Stebuzz is absolutely correct with regards to Latics, though the bigger picture, I'm confident, is much, much worse. It's not going to be as bad as '29 (The Great Depression) but the slow economic implosion we see unravelling is going to hurt millions of people. Banks will fold, jobs will go, prices will rise. Of course easy credit is one of the things that has caused this sorry mess, but it's by far the only one. And if Bush attacks Iran before he leves office (as he wants to), then the whole Western world - especially the UK as an island - will be going to hell in a handbasket.
Prepare now.
KC