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Over the last 12 months, the term 'credit crunch' has increasingly been mentioned in everyday conversations, whether discussing falling house prices, the rising cost of food and utility bills, mortgage interest rates or the difficulty in getting a mortgage. A percentage of the public are going to find hard times ahead. According to many commentators, the economy is in severe danger of heading for recession yet with the Government's anticipated changes to the State incapacity benefits, even fewer people will be eligible for State assistance. Increasingly, people are being encouraged to tak...