By Joe Sacco and Nick Dennings, BBC Sport business editorBusiness reporterBusiness reporterJoe Sacco has been working in the business of journalism since the early 1970s.
He has written for the BBC, the Mail and the Sunday Times.
He is the author of the best-selling book The Big Short: Inside the Doomsday Bull Market, which examines the financial crisis and the impact of the housing crisis on the financial sector.
He lives in London.
Nick Denny is a freelance writer from Bristol.
They talk about money, finance and life in general on Twitter @[email protected]