Panel 1 The 12 step plan Breaking our debt addiction 1.Global Credit Crunch 2.Finance companies collapse 3.House prices fall 4.Banks tighten lending 5.Financial crisis overseas Panel 2 6.Deposit guarantees 7.New foreign borrowing ends 8.RBNZ lends to NZ banks 9.Heavy credit rationing 10. House prices collapse 11. Discretionary spending ends 12. Recovery from 2010
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