Our economy is being crunched by a credit conundrum, and the pennies in your pocket are being squeezed to within an inch of their copper lives - a loaf of bread now costs approximately £1,600 plus VAT, and financial planners are offering guidance on weighty investment decisions, like whether to purchase one- or two-ply toilet paper. Things are tight. So are the good times over? Not if you're a City banker. Despite melodramatic predictions......