First off, Sam, congrats on the success your memoir "For the love of money." Given that it's about your decision to leave finance, a world you called a "selfish, arrogant culture" at one point, how has the reaction been? I jest, but have you received death threats?

Biases lead experts and clients to make decisions which cause financial losses. An interesting question worth exploring is if there are any biases incorporated in internal guidelines, as day-to-day banking does not account for biases.