We are asking each business unit to manage their work flow, which means managers' jobs have been eliminated, not the union positions, and we have eliminated contract work,

We think their behavior is outrageous for normal business commerce. Essentially they have refused to negotiate with us.

A lot of people who get laid off from corporate jobs end up doing some freelance work, ... But people who are coming from a job with a paycheck are not knowledgeable about the expenses they can file on Schedule C. They should familiarize themselves with those deductions. If they have considerable self-employment income, they can set up a Keogh or SEP IRA to shelter some of the income from taxes.

Business managers don't want to come here because you have a former business manager on the board,

Managers at headquarters now have an up-to-the-minute picture of how every part of the retail business is performing, which has aided accountability and helped shape strategy.

Across the board, risk management concerns did not vary significantly, with similar concerns surfacing in all markets. Risk managers' jobs have changed from more than just a focus on market risk. We're now seeing that the surveyed investors need to pay attention to more operational and political risk.