The Probability of a Garden Variety Recession

We proved that you could borrow 10 times your income. The bank standard was 6.8 or 7.2, depending on who you are. We were a gay couple, so children might not be accepted. But if you're an ordinary couple buying a house, the next thing that happens is babies. If you borrowed 11 times your income after minimum repayments, you were left with zero,. And it also didn't matter what your income is because it's progressive. Most extreme one was just fake tax returns, literally software to develop them.