Richard Wrigley has some forthright thoughts on America, and in particular on business and sex. At 38, with no financial background, he's creating in Manhattan a million-dollar brewery as well as a vast ice-rink in New York's Central Park. He has no bank account and no credit rating but says thousands of dollars have gone through his mattress. Brendan Fearon, with a BA from Manchester University, is also working in Central Park - driving a horse-drawn carriage - and experiencing some of the romance himself. When most of the muggers are in bed, Richard Lord, who lives with a pet eel, takes the 4.00 am subway to Wall Street - not to a bank but to the Fulton Fish Market to pursue his obsession.