I have noticed that people are more subdued since the tragedy. Our focus seems to have changed. An attack such as this on our own soil has had a sobering effect. The first couple of weeks, we all seemed a little depressed. It has gotten somewhat better with everyone trying to get back to normal, but I think we are going to feel the effects for a long, long time. I have talked to many business people and it is astonishing to hear how many say their business has slowed to a crawl since Sept. 11. I don't know if it is the result of a general weakening of the economy and was going to happen anyway, or if people are afraid of what is yet to come. The feeling of uncertainty may dampen the entire holiday season.