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Sam Walton, the founder of Wal-Mart. In all the winnowing of billionaires revealed this week - the credit crunch has wiped $2tn (Â£1.4tn) off their combined worth, and 30% are no longer billionaires at all - one thing stands out: retail is a good place to be.
He and his wife, Helen, put up 95 percent of the money for the first Wal-Mart store in Rogers, Arkansas, borrowing heavily on Sam's vision that the American consumer was shifting to a different type of general store.