Financial and banking institutions are expected to lead the recovery through the services sector and knock on to the rest of the economy from them. However there are fears any up turn could be short-lived and we will have to brace ourselves for a further downturn before many people feel any improvement in their fortunes at all. The image shows the regular party materials champagne, banners, balloons, streamers, funny glasses, rockets and fireworks. Commercial property comment for Estates Gazette Magazine.