You're going to be losing a large portion of your white collar workforce, your engineering and design talent.

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If you drape it around your neck or over your head, or for the athlete, around your neck with the ends tucked inside the collar of your shirt, it does wonders, without getting in the way.

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In this strategy, called a zero-cost collar, your costs are limited to your transaction costs alone, since your proceeds from selling the calls will zero out the cost of the puts.

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Compare this with an interview your correspondent had with a blue-collar Texan last year.

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Does your electronic device have you a bit hot under the collar these days?

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Make sure your cell-phone number is on the pet's collar, in case he gets lost.

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Now, it's true that not long ago, you could drop out of high school and reasonably expect to find a blue-collar job that would pay the bills and help support your family.

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For instance, if your supervisor wears T-shirts, you should consider adding a blazer and a shirt with a collar.

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"It takes a couple of years, but then you can pretty much write your own ticket, " says Jay Wommack, president of Vertical Alliance Group, a placement service for blue-collar jobs.

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