[sgt101]

I think that there is a chance with job security - if you step down you leave the "core group". On the other hand I've seen a lot of people panic about being let go and then realise that actually they have the savings and set up to let them come - abet at a lower "standard" of living than before (no new BMW's, no new 75" TV's, etc). There are limits on this though - especially for folks with kids or dependent relatives. Some people are flogging themselves and living in fear to make other people's end's meet, so to speak.