r 2012 Telegraph<http://www.telegraph.co.uk/finance/financialcrisis/9210015/Italian-PM-Mario-Monti- to-cut-economic-growth-forecasts-for-2012.html> 4mn Britons sitting on interest rate time bomb Daily Mail<http://www.dailymail.co.uk/money/mortgageshome/article-2131192/Interest-mortgages-How- million-Britons