Thinks look bleak for the bankers

I want to introduce bankers to a new breakfast cereal. It is called "credit crunch" and tastes terrible. Even flame broiled over an open flame or slowly simmered in milk, credit crunch is less substancial than snowflakes on a warm day.

We need to have a solid foundation for our credit market, not a house of straw built on a sand bar, which will float away at the first storm.