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I know that Dazz. :) I was just trying to show that the 12% is highly variable and that for 30 yrs the results were probably pith poor, or at least that people had other things on their mind. Weren't solders six bob a day heros back then? That would make the pound/mth affordable though...

In 1914 the Great War was starting. In the next 4 years hundreds of thousands of the country's youth would be dead. Twenty five years later the country plunged into the Great Depression. How good would the young men who survived the war feel, being wiped out financially? Thirty years after...