By l.t. Dravis

SOMEWHERE IN CALIFORNIA – Friday, November 21, 2008 – Janice’s life as she’d known it for more than twenty years ended last Friday.

The end came as a total surprise on what she expected would be another challenging but rewarding day at the job she loved almost as much as she loved her husband and their daughter.

Forty-six year old Janice had been an account executive since the summer of 1986 for a small but successful ad agency. She was responsible for managing print advertising for a regional association of car dealers. She considered her customers to be family and thoroughly enjoyed every opportunity to help them sell as many cars and trucks as their markets could absorb.

Janice had been at her desk for about an hour, working on her schedule for the following week, when the owner of the agency, Marilee Banacek (not her real name), came in and asked a rhetorical question, “Got a minute?”

“Sure do,” Janice said, waving Marilee in with a smile. “What’s up?”

Marilee bit her bottom lip, looked away for a long moment, then sat in a chair in front of Janice’s desk and said, “There’s no easy way to say this, so I’m just going to tell you, straight out: I’m shutting down the business.”

“What? Shutting down the business? I know things are tough, but . . . ”

“The factory just announced it’s cutting off funding for co-op advertising.”

“Is this temporary or . . . “

Marilee sighed, “I got an Email early this morning announcing that, effective immediately, the factory has terminated all projects and canceled all progress payments.”

“All projects, all progress payments?” Janice asked.

“Yup,” Marilee said. “All projects and all progress payments, including last month’s check and the check we were supposed to receive next week. I’m maxed out on my credit cards, American Express has been calling, and I’m upside down on my house. With this credit crunch, I can’t borrow any more to keep things going. So, after thirty-two years of working six and seven day weeks to build this business, I’m 64 and broke.”