I have the threat of a layoff hanging over my head. Nothing is definite, but I figure in a month I should know something definitely. After the initial shock, I'm now getting used to the idea, and I am actually looking forward to it. I could take more classes, trips, work on the yard - my health insurance would fly out the window, which would not be good. Plus, I know two folks with stable jobs who recently got laid off - where would I get another job? But I think I would welcome the challenge.