This message is directed to Rick, or anyone else with info. Responding to Rick's message dated 1/19/2009, no money for profit business. You mentioned that there may be some exceptions. Educational. I own a Franchise (supplemental/tutoring) and have been seriously affected by the economy. In short I may have to close my doors. What bothers me most is if I must close it will negatively affect kids/students that desperately need these services. Or they will fail academically. These are otherwise good kids. Is there no one compasionate enough to lend a helping hand.