The Credit Crunch has dominated the news for the last 12 months and it looks set to stay in the media spot light for sometime to come. Every industry is feeling the pinch, construction, motor trade and of course our banks, Sectors that flourished in the boom years fueled by the ease to access credit have experienced both side of the economy time line, great highs and record profit in the good times, great lows with record losses and mass redundancies in the bad times.