:00:23. > :00:27.This is Show Me The Money, your weekly guide to who's making the
:00:27. > :00:30.cash, how they're doing it, and what it means for the way we work.
:00:30. > :00:33.With us tonight, it's banking but not as you'd know it. Craig
:00:33. > :00:36.Donaldson is in charge of Metro Bank. Shock, horror - it's even
:00:36. > :00:41.open on a Sunday. Maggie Pagano is Business Editor at the Independent
:00:41. > :00:44.on Sunday but writes during the week too. And Fraser Doherty has
:00:44. > :00:47.been enjoying the sweet taste of success since he set up his jam
:00:47. > :00:52.making business as a teenager - he now supplies over 1,000
:00:52. > :00:57.supermarkets. Riots on the streets of Athens tonight, as MPs debate
:00:57. > :01:07.the latest package of cuts. This is the scene outside Parliament right
:01:07. > :01:10.now. Sorry, this is inside the parliament building. MPs are
:01:10. > :01:13.debating further massive cuts demanded by other European nations
:01:13. > :01:21.before they will cough up the �100 billion bail-out that was agreed
:01:21. > :01:28.with Greece last year. Outside that parliament building throughout the
:01:28. > :01:34.day, violent scenes of riots, buildings on fire and scenes of
:01:34. > :01:37.clashes between riot police and protesters. Maggie, let's get your
:01:37. > :01:41.thoughts on this first of all. It's not the first time that we've had
:01:41. > :01:46.disorder in Athens, it's not the first parliamentary debate over
:01:46. > :01:50.these cuts. What is the end game here? The week don't know. But what
:01:50. > :01:55.seems to be very dangerous is what ever happens tonight, whether they
:01:55. > :01:59.vote for the bail-out or not, this is not going to end. In a few
:01:59. > :02:02.months' time they will be renegotiating for more money.
:02:02. > :02:06.Whilst the Prime Minister and the others are warning and saying, you
:02:06. > :02:12.must vote otherwise it is disaster. Actually, it's going to be disaster
:02:12. > :02:18.either way, and it could be that a devaluation of are or should
:02:18. > :02:21.essayed a fault, it could well be the answer. Greece saying, we can't
:02:21. > :02:26.afford to pay you back. absolutely. It doesn't have to be
:02:26. > :02:30.forever. They could rejoin us in five years' time. That might be a
:02:30. > :02:36.more attractive option to some of the protesters we see on the scene
:02:36. > :02:40.now. This is early in Athens, where protesters threw rocks and lumps of
:02:40. > :02:46.marble and petrol bombs at the police. The riot police responded
:02:46. > :02:50.by firing tear-gas, before they eventually cleared the square in
:02:50. > :02:55.front of the parliament. The disturbances continued in other
:02:55. > :03:00.streets in central Athens. Those people are furious. They feel this
:03:00. > :03:04.has been imposed on them, this austerity has been imposed on them
:03:04. > :03:08.by their own government, by financial leaders in places like
:03:08. > :03:12.Germany and they have had enough. They are furious and confused.
:03:12. > :03:16.Already 20 % of the population are unemployed. Wages have already been
:03:16. > :03:19.cut and they are now going to be asked to take more medicine.
:03:19. > :03:23.Meanwhile, the politicians have been taking their own money for
:03:23. > :03:28.years, they know that there is huge corruption and quite right be you
:03:28. > :03:34.can understand they are angry. Craig Donaldson, it is a banking
:03:34. > :03:37.crisis which has been after -- the trigger for these events for the
:03:37. > :03:44.unrest in Athens, for the financial catastrophe in Europe and the
:03:44. > :03:48.United States. What does the banking industry make of this?
:03:48. > :03:52.be honest, I don't think it's about the banking industry. To me, it's
:03:52. > :03:55.about what commercial customers are making of this. They want to have a
:03:55. > :04:00.resolution and one to know the way forward. Because they can't plan
:04:00. > :04:04.with what is going on. Is it going Daborn, isn't it going to happen?
:04:04. > :04:08.Even if it doesn't happen, is it going to happen in the future? They
:04:08. > :04:12.need certainty for the future so they can plan for it and move on.
