It sounds like you have made some good choices and have some options to get you through this downturn in the economy. I hate listening to the news any more because it is one story after another about how bad things are..........and the problem is, they are bad. I know so many hardworking, honest, qualified people who can't find work that it breaks my heart. Up until August of last year I was among the ranks of the unemployed, and I used to have people calling me at my job offering me a new job. That all went away for two years, and I feel so fortunate to have my present position.

Keep your head up, things have got to get better. Lots of your fellow Americans are in the same boat right now.

Don