Although the capital markets are now open to moreorless any firm, they are far more favourable to those that were already in relatively good financial health, says Carsten Stendevad of the financial-strategy arm of Citigroup.
Physicians are altering their work habits in a variety of ways to work less with more becoming hospital employees or cutting back on hours their practices are open and limiting the number of patients they will see.
In theory, the foreigners' reluctance should leave the market wide-open for the handful of Russian banks that have survived the crash moreorless intact.