:04:12. > :04:17.While Athens Burns, while the debate continues in Greece, while
:04:17. > :04:22.there is financial uncertainty across Europe, here in this country
:04:22. > :04:28.the possibility of another recession holds back confidence in
:04:28. > :04:32.Britain. It worsens. It does. People are thinking, where do I go,
:04:32. > :04:36.what do I do? Until they have clarity, and that is what is needed
:04:36. > :04:43.for Greece, they won't invest the money they are sitting on.
:04:43. > :04:46.wondering how far down the business community this percolates. Does the
:04:46. > :04:51.uncertainty in Greece reached your business, does it make you think
:04:51. > :04:57.twice about expanding in Europe or recruiting new people because of
:04:57. > :05:02.that drop in confidence? I wouldn't say so. For me, it is a tragedy. My
:05:02. > :05:05.heart goes out to the Greek people for the suffering they are having
:05:05. > :05:09.to go through. But definitely you worry about the future of Europe,
:05:09. > :05:15.the euro. We sell a lot of our products in European countries. We
:05:15. > :05:18.hope it can be resolved. We hear this from entrepreneurs and they
:05:18. > :05:21.say he's actually, they are so busy just keeping there is this going
:05:21. > :05:24.from day to day, they have to keep their heads down and just carry on
:05:24. > :05:30.running the business and let everything else effectively washed
:05:30. > :05:34.over them. Absolutely, yes. The it does affect the banks. The banks
:05:34. > :05:38.are not lending to each other and that is part of the paralysis.
:05:38. > :05:42.will keep you up-to-date with events in Athens tonight. We will
:05:42. > :05:52.bring you back there as soon as there is more to report. For now,
:05:52. > :05:56.we take a look at Bowmore bust. -- boom or bust. It's something that
:05:56. > :05:58.keeps zoo keepers awake at night. What do you do if your rhino
:05:59. > :06:01.escapes? This zoo in Tokyo is preparing for such an event with
:06:02. > :06:05.this fake rhino escape exercise. They didn't want to risk it with
:06:05. > :06:08.the real thing, so two workers dressed up as the rhino.
:06:08. > :06:11.Unfortunately it meant one of them had to be subdued with a rather
:06:11. > :06:18.large tranquiliser dart. As you'll know, all rhino are specially
:06:18. > :06:22.trained to stand still when a net is put over them. Exercise. It's
:06:22. > :06:27.never too early to start. This is a baby playing ping-pong. Jamie is 18
:06:27. > :06:36.months-old. His dad is already a table tennis pro. And he's not at
:06:37. > :06:41.all pushy in wanting his son to follow in his footsteps. A cat in a
:06:41. > :06:45.hat or a dog in a dress. Clothing for pets is big business. We spend
:06:45. > :06:54.over �30 million on it a year and that will rise to �35 million by
:06:54. > :07:04.2015. It covers everything from the deeply unfashionable functional
:07:04. > :07:09.
:07:09. > :07:15.coats through to fancy dress items Good luck trying to get a week on
:07:15. > :07:19.to any cat I've come across! Let's start with the rhino. The business
:07:19. > :07:23.model is you have to be prepared for pretty much everything.
:07:23. > :07:27.Absolutely. For me, that's about your culture. You've got to know
:07:27. > :07:31.things will go wrong and can go wrong, and you've got to be ready
:07:31. > :07:36.to react and be proactive. What is the most ludicrous thing that you
:07:36. > :07:41.have prepared for in your scenario planning? With the petrol crisis we
:07:41. > :07:45.had several years ago, trying to get people in... I'm not sure it is
:07:46. > :07:50.ludicrous, but we've had been sent to London, you get used to dealing
:07:50. > :07:53.with a lot of testing for bombs. serious issue for pretty much any
:07:53. > :07:57.business. The news from the courts over the last fortnight demonstrate
:07:57. > :08:01.that all businesses need to be on their guard. For all this
:08:02. > :08:05.preparation, the banking industry didn't spot the crisis coming.
:08:05. > :08:08.think some people did, some people didn't. There were a lot of people
:08:08. > :08:12.in hindsight who wishes they'd spoken earlier. I think that's true
:08:12. > :08:16.of most things. Not just confined to the banking industry either.
:08:16. > :08:22.Many in the media world wished they had spotted it before it arrived as
:08:22. > :08:28.well. Next Talk About the Baby tennis player. You seemed to be
:08:28. > :08:34.enjoying that. Is it ever too young to start developing your skills in
:08:34. > :08:38.life? No, definitely. I started my business at 14. That was inspired
:08:38. > :08:42.by my grandmother. She wasn't quite as pushy as the parent in that
:08:42. > :08:46.video, but she shared her love of making jam with me and I decided to
:08:46. > :08:50.start making it myself as a hobby. Eventually it became a career.
