Episode 62 Show Me the Money


Episode 62

Similar Content

Browse content similar to Episode 62. Check below for episodes and series from the same categories and more!

Transcript


LineFromTo

This is Show Me The Money, your weekly guide to who's making the

:00:23.:00:27.

cash, how they're doing it, and what it means for the way we work.

:00:27.:00:30.

With us tonight, it's banking but not as you'd know it. Craig

:00:30.:00:33.

Donaldson is in charge of Metro Bank. Shock, horror - it's even

:00:33.:00:36.

open on a Sunday. Maggie Pagano is Business Editor at the Independent

:00:36.:00:41.

on Sunday but writes during the week too. And Fraser Doherty has

:00:41.:00:44.

been enjoying the sweet taste of success since he set up his jam

:00:44.:00:47.

making business as a teenager - he now supplies over 1,000

:00:47.:00:52.

supermarkets. Riots on the streets of Athens tonight, as MPs debate

:00:52.:00:57.

the latest package of cuts. This is the scene outside Parliament right

:00:57.:01:07.

now. Sorry, this is inside the parliament building. MPs are

:01:07.:01:10.

debating further massive cuts demanded by other European nations

:01:10.:01:13.

before they will cough up the �100 billion bail-out that was agreed

:01:13.:01:21.

with Greece last year. Outside that parliament building throughout the

:01:21.:01:28.

day, violent scenes of riots, buildings on fire and scenes of

:01:28.:01:34.

clashes between riot police and protesters. Maggie, let's get your

:01:34.:01:37.

thoughts on this first of all. It's not the first time that we've had

:01:37.:01:41.

disorder in Athens, it's not the first parliamentary debate over

:01:41.:01:46.

these cuts. What is the end game here? The week don't know. But what

:01:46.:01:50.

seems to be very dangerous is what ever happens tonight, whether they

:01:50.:01:55.

vote for the bail-out or not, this is not going to end. In a few

:01:55.:01:59.

months' time they will be renegotiating for more money.

:01:59.:02:02.

Whilst the Prime Minister and the others are warning and saying, you

:02:02.:02:06.

must vote otherwise it is disaster. Actually, it's going to be disaster

:02:06.:02:12.

either way, and it could be that a devaluation of are or should

:02:12.:02:18.

essayed a fault, it could well be the answer. Greece saying, we can't

:02:18.:02:21.

afford to pay you back. absolutely. It doesn't have to be

:02:21.:02:26.

forever. They could rejoin us in five years' time. That might be a

:02:26.:02:30.

more attractive option to some of the protesters we see on the scene

:02:30.:02:36.

now. This is early in Athens, where protesters threw rocks and lumps of

:02:36.:02:40.

marble and petrol bombs at the police. The riot police responded

:02:40.:02:46.

by firing tear-gas, before they eventually cleared the square in

:02:46.:02:50.

front of the parliament. The disturbances continued in other

:02:50.:02:55.

streets in central Athens. Those people are furious. They feel this

:02:55.:03:00.

has been imposed on them, this austerity has been imposed on them

:03:00.:03:04.

by their own government, by financial leaders in places like

:03:04.:03:08.

Germany and they have had enough. They are furious and confused.

:03:08.:03:12.

Already 20 % of the population are unemployed. Wages have already been

:03:12.:03:16.

cut and they are now going to be asked to take more medicine.

:03:16.:03:19.

Meanwhile, the politicians have been taking their own money for

:03:19.:03:23.

years, they know that there is huge corruption and quite right be you

:03:23.:03:28.

can understand they are angry. Craig Donaldson, it is a banking

:03:28.:03:34.

crisis which has been after -- the trigger for these events for the

:03:34.:03:37.

unrest in Athens, for the financial catastrophe in Europe and the

:03:37.:03:44.

United States. What does the banking industry make of this?

:03:44.:03:48.

be honest, I don't think it's about the banking industry. To me, it's

:03:48.:03:52.

about what commercial customers are making of this. They want to have a

:03:52.:03:55.

resolution and one to know the way forward. Because they can't plan

:03:55.:04:00.

with what is going on. Is it going Daborn, isn't it going to happen?

:04:00.:04:04.

Even if it doesn't happen, is it going to happen in the future? They

:04:04.:04:08.

need certainty for the future so they can plan for it and move on.

:04:08.:04:12.

