good afternoon everybody my name is Phil greedy and I’m the CEO of cassoulet and
greedy and I’m the CEO of cassoulet and
greedy and I’m the CEO of cassoulet and over the next three minutes a fest goes
over the next three minutes a fest goes
over the next three minutes a fest goes badly wrong for me I’ll very quickly
badly wrong for me I’ll very quickly
badly wrong for me I’ll very quickly become the ex-ceo of cassoulet so
become the ex-ceo of cassoulet so
become the ex-ceo of cassoulet so hopefully big okie and I was talking to
hopefully big okie and I was talking to
hopefully big okie and I was talking to one of my colleagues in the office other
one of my colleagues in the office other
one of my colleagues in the office other day there and he reminded me that TEDx
day there and he reminded me that TEDx
day there and he reminded me that TEDx has all the ideas worth doing and Cass
has all the ideas worth doing and Cass
has all the ideas worth doing and Cass Lake Financial has definitely been an
Lake Financial has definitely been an
Lake Financial has definitely been an idea worth doing the vision behind our
idea worth doing the vision behind our
idea worth doing the vision behind our business it can be summed up in four
business it can be summed up in four
business it can be summed up in four words it’s about a safer financial world
words it’s about a safer financial world
words it’s about a safer financial world and then the business was born from
and then the business was born from
and then the business was born from actually a child it was a it was my son
actually a child it was a it was my son
actually a child it was a it was my son who was 10 years old and we’re the
who was 10 years old and we’re the
who was 10 years old and we’re the inspiration for the business game was I
inspiration for the business game was I
inspiration for the business game was I was watching Channel 4 News with him one
was watching Channel 4 News with him one
was watching Channel 4 News with him one night and it was another financial
night and it was another financial
night and it was another financial crisis that had happened in China this
crisis that had happened in China this
crisis that had happened in China this thing thankfully not here and the
thing thankfully not here and the
thing thankfully not here and the analyst was talking about how when he
analyst was talking about how when he
analyst was talking about how when he was commenting on what went wrong he was
was commenting on what went wrong he was
was commenting on what went wrong he was talking about how the financial markets
talking about how the financial markets
talking about how the financial markets what inverted commas because of greed
what inverted commas because of greed
what inverted commas because of greed and by fear and my son come to me and
and by fear and my son come to me and
and by fear and my son come to me and says that wise I thought didn’t fear was
says that wise I thought didn’t fear was
says that wise I thought didn’t fear was a bad thing and I said well of course
a bad thing and I said well of course
a bad thing and I said well of course eyes he said well why why is that mine
eyes he said well why why is that mine
eyes he said well why why is that mine up there Boston that we didn’t fear
up there Boston that we didn’t fear
up there Boston that we didn’t fear actually drives us and it took someone
actually drives us and it took someone
actually drives us and it took someone of 10 for me to realize this is crazy
of 10 for me to realize this is crazy
of 10 for me to realize this is crazy this is absolutely nuts now and my
this is absolutely nuts now and my
this is absolutely nuts now and my career prior to setting up Castlight
career prior to setting up Castlight
career prior to setting up Castlight I worked with in the personal insolvency
I worked with in the personal insolvency
I worked with in the personal insolvency space and I saw very acutely about how
space and I saw very acutely about how
space and I saw very acutely about how that manifestation of didn’t fear and
that manifestation of didn’t fear and
that manifestation of didn’t fear and how that drove itself into financial
how that drove itself into financial
how that drove itself into financial products and how that actually ended up
products and how that actually ended up
products and how that actually ended up affecting everyday people’s lives from a
affecting everyday people’s lives from a
affecting everyday people’s lives from a financial perspective we saw people
financial perspective we saw people
financial perspective we saw people going insolvent get into bankruptcy and
going insolvent get into bankruptcy and
going insolvent get into bankruptcy and how that affected them from a health
how that affected them from a health
how that affected them from a health perspective
perspective
perspective it created health issues with people as
it created health issues with people as
it created health issues with people as well in some instances unfortunately or
well in some instances unfortunately or
well in some instances unfortunately or so people take their own life as a
so people take their own life as a
so people take their own life as a consequence of this so it made me
consequence of this so it made me
consequence of this so it made me realize that the has to be a better way
realize that the has to be a better way
realize that the has to be a better way in which financial services should be
in which financial services should be
in which financial services should be bought and financial services should be
bought and financial services should be
bought and financial services should be sold now we looked about for what that
sold now we looked about for what that
sold now we looked about for what that was and trying to find what the bait
was and trying to find what the bait
was and trying to find what the bait brake platform should be an order for
brake platform should be an order for
brake platform should be an order for that to be functioning properly and we
that to be functioning properly and we
that to be functioning properly and we couldn’t so we decided to create it
couldn’t so we decided to create it
couldn’t so we decided to create it ourselves so we created Castlight
ourselves so we created Castlight
ourselves so we created Castlight financial and what Castlight does as it
financial and what Castlight does as it
financial and what Castlight does as it takes
takes
takes we partnered with one of the largest
we partnered with one of the largest
we partnered with one of the largest credit bureaus in the world we take the
credit bureaus in the world we take the
credit bureaus in the world we take the consumers credit data we take the
consumers credit data we take the
