Two-thirds of all the people on benefits are in work, so perhaps ministers might consider resisting the temptation conjure-up their favoured imagery of hard-working people setting-out early in the morning while their neighbours on out-of-work benefits are still snugly tucked-up behind their closed blinds.

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In recent years, many borrowers took out interest-only mortgages without setting up savings accounts to work alongside their loans.

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