Headlines such as "UK banks face collapse" were never going to have any other effect than creating panic. When Northern Rock began having problems last year, the interviews with alarmed customers anxious to withdraw their savings who said things such as "I am putting mine under my mattress - at least I know what's going to happen to it there" provoked sympathy, irritation and unease in equal proportions.
We now know we are facing a period of uncertainty and justifiable fear. Families are facing an insecure future. It is the families who are least equipped to manage the downturn that will be the hardest hit, and it is their dependents, our young people, who will be forced to deal with the consequences.
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