Well, let's see if I can explain this thing."Many, many years ago, when your mother and I bought our first house we not only had to have a really good...credit standing, we also had to pass a kind of test. At that time, the 'rule of thumb' was a person should not buy a house that cost more than two and a half times their annual salary. Loaning only to people who had a good credit history or having someone who had a really good credit history co-sign the loan plus being sure the people who were. "No problems my sweet. they really are lovely people. So relax, you'll be fine."Our age difference, 15 years, bothers her a little when first meeting any of my friends, but to date they have all taken to her instantly. Swinging into the bay we swing around, go astern onto the quay and with the help of my friends, Rick and Jenny we're soon secure."Better than usual Mark!" He says. "Must be your quality crew!" Sod off" I laughingly retort."Well charmed I'm sure!" he replies and we all laugh.. More

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