We operate in a free and competitive market, which is great for many reasons. The nature of competition is that it encourages players in the market to constantly lift their game, while improving the value they offer to their customers.
I haven’t got a shred of formal qualification to do what I do. Shock horror! I studied accounting and finance, with a smattering of computer programming in my first year of university (C++, Java, object-oriented theory etc), but that’s about it.