I'm in banking and our business has dropped as well. We're seeing more customers who have been laid off, have lost their homes, can't pay their bills and accounts that have been charged off.

We are operating with the minimal number of employees; people are being shifted around, sometimes we don't have coverage, and I have gone to part-time status, but that was my wish.

The company has tightened up on ordering supplies, we are forbidden to have overtime, and incentive programs have been altered considerably. The budget has been cut for lots of different items and we are making do with what we have.

My husband is self-employed and his work has dropped like a rock. Not much house-building going on, so trim carpenters are not needed.