Safety_Helmut,
Sorry, sometimes the Shiraz gets me too. The point I intended to make was that we're not all spongers who can't be @rsed to buy our own houses; some of us are simply unable to because we cannot afford to!
The other point was that we will always tend to be the ones who stick to the mess rules, and not just meet the minimum required standard. Whilst that was not a point you made in your post, I wanted to (try) and keep to the topic of the thread, rather than just biting hard!
Hope that clears it up!
MAI24