TRUE STORY: I once worked for a mAAjor accounting firm that was indicted by the U.S. DOJ, vilified by the news media and reduced to nothing in a matter of weeks. As things were going south for the firm, we had a conference call with one of the senior partners. He mustn't have been aware of everyone on the call, because he cautioned us against buying a summer home or replacing the old boat that year. I was wondering how I was going to pay my first (and only) mortgage!