Managing the Meltdown

Credit Crunch

London might be seen by many as a city of queuers, but the lines of concerned bank customers outside Northern Rock branches in September gave a new dimension to this communal suffering. The effect of the subprime mortgage market across the pond was that the credit crunch hit the international news agenda, suddenly making the term a household name.

Yet most professionals argue that the recent downturn was bound to happen and that it was forecast. "I said last spring we're close to a time when we'l

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