What is the economy like where you are? It is getting a little scary here and I am afraid it is going to get quite a bit worse before it gets better. I work in a government agency and this is the worst it has been in 24 years. As a starting point all agencies have to cut 15%, this is after we have already taken major cuts and there are more coming. Unfortuantely we are now into cutting programs and services. My husbands company is in a negative percent (he's in sales) across the country.