If you happen to have watched the news during the past year, chances are you may have seen a mention or two of something called the Credit Crunch. You will have seen stories of banks going bust, stock markets in a panic, and grave announcements from Important People to not panic. Of course, thats exactly the kind of thing that makes people want to start digging a hole in the back garden to keep their new gold coins in, but now is not the time to stop buying shares.

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