Hopefully, you haven't been dumb enough to make any major purchases lately, because you might not be able to pay for them with the new reality that is upon us. I still see new cars in the parking lot, that might be getting repossessed once the 50 hours you are used to become 35 hours or less. Even worse, I hope you didn't buy a home. Lots of unhappy people right now wondering "what happened?". Too bad they weren't paying attention.