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It's time to give credit where credit is needed

Viewpoint: While headlines about the credit crunch focus on the banks, the poorest in society are being hit hardest of all, argues Kaliani Lyle of Citizens Advice Scotland.

The last decade in Scotland has been a period of change. We have seen a new Scottish Parliament, a new Prime Minister in Westminster, a change of government at Holyrood and the complete overhaul of our local government system.