Agree about loans, although long term loans can't be cancelled except in January so it's the 93-day emergency ones where you get messed about, but haven't they stopped them anyway?
Anyway, what I actually started replying to say was that I don't think McGregor is that bad at all. I know he let in too many long shots last season, but at this level that's gonna be much less of a problem with less Lampards, Shelveys, Hazards, Silvas etc (there's a theme here), and his ability with closer range shots will be an asset.