With all this talk of a credit crunch, I'm somewhat confused. Isn't the requirement to have some kind of evidence of an income, a deposit and a clean credit history before being given a mortgage actually a return to the lending practices that were the norm just a few years ago? Now, having a pulse is not the only requirement to be given huge sums of money. Rather than a credit crunch, isn't what we are seeing a return to normal service? And that seems like a good thing to me.