[Chelsea had borrowed heavily from financial institutions, principally to fund stadium development. Ruth Giste, the widow of the late club director Matthew Harding, had also demanded repayment of a significant sum loaned to the club.] Fans did not know that in January the club had mortgaged, if you will, the TV revenues, ... It borrowed against the TV revenues that were to be handed out in August. I didn't know as a fan the club owed money to the Harding family and they wanted it back. As a fan I was naive. I knew the club had financial problems, but didn't know the specifics.