:08:50. > :08:53.the time it was a family bonding movement, it wasn't in the back of
:08:53. > :08:57.your mind immediately that it would be the way you would earn your
:08:58. > :09:03.money in the future. No, as a kid you would never imagine that an
:09:03. > :09:06.afternoon spent making jam with your gran would lead to a career.
:09:06. > :09:10.When was the thunderbolt moment when you realised you could make a
:09:10. > :09:15.decent business out of it? I had the idea to try to make jam 100 %
:09:15. > :09:20.from roots, without adding sugar. I had the opportunity to pitch my
:09:20. > :09:23.idea to one of the big supermarkets and meet the Byers, the X Factor of
:09:23. > :09:27.selling groceries to supermarkets. Hundreds of people show up. I got
:09:28. > :09:31.the chance to pit my idea. That was my big break. When they told me I
:09:31. > :09:35.had a great idea, that was when I believed I could hopefully make it
:09:35. > :09:40.my career. Unless you've been in your position and you'd dealt with
:09:40. > :09:42.the supermarkets, you don't really know that this happens. How does it
:09:42. > :09:46.work? The supermarkets get in touch with people that might be able to
:09:46. > :09:50.supply them, or do you spend years ringing them up and sending them
:09:50. > :09:54.begging e-mails and some day they graciously relent and invite you to
:09:54. > :10:00.come along? I can't speak highly enough about Waitrose. I of course
:10:00. > :10:03.not, they are buying your product! They were willing to here an idea
:10:03. > :10:07.from a 17-year-old Tade. That's probably a story that people don't
:10:07. > :10:11.imagine would come about from a supermarket. They were very
:10:11. > :10:16.supportive. A lot of people get their break supplying supermarkets.
:10:16. > :10:21.I was lucky enough to get it. Maggie, we hear so much criticism
:10:21. > :10:24.of the younger generation today. They are lazy, they don't want to
:10:25. > :10:31.work, they haven't got the skills. Here is a nice antidote. It's a
:10:31. > :10:34.fantastic story, great credit to you. By showing Fraser as an
:10:34. > :10:38.example, I thought what you said about earlier on about having no
:10:38. > :10:46.fear. You can't take no for an answer. All the great entrepreneurs
:10:46. > :10:52.I have met who are people who are driven. And often with parents who
:10:52. > :11:01.lent them money or support. I think they say people who support
:11:01. > :11:07.business - friends, foes and families. That is unbelievably
:11:07. > :11:11.important. The cat in hat and the dog in the dress. Of course we are
:11:11. > :11:14.dotty about animals in this country. It does show. You can spot the
:11:14. > :11:19.market and make money out of it however ludicrous it seems. I would
:11:19. > :11:25.hope there's a ceiling for that market! Do you look at the cats and
:11:25. > :11:29.think, I wish I'd got into that? People buy the craziest things
:11:29. > :11:34.sometimes. Your business, you are not about pandering to pet owners.
:11:34. > :11:38.You give free biscuits, free water to dogs. Water voles and biscuits,
:11:38. > :11:42.but that's about customers being welcome. You can bring your Dobbin
:11:42. > :11:46.because they want to look after the customers, so why wouldn't we look
:11:46. > :11:52.after their dog or cat? We've even had a rabbit brought into the store.
