The ever helpful BBC has a series of graphs and pictures to show you just how bad the financial downturn is already - with the expectation that it's just going to get worse.
This is the most dramatic graph of US house prices:
But it's not bad news for everyone. Give thanks for the wealthiest (UK) who are able to thrive in good times and in bad. The very poorest of course get what they deserve:
Thanks to Themethatisme.