Im not saying we shouldnt innovate only that some of the best minds seem to be working in areas that arent really helping the UK
Yes we can blame bankers, Labour AND the Tories, but the level of blame aimed at subprime mortgage borrowers shouldnt be too high i believe. If you are poor and quite possibly ignorant and a slick salesman knocks on your door and offers you all your dreams you cant be surprised when they take it up.
Perhaps mortgages without a deposit should be banned?