A lot of business executives have a hard time getting away from the job and when you own a small business, the returns are very close.

These results reflect the general state of uncertainty that is prevalent in today's economy. Employees appear to be feeling the effects of the daily business news reports that are of concern to all Americans, from the boardrooms of Wall Street to the halls of Congress and the White House.

Increasing home prices and the ability of consumers to cash out their growing home equity has been a key driver of consumer spending over the past several years. As the housing market slows and housing prices stabilize, consumers are less likely to draw on their home equity, suggesting consumer spending will also decline.

There is less enthusiasm to borrow and we think that is going to translate into lower consumer spending. In fact, 19 percent of Americans now say they are worried about making their monthly payments.