You are both too young to read this letter now. But in a decade or so, I suspect you'll be hearing about the events of autumn 2008 in your history class. You might wonder what it felt like to live through a global crisis. And when you learn about the years just before the crash - the houses that magically doubled in value, the no-questions-asked mortgages - you'll surely ask what all of us crazy old folks could have been thinking.

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