Lori...You were right on target with your responses to both Dan and Kathleen. And yes, I believe there is a certain amount of fear even among the readers of 2020 because so many have written to me direct without copy to 2020. Contrary to what you might believe, there is no segment of the population immune....there are business owners and non-business owners, students, blue collar workers and even professionals because when misconduct can be directed at ANY citizen, it places ALL citizens at risk.
Jim....you should never listen to rumors. Trust me, the Titanic went down like a rock. And that's only the tip of the iceberg.