When Robert Morey, 43, was laid off in May from his $90,000-a-year wine industry sales job, he wasn't terribly worried about making ends meet. His severance package would carry him through September, and he had reserves in his checking account and stock he could sell if need be.
But by late November, the economic headlines had become increasingly gloomy. Worse yet, the Napa, Calif., resident hadn't been able to find comparable work and his stocks had become next to worthless.
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