Just out of curiosity:

Are you cutting back on your PERSONAL spending (not talking about your
company or business here)?

And if so, on what types of things?

1) Yes
2) Dining out (not going out as much). Putting off any major non-
housing purchases (ie, no more new electronic gadgets for the home, but
still plan on purchasing a few new house items such as crown molding and
ceramic tile for the bath).