Hi, yes our student participants had to register/log in but since December 2009 nobody has had to (or been able to) register/log in. We're keeping it simple!
excellent post: I've thought about this problem every day for about the past 4 years but this is a new angle. Banks won't lend for me to set up a new restaurant or factory but will happily lend for me buy an overpriced hovel near such amenities.
Instead of using "we're not a bank" (which is really just an issue of semantics, as you do actually take a cut), how about "we only lend out real money so we can offer great rates because we're not trying like mad to recapitalise after a mad frenzy of irresponsible lending".
Although this video is a bit of a waste of time, it is true that the country should get an apology from Gordon Brown. He let property speculation ruin the economy and yet I bet he will still have a comfortable retirement.