Czuch: Ahhh but some companies are offering 0% credit for two years or more on certain items like furniture over here. If one was clever, one would pay off the item in under those two years or so.

"Maybe it is a bit different with business.... but my advice is if you cant pay cash fro it, you cant afford it or it is more than you really need."

Have you really been following what has gone on re the banks? They've been lending and borrowing from each other, making very dodgy unthought investments all on the hope that the boom period would not end. Well it does, always.

They've been making bad loans to people, knowing that if the boom failed it would be the people that would suffer, bad mortgages.. no-one should ever get a 100% mortgage, people over here have always been advised (or as was in the past) to save a percentage first before buying a house, and most banks then insisted that had a deposit.

But greed set in, popularised by the banks, etc.