Must have been around ten years now, I came up with a concept which would have ended all of this forever, for all the trades - guaranteed peace of mind for both parties in terms of the client getting a good job and the supplier knowing they'd get paid. A friend who worked high up in banking thought it was amazing and pitched it to some city investors he knew, who also thought it an amazing idea. Sadly, the devil in the detail decided that it would be a financial service product which would mean it would come under the licences and regulations of the FSA and so at which point the trail went dry because nobody was going to fork out roughly £5m in startup costs just for the admin, insurances and licenses alone, before even being able to sell the concept to the market. As they reported back to me, legally and beaurocratically it would be little different to creating a new high street bank - but they all loved the idea. It would also have made a lot of solicitors pointless, which can only be a good thing.