Abstract
<p class="MsoTitle" style="text-align: justify; line-height: normal; margin: 0in 0.5in 0pt;"><span style="font-size: 10pt; font-weight: normal; mso-bidi-font-weight: bold;"><span style="font-family: Times New Roman;">Borrowers face tight credit markets after years of easy credit.<span style="mso-spacerun: yes;">&nbsp; </span>This study examines the events that led to the credit crunch and its impact on global economies.</span></span></p>
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