:11:52. > :11:57.It takes all sorts. They have to be segregated if you are going to have
:11:57. > :12:00.a mini The Nar Cherie in the bank. To be honest, no. But that is the
:12:00. > :12:05.disaster recovery you were talking about earlier. We make sure we have
:12:05. > :12:13.the dog cleaning up its. Let's talk about Metro bank. The thing about
:12:13. > :12:17.the dogs and cats, there are other things you've done. It -- you are
:12:17. > :12:20.open on Sunday. It will come as a revelation that banks want to do
:12:20. > :12:25.business on those days. Your background is in the banking
:12:25. > :12:31.industry. You worked with the old banks - Barclays, HSBC, RBS. Why
:12:31. > :12:34.are those ideas not tried out in those traditional banks? Something
:12:34. > :12:38.you were saying about Fraser early on, you've got to be willing to do
:12:38. > :12:42.this, you've got to believe in what you want to do and do it. They
:12:42. > :12:46.don't. They believe the only way they can be profitable is to cut
:12:46. > :12:50.costs. Lay people off. It is not true. Offering service and
:12:50. > :12:54.convenience, giving customers what they want, great value, is what you
:12:54. > :12:58.need to do. But you remember the time when banks were getting rid of
:12:58. > :13:02.the bank manager in the branch and replacing them with a call centre
:13:02. > :13:06.somewhere. It was sold as better customer service. You were dealing
:13:06. > :13:10.with dedicated people who had a better grasp of your finances and
:13:10. > :13:13.the world of finance than some old duffer in an office. I don't
:13:13. > :13:18.believe we have the old duffers, but I do believe people want to
:13:18. > :13:22.talk to real people. Whether that is on the phone, face-to-face in
:13:22. > :13:26.store, people should have the choice. What we offer is seven days
:13:26. > :13:30.a week, 24/7, people have a choice to talk to somebody. Do you think
:13:30. > :13:35.it was a mistake for the bank to have dislocated itself from its
:13:35. > :13:39.customers in that way? Yes, and I'm not sure it's changing apart from
:13:39. > :13:43.people like us saying, we are seven-days-a-week, we want to see
:13:43. > :13:46.customers and support them. many customers as an organisation
:13:46. > :13:51.like yours me to get before the other big banks on the High Street
:13:51. > :13:55.Notice and change their ways? not sure they can. They have got
:13:55. > :13:59.legacy culture, platform, technology and premises. What we
:13:59. > :14:02.have got our people who want to serve customers. We've got
:14:02. > :14:06.technology to support them and great locations so it's easy for
:14:06. > :14:11.customers to get to us. If banks are in the news, it's often in
:14:11. > :14:16.connection with the word bonus. Do you think bankers have become hate
:14:16. > :14:20.figures? No. I think somehow, I think most customers and most
:14:20. > :14:24.people understand that the vast majority of people who work for
:14:24. > :14:27.banks, the person you see as you put money across the counter, they
:14:28. > :14:32.are they're trying to do a good job. We get a lot of texts from people
:14:32. > :14:36.who work in bank branches to save not to tar them with the same brush.
:14:36. > :14:40.It is very difficult when you have someone like Bob Diamond getting �3
:14:40. > :14:45.million in bonus. Do you think he deserves it? I don't know what he
:14:45. > :14:48.does day-by-day and Vedova what is top its work. To me, that's about
:14:48. > :14:52.do we trust the corporate governance? Do we believe that
:14:52. > :14:56.Barclays have the right corporate governance in place? We've all been
:14:56. > :14:59.reading about it. There is strong corporate governance that has been
:14:59. > :15:03.played out, challenging whether the chief executive of the board should
:15:03. > :15:08.be paid that much money. Does Barclays have that? I don't know.
:15:08. > :15:14.Do you think that Bob Diamond embarrasses the rest of the banking
:15:14. > :15:18.industry? I don't know if he embarrasses it. Do you feel
:15:18. > :15:22.embarrassed by it? No, because I'm proud of what I do so I don't think
:15:22. > :15:26.about Bob Diamond or Barclays. I'm trying to do something that I
:15:26. > :15:30.believe in and I'm proud of. We are creating jobs, winning customers
:15:30. > :15:35.and are out there as a traditional bank, getting customers to love us
:15:35. > :15:40.and want to be with us. Why would I want to think about Bob Diamond?
:15:40. > :15:43.We've created 400 jobs in the last 18 months. We will create another
:15:43. > :15:53.300 and will be over 1000 by the end of next year. Why would I want
:15:53. > :15:57.We always like to hear about businesses which are expanding and
:15:57. > :16:02.creating jobs in these difficult times. When you say you are looking
:16:02. > :16:09.for people, what type of people are you looking for? What are the
:16:09. > :16:13.attributes they have to have? absolutely wants a happy attitude.
:16:13. > :16:18.We want people to smile. When a customer walks through the door, I
:16:18. > :16:23.want people to want to get up and say, how can I help you? It is not
:16:23. > :16:27.about the skills, it is the attitude. So many bosses say this.
