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House prices have fallen, stock markets have crashed and consumer confidence has plummeted. In industry after industry, businesses are bleeding red ink, laying off employees, being nationalized - or simply going under. From banking to automobile manufacture, from real estate to retail, the warning lights are flashing. In short, in little more than a year, prosperity has given way to credit crunch - and then recession. But with such change comes opportunity. Bad news for some is good news for others. In this economy, the winners will be those that exploit adversity to create a gap between them and the competition.
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