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The counter argument will be they’re doing what we ‘the people’ wanted, and that’s leadership. But I agree, the whole institute IMO is rotten, has been rotten, for decades. Self serving, no amount of reform can put right. The pursuit of money is now the only thing, everything is secondary to...

Problem with comparison to yesteryear is the ratio was different. Of course plenty of people over stretched (brilliant story in Telegraph yesterday about some poor lamb who won’t be able to keep up payments next year on his £5m mansion, what with the children’s school fees £45k p.a….). However...

My approach to this, and life in general, is don’t worry about when so many people in same boat. They can’t repossess every house on such a scale. They don’t have enough officers - probably be a growth industry, so maybe get a job as, it will be paying a lot of overtime and you’ll thereby be...