BLJD,
Some of the finest advice I have ever seen on these forums.
Sadly, I suspect there will still be impetuous people out there, desperate to aquire vast amounts of debt gambling on a very poor, turbulent and dangerous jobs market, just so they can get their shiny licences in 13-15 months.
Folks, if the banks ain't lending then there's one hell of a good reason and no amount of positive mental attitude and self confidence will get them to change their minds.
Regards,
Obs