Derek, well said, I totally agree. Most of us here and elsewhere are not 'at the top' and not 'major sellers' so I often wondered why everybody is so concerned with the 'shocking news' the majors spread around. But it's like with all things, be it work, health care, safety, etc As soon as the 'big earners' need to cut back even the tiniest bit it's immedeately 'spread down' to the average person. 'We didn't do so well this years', maybe some idiotic buisness decisions resulted in a huge de-valuing of stock sor whatever.....but it's you as common employee that will have to pay for it. That's just the way it is and I'm certainly aware that it's easier to bitch than to offer solutions (read jobs and better pay) for any business or problems in general. But nevertheless it's REALLY important to be aware of what's really going on and in this way your post was very illuminating.