Mr. John Hennebry:

In my own personal experience, I have recently suffered a spate of depression. For a week or more, I could not get out of bed. Creditors who have been paid, having heard this on the grapevine, are no longer supplying our company even though we have no bad credit history with them. This is having a knock-on effect for projects on which we depend to work ourselves out of this situation. My father is the second generation and I am the third generation in our company. My father is 67 years of age. He was hoping to retire but it does not seem like that is going to happen now. His legacy, which he was expecting to leave me, my brothers and my sister, is gone. I know of companies that were in the group but are not longer in it because they are no longer in operation. One can only imagine the magnitude of wrecking this has done throughout the industry.