After being laid off from five different jobs in four months, my Uncle Joe was hired by a warehouse. One day he lost control of a forklift and drove it off the loading dock.

Surveying the damage, the owner shook his head and said he'd have to withhold 10 percent of Uncle Joe's wages to pay for the repairs.

"How much will it cost?" asked my uncle.

"About $4,500," said the owner.

"What a relief!" exclaimed Uncle Joe. "I've finally got job security!"