from NYT: "In Hard Times, Fear Can Impair Decision-Making"

from Gregory Berns: see: http://www.nytimes.com/2008/12/07/jobs/07pre.html?_r=1&ref=todayspaper

in particular, the conclusion:

"...And right now there are incredible opportunities to do something differently. Yes, they’re risky, and some will fail. But while others wait for the storm to pass, I’m busy expanding into new areas. If I wait for money to start flowing again, the opportunities will have passed."