“I come from a background where people have had their own business, where it has been incredibly tough for a long period of time, and you are only as good as the last contract you have got, as the last job you have done, where the notion of a precarious existence does exist, as it does for a lot of people. I have watched it, I have been there, to me it is reality. I have always said, there but for the grace of God go I, and that’s what we do with benefits, we provide a service and support.”