The calendar says it’s Halloween today, but if you ask most lawyers and business people what scares them most right now, it’s not ghosts or vampires or machete-wielding guys in hockey masks, but the economy.

It’s understandable. The economic landscape that existed just six months ago has been radically altered by events. Investment banks have tanked. Other banks and big businesses have been swallowed up or needed a government bailout. Credit is tight. Debts have been called in. The stock market has been a roller-coaster ride that has been anything but fun — the kind that reminds you what it was like to be 24 again. Not because you feel youthful, but because that’s about how much you had in your 401(k) back then.

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