There is so much economic gloom and doom in today’s communication. Granted, there is plenty of troublesome news. No one likes to pay $4 for a gallon of gas. No question that fuel prices are driving up nearly every commodity that we purchase. The U. S. dollar is currently quite weak, which exacerbates oil prices. The number of real estate foreclosures continues to mount and housing prices may not have hit bottom yet. Of course, the banks and financial institutions are still reeling from their poor sub-prime loan decisions.