Your waist is one size when you are standing, but expands when you sit. Do you like the feeling of your pants biting into your stomach? You can tighten them with a belt.
For once I hope this turns out to be an Internet marketing thing gone awry. I mean, I know England is blanketed with CCTV cameras, but this one seems too perfectly focused on a trash bin.
Yes, banks are partly to blame for selling people loans they can't afford. Many Americans are nearly financially illiterate. I have read that 20 million Americans pay someone to file their 1040EZ form, which is a one page form with around 10 boxes. If a banker, whose job it is to deal with money all day, tells you that yes, they will give you a $400,000 loan, and you can't figure out the tip on a $20 restaurant check, you're inclined to believe him.
I did get to see a moonbow once, at Yellowstone. It was absolutely magical. Very faint - I would have missed it completely if it hadn't been pointed out to me.
http://www.flickr.com/photos/trekkiegal1701d/3345198045/