I'm going to visit a relative in hospital today. At the beginning of January, he tripped whilst out shopping and hurt his leg. Five weeks later and his leg has been amputated above the knee.

So many times have you or others talk about doing something "because you never know what might happen tomorrow". I'm glad I'm doing something, because if something does happen tomorrow, there is only one thing worse than talking about doing something and that's not it.

"If I had..." is the sadest phrase you could ever say, so do something. Step 1, buy Against The Tide 2 the story of the Clipper 12-13 race.