I keep swithering between fear of the future and fury at the country being in this mess. To my mind, and I know many will disagree, the rot started with Margaret Thatcher and her policies. She was able to keep everyone happy by selling off lots of the 'family silver' to subsidise spending, and I truly believe that selling off council owned homes without using the receipts to build replacements is the basis of a lot of the problems. We now have the situation when even people on what would once have been considered a fair income are unable to pay their way, pay their rent without some form of tax credit or housing benefit. I am not criticising the people concerned, but think it is a dreadful situation when people are often receiving more in tax credits than they do from their employer. I also am not necessarily criticising the employer. In my own family, when my parents and their siblings got married, they all paid their own way, uncles who were lorry drivers, police constables, were able to not only pay their own rent, but could save up and have a good holiday every year. I dont know what the answer is, but I have a good suspicion on what the cause is. I fear for both my retirement, if it should ever happen, and for the future of my children. They will both be professional graduates and unlikely to be able to be able to rent a decent property let alone own their own.