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Credit crunch 'to plast into 2010'
robert priceston bbc's business editor .
it's going to take 18 months before us house prices have started to raise again - which is what's required for banks to have the confidence to start lending again .
since it was the reduction in the availability of credit that precipitarted the economic slowdown in the uk, mr hornby also implies that there's little the government can do to restore positive momentum to the economy .
it (the credit crunch) will take a long time to play out .