James, you are one of the most influential people in global finance, and now you are stepping

down after 14 very successful years.

And it's an honor to be here with you.

And now that you're stepping down, you can tell us what you really, really think.

Well, let's see how we do.

Now, I'm starting with the beginning, you grew up in Melbourne, you were kind of the opposite of a lone, only child.

You grew up at the beginning with 11 siblings. What did that do to you?

Well, we had, I really grew up with nine.

Two died early as young children.

So my mother had 12 children, but I really had nine.

I think it teaches you everybody has some deficits and everybody has some special things to give.

And it's a very normalizing environment.

You can't be too egotistical or you get pushed down by your siblings.

You find that there are others who are very good at certain things that you're not good

at and vice versa.

It's just, it's a very humbling

environment, a very warm environment. Were you in the middle or which number? I was in the

exactly in the middle. I was number six of ten. It kind of helped your diplomatic skills, I guess.

Yeah, I think you're sort of the youngest of the first half of the family and I was the mini dad of

the second half. So you get to do a youngest of the first half of the family and I was the mini dad of the second

half. So you get to do a bit of leadership stuff. Now before you went into banking, you spent some time

at Columbia and McKinsey and so on. Some people say that in McKinsey they hire insecure

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