People now think carefully about what they buy and how much they are willing spend.

It’s a more considered market...

Happy days are here again. The central bankers say the recession is over. The markets are buoyant. Can we relax?

Nassim Taleb: Not at all. Central bankers have no clue. In the first place, the financial crisis was not a black swan. It was perfectly predictable. They ignored the phenomenal buildup in leverage since 1980. They acted like airline pilots who'd never heard of hurricanes...

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There will be opportunities for those in a position to profit from and during the gloom.

Here are some ideas to get you started. Some are risky, some less so, and many not for the faint-hearted – the usual caveats, such as getting advice and profits not being guaranteed, apply too.

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