The last few months had seen many unexpected changes in our lives. The night before Katie was supposed to leave on her business trip she received a phone call from the regional director of the bank who informed her that her services were no longer needed because of downsizing. It was later reported in the news that over 1500 employees were laid off including upper management with blame being placed on the current economy. We had read so much in the news about the economy that we never thought we would be part of the unemployment statistics, although with Katie being so involved in the banking world we should have seen the writing on the wall.