Jim is home from his meeting and for the time being all is well.    They are making major changes in their routes and travel times and they are no longer allowed to keep the trucks at home (adding at least a 20 minute drive for Jim to pick up the truck in the morning and the same at night)  and there will be some major  reduction in hours for all of the men, rumored to be cutting their hours by 50%.   &quot;The boss&quot; insists there will be no layoffs but that is not the news we get from Deb and she is an officer of the bank and Jim&#39;s boss isn&#39;t so we will see.<br /><br />The hardest part is Jim (at 67) is the second youngest man there.   Two of them are in their 80&#39;s and 4 are in their 70&#39;s so chances of finding another job are slim to none for them.  Two of the men (Jim&#39;s partner is one of them) have seriously ill wives and they need the supplemental medical insurance through the company.    We have our medical insurance included in Jim&#39;s pension so we are fine in that respect.<br /><br />So we wait and see what happens next.