Back in business on January 2?

Some bankers are hoping that in the new year, things will take a turn for the better — the same hope that was shared by many at the end of 2007. But this time round, after Lehman Brothers’ bankruptcy in September and the ensuing turmoil in the markets, confidence has been shaken further and fewer seem to be predicting a return to form in January. Give your opinion in this week's loans poll.