When the chips are down you have to step forward, speak up and take action – or sink.Matthew Ingle, Yorkshire born and bred, left school in 1971 with four O levels. He went to work at a timber yard in Huddersfield, before joining the management training programme at Magnet. When he was made redundant in 1994, he had an idea for a business, jotted down on a single sheet of paper but no name, no products, no buildings and no backers. Howdens was founded in 1995, and ...