If the Ump judged that he wasn't being tackled it doesn't matter. If he was it's either HTB or HTM.
This drip shit outta hand now my nigga that’s a hole purse
#SOchathour perhaps mortgage lenders could take this up alongside a traditional SO mortgage as a way to savings for staircasing? & the govt offering to pay a bonus like HTB ISA on the savings?! (Though probably fat chance as they’ve spent it all on normal HTB!)