Thanks for the friendly reminder to donate. Signal needs to stick around. I am also open to seeing some ads on the platform if that's what it takes to keep it alive and well.
For mortgages what you stated is still the process.
It gets expensive to do through investigation and review all documents, pay slips and bank account for something as trivial as say 'buying a phone' or 'getting internet service'. Credit score has its place there
It can be very difficult for someone to notice a bicycle on 40~55mph roads. Cyclists are definitely taking a risk. I wear Neon cycling shirt and avoid peak time when cycling.
Laws aside, I don't think Cyclists should block lanes esp' during peak traffic time. I actually would like a ban on main roads during rush hours, number of folks change lanes and create very dangerous situations for all.