The year ahead

How much worse will the liquidity crisis get? What market changes will follow? And will regulation and mass restructuring of business models be the key events for lenders in 2008?

This year is one of the hardest for the mortgage sector to forecast as no one quite knows when confidence in the wholesale markets will return, and the fear that more bad news is still to come hangs in the air.

But while some commentators believe only half of subprime-related writedowns by financial institutions have bee

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