While Athens Burns, while the debate continues in Greece, while

:04:12.:04:17.

there is financial uncertainty across Europe, here in this country

:04:17.:04:22.

the possibility of another recession holds back confidence in

:04:22.:04:28.

Britain. It worsens. It does. People are thinking, where do I go,

:04:28.:04:32.

what do I do? Until they have clarity, and that is what is needed

:04:32.:04:36.

for Greece, they won't invest the money they are sitting on.

:04:36.:04:43.

wondering how far down the business community this percolates. Does the

:04:43.:04:46.

uncertainty in Greece reached your business, does it make you think

:04:46.:04:51.

twice about expanding in Europe or recruiting new people because of

:04:51.:04:57.

that drop in confidence? I wouldn't say so. For me, it is a tragedy. My

:04:57.:05:02.

heart goes out to the Greek people for the suffering they are having

:05:02.:05:05.

to go through. But definitely you worry about the future of Europe,

:05:05.:05:09.

the euro. We sell a lot of our products in European countries. We

:05:09.:05:15.

hope it can be resolved. We hear this from entrepreneurs and they

:05:15.:05:18.

say he's actually, they are so busy just keeping there is this going

:05:18.:05:21.

from day to day, they have to keep their heads down and just carry on

:05:21.:05:24.

running the business and let everything else effectively washed

:05:24.:05:30.

over them. Absolutely, yes. The it does affect the banks. The banks

:05:30.:05:34.

are not lending to each other and that is part of the paralysis.

:05:34.:05:38.

will keep you up-to-date with events in Athens tonight. We will

:05:38.:05:42.

bring you back there as soon as there is more to report. For now,

:05:42.:05:52.

we take a look at Bowmore bust. -- boom or bust. It's something that

:05:52.:05:56.

keeps zoo keepers awake at night. What do you do if your rhino

:05:56.:05:58.

escapes? This zoo in Tokyo is preparing for such an event with

:05:59.:06:01.

this fake rhino escape exercise. They didn't want to risk it with

:06:02.:06:05.

the real thing, so two workers dressed up as the rhino.

:06:05.:06:08.

Unfortunately it meant one of them had to be subdued with a rather

:06:08.:06:11.

large tranquiliser dart. As you'll know, all rhino are specially

:06:11.:06:18.

trained to stand still when a net is put over them. Exercise. It's

:06:18.:06:22.

never too early to start. This is a baby playing ping-pong. Jamie is 18

:06:22.:06:27.

months-old. His dad is already a table tennis pro. And he's not at

:06:27.:06:36.

all pushy in wanting his son to follow in his footsteps. A cat in a

:06:37.:06:41.

hat or a dog in a dress. Clothing for pets is big business. We spend

:06:41.:06:45.

over �30 million on it a year and that will rise to �35 million by

:06:45.:06:54.

2015. It covers everything from the deeply unfashionable functional

:06:54.:07:04.
:07:04.:07:09.

coats through to fancy dress items Good luck trying to get a week on

:07:09.:07:15.

to any cat I've come across! Let's start with the rhino. The business

:07:15.:07:19.

model is you have to be prepared for pretty much everything.

:07:19.:07:23.

Absolutely. For me, that's about your culture. You've got to know

:07:23.:07:27.

things will go wrong and can go wrong, and you've got to be ready

:07:27.:07:31.

to react and be proactive. What is the most ludicrous thing that you

:07:31.:07:36.

have prepared for in your scenario planning? With the petrol crisis we

:07:36.:07:41.

had several years ago, trying to get people in... I'm not sure it is

:07:41.:07:45.

ludicrous, but we've had been sent to London, you get used to dealing

:07:46.:07:50.

with a lot of testing for bombs. serious issue for pretty much any

:07:50.:07:53.

business. The news from the courts over the last fortnight demonstrate

:07:53.:07:57.

that all businesses need to be on their guard. For all this

:07:57.:08:01.

preparation, the banking industry didn't spot the crisis coming.

:08:02.:08:05.

think some people did, some people didn't. There were a lot of people

:08:05.:08:08.

in hindsight who wishes they'd spoken earlier. I think that's true

:08:08.:08:12.

of most things. Not just confined to the banking industry either.

:08:12.:08:16.

