<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"> <HTML><HEAD> <META http-equiv=Content-Type content="text/html; charset=US-ASCII"> <META content="MSHTML 6.00.2900.2604" name=GENERATOR></HEAD> <BODY id=role_body style="FONT-SIZE: 10pt; COLOR: #000000; FONT-FAMILY: Arial" bottomMargin=7 leftMargin=7 topMargin=7 rightMargin=7><FONT id=role_document face=Arial color=#000000 size=2> <DIV>To look at how far we have fallen in this respect, I am a federal employee with 26 years in, an old fashioned pension, affordable health insurance, etc.  My wife is a school librarian, member of a good union, tenured, with paid for health insurance, yearly raises, etc.  We were able to easily afford a $425K house in NJ (small, but this is NJ), without significant savings, high CC debt, all on the strength of our job security and yearly raises.  I can't imagine how people out there in the real world are coping.</DIV> <DIV> </DIV> <DIV>Sergio</DIV></FONT></BODY></HTML>