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Theladyisaminx
Over 90 days ago
Straight Female, 62
United Kingdom

Forum

Quote by kentswingers777
After reading this I thought I would see what others thought. Read the link, and its not just in the Sun its in other papers too. lol
Nothing much suprises me anymore, but it seems the credit crunch does not affect some schools. This same school will no doubt be running various things this year, to raise money for the school. As we all know schools run tight on their budgets.
Think what 40 grand could have got for this school. Also this schools headmaster will no doubt be one of the major headteachers, who hate taking your kid out of school, for a holiday. But was quite prepared to let the kids have two days off, for a nice little jolly up.
But of course when it is not HIS money he is spending, he obviously has no guilt about spending others money. mad

you have got to stop reading the sun, it's only there to wind you up! wink lol
To a special friend I have met here.
R its for you lol
Be thinking of you sunday good luck!
I've been awake for a while now
You've got me feelin' like a child now
'Cause every time I see your bubbly face
I get the tinglees in a silly place
It starts in my toes
And I crinkle my nose
Wherever it goes I always know
That you make me smile
Please stay for a while now
Just take your time
Wherever you go
The rain is fallin' on my window pane
But we are hidin' in a safer place
Under the covers stayin' safe and warm
You give me feelings that I adore
They start in my toes
Make me crinkle my nose
Wherever it goes
I always know
That you make me smile
Please stay for a while now
Just take your time
Wherever you go
What am I gonna say
When you make me feel this way?
I just, mmmmmmmmmm
It starts in my toes
Makes me crinkle my nose
Wherever it goes
I always know
That you make me smile
Please stay for a while now
Just take your time
Wherever you go
I've been asleep for a while now
You tucked me in just like a child now
'Cause every time you hold me in your arms
I'm comfortable enough to feel your warmth
It starts in my soul
And I lose all control
When you kiss my nose
The feelin' shows
'Cause you make me smile
Baby just take your time now
Holdin' me tight
Quote by flower411
I will open a forum chat room at or just before over on server 4.
As long as its ok that I straighten my hair on cam! lol

Oh bloody hell !!! ....That`s past my bed time !!
Night Night ..you old timer! lol
I will open a forum chat room at or just before over on server 4.
As long as its ok that I straighten my hair on cam! lol
Quote by foxylady2209
Early on in the thread Building Societies were mentioned along with Banks.
I haven't heard of a single Building Society being involved with any of this.
I asked a friend at work who worked in mortgages briefly. He said it was because B Soc's have to (?) maintain a much closer balance of debt to credit. And that a large proportion of their lending money is supplied directly from their day-to-day customers.
I recently swapped my mortgage to a B Soc so I'm hoping it will be more stable than Northern Rock were.
Are there any financial bods out there who can clarify the B Soc vs Bank thing in this situation?

One of the differences between a bank and building society is that building societies only invest in mortgages, whereby the banks invest in a wide range of investments. If the property market collapses the building society would be hit harder. Look at the Bradford and Bingley and northern rock only invested in property.
I was under the impression they operated under a different set of rules. More restrictive so less profitable under the best times, but more stable under the bad times.
In theory yes, but they only have one loan book and that property. Banks invest in whole range of investments ie: Mining, hotels, resturants, retail,to name a few. Banks in practice should have a capital adequacy requirement (roughly 8%) Look at all the banks that hold a mostly propery portfolio of loans these are the ones in trouble now.
Quote by foxylady2209
Early on in the thread Building Societies were mentioned along with Banks.
I haven't heard of a single Building Society being involved with any of this.
I asked a friend at work who worked in mortgages briefly. He said it was because B Soc's have to (?) maintain a much closer balance of debt to credit. And that a large proportion of their lending money is supplied directly from their day-to-day customers.
I recently swapped my mortgage to a B Soc so I'm hoping it will be more stable than Northern Rock were.
Are there any financial bods out there who can clarify the B Soc vs Bank thing in this situation?

