Lehman Brothers filed fo r bankruptcy and the run on Northern Rock started in September 2007. I joined the relatively new Leeds office of Drivers Jonas (DJ) not long afterwards with a brief to grow the residential business, but within what seemed like no time at all there was no residential business to be had. Credit had been crunched. 2008 was not a pleasant time. I remember the other Associates jostling to position themselves as specialists in whatever fields there were still fees to be had in. Somebody pitched themselves as a health sector specialist. Somebody else pitched themselves as an education sector specialist. I had dipped into PPG15 a couple of times, but was by no means a heritage specialist. Nevertheless when the sector lead needed somebody to speak at a conference in Liverpool my hand was the first to go up. I recall chatting with the other speakers before it kicked off and the conversation was dominated by the economic outlook. An older chap sought to console the you