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first of all I would very much like to thank the pro vice-chancellor for a very nice introduction which Im currently blushing from shes thank you very much and I would like to just before I start thank my colleagues in the business school for making it a great environment and for really enjoying my time here and Im able to hopefully do some interesting research because of it I hope now its interesting with inaugurals and when I was invited to give my little girl I decided out of all these publications that Ive got and the ones that are pending what do I actually give what do I actually present and I thought to myself well what I would really like to do is present something thats relevant given the impact in the ref that we got with Brighton and something that we can hopefully all be able to understand and all be able to relate to whether we are professors of finance or whether we are people within the community so what Ive decided to give is one of my pieces that I think is ext