We've recorded over our voices once and double the harmonies, make them thick. The Four Freshmen do that.
This filing spike is a result of bad information being pushed on people, and then they file for bankruptcy out of fear.
Housing associations have fingered the fact that they cannot use their assets as liquidity due to Bank of England rules unlike their continental equivalents. This has emerged to be one of the main bottlenecks to getting investment going in the U.K. It is a Bank of England issue.