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Will customers keep supporting the enormous overhead required to sustain ineffectual, unproductive stock picking across an array of thousands of individual funds devoted to every investing 'style' and economic sector or regional subgroup that some marketing idiot can dream up? Not likely. A brutal shakeout is coming and one of its revelations will be that stock picking is a grossly overrated piece of the puzzle, that cost control is what distinguishes a competitive firm from an uncompetitive one.

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Sharleen Spiteri

I can have a whole year off. I'm really lucky because I'm my own boss, so I make the rules and get to choose when I take time off.

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There is nothing better for me than to bring the bells in, in Scotland.

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Music has always been there for me and is what's helped me through everything. It's like my solace.

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Songwriters tend to make records instead of talking to people.

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My boyfriend is a chef, so he cooks for me, but I cook too. The only time I felt pressure was when he asked how I wanted vegetables chopped, so I described in sizes whereas he knows the right words. I felt a bit daft then.

Boyfriend, Cook, Cooks, My Boyfriend, Pressure, Vegetables

I haven't had any bad jobs. I was a hairdresser before and that's it. I still cut my family and mates' hair when they want a trim. If I go up to Scotland to see my mum, I know she'll say, 'Bring your scissors!'

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