Love's a weird one, isn't it? I've never told my husband Graham that I love him. He's never told me either. I think it started as a bit of a joke. We just decided never to say it.

If you really love property, and buildings, lifestyles and how people live, that's a good reason for going into development.

I think a lot of people were under the impression that property development was a way of becoming a millionaire in six months, while doing nothing, and I don't think that's the case. And I'm not sure it ever has been, really.

Doing a job badly and then getting someone in to sort it out can be much more expensive than getting someone in to do the job properly in the first place.

In any market, in any country, there are developers who make money. So I say all of this doom and gloom, but there will always be people who make money, because people always want homes.

I kind of hate to be the voice of doom, but I just can't see how prices can't go down. I think people have actually forgotten that property prices can decrease. There's this feeling that they just won't fall, but, of course, that's not true.

I made a conscious decision to earn enough to be able to choose my husband rather than not have a career and marry someone who would have to earn enough for us both to live on.