It is a challenging time so many businesses are closing. If you are an expatriate in a foreign country and suddenly you receive a letter that you will be laid off, it is like a nightmare. Worse is when you have a family to survive and some payables to meet -- credit cards, loans, mortgaged property, car dues, etc. Unless you are well-prepared for this scenario, it is really unthinkable. Only today, there are some news articles showing contents that some bank branches will close so it means many employees will lose jobs. The closing of many businesses contributes also to this because banks generate revenues by investing the deposits of companies and individuals, mostly employees, that will give high returns. It is sad to know that even the financial institutions that handle money also get vulnerable. Normally when other industries are 'sick', the banks are there to lend resources so they can recover. They play the 'doctor' role. But if the doctor is sick, who...