Well,the only people who would buy it are people who trust the bank that supports it, so in effect, the bank is promising to bail out the SIV if it should get in trouble.
The report said a number of factors caused the problem, but payment by results played a part as thetrust misjudged theeffect of the changes on its income and workload.
Peers also put questions to the government on education and training for people in prisons and young offenders' institutions, the Child Trust Fund and theeffect of local government spending cuts on the government's Big Society agenda.
With the sluggishness in economy considered to be a long term effect, the apparel retailers cannot trust on revamp of economy on which they were relying initially.