We're joined by Gemma Paterson from Legal & General for Liam's final episode as host of the show. Gemma brings a ton of experience to the show and also grew up down the street from Liam, so it's a fitting end to his time. Gemma is currently Head of People, Development, Experiences, and Innovation at Legal & General and previously spent around eight years in marketing working before moving into an internal role. Over those years, she's worked for top brands like BP, Monsoon, First Direct, and HSBC. During the episode, we talk about innovation and why it's more than just tech. Gemma tells us why she made the switch from direct marketing to an internal role that focuses on innovation and change. We then talk about both product innovation and people innovation and why businesses need to invest in both. Gemma also shares an example of a Vegas hotel that invests in its people and the positive effect that has on the customer experience. We then talk about how small businesses with low resources can innovate and why it's not just something that large companies can invest in. Finally, we discuss innovation in marketing, and Gemma shares another great example.