Editor's comment

Well what a year 2008 has been! It would be impossible to say that no one could have predicted the credit crunch as, to be honest, it has been looming for a while and I am only surprised that it has taken this long for the house of cards to come toppling down.

As you will see from our review of the year, although everyone admits that 2009 is going to be a tough time ahead, all of the panel were defiantly up for a fight and confident that their respective businesses were ready for the challenge. I

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