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last Friday you said to me slam the table at the IMF World Bank meetings very aggressive he said its not a banking crisis and you were right in many ways its not I want to know though is it the beginning of a credit crunch would you go that far so I dont remember slamming the table but I remember saying can we stop calling it a crisis this is not a crisis it was Tremors I will disappoint you by saying this is not a credit crunch this is a credit contraction and there is a difference a credit crunch is economy-wide it has massive implication a credit contraction has distribution effects so we should be talking about the distributional effects thats issue number one and unfortunately thats going to hit small businesses harder than big business and then the second issue should be talking about is what the numbers are telling us which is certain models are incredibly pressured in a world of higher rates for longer and thats the world were in right now so what these numbers are telli
