My heart goes out to anyone who has had their working hours reduced, or worse, had their employment terminated as a result of the economic downturn. In many ways I am thankful that I have been retired for several years, but the income from the small private pension provided by my employer has been severely reduced, as has the income from my meagre savings/investments. For this reason alone I have put to one side all thoughts of ordering more kilts and accessories for the time being.

Take care,
Ham.