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I had shower one day and as I was finishing up and my wife got in, then the doorbell rings. I quickly wrapped myself in a towel and went to the door. I ran downstairs. When I opened the door, there stands Angela, the next-door neighbour.

Before I say a word, Angela says, "I'll give you £500 to drop that towel,"

After thinking for a moment, I drop the towel and stand naked in front of Angela. After a few seconds, Angela hands me £500 and leaves.

I wrap back up in the towel and go back upstairs. When I get to the bathroom, my wife asks, "Who was that?"

"It was Angela the next door neighbour," I reply.

"Great," my wife says, "did she say anything about the £500 she owes me?"

Moral of the story:

If you share critical information pertaining to credit and risk with your shareholders in time, you may be in a position to prevent avoidable exposure.