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Well, I haven't been very lucky with my 00:00
investments lately. 00:02
Investments? Now, I might be able to 00:03
help you there. 00:05
No, I just as soon check on myself if 00:06
you don't mind. Gives me something to 00:08
do. 00:10
Ah, I can see that you're a shrewd man. 00:11
It was nearly £50,000 last year. 00:16
£50,000? Well, well, 00:19
well, that's incredible. 00:23
I was just one number out. 00:25
Premium 00:28
bonds. That's your investment. 00:30
Yes. 00:31
Right. Let's get down to business, shall 00:33
we? 00:35
Yes. Well, I hear that you lend people 00:35
money, and I was wondering whether you 00:38
could arrange a small loan for me. 00:41
Just a moment. I'm afraid there's been a 00:44
misunderstanding. I was told that you 00:46
were a new customer. I didn't realize 00:48
you already had an account with us. 00:49
No, I don't. But naturally, if you lent 00:51
me the money, I would open an account 00:54
with you. 00:56
I'd lend you the money to open an 00:59
account. If we did that, we'd have the 01:00
whole town in here. We had to be very 01:02
careful who we lend money to. Any case, 01:03
we'd want you to put up some form of 01:06
security. 01:07
How do you mean? 01:08
Well, for example, do you have a house? 01:10
Oh, yes. Yes. 01:12
Do you know its value? 01:13
Not off hand, no. But I could ask the 01:16
landlord. 01:18
In any case, before we could possibly 01:21
open you an account, we should need the 01:23
name of two referees. 01:26
[Music] 01:31
I don't know any referees. 01:34
Two people who could vouch for you. 01:37
Preferably professional mates. 01:39
Oh, there's my doctor and Mr. Webster, 01:41
my psychiatrist. 01:44
Psychiatrist? You having treatment? No, 01:46
that was a long time ago. 01:49
I just went to him cuz I thought I was a 01:51
failure. 01:53
What did he say? 01:54
He thought I was too good, Mr. Spencer. 01:56
You want me to leave? 01:59
There was the general idea. 02:00
Well, that's not very fair. You don't 02:02
know the first thing about me. 02:04
You've no money, no account, no house, 02:06
no job. Your only source of income is a 02:07
baby that hasn't been born. And your 02:09
only reference, a medical man who says 02:10
that you're a failure. 02:12
That doesn't tell you everything. 02:15
It tells me a hell of a lot. 02:18
But I got to start somewhere. If I just 02:20
had a little capital, I could 02:22
Mr. Spencer. The interview is over. Will 02:24
you please leave? 02:26
I know I'm only one of the little men, 02:27
but remember what they say. 02:30
Will you get out? 02:31
Even the tallest oak tree has to begin 02:33
with a small nut. 02:35
[Music] 02:37
Just think of me as a little nut 02:38
who's trying to grow. Then go outside 02:42
and grow in somebody else's bank. 02:45

– English Lyrics

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Lyrics & Translation

[English]
Well, I haven't been very lucky with my
investments lately.
Investments? Now, I might be able to
help you there.
No, I just as soon check on myself if
you don't mind. Gives me something to
do.
Ah, I can see that you're a shrewd man.
It was nearly £50,000 last year.
£50,000? Well, well,
well, that's incredible.
I was just one number out.
Premium
bonds. That's your investment.
Yes.
Right. Let's get down to business, shall
we?
Yes. Well, I hear that you lend people
money, and I was wondering whether you
could arrange a small loan for me.
Just a moment. I'm afraid there's been a
misunderstanding. I was told that you
were a new customer. I didn't realize
you already had an account with us.
No, I don't. But naturally, if you lent
me the money, I would open an account
with you.
I'd lend you the money to open an
account. If we did that, we'd have the
whole town in here. We had to be very
careful who we lend money to. Any case,
we'd want you to put up some form of
security.
How do you mean?
Well, for example, do you have a house?
Oh, yes. Yes.
Do you know its value?
Not off hand, no. But I could ask the
landlord.
In any case, before we could possibly
open you an account, we should need the
name of two referees.
[Music]
I don't know any referees.
Two people who could vouch for you.
Preferably professional mates.
Oh, there's my doctor and Mr. Webster,
my psychiatrist.
Psychiatrist? You having treatment? No,
that was a long time ago.
I just went to him cuz I thought I was a
failure.
What did he say?
He thought I was too good, Mr. Spencer.
You want me to leave?
There was the general idea.
Well, that's not very fair. You don't
know the first thing about me.
You've no money, no account, no house,
no job. Your only source of income is a
baby that hasn't been born. And your
only reference, a medical man who says
that you're a failure.
That doesn't tell you everything.
It tells me a hell of a lot.
But I got to start somewhere. If I just
had a little capital, I could
Mr. Spencer. The interview is over. Will
you please leave?
I know I'm only one of the little men,
but remember what they say.
Will you get out?
Even the tallest oak tree has to begin
with a small nut.
[Music]
Just think of me as a little nut
who's trying to grow. Then go outside
and grow in somebody else's bank.

Key Vocabulary

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Vocabulary Meanings

investments

ɪnˈvɛst.mənts

B1
  • noun
  • - the action or process of investing money for profit

shrewd

ʃruːd

B2
  • adjective
  • - having or showing sharp powers of judgment

incredible

ɪnˈkrɛd.ə.bəl

A2
  • adjective
  • - difficult to believe; extraordinary

premium

ˈpriː.mi.əm

B1
  • noun
  • - an amount paid or required in advance for a loan or insurance

loan

loʊn

A2
  • noun
  • - a thing that is borrowed, especially a sum of money

misunderstanding

ˌmɪs.ʌn.dərˈstæn.dɪŋ

B1
  • noun
  • - a failure to understand something correctly

security

sɪˈkjʊr.ɪ.ti

B1
  • noun
  • - the state of being free from danger or threat

vouch

vaʊtʃ

B2
  • verb
  • - to confirm or guarantee something

psychiatrist

saɪˈkaɪ.ə.trɪst

B2
  • noun
  • - a medical doctor who specializes in mental health

treatment

ˈtriːt.mənt

A2
  • noun
  • - medical care given to a patient for an illness or injury

failure

ˈfeɪl.jər

A2
  • noun
  • - lack of success

capital

ˈkæp.ɪ.təl

A2
  • noun
  • - wealth in the form of money or other assets

interview

ˈɪn.tər.vjuː

A2
  • noun
  • - a formal meeting for discussion

grow

ɡroʊ

A1
  • verb
  • - to develop or increase in size

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Key Grammar Structures

  • I haven't been very lucky with my investments lately.

    ➔ Present Perfect with 'have been'

    ➔ The phrase 'haven't been very lucky' uses the present perfect continuous to describe an action that started in the past and continues to the present, emphasizing ongoing lack of luck.

  • I might be able to help you there.

    ➔ Modal Verb 'might'

    ➔ The modal verb 'might' is used to express possibility or uncertainty, indicating that the speaker is not completely sure about their ability to help.

  • I was just one number out.

    ➔ Past Simple with 'was'

    ➔ The phrase 'I was just one number out' uses the past simple to describe a completed action in the past, emphasizing a specific mistake.

  • We'd want you to put up some form of security.

    ➔ Conditional with 'would'

    ➔ The conditional 'we'd want' uses 'would' to express a hypothetical situation or a polite request, indicating a condition that must be met.

  • Your only source of income is a baby that hasn't been born.

    ➔ Present Perfect with 'hasn't been'

    ➔ The phrase 'hasn't been born' uses the present perfect to describe an action that started in the past and is relevant to the present, emphasizing the unborn status of the baby.

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