[davidc]

Hi Colin. I am sorry to hear things are tough. This is the third " downturn in the economy" I have beeb through. It is not the worst though. I can remember borrowing a lot of money in 92 when interest rates went up to 15%....I have done the same each time. 1 Look for new customers as spreading your customer base will more than make up for decreases in spend. 2 Add other services that reflect, and take advantage of decreased consumer confidence. 3 Cut costs to a mimimum.
Above all....remain positive...negativity breeds negativity.
Shop around the other banks. Get one behind you.
What affluent people do you have in your area, and what landscaping etc do they require.
I have always found that in recesssions the top earning sector of the market is always fruitful.
Remember the whole country has not stopped spending.
I hope this helps Colin. Chin up mate. You WILL get through this.