And I need you to believe me when I tell you that I always, always take this money with an intention, a true, deeply felt intention, of finding a way to repay it. I am a proud man and I have drive and ambition, I have a vision of my future and it involves me making money, owning assets. That vision exists over the next hill, around the next corner, it tantalizes and it glitters and it makes me sick with longing, and it often, I’m afraid, leads me to making rather bad choices.