One of the differences between a bank and building society is that building societies only invest in mortgages, whereby the banks invest in a wide range of investments. If the property market collapses the building society would be hit harder. Look at the Bradford and Bingley and northern rock only invested in property.
Quote by GnV
We have all read the latest Building society/bank to go to the wall. The Bradford and Bingley being the latest victim.
Over the pond they are trying to bail out the banks with a massive $700 billion.
Over here everyone is running scared, especially the banks. Are they now getting " what goes around comes around " ?
For years the banks have lent money to people and places that could be said were, less likely to get a good return on their money...sorry your money.
So does anyone feel sorry for the banks at the moment, and the money they are losing, or do you feel that the banks are not responsible at all?
I think the banks have got themselves into this mess,and the taxpayer should not bail them out. Who would bail anyone of us out if we had been as irresponsible as they have with money.
So many people are now in debt but if we went to our banks or lenders to look for a way out, am sure they would bend over backwards to help....not! They would say that we had got ourselves into that situation, and it would be up to us, to get ourselves out. Are the banks not following the same rules as they would dish out? dunno

its time to wake up Banks is a scapegoat,actually the banks were doing there best,i feel sorry for all of us lossing both businesses and employments....this has nothing to do with the banks its the bloody cost of 5year meaningless war,in short a couple of my mates receive £1000 per day doing bodygaurd work in Iraq
what would they do with the $700billion bail out anyways,they might as well give everyone $1m each ,it still wont help,thats what we get when we let a war mongering fool be the head of a powerful state!idiot
Your opinion! What has the war cost got to do with the banks lending too much money, to people who would struggle to pay it back? dunno
I do not want to get into a war debate, but you say some silly things sometimes. lol lol But I like ya. cool
ha ha silly is my middle name ,well the banks has been lending irresponsible over the years but the insuarance has been compensating them, but why do you think its been connected with the high price of food and fuel...whilst the fuel price is coming down but food still going up,but remember just before the credit bite 14months ago they blamed it on china and India.we might have to pull from iraq before the job is done inorder to survive..
Why would they do that? dunno
If they looked into the benefit system and saw the millions that was being stolen, yes stolen, it would be enough to pay for the war and bail the banks out. But too many people conning the benfit system and too many bankers running to their big houses abroad. lol
But of course I take your valid points on board Phuckers.
Could somebody explain what we (Europe) are doing in Afghanistan ffs?
Will it be Pakistan next?
dunno
Oppps.. sorry for the hijack! wink
Blame the bankers! wink
Ok I will open one what time would you like?
Quote by blonde
Can we have one tonight, please?
Steve is away and I've been to a funeral ......... I need a daft couple of hours!!!
Sam xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
Quote by Krustycam
Is it just me, or do other people find chatrooms a bit of a waste of space... Unless you actually know a few people that are already in the chatroom, you will probably be totally ignored.. more so if you are a man.
I spent a good hour moving through the SH chatrooms,
politely introducing myself and explaining I was fairly new and looking to make a few friends..
almost 100% total blank..one or two people said hi, and that was as close as it got to a conversation..
Watching the traffic that passed up the screen all anyone seemed to say was something like ..
Hi jim....hi fred...anyone in norwich want to meet... hi sue...bye sue.. and thats supposed to be a chat ???
I know I sound a bit of a novice, and I probably am..but are there any chatrooms where people really do chat ?? any subject at all..
thats my grumble for the day
Chris

Hi Chris,
welcome to sh!
You didn't come into my room last night we spoke about marriage, banking, children growning up to quickly, poiltics, wind turbines, music. lol
What topic would you like to discuss? lol
We always talk to anyone that wants to talk, you will never get noticed sitting quitely in the corner.
I do find the main rooms are to quick for me I like the quieter side rooms where regular people come in, I believe it is here you get more of a feel of someone can pick up on the banter and chat. But you have to put yourself out to be noticed.
Good luck!
Quote by kentswingers777
They weren't worried about us when we were being stung for charges at the rate of per transaction! evil
So no, I don't feel sorry for the banks. I do however feel sorry for all of us caught up in this mess and the staff who are probably stressed to death.

