These are, as they used to say, parlous times. The all-devouring monster of recession is with us once again, and despite the long history of financial cycles, it comes in a form that was new enough to fool us, so that most people who should have known better didn't see it coming.

We are, it seems, just past the cusp of the recession – far enough into it to know its there, but not quite far enough to know how it will affect each of us. Can it touch the world of finance and the butcher and the baker without touching the lawyers, the consultants and the accountants?

Of course not, and just when we were getting used to all those profits, and all those magnificent salaries for the still-wet-behind-the-ears, fresh-out-of-school newbies.

And if experience teaches us anything... well, it hasn't.

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