:16:27. > :16:31.The skills which we are all told to make our central on the CV are not
:16:31. > :16:36.the things you look at at all? want people to be bright and hard-
:16:36. > :16:41.working but most of all I want people who want to do the job. We
:16:41. > :16:46.are a growing. People who join us who want careers, they will work
:16:46. > :16:51.harder to do the right thing to get back Korea. How do you assess that?
:16:51. > :16:54.The CV gets sent in, then you have a telephone interview, a panel
:16:54. > :16:58.interview and then you would either be in or not. You want to make sure
:16:58. > :17:03.you do not recruit the wrong person because it is difficult to get rid
:17:03. > :17:07.of them? If you have a strong culture, people select themselves
:17:07. > :17:13.out. We have a lot of people who say, good luck with what you're
:17:13. > :17:16.doing, it is not for us. Week interviewed 1,000 people. It is
:17:16. > :17:22.important that you invest, recruit the right people and then trained
:17:22. > :17:27.them to do the job. Thank you. We will talk more about that later
:17:27. > :17:30.but I want to take you back to Athens. The debate is continuing in
:17:30. > :17:34.the Greek parliament tonight. They are debating about the package of
:17:34. > :17:41.cuts which have been demanded of Greece by the European nations that
:17:41. > :17:44.are providing the second bail-out for Greece. This is the �100
:17:44. > :17:49.billion bail-out that was promised back in October last year. The
:17:49. > :17:57.funding has yet to be released. Greece needs that money as a result
:17:57. > :18:01.of some urgency. It has some substantial debts coming due for
:18:01. > :18:05.payment on 20th March. Just a month away. As you well know, if you
:18:05. > :18:08.follow these events closely, the way it works is that nations like
:18:08. > :18:13.grease are borrowing the money all the time so they can have the cash
:18:13. > :18:16.to pay back the old debts as they become due. Greece cannot borrow in
:18:16. > :18:21.the traditional way from the money markets because the rate of
:18:21. > :18:26.interest that is being charged there is pretty -- prohibitively
:18:26. > :18:30.above what national governments can afford, hence the need for a bail-
:18:30. > :18:35.out from other European nations. That debate is continuing as I talk
:18:35. > :18:39.to. We are expecting the result in an hour or so but the timings are
:18:39. > :18:43.somewhat fluid and we will keep you up-to-date throughout the night
:18:43. > :18:46.here on BBC News. To stop everyone whingeing about
:18:46. > :18:56.the big fat bonuses, the banks promised to lend more money to
:18:56. > :18:59.business. Look how that turned out. The banks did not cough up. Maggie,
:18:59. > :19:03.it sounds like a billion pound is not a lot between friends, but
:19:03. > :19:07.these targets in the mind of small businesses are worse than useless
:19:07. > :19:12.because it was not the money that the banks handed over, it was the
:19:12. > :19:18.money that the banks handed -- said here is our lovely table of loans,
:19:18. > :19:22.if you give us your first-born, you can have it. Absolutely. One of the
:19:22. > :19:27.first banks which was caught out was a RBS. Going back to what we
:19:27. > :19:30.said earlier on, the banks are not going to start lending again until
:19:30. > :19:35.all of them feel comfortable with each other and that takes us back
:19:35. > :19:39.to Greece. We need transparency. People do not know what the balance
:19:39. > :19:44.sheets look like. Most of the money is sitting in the ECB being stored.
:19:44. > :19:50.We almost have a mini credit crunch follow their game. That is the real
:19:50. > :19:53.danger. That is the real danger. Fraser, you were in a luxurious
:19:53. > :20:03.position in that you did not borrow money from the banks when you set
:20:03. > :20:03.
:20:03. > :20:07.up the business. I am curious as to how you managed to do that. Had he
:20:07. > :20:11.simply run a tight organisation or have used alternative sources of
:20:11. > :20:15.funding? I guess my its story shows it is possible to start a business
:20:15. > :20:19.without having to borrow money. I was able to grow the business
:20:19. > :20:23.organically by reinvesting the profits are made. I was also able
:20:23. > :20:28.to convince suppliers and the factory that makes our jam to
:20:28. > :20:32.believe in my idea and that I did not need to build a factory. They
:20:32. > :20:36.put up working capital for jars and labels. Thankfully, I was able to
:20:36. > :20:41.get my idea of the ground without having to convince a bank or
:20:41. > :20:45.investor. If you had had to borrow from the Bank, if your suppliers
:20:45. > :20:53.had not been so foresight full in their approach, with the business
:20:53. > :20:56.be as big as it is today? I was pretty young. I was only 16 or 17
:20:56. > :21:02.so I would not have been able to borrow from a bank but I was
:21:02. > :21:06.supported by the Prince's Trust. They lent me �5,000. When the banks
:21:06. > :21:10.are paralysed, we need other sources of financing. We are seeing
:21:10. > :21:16.credit unions, new rivals like Metro bank coming into the business.
