At the beginning of January we all went around wishing each other a 'Happy New Year' and I suspect that, given the current climate, there was considerable feeling behind each greeting. The Credit Crunch is has now become a financial crisis and this country, as well as many others in the world are moving into a recession which is set to last for some time. It is a difficult time for all of us. Those who are employed are worried about the security of their jobs. Others have lost their jobs and face an uncertain future. Those who are retired are finding their income restricted as savings or investments show poor returns.