Read all your posts Bob, sorry, you definitely come across as someone in the mortgage industry. Funny I can`t see you working for the Banks, more like one of the big insurance boys, ie: the Pru or Norwich Union as an example. Hoovering up the lot, the mortgage, building insurance, contents insurance, sickness and unemployment cover. I would imagine the recent floods have spooked you with all the payouts coming together with possible redundancies to trim your company`s costs.
Mind you if you are lucky to be selling lifetime mortgages to the old dears you may be OK.