After gaining a degree in Economics, Andy progressed as a leader through the hierarchy in the bookmaking industry (notably becoming the man responsible for deciding the odds for Ladbrokes at major test and county cricket matches). Following an MBA from Cranfield, he spent several years in consultancy, before starting Psychology and Finance at Work Limited - the business he now runs in partnership with his wife Jo, an Occupational Psychologist. Andy has a strong background as an educator, teaching all aspects of financial and non-financial analysis. He has designed and run a wide variety of training events from basic finance for non-financial managers to foreign exchange for managers and advanced corporate finance programmes. A substantial amount of his work has been with banks in the field of credit, teaching lenders to analyse businesses and assess risk. As part of this work he also designed and ran a range of sector analysis programmes covering construction, healthcare, retail and the licensed trade. Andy also runs the Cranfield short courses, Finance Fundamentals and Essential Management.