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Financial Crisis is hitting hard on AdSense publishers regarding earnings; with low CTR and eCPM
That is because there is decreasing number of advertisers and remaining advertisers are bidding so low.
The few number of ads. will have an impact on CTR where people does not see different ads so, decrease clicking.
I think this crisis will last for a long period, 5 or 6 months.
For me I have this month Jan 2009 : 1/3 eCPM of usual and 2/3 CTR of usual !!
this causes more than 1/2 cut of my monthly revenue from adsense.
I think the only solution now is to improve placements and colors and look forward, and be optimistic that this crisis will end as soon as possible.

God help us all.

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