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Me? no mate! but many business associates/friends and just clients of people I know etc have crashed and burned spectacularly, or at the least had very strained marriages and banks threatening (and still are) to take their house and anythign else they can find. not many banks are in a caring...

whilst we all pat each other on the bank and smoke stogies let's spare a thought that for those that lost it all. It was an incredibly tough year and fortunes and families were lost.