It has been a fascinating journey so far, starting with consumer research and market analysis, developing propositions, more consumer research and testing, brand development, technology build, convincing money men to put up the considerable funding required, briefing opinion formers, regulators and the media and finally after lots and lots of effort we have got there.
Tomorrow (Thursday) we are announcing our new service, Noddle that will have a big impact on our market and will tilt the balance firmly in favour of the consumer. I am a huge believer that individuals should gain more and more access to their own personal data, wherever it is held, and should be able to leverage that information to their own advantage. You will see me getting more active and vocal about that.
If you are wondering why Noddle, it's because we went down the path of exploring how you as a consumer can use your credit report in a positive way to your advantage. Be smart. Use your head. Use your noddle.
(If you think it should be "use your noodle" you are probably a southern softy. Up North, my colleagues tell me, the correct phrase is Use Your Noddle).
I am really proud and excited. Those of you who have started new ventures know that there is nothing like the moment when you create something new, step out into the world and say "here we are".
Well, here we are.