True Mar.
I remember getting £35 charges for them bouncing a cheque, then they charged me another £25 for sending me a letter, telling me they had bounced my cheque. Lets see....£60 worth of charges for going overdrawn by 11 quid.
No wonder they became so rich. They are getting what they deserve in my opinion.
It makes me sick to think they will get bailed out, if they get into trouble. Maybe the next time I cannot pay my credit card payment, I should ask the bank to help me out a bit. The only help they would be willing to offer, is to take me to court if I do not pay.
Maybe this limp wristed Government should have the guts and not come to their aid. But we all know, its not what you know but who you know. They are all in the same trough. Self serving pigs of Westminster, and self serving pigs at the banks.
By the way niceguysdoexist, I found your post fascinating, and obviously a guy with a good head on his shoulders. lol
Sorry Kent I am going to have to disagree with you, it would be a shame to lose our banking system, I do agree it needs a good wake up call.
This reasons I am saying this is for the points below.
1. In the 90's when interest rates when 15% we got hit hard, all the banks that we had debt with were very helpful and accepted a payment in the pound. Not one bank took us to court. The abbey are a different kettle of fish, they would not bend at all, and they took us to court, that is how we got black listed.
2. When I have got bank charges I have phoned the banks and they are pretty good at refunding charges if you haven’t gone overdrawn more than twice in a year.
3. As for credit cards we don't have any now, but courts do not always look favourably at credit card companies in our knowledge
4. As for mortgages some banks have been given high risk mortgages. Some would say this is wrong, but look at this way, there is a shortage of propety as someone said there are people that own a portfolio of properties, that they rent out, the rent on these are as high as the morgage repayment.
The people that rent these can't get a mortgage because of earning but can pay rent of the same value. Banks were giving these people the chance to buy the property. These people and the banks all knew the risks.
I believe all that is going to happen now is the fat cats property owners are going to be picking up the fall out of this, because when reprocesses start where are these people going to be living?
It is these people that have driven property prices up.
I would also say, this is a have now pay later nation, we need to question our own spending.
We learnt our lesson in the 90’s just more might be learning it this time around.
Banks don’t give money unless asked to give you can’t just blame the banks.
Banks don’t charge fees unless you over spend!
Yes 100% mortgages over 40 years! That obviously helps someone get on the ladder but, the banks done that for their own agendas. Don't run away with the idea that the banks lent over that period of time, cos they were being nice.
Yes the banks might have had an agenda, but so did the people that took them out to. People are not thatnaive today as to not know the risks involved surely.
Credit has been far to easy to achieve, over many years. I have two credit cards with my bank and they set the limits at 15 grand a card. Plus they gave me a ten grand overdraft that I did not ask for. Now thats 40 grands worth of credit, for someone that does not even earn that a year. If I was iresponsible I could have a field day, or is that what they were hoping for? dunno
People will only spend what they want to spend, the credit card companies or the banks don't make you go out and buy. There is always the opinion of cutting them up.
Bottom line Minxy is yes credit is only given to people who ask for it, the banks over the last ten years have almost said yes everytime, even to people that on paper would struggle to pay it back...hence the 100% mortgages over 40 years.
Yes ok the banks might say yes but you have asked for them to say yes to, surely you cant just blame the banks, people have to be responsible to.
Peoples budgets are now so tight that a rise like we have had on our energy prices, are enough to put thousands in serious trouble. People have learnt buy today and pay tommorow syndrome, which is fine until it goes wrong, and blimey it has.
There lies a big part of the problem buy today and pay tomorrow, well tomorrow has come.
The banks have a lot to answer for, as you really need to check why the USA are having problems. They borrowed too much money to people that would struggle, based on the high house prices. Now they have fallen hugely the banks will never get their money back. Had they of been more prudent in their lending, the same as our banks, things would no doubt not be as bad as they are at the moment./quote]/color]
I believe our banks could to a degree overcome this storm if it wasen't for the media instilling panic into people. But then I blame the media for a lot of things in this country. To many people believe totally what they read without knowing all the facts.

It is the americans that have the problem.
Quote by __random_orbit__
I do have imagination... and a practical approach.
adhoc at times, it has to be said...
though would never refuse or be averse to a little hint, a blatant nudge, or written instruction.
lp

Or direction?
Quote by __random_orbit__
This is my reasoning why MMF is so much better than FFM when one of the women is straight. You guys just can't cut it lol.

Men just think they can! lol
To all men :therethere: lol bolt
go on; knock us when we're down! (read: flacid)
lp
mmmm I would never knock a man when he is down! or up for that matter! :P lol
you gotta get up, to go down.Not necessary :P
or you gotta go down, to get up! Maybe wink
lp
Use your imagination or I will give you a hint!
Quote by __random_orbit__
This is my reasoning why MMF is so much better than FFM when one of the women is straight. You guys just can't cut it lol.

