"Darling to revive mortgage securities"

Yet more vain attempts to "revive the housing market" (don't bother, it's all over now) in yesterday's FT. Particulary f***witted is this bit...

"Yet banks have warned that the move could lead to the creation of a two-tier system, which while cutting costs for less risky loans drives up the costs for poorer, less creditworthy customers and those seeking mortgages with higher loan-to-value ratios."

I thought that was the whole point of banking?