KEY POINTS:
How has the credit crunch changed your world?
It's changed everybody's world, it's just some people don't know it yet.
How serious is the current downturn in a historical context?
It's most likely a once-in-a-lifetime occurrence. Nobody knows how long or short it's going to be.
What helps you put it in perspective and stay positive?
If you're going to have a worldwide recession, this is the country that is the best place to be. You wouldn't want to be a steel worker in Chicago or a car worker in Detroit.
New Zealand is a country where everybody has got plenty of fresh water and basically should be able to feed themselves. We need to count our blessings that we live in a beautiful, uncrowded, unpolluted country.