Holding pools are better than nothing and I hope that works out sooner rather than later, my concern is however for those individuals that decided to take out loans or secure training costs against a house. Training and jobs may be able to wait but the banks won't wait and I really fear in some cases the worse is yet to come for those in debt. MPL has on multiple occasions now shown a fundamental flaw there seems to be little rectification for, how many more MPL cadets must suffer before regulators will notice?