I don’t profess to being any expert at this. Seems more like using common sense and remembering the sorts of things your parents taught you about how to treat people. Advantages we’ve got, though, I suppose are that we are a small shop. One way or the other either I hired these people or my partner [Andy Johnston] hired them. Hiring someone creates a bond of some sort, an informal contract. Not something you take lightly or that we’d think a person we’ve hired takes lightly. 

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Payroll is down against budget because of layoffs in December. Here’s why we changed the deductable on the health insurance because, Christ, look at these five year rate increase trends. We’ve got money in the bank. The credit  line is in place. We’re going to be fine but it is going to be tough for a while. Or, in recent months, forewarning that hard decisions are ahead and here’s what’s on the table. 

Dan