Lex you're a smart.bloke and all your guests are smart blokes but you put money ahead of ingenuity ahead of innovation..  the monetary system dictates that if there is no return on it doesn't happen ... this means.that all ideas that would benefit the existence of the human race will not happen if a billion pounds can't be made on it ... every brilliant idea in the world is scuppered by the notion of money creation .. it makes you and all your guests that talk about money not very smart .. all great ideas are based on resources not money ... the monetary system has to go for the human race to advance .. anyone who thinks contrary to that notion isn't thinking clearly