Early Life
The son of James and Mary Howarth, he was educated at Bloxham School and the University of Southampton (BA Hons), and married in 1973, Elizabeth Jane, née Squibb. They have two sons and a daughter. A qualified private pilot, he was commissioned into the Royal Air Force Volunteer Reserve in 1968, and 20 years later, in 1988 received the Britannia Airways Parliamentary Pilot of the Year Award. In 1971 was employed by the Bank of America International Ltd., where he remained until 1977, when he moved to the European Arab Bank until 1981 (Manager 1979-81). He then became the Syndication Manager for the Standard Chartered Bank for the next two years, after which he was first elected to parliament.
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