I think Todd is about to bring Phelan down and that he is playing a clever game. I also agree that Alex getting a loan for a flat is ridiculous. How would get a mortgage and pay it off working part time at the cafe. He is not responsible enough either to be a homeowner. He would forget to lock the door, set fire to something and how would he know how to pay bills. Does he even have a bank account? Can he write a cheque, set up a direct debit, pay a mortgage, can he cook a meal, wash his clothes. It is so silly IMO.