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The stock market has finally cracked and it has cracked because of all the underlying problems. People are worried about consumer spending going down, and with the stock market going down as well the two factors will start to feed off each other

Gordon Brown could have used the boom years to prepare Britain for the lean years. But thanks to his economic incompetence, he failed to take the tough long-term choices and so we are not well prepared to deal with the difficult economic times that may lie ahead.