Many in the media world wished they had spotted it before it arrived as

:08:16.:08:22.

well. Next Talk About the Baby tennis player. You seemed to be

:08:22.:08:28.

enjoying that. Is it ever too young to start developing your skills in

:08:28.:08:34.

life? No, definitely. I started my business at 14. That was inspired

:08:34.:08:38.

by my grandmother. She wasn't quite as pushy as the parent in that

:08:38.:08:42.

video, but she shared her love of making jam with me and I decided to

:08:42.:08:46.

start making it myself as a hobby. Eventually it became a career.

:08:46.:08:50.

the time it was a family bonding movement, it wasn't in the back of

:08:50.:08:53.

your mind immediately that it would be the way you would earn your

:08:53.:08:57.

money in the future. No, as a kid you would never imagine that an

:08:58.:09:03.

afternoon spent making jam with your gran would lead to a career.

:09:03.:09:06.

When was the thunderbolt moment when you realised you could make a

:09:06.:09:10.

decent business out of it? I had the idea to try to make jam 100 %

:09:10.:09:15.

from roots, without adding sugar. I had the opportunity to pitch my

:09:15.:09:20.

idea to one of the big supermarkets and meet the Byers, the X Factor of

:09:20.:09:23.

selling groceries to supermarkets. Hundreds of people show up. I got

:09:23.:09:27.

the chance to pit my idea. That was my big break. When they told me I

:09:28.:09:31.

had a great idea, that was when I believed I could hopefully make it

:09:31.:09:35.

my career. Unless you've been in your position and you'd dealt with

:09:35.:09:40.

the supermarkets, you don't really know that this happens. How does it

:09:40.:09:42.

work? The supermarkets get in touch with people that might be able to

:09:42.:09:46.

supply them, or do you spend years ringing them up and sending them

:09:46.:09:50.

begging e-mails and some day they graciously relent and invite you to

:09:50.:09:54.

come along? I can't speak highly enough about Waitrose. I of course

:09:54.:10:00.

not, they are buying your product! They were willing to here an idea

:10:00.:10:03.

from a 17-year-old Tade. That's probably a story that people don't

:10:03.:10:07.

imagine would come about from a supermarket. They were very

:10:07.:10:11.

supportive. A lot of people get their break supplying supermarkets.

:10:11.:10:16.

I was lucky enough to get it. Maggie, we hear so much criticism

:10:16.:10:21.

of the younger generation today. They are lazy, they don't want to

:10:21.:10:24.

work, they haven't got the skills. Here is a nice antidote. It's a

:10:25.:10:31.

fantastic story, great credit to you. By showing Fraser as an

:10:31.:10:34.

example, I thought what you said about earlier on about having no

:10:34.:10:38.

fear. You can't take no for an answer. All the great entrepreneurs

:10:38.:10:46.

I have met who are people who are driven. And often with parents who

:10:46.:10:52.

lent them money or support. I think they say people who support

:10:52.:11:01.

business - friends, foes and families. That is unbelievably

:11:01.:11:07.

important. The cat in hat and the dog in the dress. Of course we are

:11:07.:11:11.

dotty about animals in this country. It does show. You can spot the

:11:11.:11:14.

market and make money out of it however ludicrous it seems. I would

:11:14.:11:19.

hope there's a ceiling for that market! Do you look at the cats and

:11:19.:11:25.

think, I wish I'd got into that? People buy the craziest things

:11:25.:11:29.

sometimes. Your business, you are not about pandering to pet owners.

:11:29.:11:34.

You give free biscuits, free water to dogs. Water voles and biscuits,

:11:34.:11:38.

but that's about customers being welcome. You can bring your Dobbin

:11:38.:11:42.

because they want to look after the customers, so why wouldn't we look

:11:42.:11:46.

after their dog or cat? We've even had a rabbit brought into the store.

:11:46.:11:52.

It takes all sorts. They have to be segregated if you are going to have

:11:52.:11:57.

a mini The Nar Cherie in the bank. To be honest, no. But that is the

:11:57.:12:00.

disaster recovery you were talking about earlier. We make sure we have

:12:00.:12:05.

the dog cleaning up its. Let's talk about Metro bank. The thing about

:12:05.:12:13.

the dogs and cats, there are other things you've done. It -- you are

:12:13.:12:17.

open on Sunday. It will come as a revelation that banks want to do

:12:17.:12:20.

business on those days. Your background is in the banking

:12:20.:12:25.

industry. You worked with the old banks - Barclays, HSBC, RBS. Why

:12:25.:12:31.

are those ideas not tried out in those traditional banks? Something

:12:31.:12:34.

