We live in turbulent times. The credit market difficulties that had simmered throughout 2007 erupted into a full-blown financial crisis in mid-September 2008, which broke out during an otherwise promising year for the ICT industry. The global economy is now navigating uncharted waters. Unprecedented events have taken place in the banking sector, finance and credit markets, including the disappearance of several global financial icons, and the consequences are far from clear.