So here we are in a brand new year where we are now firmly entrenched in the worst financial situation the world has seen since the Great Depression of the 1930s. And like most of the pundits making predictions, I also believe we are only at the edge of the abyss. There’s no doubt we are heading into very difficult times for the next 12 months. At the tail end of 2008 we were observing a recession rather than actually living it out. In 2009, we’re going to be smack in the middle of the...