Men just think they can! lol
To all men :therethere: lol bolt
go on; knock us when we're down! (read: flacid)
lp
mmmm I would never knock a man when he is down! or up for that matter! :P lol
Quote by venus68
This is my reasoning why MMF is so much better than FFM when one of the women is straight. You guys just can't cut it lol.

Men just think they can! lol
To all men :therethere: lol bolt
Quote by jaymar
Banks don’t charge fees unless you over spend!

have to disagree Minxy... while I was a student over the past 2 years, there have been the odd occasion when waiting for my grant that the bank wouldn't help me with an overdraft and when a direct debit was due on one occasion I was 99p short for my BT bill! yep 99p!!
The debit was returned, I was charged for the cost of the letter which then had a knock on affect for the direct debit for the same bill when it was represented, I had to find another to ensure the whole debit cleared.
And I hadn't overspent at all.
I wouldn't want to lose our banking system either, I think also a charge system is fair BUT not at A more realistic amount would be fairer.
I do agree the fees need to be looked into, that has happened to me, I phoned the bank and spoke to someone and explained the situation they looked back over the year and as I kept a clean record I had all the fees reversed. If it is the odd mistake I have found them pretty good at listening. If it happens often then I can understand why the fees would stick. They do let us know what will be charged if we go overdrawn, and I for one have been hit badly with charges in the past, but to be honest I knew the rules.
Quote by kentswingers777
lost that was briiiant all men should have a copy! lol

HUMBUG !! lol
I can go all night long, but needed two men to do it! lol
Quote by kentswingers777
They weren't worried about us when we were being stung for charges at the rate of per transaction! evil
So no, I don't feel sorry for the banks. I do however feel sorry for all of us caught up in this mess and the staff who are probably stressed to death.

True Mar.
I remember getting £35 charges for them bouncing a cheque, then they charged me another £25 for sending me a letter, telling me they had bounced my cheque. Lets see....£60 worth of charges for going overdrawn by 11 quid.
No wonder they became so rich. They are getting what they deserve in my opinion.
It makes me sick to think they will get bailed out, if they get into trouble. Maybe the next time I cannot pay my credit card payment, I should ask the bank to help me out a bit. The only help they would be willing to offer, is to take me to court if I do not pay.
Maybe this limp wristed Government should have the guts and not come to their aid. But we all know, its not what you know but who you know. They are all in the same trough. Self serving pigs of Westminster, and self serving pigs at the banks.
By the way niceguysdoexist, I found your post fascinating, and obviously a guy with a good head on his shoulders. lol
Sorry Kent I am going to have to disagree with you, it would be a shame to lose our banking system, I do agree it needs a good wake up call.
This reasons I am saying this is for the points below.
1. In the 90's when interest rates when 15% we got hit hard, all the banks that we had debt with were very helpful and accepted a payment in the pound. Not one bank took us to court. The abbey are a different kettle of fish, they would not bend at all, and they took us to court, that is how we got black listed.
2. When I have got bank charges I have phoned the banks and they are pretty good at refunding charges if you haven’t gone overdrawn more than twice in a year.
3. As for credit cards we don't have any now, but courts do not always look favourably at credit card companies in our knowledge
4. As for mortgages some banks have been given high risk mortgages. Some would say this is wrong, but look at this way, there is a shortage of propety as someone said there are people that own a portfolio of properties, that they rent out, the rent on these are as high as the morgage repayment.
The people that rent these can't get a mortgage because of earning but can pay rent of the same value. Banks were giving these people the chance to buy the property. These people and the banks all knew the risks.
I believe all that is going to happen now is the fat cats property owners are going to be picking up the fall out of this, because when reprocesses start where are these people going to be living?
It is these people that have driven property prices up.
I would also say, this is a have now pay later nation, we need to question our own spending.
We learnt our lesson in the 90’s just more might be learning it this time around.
Banks don’t give money unless asked to give you can’t just blame the banks.
Banks don’t charge fees unless you over spend!
Quote by __random_orbit__
Incredibly interesting thoughts Lady.
After the death of my father, and in the last months of his life I began to think that there could well have been a multitude of signs as to whatever could have been happening within his body.
Several Dr's visits yielded no results, and my Father's and Mother's 'generalised' fears were (apparently) not taken into consideration. The 'bigger picture' was not brought into focus. Perhaps a more 'holistic' approach at an earlier stage would have revealed more specific foci in the long run.
But as we all know, the modern health service approach to our health these days is rather rushed and pushed for time, leaving doctors to stab at what they feel may be the problem, and treat immediately with drugs, or hand the patient over to a specialist who would in turn treat/view the patient from within thier own professional sphere. More drugs should they feel a reason... or nothing if the specific speciality yields no results.
More waiting lists, and other referals ensue.
Time and money are the guiding forces today.
Research tends to lean towards expensive drugs for identifiable problems, or surgeries for the same.
The 'feelings' that patients and thier families may have towards thier 'general' symptons are just that I'm afraid to say. Far too 'unspecific' for modern medicine to listen to or consider.
lp