you were saying about Fraser early on, you've got to be willing to do

:12:34.:12:38.

this, you've got to believe in what you want to do and do it. They

:12:38.:12:42.

don't. They believe the only way they can be profitable is to cut

:12:42.:12:46.

costs. Lay people off. It is not true. Offering service and

:12:46.:12:50.

convenience, giving customers what they want, great value, is what you

:12:50.:12:54.

need to do. But you remember the time when banks were getting rid of

:12:54.:12:58.

the bank manager in the branch and replacing them with a call centre

:12:58.:13:02.

somewhere. It was sold as better customer service. You were dealing

:13:02.:13:06.

with dedicated people who had a better grasp of your finances and

:13:06.:13:10.

the world of finance than some old duffer in an office. I don't

:13:10.:13:13.

believe we have the old duffers, but I do believe people want to

:13:13.:13:18.

talk to real people. Whether that is on the phone, face-to-face in

:13:18.:13:22.

store, people should have the choice. What we offer is seven days

:13:22.:13:26.

a week, 24/7, people have a choice to talk to somebody. Do you think

:13:26.:13:30.

it was a mistake for the bank to have dislocated itself from its

:13:30.:13:35.

customers in that way? Yes, and I'm not sure it's changing apart from

:13:35.:13:39.

people like us saying, we are seven-days-a-week, we want to see

:13:39.:13:43.

customers and support them. many customers as an organisation

:13:43.:13:46.

like yours me to get before the other big banks on the High Street

:13:46.:13:51.

Notice and change their ways? not sure they can. They have got

:13:51.:13:55.

legacy culture, platform, technology and premises. What we

:13:55.:13:59.

have got our people who want to serve customers. We've got

:13:59.:14:02.

technology to support them and great locations so it's easy for

:14:02.:14:06.

customers to get to us. If banks are in the news, it's often in

:14:06.:14:11.

connection with the word bonus. Do you think bankers have become hate

:14:11.:14:16.

figures? No. I think somehow, I think most customers and most

:14:16.:14:20.

people understand that the vast majority of people who work for

:14:20.:14:24.

banks, the person you see as you put money across the counter, they

:14:24.:14:27.

are they're trying to do a good job. We get a lot of texts from people

:14:28.:14:32.

who work in bank branches to save not to tar them with the same brush.

:14:32.:14:36.

It is very difficult when you have someone like Bob Diamond getting �3

:14:36.:14:40.

million in bonus. Do you think he deserves it? I don't know what he

:14:40.:14:45.

does day-by-day and Vedova what is top its work. To me, that's about

:14:45.:14:48.

do we trust the corporate governance? Do we believe that

:14:48.:14:52.

Barclays have the right corporate governance in place? We've all been

:14:52.:14:56.

reading about it. There is strong corporate governance that has been

:14:56.:14:59.

played out, challenging whether the chief executive of the board should

:14:59.:15:03.

be paid that much money. Does Barclays have that? I don't know.

:15:03.:15:08.

Do you think that Bob Diamond embarrasses the rest of the banking

:15:08.:15:14.

industry? I don't know if he embarrasses it. Do you feel

:15:14.:15:18.

embarrassed by it? No, because I'm proud of what I do so I don't think

:15:18.:15:22.

about Bob Diamond or Barclays. I'm trying to do something that I

:15:22.:15:26.

believe in and I'm proud of. We are creating jobs, winning customers

:15:26.:15:30.

and are out there as a traditional bank, getting customers to love us

:15:30.:15:35.

and want to be with us. Why would I want to think about Bob Diamond?

:15:35.:15:40.

We've created 400 jobs in the last 18 months. We will create another

:15:40.:15:43.

300 and will be over 1000 by the end of next year. Why would I want

:15:43.:15:53.

We always like to hear about businesses which are expanding and

:15:53.:15:57.

creating jobs in these difficult times. When you say you are looking

:15:57.:16:02.

for people, what type of people are you looking for? What are the

:16:02.:16:09.

attributes they have to have? absolutely wants a happy attitude.

:16:09.:16:13.

We want people to smile. When a customer walks through the door, I

:16:13.:16:18.

want people to want to get up and say, how can I help you? It is not

:16:18.:16:23.

about the skills, it is the attitude. So many bosses say this.

:16:23.:16:27.

