The Punk Generation were recently described in the financial press as entering the "last time buyer" stage of their lives. Now the FCA, at the annual conference of the Council of Mortgage Lenders, is saying that ways to finance the needs of the ageing population need to be found, which, given the difficulties placed in the way of anyone over 50 by the tightening up of mortgage lending rules, might be seen to be a bit rich! Whatever happens, there is a lot to think about, plan for and regulate.