"Credit crunch" I don't want to talk about it in pubs and while having dinner, even if the - admittedly tabloid - press is to be believed, we're all doomed and the money well is running dry. I grant you, the fall-out from the Northern Rock debacle has been quite spectacular and, in hindsight, was just the tip of the iceberg, but to us 'normal' folk how deeply has it all been felt?
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