Downsized workers are likely to have to take pay cuts to find new work (or, in the current economic slump, may face long-term unemployment).

FORBES: The Discussion We Should Be Having About Bain

This will help you identify and take action on growing the skills needed to achieve your true long-term career goals, whether or not they involve your current company.

FORBES: Creating Your Professional Development Plan: 3 Surprising Truths

Debt-service coverage is defined as EBITDA, or earnings before interest, taxes, depreciation and amortization, relative to the current portion of long-term debt and interest.

FORBES: Two signs private companies are stronger