and somebody said it was because since the stockmarket flopped people drew out and put the money in building societies, building societies were bursting at the seams, didn't want to, and banks as well, didn't know what to do with all this money, so, somebody went in for a loan and asked for fifty thousand and come out with a hundred thousand, they couldn't get it out, give it to people, a lot, a lot of people that really er  weren't safe gambles