The important thing to think about is, if you're a bank, and you've got to make a loan, you have choices.
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And I've said before, Mr Deputy Speaker, no return to boom and bust.

Net bank lending must forever increase.

We are paying interest on every single pound.

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And eventually this cycle continues

That changes in the sixties, and everyone can trade currency futures, things that are not based on real products being traded at some point in the future, but are based on the movement of currency prices. Once the system of fixed exchange rates breaks down, obviously this accelerates enormously, so as you get the rollback of government regulation here, you get the market taking over with its own products here, and the theory is that the market is better at regulating itself, it's more stable than if you have a government interfering all the time.

And now we have got more people working harder than ever, spending more than ever, which looks great, which looks great, but if you're not actually benefiting from what you're spending, if you have to spend the money on childcare costs,

What does a progressive financial system look like?

I think it's also a reflection of an underlying weakness in these governments that they simply lack the will, and possibly the ability, but I think it more comes down to a will, to challenge financial markets, to challenge big capital, and say, We're going to do something different now.

A necessary condition for obtaining a loan is a proven stable income. The fact of income is a guarantee of obtaining a loan. The amount of income is important, but it will already affect the parameters of the loan: the maximum amount, term and rate.

Income for individuals is the salary at the place of work. It is determined by the certificate on the form 2-personal income tax. There is no point in faking, since information about the tax from individuals is in open sources, especially since the bank's security service has access not only to open sources. The bank will refuse an officially unemployed citizen.

There is an option with income confirmation through the presentation of a tax return on Form 3-personal income tax, which an individual is obliged to submit independently if there are additional sources of income. But how many of you have something to show in terms of confirming the declaration?