[Poohbah]

A consulting business doesn't require a ton of capital.

[RAT Patrol]

With oak cabinets, a big desk, a computer and shelves for machine-design software, he has built a handsome office in his basement for Professional Aerospace Consultants, the business he started three years ago. But he completed his last, small contract in December.

Here's the capital. It consists of cabinets, a desk, a competer, shelves, and some software IN HIS BASEMENT. That's not what jacked-up his debt.

[RAT Patrol]

This shows how they think: Mrs. Salter is one of those calling on local charities. She needs dental work and help with her ulcer. She wants help with a place to stay when the house is sold. She and her husband might need counseling because of the strains of unemployment on their marriage. "We're having a rough go," Mr. Salter said.

Their 10-year-old daughter, Kara, may need help too. She has been acting up over fears of losing her friends, her pets and her home.

Perhaps the dental work and ulcer are emergencies, but counseling? Go to a church and get it for free. Call a friend or family member. We can't be required to pay for the counseling of all sad laid-off workers.

If they expect charities to pay their rent, what are they planning on doing with the $40,000 they get from the sale of their house?

And true friends don't dump you because you move. Give you kid a hug and tell her she is loved no matter what.