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@fatbloke
Also, when I was working at a bank in the States, I thought it would be cool to help out people who couldn't afford to buy a house by giving them special mortgages? And then it turned it to be really popular, so I gave out loads of them, so many that I had to parcel the debt up and sell it off to banks all around the world. But then all those people I was trying to help didn't pay their instalments, and the banks couldn't get their money back, so they all stopped lending to each other, and it all just got really out of hand, and I'd just like to say I'm really sorry about the whole thing.