The impact of falling fuel is under appreciated.
"The long-term impact of falling behind on repayments cannot be underestimated".
"The professional fields are going to feel the impact of falling corporate profits," Mr. Brown said.
The long-term impact of falling energy prices is less than clear.
Sir John Browne, BP's chief executive, sought to play down the impact of falling prices.
The negative impact of falling asset markets will have a further reinforcing effect on [falling] consumer confidence.
It said Scotland was largely insulated from the impact of falling oil revenues because it was part of the UK.
If prices fall, this process goes viciously into reverse, and a credit crunch can amplify the impact of falling prices.
Inevitably, our activity this year has been dominated by the impact of falling revenues and cost-cutting measures across the business.
The impact of falling oil prices on thousands of jobs and tax revenues have caused panic in the political establishment of both Westminster and Edinburgh.
It is closely monitoring the impact of falling oil prices on the health of firms dealing in commodities, since higher debt burdens intensify the pressure on banks.
