Thanks Kevin.  Very important points, though I may have a slightly different perspective.  Doesn't a little anxiety do us good, especially in a competitive market?  I think a little positive stress can motivate action and generate innovation.  But, your point that this should be tempered and balanced is well taken, and on that point I fully agree.  If we swing the pendulum too far in either direction (too much anxiety or absolutely no anxiety), we are likely to have unintended consequences.  Thank you for your great comment.  - Alan