So, the hope is that we really messed up this time, and like with any new financial instrument, we'll learn how to be grownups down the road.

NPR: Listeners' Money Questions Answered

Despite having missed out in play-offs at the 1994 US Open and 1995 USPGA, the Scot said that was the only tournament where he "really messed up".

BBC: Colin Montgomerie wins Sports Personality coach award