We're talking about the financial waste of holding costs. We're talking about the difference

between completions that take three months, four months and five months coming down to

two weeks. We're talking about giving builders certainty, financial stability and providing

an exceptional experience for the customer. So I can't help but be excited about what

we can contribute to 2023 to helping drive in forward the UK economy.

In the forests of southern Nigeria, there grows a shrub or maybe you'd call it a small

tree. Masilaria accumulator. The way it is described online, it sounds unremarkable,

grey-screen bark and white-trimmed pink flowers. Luckily, it doesn't rely on its looks to

get by. The stem of the shrub, when cut into thin 10cm pieces, is Nigeria's foremost

chewing stick. If like me, you don't know what that is, a chewing stick is sort of a natural

toothbrush toothpaste combination often sold by streetside hawkers. And that's exactly

how today's guest earned his entrepreneurial stripes. Selling chewing sticks on the streets

of Lagos while his father was there for work. Welcome to how to lane many two strangers

with Brendan Lagrange.

For what's one time Lagos chewing stick vendor and current founder of Lunuity, the mortgage

lender in a box for housebuilders. Welcome to the show. Now Paul, I usually ask my guest

to describe their career background for one of two reasons. One, it gives us a chance

to warm up, just you and me sort of have a little chat before we get into the real meat

of the discussion. And two, it can show how both insiders and outsides can come to a

point where they are reshaping an industry. But in your case, I'm asking you because your

background is just so interesting. And we do have a lot to cover today. So I'm not going

to let you spend the whole interview on it. But I think we probably could. So tell me,

...