The moaner

Isn't time the FA took some action against the moaning Scotsman?
He's at it again - says the refs are against his team. What crap! The refs are always giving Man Utd penalties in the last minute, always adding hours of injury time, so that his team can score, and sending off the opponents players to give his team the advantage.
When it doesn't go right for him, it's the refs fault!
Time to deduct points rather than just ban him from the touchline. I would suggest a 30 point deduction would be fair

Bankruptcy

If you move house, apply for a mortgage, or certain other things, then the solicitor checks to see if you have been made bankrupt. If your name is the same as someone who has been made bankrupt, then you have to swear that it is not you. (this you have to pay for of course).
Why don't they just include the National Insurance number in the bankruptcy court? That way there is only one person. SIMPLES!
Too bloody obvious I suppose. What stops people lying about it anyway?