Monks looks to the future to meet your aspirations.

That's why we take time to consider those key themes that we believe will provide opportunities for the years ahead.

Looking forward in this way, rather than backwards, helps our search for those companies that will shape the future.

We think it's a better way to deliver returns you can look forward to.

Monks is managed by Bayley Gifford.

A key information document is available by visiting BayleyGifford.com.

As with any investment, capital is at risk.

I would say that primarily we are a data company.

My doctor has been an author to data.

I think that that's also part of the secret sauce that's running as which allows us to do what others are unable to replicate.

Which has come up with this unique customer score.

It's not easy to do, but in order for any Bayley to be sustainable,

the biggest thing that you have control over, right? The largest variable cost is your losses.

Our algorithm right now uses over 200 variables to come up with the customer's dependency to default.

Welcome to How To Lin Many Two Strangers with Brendan Lagrange.

I've been in lending strategy for 21 years.

In that time, I've been based out of South Africa, Denmark, Hong Kong, and New England.

I've traveled often for projects in the broader regions.

And yet, I have never been to Dubai.

I was supposed to go 15 years ago.

And I'm still a bit bitter about that.

Everything had been set up already.

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