I know what parents and their families can come up with might seem clues plucking at straws. Signs clues etc
But I also feel who knows your body the best?
Surely we know our own best.
I think if there are signs no matter how little, even if it was thought might be of no relevance, when a serious illness such as cancer is discovered there should be a database set up and it all logged, surely then that is when patterns could start to emerge.
Another example that happened to my mum was they said her cancer had been there about 5 years, my mum had a bad fall about 5 years previous in the swimming baths. The side that she hit on a step that was black and blue on the outside was the same side her tumour had grown. It might just be conscience but you can’t tell me it can be totally ruled out.
You drop an apple it can have little effect on the outside but once cut open you will see deeper bruising. To me it is just a theory, but in my mind a theory that could make sense.
If all this information was collated we might see patterns until then they are still saying they don’t know what causes it.
Or do they?
And we are just not being told?
I just find it all fascinating.
Another thing I found out on losing a baby at 36 weeks of pregnancy was that sometime called slap cheek syndrome could have been the cause. We all are made aware of the likes of Measle, German measles being a risk to unborn babies, but I bet there are not many that know of this.
Read the doctors answer to the thread I have supplied.
Quote by HJ

There is some evidence that suggests that dogs can smell some of the "unusual" chemical compounds given off by cancers and give early warning of something wrong, although an awful lot of research still needs to be done.
If thats true, then its quite possible that some of those compounds attracted the insect life which was attacking your mums legs.

There was a programme on tv about is part of what I mean humans think we the superior beings, we have a lot to learn for animal instincts.
Quote by kentswingers777
Moving on from my friends thread got me wondering, because mostly I find I seem to trust men and are able to talk to men more easily. I seem to have a lot of friends that are male.
This could be that I went to an all girl’s school and got to know how bitchy and nasty the female race can be at times.
I do have a couple of very close female friends in life, but I choose very carefully who I let into my soul, but I seem not to worry to much about men for some reason.
So I would just like to run a poll and see who you would form friendships easier with?