The skills which we are all told to make our central on the CV are not

:16:27.:16:31.

the things you look at at all? want people to be bright and hard-

:16:31.:16:36.

working but most of all I want people who want to do the job. We

:16:36.:16:41.

are a growing. People who join us who want careers, they will work

:16:41.:16:46.

harder to do the right thing to get back Korea. How do you assess that?

:16:46.:16:51.

The CV gets sent in, then you have a telephone interview, a panel

:16:51.:16:54.

interview and then you would either be in or not. You want to make sure

:16:54.:16:58.

you do not recruit the wrong person because it is difficult to get rid

:16:58.:17:03.

of them? If you have a strong culture, people select themselves

:17:03.:17:07.

out. We have a lot of people who say, good luck with what you're

:17:07.:17:13.

doing, it is not for us. Week interviewed 1,000 people. It is

:17:13.:17:16.

important that you invest, recruit the right people and then trained

:17:16.:17:22.

them to do the job. Thank you. We will talk more about that later

:17:22.:17:27.

but I want to take you back to Athens. The debate is continuing in

:17:27.:17:30.

the Greek parliament tonight. They are debating about the package of

:17:30.:17:34.

cuts which have been demanded of Greece by the European nations that

:17:34.:17:41.

are providing the second bail-out for Greece. This is the �100

:17:41.:17:44.

billion bail-out that was promised back in October last year. The

:17:44.:17:49.

funding has yet to be released. Greece needs that money as a result

:17:49.:17:57.

of some urgency. It has some substantial debts coming due for

:17:57.:18:01.

payment on 20th March. Just a month away. As you well know, if you

:18:01.:18:05.

follow these events closely, the way it works is that nations like

:18:05.:18:08.

grease are borrowing the money all the time so they can have the cash

:18:08.:18:13.

to pay back the old debts as they become due. Greece cannot borrow in

:18:13.:18:16.

the traditional way from the money markets because the rate of

:18:16.:18:21.

interest that is being charged there is pretty -- prohibitively

:18:21.:18:26.

above what national governments can afford, hence the need for a bail-

:18:26.:18:30.

out from other European nations. That debate is continuing as I talk

:18:30.:18:35.

to. We are expecting the result in an hour or so but the timings are

:18:35.:18:39.

somewhat fluid and we will keep you up-to-date throughout the night

:18:39.:18:43.

here on BBC News. To stop everyone whingeing about

:18:43.:18:46.

the big fat bonuses, the banks promised to lend more money to

:18:46.:18:56.

business. Look how that turned out. The banks did not cough up. Maggie,

:18:56.:18:59.

it sounds like a billion pound is not a lot between friends, but

:18:59.:19:03.

these targets in the mind of small businesses are worse than useless

:19:03.:19:07.

because it was not the money that the banks handed over, it was the

:19:07.:19:12.

money that the banks handed -- said here is our lovely table of loans,

:19:12.:19:18.

if you give us your first-born, you can have it. Absolutely. One of the

:19:18.:19:22.

first banks which was caught out was a RBS. Going back to what we

:19:22.:19:27.

said earlier on, the banks are not going to start lending again until

:19:27.:19:30.

all of them feel comfortable with each other and that takes us back

:19:30.:19:35.

to Greece. We need transparency. People do not know what the balance

:19:35.:19:39.

sheets look like. Most of the money is sitting in the ECB being stored.

:19:39.:19:44.

We almost have a mini credit crunch follow their game. That is the real

:19:44.:19:50.

danger. That is the real danger. Fraser, you were in a luxurious

:19:50.:19:53.

position in that you did not borrow money from the banks when you set

:19:53.:20:03.
:20:03.:20:03.

up the business. I am curious as to how you managed to do that. Had he

:20:03.:20:07.

simply run a tight organisation or have used alternative sources of

:20:07.:20:11.

funding? I guess my its story shows it is possible to start a business

:20:11.:20:15.

without having to borrow money. I was able to grow the business

:20:15.:20:19.

organically by reinvesting the profits are made. I was also able

:20:19.:20:23.

to convince suppliers and the factory that makes our jam to

:20:23.:20:28.

believe in my idea and that I did not need to build a factory. They

:20:28.:20:32.

put up working capital for jars and labels. Thankfully, I was able to

:20:32.:20:36.

get my idea of the ground without having to convince a bank or

:20:36.:20:41.

investor. If you had had to borrow from the Bank, if your suppliers

:20:41.:20:45.

had not been so foresight full in their approach, with the business

:20:45.:20:53.

be as big as it is today? I was pretty young. I was only 16 or 17

:20:53.:20:56.

so I would not have been able to borrow from a bank but I was

:20:56.:21:02.

supported by the Prince's Trust. They lent me �5,000. When the banks

:21:02.:21:06.

are paralysed, we need other sources of financing. We are seeing

:21:06.:21:10.

credit unions, new rivals like Metro bank coming into the business.

