The worst economic turmoil since the Great Depression is not a natural phenomenon but a man-made disaster in which we all played a part. In the second part of a week-long series looking behind the slump, Guardian City editor Julia Finch picks out the individuals who have led us into the current crisis.

to read the article, visit

http://www.guardian.co.uk/business/2009/jan/26/road-ruin-recession-individuals-economy/print

I know *I* didn't and I know many who like me, who didn't and were screwed anyway.

This was pure banking criminality.

Why aren't they paying?

Answer, because they are the judge and jury as well as the constable.