consumers credit data we take the consumers bank data and we merge that
consumers bank data and we merge that
consumers bank data and we merge that into a secure financial platform which
into a secure financial platform which
into a secure financial platform which looks at income looks at expenditure and
looks at income looks at expenditure and
looks at income looks at expenditure and gives very granular detail on what the
gives very granular detail on what the
gives very granular detail on what the consumers disposable income is in other
consumers disposable income is in other
consumers disposable income is in other words the real affordability so what
words the real affordability so what
words the real affordability so what that a natural five does is it means we
that a natural five does is it means we
that a natural five does is it means we took that out to our to customer banks
took that out to our to customer banks
took that out to our to customer banks we took it out to the banks and we took
we took it out to the banks and we took
we took it out to the banks and we took it out to consumers no in the banks
it out to consumers no in the banks
it out to consumers no in the banks looked at this they said we took out
looked at this they said we took out
looked at this they said we took out November they said that Wow because what
November they said that Wow because what
November they said that Wow because what actually does it allows them to go into
actually does it allows them to go into
actually does it allows them to go into very granular detail as to how the
very granular detail as to how the
very granular detail as to how the consumer how much affordable possession
consumer how much affordable possession
consumer how much affordable possession the actual customer has what that means
the actual customer has what that means
the actual customer has what that means for the consumer is cheaper more bespoke
for the consumer is cheaper more bespoke
for the consumer is cheaper more bespoke pricing it means that they can make
pricing it means that they can make
pricing it means that they can make better faster decisions and it makes the
better faster decisions and it makes the
better faster decisions and it makes the place about feral as well from a
place about feral as well from a
place about feral as well from a consumers perspective mean you as an
consumers perspective mean you as an
consumers perspective mean you as an industry-wide issue around credit
industry-wide issue around credit
industry-wide issue around credit decisions which is about people with fen
decisions which is about people with fen
decisions which is about people with fen credit files as people in this audience
credit files as people in this audience
credit files as people in this audience that have got em we’ve got fantastic
that have got em we’ve got fantastic
that have got em we’ve got fantastic credit scores the problem is they can’t
credit scores the problem is they can’t
credit scores the problem is they can’t afford it and those people who have got
afford it and those people who have got
afford it and those people who have got poor credit scores but can’t afford that
poor credit scores but can’t afford that
poor credit scores but can’t afford that but what our affordability passport does
but what our affordability passport does
but what our affordability passport does is it actually takes away from that and
is it actually takes away from that and
is it actually takes away from that and we’re just purely concentrate on what
we’re just purely concentrate on what
we’re just purely concentrate on what the actual financial position is what
the actual financial position is what
the actual financial position is what that’s actually done is in one protector
that’s actually done is in one protector
that’s actually done is in one protector sect of the mortgage market because we
sect of the mortgage market because we
sect of the mortgage market because we pull all that data into a single place
pull all that data into a single place
pull all that data into a single place it meant that mortgages would normally
it meant that mortgages would normally
it meant that mortgages would normally take six weeks we are now working with
take six weeks we are now working with
take six weeks we are now working with banks that are actually reducing that to
banks that are actually reducing that to
banks that are actually reducing that to less than ten minutes to take our
less than ten minutes to take our
less than ten minutes to take our mortgage which is quite something
mortgage which is quite something
mortgage which is quite something special so what we need your help with
special so what we need your help with
special so what we need your help with today today is Glasgow is that look at
today today is Glasgow is that look at
today today is Glasgow is that look at affordability Passport we want you to
affordability Passport we want you to
affordability Passport we want you to use it we want you to go as our feedback
use it we want you to go as our feedback
use it we want you to go as our feedback on it and we want to refine that that
on it and we want to refine that that
on it and we want to refine that that Passport all the time in tell us what
Passport all the time in tell us what
Passport all the time in tell us what you think about it so that we can
you think about it so that we can
you think about it so that we can together build and create our version of
together build and create our version of
together build and create our version of a safer financial world thank you
when you’re a small child about five
when you’re a small child about five years old you’re at school
years old you’re at school
years old you’re at school it’s lunchtime just close your eyes for
it’s lunchtime just close your eyes for
it’s lunchtime just close your eyes for a moment can you remember the smiles on
a moment can you remember the smiles on
a moment can you remember the smiles on the sound just you can hear your friends
the sound just you can hear your friends
the sound just you can hear your friends laughing joking having fun but hang on a
laughing joking having fun but hang on a
laughing joking having fun but hang on a minute
minute
minute you can’t join in the fun because you’ve
you can’t join in the fun because you’ve
you can’t join in the fun because you’ve got a physical disability which means
got a physical disability which means
got a physical disability which means you can’t sit at the same table as your
you can’t sit at the same table as your
you can’t sit at the same table as your friends imagine if you had an assistive
friends imagine if you had an assistive
friends imagine if you had an assistive product some customized furniture that
