nicky,
In 2001 you weren't to know that our Banks would join the world wide lending party on the back of free and easy money. That was the trigger for the final 'blow off' surge in property prices here. They can't borrow it cheap like they did yesterday nor can they push it off balance sheet like they did yesterday either. Here's a chart I posted on the weekend, show it to your friend in the lift!
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i admit i sat on my hands, page-15
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