As an attorney I can tell you that things are DISMAL. Noone has money to pay me. I have started a number of cases in which clients became unemployed and can no longer pay fees, or can only pay portions of fees. Recently I had an architect in here wanting to collect money owed, and when I told him the cost to file and serve a lawsuit (did not get to my fees) he said he could not afford it. I said to him that he could just set it aside on his next project, and he burst into ters saying he had completed his last blueprint a week earlier and that he had no ward coming in at all.