The Credit Crisis is something we are going to have to thole, and work our way through. Bad lending decisions and bad investment decisions were made, all in the name of short-term gain with the intention of driving up share-prices. I believe that our economic system was driven into an unending boom and bust cycle when the value of shares ceased to be related to the value of the companies and became a large game of Poker with numerous card sharps, in the shape of speculators.