No way August, you are totally wrong. In the UK we dont lend people money if they can't.... oh well maybe we do. Well what about France or Germany? they don't er, well. OK, well listen chum, it's really hard to get a mortgage in Bukino Faso OK? Doesn't that prove my point huh? eh? Doesn't it'? Eh? Doesn't it? (Sinks into a corner sobbing because August is right but Knipper is unwilling to admit it.) Think I'll go sink some American ships...