I thought that all of the sacrifices and blessings of the whole history of mankind have devolved upon me. Thank you, God.

Sleep more at night. If it's allowed at work or home, take a nap in the afternoon. You'll be amazed at how much better you'll feel.

Yes, Americans can still get credit for cars and trucks and refrigerators, and those businesses are doing well. But just try to get a home loan now.

Americans are terrified because so many of them have been laid off in recent years and months and they fear that they may be next. Even if they have not been laid off or have not known anyone laid off, they definitely know someone who has lost his home.

The ordinary American - as far as I can tell - knows so much less than he did fifty years ago and has such poor work habits compared with fifty years ago that the average multiplicand of knowledge/capabilities is a much smaller number than it was in 1961.