encies ' ▁mark ets , ▁and ▁has ▁more ▁knowledge ▁of ▁companies ' ▁financial ▁performance , ▁history , ▁and ▁corpor ate ▁structure . ▁Adam ▁Par s ons ▁provides ▁the ▁personal ▁fin ance ▁( e . g . ▁mort g ages ▁or ▁ins urance ) ▁knowledge . ▁There ▁is ▁an ▁element ▁of ▁( che ek y ▁s arc asm ) ▁hum our ▁to ▁the ▁programme . ▁ ▁Exec ut ives ▁from ▁companies ▁are ▁invited ▁for ▁live ▁discuss ions ▁on ▁the ▁programme . ▁Gu ests ▁are ▁often ▁invited ▁from ▁industry ▁trade ▁groups , ▁such ▁as ▁the ▁C BI , ▁Io D , ▁F SB , ▁or ▁government ▁economic ▁organis ations , ▁such ▁as ▁Business ▁Link , ▁university ▁business ▁schools , ▁or ▁watch d ogs . ▁ ▁In ▁ 2 0 0 8 / 0 9 , ▁the ▁banks ▁featured ▁heavily ; ▁rarely ▁had ▁a ▁programme ▁not ▁mentioned ▁the ▁state ▁of ▁the ▁UK ▁banks ▁or ▁the ▁Fin an cial ▁Services ▁Author ity . ▁ ▁Fre quent ▁guests ▁include ▁David ▁Bu ik , ▁and ▁Justin ▁Ur qu hart ▁Stewart ▁of ▁Seven ▁In vest ment ▁Management . ▁ ▁Broadcast s ▁The ▁programme ▁is ▁also ▁carried ▁by ▁Radio ▁Scotland , ▁Radio ▁Ul ster , ▁and ▁Radio ▁Fo yle . ▁ ▁Form er ▁present ers ▁ ▁Ad rian ▁Ch iles ▁- ▁from ▁March ▁ 1 9 9 4 , ▁until ▁the ▁mid - 1 9 9 0 s . ▁He ▁later ▁married ▁the ▁co - present er ▁of ▁the ▁Mor ning ▁Re ports ▁programme , ▁Jane ▁Gar vey ▁ ▁Philipp a