I lost a lot of money in this down-turn, both in investments and income.  I still love my financial advisor.  Why don’t I still love my office?  Maybe because everything that was wrong is magnified.  Maybe so many are gone that I don’t have many contemporaries.  Maybe we are all waiting for the axe.  Maybe we are too stressed, and too tired of being stressed, to goof around.  Maybe goofing around was ok when we had more work than we could handle but now it seems almost like putting a sign on your back that says “I don’t have enough work, so I am unnecessary overhead.”