Government warned for 3 years lending changes would create issues

[king1]

Fixed the quoting (I think),  perhaps for sake of clarity, if it's not convenient to use the quote button (say commenting on each paragraph), maybe make a point of using a format similar to

king1:  yada yada yada
That is just a load of bollocks...

king1:  yada yada yada
That was a load of bollocks...

or you can use the standard unattributed quote button in the editor toolbar 

yada yada yada

FYI - The standard editor format for an attributed quote is 

  Opening  [*quote*]  tag followed by closing  [/*quote*]  tag - anything between the tags is 'quoted' (asterisk are to prevent it becoming a quote)

You can see all these tags either by using quickedit mode, or the last toolbar button in the editor toggles quickedit mode...