My brother -in -law is a contractor and he was building custom homes ,now he's doing handy man jobs for a lot less money. I work in the food business and deliver to chain stores, at least people have to eat so my job isn't in jeopardy yet. what bugs me is knowing people who max out their credit cards and have nothing to show for them and absolutely know they live a life style that they can't afford and now their paying through the nose in interests and some have filed for bankruptcy! The mortgage lenders saw a fat cat during the housing boom and they don't want to take a fall , Hey, it's like gambling you pay the piper if you lose. Politicians get money out of this mess,too! I'm writing in Bill Cosby as he's the only one that has any BRAINS!