Your reply to my query is noted. You don't ' know ' me - so you cannot be sure if the statement for me to ' get out more ' is justified. I also note that you have not answered my question regarding the economy of Britain -- but -- that is your choice, and I will not press you. I sincerely hope that you don't suffer financial hardship - which happened to me - many years ago - but that was of my own doing - through overspending money I didn't have. It wasn't a nice period of my life. I appreciate that there may be various factors for individual ecomomic difficulties - but in my original reply I confined myself to the overriding factor of ' reckless ' overspending without giving thought to the conseqences. You cannot live your life with this gun-ho mentality and expect that it will not catch you up. Please feel to disagree / ignore / verbally abuse - it's YOUR choice.