The economic crisis, triggered by the sub-prime mortgage meltdown in the U.S. in 2007, has produced devastating repercussions. We are still grappling with the ripple effects of the so-called “once-in-a-century credit tsunami.” Consumer confidence remains low while anxiety levels continue to soar high. The pervasiveness of “exotic instruments” and various toxic assets in our capital markets are rendering solutions murky at best. To be clear, I am confident that the markets will eventually recover, and we are seeing some indicators of that today. But I make no illusions that the road is long, the journey arduous, and success is contingent on all stakeholders doing their part.