There is always a light at the end of the tunnel, but some tunnels are longer than others. We know that the difference between a rich pessimist and a rich optimist is that the former inherited his wealth. (I apologize to those great people who inherited a little and multiplied their small fortune many times and thereby bestowed honor on their benefactor and proved their own worthiness). This is not a time for doom and gloom. It is not a time for hibernation, self- imposed paralysis or, heaven forbid, self- administered euthanasia. It is a time of immense change, of world