In my life I have had friends, or so I thought. Be very careful who you choose, as sometimes those " friends " could be the ones who knife you in the back.
I am very very choosy when making friends, and most of the people I know I would not class as that. They are more acquantancies.
If you have true friends, ones that would do almost anything for you, without asking for anything in return, then you are lucky. Keep hold of those ones.
I am blessed as the true friends I have we have been there for each other through good times, bad times, rich times, poor times, happy times and sad. I know they would drop everything if I needed them as I would for them to. We could go weeks without seeing or hearing from each other but we are always in each others thoughts. A couple of these friends I have known since teenage days and are still friends. These to me are true friends.
I don't think I will ever feel like that with anyone here, but I would hope I can still make friends, people I can trust and trust me too. I think here the key element, is being able to trust.
I do understand totally what you are saying 777 there are a lot of people out there that appear nice on the outside but it isn't until you get to the core of someone that you truely know and understand that person.
Sorry I keep mentioning about my mum and cancer but after reading the life and death thread I thought I would mention this.
Before finding out my mum had Kidney cancer we believe now looking back with hindsight that there were tell tale signs.
For the last few years she was getting very nasty bites on her legs in the summer where she often went to the doctors for antibiotics, also she was being treated for water retention as her ankles were swollen and angina which were both diagnosed the beginning of this year.
After having the tumour removed her ankles have gone back to normal and she went out in the fields where she lives in the summer without the protection she normally uses to distract bite, and not one bite has she suffered this year.
I feel there are a lot of symptoms that our bodies can give off that things are not right, that to me surely the medical professions should be clued up about.
Surely the signs my Mum had and the fact now she isn’t having them can not be down to coincidence.
Have you found connections were things that have happened to you?
Why don’t the medical professions research these things and if they do why do we not know their finding and if there are connections?
What are your views?
What an experience you have suffered glad to see you are still with us.
Get well soon! kiss
I think it always best to share what has happened we all can live and learn.
A friend of mine was treated for a toe nail infection that cause kidney failure, he was then in hospital for about 7 weeks luckily he is now all better and back to normal health but it was very touch and go, they said this was caused by an allergy reaction to the treatment that was given for the infected toe nail. You just never know!
Moving on from my friends thread got me wondering, because mostly I find I seem to trust men and are able to talk to men more easily. I seem to have a lot of friends that are male.
This could be that I went to an all girl’s school and got to know how bitchy and nasty the female race can be at times.
I do have a couple of very close female friends in life, but I choose very carefully who I let into my soul, but I seem not to worry to much about men for some reason.
So I would just like to run a poll and see who you would form friendships easier with?
Quote by noladreams30
Yep, I agree with Freckledbird.
As I have got older, I sometimes wonder where adults actually do make friends. When you are younger you seem to collect friends almost by default - school, college, uni, sports clubs or extra curricular stuff like dancing or gym.
When you grow up, it seems to me that your window for friend-making shrinks. Yes, I have colleagues who I enjoy being in the company of, but I wouldn't call us friends.
I choose to use this site and I choose to use it in several ways. One - obviously - is to meet like minded adults and to have sex with them. I also choose to use the forums, chatrooms and go to Munches and other social events organised via the site. That's the bit of SH that I wasn't expecting. I came looking for sexual experiences, I didn't expect to find friends.
I have made friends though, many of whom have now crossed over into 'real life' (for want of a better term) and by that I mean I care about them, know they care about me and enjoy their company in real time and in cyber space.
Then there are my forum friends... that's all of you who I interact with on here. Who I would class myself as being more than casual acquaintances... let's face it - this is kinda like our cyber 'local' and we're all regulars, on nodding or speaking terms!
But yes, you can definitely make friends. I've made friends on here that I hope will be in my life for a long time. But, like anywhere, you have to exercise judgement and caution.
This may not be 'real life' according to some, but I treat people as if it is... respectfully but at a distance, until I get to know them.
Bugger... that all made sense in my head! confused

Nola a great post, I totally agree with everything you have written. What you have written here is exactly my thoughts too.
Minx x
Quote by blonde
I told you Minxy.... you are my newest, bestest Friend....
Can you pop £50,000 in the post tonight? :giggle:
Sam xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

Blonde the sunshine of my evenings! lol
You just never like my music :cry:
I told you last night I can't get the money out all the banks are falling like dominoes down here! lol
Are we still friends? :P
Some interesting facts I have found out is that on one side of my family they were master hatters.
Mercury used to be used in the making of hats. affected the nervous systems of hatters, causing them to tremble and appear insane. Hence the term “Mad as a hatter” come from.
So all those here that think I am mad it is in my genes
The French side were weavers and settled in thread Needle Street in London, The weavers lived a good life working for royalty until the cotton industries took over and they all became poor.
There is still a house in thread Needle Street that depicts the good and bad times of the weavers. One floor shows the living conditions when they were rich. The other floor shows how they then lived when poor.
I was having a bit of fun in a private room last night and an op comes in, lucky I am a good girl honest. wink
But it made me feel guilty and I could feel myself blushing. redface
I went to some woods once with a fb for some fun. It wasn’t until after we finished that we discovered we were not alone! :shock:
.
I just smiled an innocent smile in the woods pretending they didn’t see what they thought they had. lol
And last night I told the OP that all was ok and he could leave.
Well ok I told him to sod off, I do apologise, but you did seem to enjoy seeing my embarrassment, it was when you said you don’t watch cams that I think gave you away, and then said nice pink top. :shock: redface lol
So have you been caught with your trousers down?
How did you get around the embarrassment?