:21:16. > :21:21.Supply will always meet the demand. It is a bit same old, same old
:21:21. > :21:27.because you have some magazines from the 17th century, are they?
:21:27. > :21:34.Not quite! The 20th century. They are talking about, we are banks, we
:21:34. > :21:39.are ready to lend. This is Nat West, 1983. We are looking for small
:21:39. > :21:43.businesses looking for money. Can you imagine that happening today?
:21:43. > :21:47.You know when you have done financial journalism all this time,
:21:47. > :21:55.what goes around comes around. When you are looking for a new job,
:21:55. > :22:03.it is vitally important to stand out from the crowd.
:22:03. > :22:07.Hello, BBC business. You may love your job. But if you
:22:07. > :22:12.are looking for a new challenge, there is plenty of help around.
:22:12. > :22:20.Korea coach Corinne Mills has some tips for knocking your CV into
:22:21. > :22:26.shape -- carrier coach. Most CDs get rejected because they are not a
:22:26. > :22:30.good fit. If you are a candidate, think about what it is that you
:22:30. > :22:34.want, what you have in terms of your skills and experience, what
:22:34. > :22:41.your options are and then go for roles which Gary good fit. If they
:22:41. > :22:46.are not, you're wasting your time. When you are writing a CV, how
:22:46. > :22:51.relevant should you make it to the particular job? Relevance is
:22:51. > :22:55.everything in terms of a CV. They do not want to know your whole life
:22:55. > :23:00.history, they do not want to know about the kitchen sink or you
:23:00. > :23:04.changed a plug in 1988. That is not important. They will want to know
:23:04. > :23:09.about a technical skills, capabilities and experience that
:23:09. > :23:19.are relevant for the job you are hiring four. Tell them about that,
:23:19. > :23:22.
:23:22. > :23:25.ignore the other stuff! How to make your CV stand out? UPS -- employers
:23:25. > :23:31.want the staff. They want someone who will be an asset, not a
:23:31. > :23:34.jobsworth. As much as you can, talk about your achievements, how you
:23:34. > :23:39.improved efficiency, increased profit or solved a problem. You
:23:39. > :23:44.need to really show you can make a contribution to that organisation.
:23:44. > :23:51.Not just the do the minimum that is required. To people tend to
:23:51. > :23:55.undersell themselves, do you think? I think people are massively modest.
:23:55. > :24:00.This is the time to blaring out with a trumpet your achievements
:24:00. > :24:06.and what a great candidate you are. If you don't have confidence in
:24:06. > :24:13.yourself and your ability to do the job, why should they? How fancy
:24:13. > :24:19.should you make your CV? You start off with your name at the top. Not
:24:19. > :24:24.curriculum vitae, don't put that at the top. Contact details, so it is
:24:24. > :24:30.easy for people to get hold of you. The next thing that is really
:24:30. > :24:35.important is your profile. What you want is two or three sentences
:24:35. > :24:40.which proved why you are a great person to hire for this job. Your
:24:40. > :24:44.money advert, that is what we are looking at. The next thing that we
:24:44. > :24:49.need to do is proved. Let's give the more the evidence why you are a
:24:49. > :24:54.good person to hire. That could be your career history so you could
:24:54. > :25:00.put that down next. That would be ideal if the job you had just been
:25:00. > :25:06.doing is similar to the one you are applying for. Otherwise, you can
:25:06. > :25:11.use this heading which is relevant experience. If he is a heading like
:25:11. > :25:15.fat, you can draw from all the different things throughout your
:25:15. > :25:23.career that are relevant to the job you are applying for. It gives you
:25:23. > :25:29.more flexibility. Spell-check will not always do it. Sometimes you
:25:29. > :25:33.have words which are perfectly fine. You need to print it off so it is
:25:33. > :25:37.easier to printed off and look for errors. Get somebody else to check
:25:37. > :25:42.it for you because the areas you have missed, somebody else will
:25:42. > :25:47.spot in an instant. Double-check, triple check, those are the