[Belle]

I agree with Sidney. My NY home is in the Hudson River Valley region that has seen a rapid growth after 9/11. However, I am hearing of more foreclosures in this area. I personally know of 2 very well educated young men who have lost their jobs. My son-in-law had to struggle to get his Masters in education so that he could have a more secure job. Now they struggle to meet their mortgage because income is lower. Most of my friends do not want to look at their 401K's. I have always been a conservative investor, so I still continue to earn on mine. I have been blest and am comfortable, but I see many around me suffering. It is time for us (who are secure) to help those who are in need. If you know of any food pantry in need of help, please let me know.