Dave, the impact of our economy is a gamble for all including our businesses and all that we have invested. Let's look at what we have to do moving forward and not look back. Let's take action and be held accountable. Documenting is very important in several aspects. For example, setting your goals for your business (or your personal life)- without an action your plan is a daydream. Write things down, document. You talk about free advice, that is great and wonderful- pay it forward. However, when you are educating yourself to improve, be better, more knowledgable there is investment whether it be money or time. Document your finances or your budget. Do you know exactly how much debt your have (keep your business expenses seperate if you are a home based Entrepreneur)? Do you know exactly how much interest you owe? How much time this will take to pay this ALL off? Do you want to be debt free (including your mortgage) and still have a thriving business? These are key questions you need to ask yourself, "knowledge kills fear".