Without any doubt 2009 has been a difficult year. The credit crunch reached a crescendo, becoming a recession, which lead to soaring unemployment, whilst media hype went into a frenzied whirlwind of unfettered hyperbole.
I have three overriding impressions from this year and they may or may not be linked. Firstly, let me start with one of this year’s biggest topics of discussion - “The Banks”.