product some customized furniture that
product some customized furniture that would enable you to sit with your
would enable you to sit with your
would enable you to sit with your friends would make such a difference to
friends would make such a difference to
friends would make such a difference to your life I’m a professor of
your life I’m a professor of
your life I’m a professor of rehabilitation sciences and I’ve been a
rehabilitation sciences and I’ve been a
rehabilitation sciences and I’ve been a physiotherapist for more than thirty
physiotherapist for more than thirty
physiotherapist for more than thirty years through my work with the World
years through my work with the World
years through my work with the World Health Organization I know that there’s
Health Organization I know that there’s
Health Organization I know that there’s over 1 billion people in need of
over 1 billion people in need of
over 1 billion people in need of assistive products there’s a hundred
assistive products there’s a hundred
assistive products there’s a hundred thousand people registered as disabled
thousand people registered as disabled
thousand people registered as disabled in Glasgow and it can take up to six
in Glasgow and it can take up to six
in Glasgow and it can take up to six months for these people to receive their
months for these people to receive their
months for these people to receive their assistive products but we know that
assistive products but we know that
assistive products but we know that people grow and people’s needs change
people grow and people’s needs change
people grow and people’s needs change and some people unfortunately die before
and some people unfortunately die before
and some people unfortunately die before they receive their product so when I
they receive their product so when I
they receive their product so when I went to New York and met the adaptive
went to New York and met the adaptive
went to New York and met the adaptive design Association I was completely
design Association I was completely
design Association I was completely blown away by the fact that for more
blown away by the fact that for more
blown away by the fact that for more than 15 years they’ve been creating
than 15 years they’ve been creating
than 15 years they’ve been creating customized adaptive devices for children
customized adaptive devices for children
customized adaptive devices for children with disability using simple cardboard
with disability using simple cardboard
with disability using simple cardboard carbody is easy to work with it’s cheap
carbody is easy to work with it’s cheap
carbody is easy to work with it’s cheap and it’s surprisingly strong I was moved
and it’s surprisingly strong I was moved
and it’s surprisingly strong I was moved when I saw the beaming smile on the face
when I saw the beaming smile on the face
when I saw the beaming smile on the face of a six-year-old boy when he used his
of a six-year-old boy when he used his
of a six-year-old boy when he used his customized cardboard Spiderman steps to
customized cardboard Spiderman steps to
customized cardboard Spiderman steps to get in and out of his wheelchair for the
get in and out of his wheelchair for the
get in and out of his wheelchair for the very first time on his own but this
very first time on his own but this
very first time on his own but this small charity is working to capacity so
small charity is working to capacity so
small charity is working to capacity so I’ve taken on the challenge to help and
I’ve taken on the challenge to help and
I’ve taken on the challenge to help and spread this concept globally we’ve
spread this concept globally we’ve
spread this concept globally we’ve created adaptive design global a social
created adaptive design global a social
created adaptive design global a social enterprise spreading cardboard carpentry
enterprise spreading cardboard carpentry
enterprise spreading cardboard carpentry around the world we’re working in
around the world we’re working in
around the world we’re working in Glasgow with Erskine care home and drug
Glasgow with Erskine care home and drug
Glasgow with Erskine care home and drug ability but tedx cars go we need your
ability but tedx cars go we need your
ability but tedx cars go we need your help we need therapists creatives
help we need therapists creatives
help we need therapists creatives designers engineers to help us co-create
designers engineers to help us co-create
designers engineers to help us co-create innovative high-quality solutions that
innovative high-quality solutions that
innovative high-quality solutions that can be built anywhere using local
can be built anywhere using local
can be built anywhere using local resources TEDx Glasgow business
resources TEDx Glasgow business
resources TEDx Glasgow business community we need your help to develop
community we need your help to develop
community we need your help to develop sustainable business models and enable
sustainable business models and enable
sustainable business models and enable us to take this into a global movement
us to take this into a global movement
us to take this into a global movement we know that people make Glasgow greener
we know that people make Glasgow greener
we know that people make Glasgow greener let’s build on our history of innovation
let’s build on our history of innovation
let’s build on our history of innovation design and creativity under your seats
design and creativity under your seats
design and creativity under your seats you’ll find get involved card please
you’ll find get involved card please
you’ll find get involved card please fill this in visit our stand over lunch
fill this in visit our stand over lunch
fill this in visit our stand over lunch and make your blade pledge because
and make your blade pledge because
and make your blade pledge because together we really can change the lives
together we really can change the lives
together we really can change the lives of those people in need thank
of those people in need thank
of those people in need thank [Applause]
[Applause]
[Applause] [Music]
I feel very honored thank you to
I feel very honored thank you to everyone who voted and thank you for
everyone who voted and thank you for
everyone who voted and thank you for everyone who’s showed any interest in
everyone who’s showed any interest in
everyone who’s showed any interest in the project and it’s something that
the project and it’s something that
the project and it’s something that changed my life completely a year ago
changed my life completely a year ago
changed my life completely a year ago and I hope it can change the lives of
and I hope it can change the lives of
and I hope it can change the lives of lots of people
”
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