Good morning from sunny and warm, Virginia Beach. I have not been on cruisemates for the past couple of days. On Monday, my husband, Rob learned that he is going to be laid off from work. His company, lost a major contract with the government so Rob will take early retirement. Rob is fortunate, compared to the younger workers who are being laid off, because he gets a retirement and medical benefits from the navy and our children are grown and married. Unlike many people, we have never lived above our means. I know that with G-d's help, we will "make it" and still be able to cruise. What a wonderul community cruisemates is!