit around looking busy. I liked my friends and the culture, but I still need interesting work.

And that's how it goes. Hire me to fix your technology problems, and I will, but then I'll want to leave if new challenges don't come along. I hate just keeping a seat warm. I guess that's Bipolar. I work like a son of a bitch for 3 or 4 months, then I'm really struggling to stay motivated for another month or two, and then I'll just stop coming to work.

I could try and pace myself, but invariably I find myself drawn to the impossible challenges. Normally you hire somebody who turns out to be rubbish, but refuses to leave. They literally stick to their chair like glue, because their main motivation is job security, not being good at their job. When you hire somebody who's really good, you can't let them know what a hideous stinking mess everything is in, and that they're going to be under relentless pressure to do horrible work. People who are really good will just go and find somewhere better to work.

I'm an idiot. I want to finish the job I've started and leave feeling proud of delivering stuff. I never ask for the poor performers to be fired. Most of the time I'm able to calmly filter out the new guy I'm training, when they're trying to impress me, but they don't know what they're talking about, and I've got an absolute bitch of a schedule to keep. I had to keep just saying "no" when 3 people were shadowing me, and they were all saying you forgot this or that, or you did that wrong... then I press a button and it all works first time and I can start to be more amenable again.

I'm absolutely not perfect. The first implementation is normally a dog. An ugly dog. But it works, and then the pressure is off so I can refactor for elegance. It's a bit of a thankless task though. When you start refactoring you then start looking at other code, and you end up having to change more and more and more and all the tests break because everything is so fragile, and then people start complaining that they can't find their bit of code anymore, and they have to merge their bit of work into an unrecognisable new world, because people don't pull, commit and push often enough.

I don't even write much code. Ask me for a bit of code that does something, and I'll give you a little bundle that you can plug in wherever you want it. When everybody is developing features but the application doesn't work, I'll concentrate on bug fixing and stabilising the build. When everybody is trampling on each other's toes, I'll concentrate on release management and versioning. When an important demo is coming up but people are committing code that doesn't work, I'll roll it back and tell them to put it on a branch until it integrates. When code starts getting promoted from DEV, to UAT, QA and PROD, somebody has to make sure the database is created with the latest schema, test data is loaded, Business Process Management tasks are cleared down, and all the little microservices are up to the right versions. That can take 3 hours on a bad day.

Software is not hard. Managing a huge team is hard. I haven't had a management role since 2013. However, I know that every untalented email forwarder who thinks they can manage a big project says "features, features, features, we're late, features, features, oh my god we are so late, let's just get it working, get it working, oh my god so many bugs, performance is terrible, let's try and go live anyway, oh my god it's hard doing a production rollout, and the users hate it even more than the testers, what do we do? what do we do? everybody panic, work 25 hours a day 8 days a week, 366 days a year, what do you mean we don't have any metrics? what do you mean we don't have any reporting? what do you mean it's not multilingual? why are all the good people leaving? why do things seem to get done a lot slower now we're supporting 3 or 4 more environments, instead of just one? who could have predicted such a thing? why didn't any highly paid consultants tell me? oh, they did? get me the mail server administrator immediately, there's some junk mail I don't seem to be able to delete permanently. Just get it done before the regulators come asking why we've failed to meet our timetable commitment".

And that's why I hate corporate bullshit.

It's the engineer's curse: we want to just solve problems, to make stuff that works, to make things better. I don't care that it hurts your feelings when I say your idea's rubbish. Your job is to listen to the experts, motivate people and sign the paychecks. My job is to come up with the ideas and make them a reality for you.

I don't really think I'm cut out for having a boss. I don't really think I'm employable anymore. I just completely ignore all the management, then they love me, then I tell them I'm not doing it again unless things change, then they hate me, then I get fired, then they get fired.

I probably need to figure out a way to get paid for more than 5 or 6 months of shouting and swearing at everybody and just doing whatever the hell I want. But it's so soul destroying to go to work and think that you made absolutely no difference. In fact you were complicit. Your day rate bought your silence. You were more worried about losing the stream of big invoices than your ethics. You put financial benefit ahead of professional, moral and legal obligations.

A bunch of white collars have got to get prosecuted soon.

Bankers have had their hand in the till for far too long.

Tags: #banking #bipolar #physics #career

This is a story about the doors of perception...

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.

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.

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.

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?

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.

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?

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!

Tags: #banking #career #london #it #capitalism #politics #hsbc