The answer of course should be A. As a lender you must always take the action that would leave any sensible person gasping in disbelief.
Hence we have seen an increase in both the numbers of interest-only and in 100 per cent mortgages.
There are suggestions that interest rates may have to rise more rapidly than previously thought.
This would make it an ideal time for banks to undertake some sub-prime lending.
If they get in trouble there are plenty of taxpayers to bail them out.
Finances in Spring
For many working in the financial industry this used to be the busiest time of year – end of tax year planning combined with Personal Equity Plan (Pep) or Individual Savings Account (Isa) season.
For journalists, it meant pages upon pages of editorial to fill between the endless advertising.
Advisers, fund managers and banks would compete to see who could keep their sales team operating closest to midnight on April 5.
Then my plan for a nice day out at the Cheltenham Festival would invariably be undermined by one chancellor or another choosing to put the Budget slap bang in the middle of the festival. How thoughtless can you get?
Well Isa specials are now smaller or, thank goodness, fail to appear at all.
More regular saving has meant the rush to beat the tax deadline is generally a less panicky affair.
As for the Budget, well this chancellor has followed Kenneth Clarke’s example and banished it to November.
Next week we are to get a spring statement, which Philip Hammond tells us will not be a major fiscal event but will have updated economic forecasts.
Time to board the train to Cheltenham or book that late skiing holiday I think.
Tony Hazell writes for the Daily Mail's Money Mail section
