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It is going to get much, much worse over the next 2 years. E.g.serious mortgage fraud being investigated in the uk at the moment which may turn out to be worse than the US (although won't have the impact on other country's markets). But as has been pointed out already, this just means a shift in what people will be buying. Hint: times like these tend to be when people start their own businesses, due to redundancies or new opportunities.
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