There is a difference between difficult times and a problem. With difficult times the universe of action is changed. All logics are only relevant in their particular universe – just as the universe of a patterning system is different from a language universe.
The recession at the moment qualifies as a difficult time, so a rather different thinking is required from traditional problem solving. Values become even more important. Problem solving usually implies a return to the situation before the problem. That is not possible for an individual or a corporation.