:21:10.:21:16.

Supply will always meet the demand. It is a bit same old, same old

:21:16.:21:21.

because you have some magazines from the 17th century, are they?

:21:21.:21:27.

Not quite! The 20th century. They are talking about, we are banks, we

:21:27.:21:34.

are ready to lend. This is Nat West, 1983. We are looking for small

:21:34.:21:39.

businesses looking for money. Can you imagine that happening today?

:21:39.:21:43.

You know when you have done financial journalism all this time,

:21:43.:21:47.

what goes around comes around. When you are looking for a new job,

:21:47.:21:55.

it is vitally important to stand out from the crowd.

:21:55.:22:03.

Hello, BBC business. You may love your job. But if you

:22:03.:22:07.

are looking for a new challenge, there is plenty of help around.

:22:07.:22:12.

Korea coach Corinne Mills has some tips for knocking your CV into

:22:12.:22:20.

shape -- carrier coach. Most CDs get rejected because they are not a

:22:21.:22:26.

good fit. If you are a candidate, think about what it is that you

:22:26.:22:30.

want, what you have in terms of your skills and experience, what

:22:30.:22:34.

your options are and then go for roles which Gary good fit. If they

:22:34.:22:41.

are not, you're wasting your time. When you are writing a CV, how

:22:41.:22:46.

relevant should you make it to the particular job? Relevance is

:22:46.:22:51.

everything in terms of a CV. They do not want to know your whole life

:22:51.:22:55.

history, they do not want to know about the kitchen sink or you

:22:55.:23:00.

changed a plug in 1988. That is not important. They will want to know

:23:00.:23:04.

about a technical skills, capabilities and experience that

:23:04.:23:09.

are relevant for the job you are hiring four. Tell them about that,

:23:09.:23:19.
:23:19.:23:22.

ignore the other stuff! How to make your CV stand out? UPS -- employers

:23:22.:23:25.

want the staff. They want someone who will be an asset, not a

:23:25.:23:31.

jobsworth. As much as you can, talk about your achievements, how you

:23:31.:23:34.

improved efficiency, increased profit or solved a problem. You

:23:34.:23:39.

need to really show you can make a contribution to that organisation.

:23:39.:23:44.

Not just the do the minimum that is required. To people tend to

:23:44.:23:51.

undersell themselves, do you think? I think people are massively modest.

:23:51.:23:55.

This is the time to blaring out with a trumpet your achievements

:23:55.:24:00.

and what a great candidate you are. If you don't have confidence in

:24:00.:24:06.

yourself and your ability to do the job, why should they? How fancy

:24:06.:24:13.

should you make your CV? You start off with your name at the top. Not

:24:13.:24:19.

curriculum vitae, don't put that at the top. Contact details, so it is

:24:19.:24:24.

easy for people to get hold of you. The next thing that is really

:24:24.:24:30.

important is your profile. What you want is two or three sentences

:24:30.:24:35.

which proved why you are a great person to hire for this job. Your

:24:35.:24:40.

money advert, that is what we are looking at. The next thing that we

:24:40.:24:44.

need to do is proved. Let's give the more the evidence why you are a

:24:44.:24:49.

good person to hire. That could be your career history so you could

:24:49.:24:54.

put that down next. That would be ideal if the job you had just been

:24:54.:25:00.

doing is similar to the one you are applying for. Otherwise, you can

:25:00.:25:06.

use this heading which is relevant experience. If he is a heading like

:25:06.:25:11.

fat, you can draw from all the different things throughout your

:25:11.:25:15.

career that are relevant to the job you are applying for. It gives you

:25:15.:25:23.

more flexibility. Spell-check will not always do it. Sometimes you

:25:23.:25:29.

have words which are perfectly fine. You need to print it off so it is

:25:29.:25:33.

easier to printed off and look for errors. Get somebody else to check

:25:33.:25:37.

it for you because the areas you have missed, somebody else will

:25:37.:25:42.

spot in an instant. Double-check, triple check, those are the

:25:42.:25:47.

Download Subtitles

SRT

ASS