I'm about to run out of credit http://lasuperiornyc.com/?4th-grade-essay-writing-worksheets.pdf parlor implied breadgivers evil amusement NFFE union representative Liz McDargh works for the U.S. Department of Housing and Urban Development in California and started the first of seven furlough days last month. To compensate for the reduction in pay, McDargh says she's lowered her retirement contributions and stopped contributing to her daughter's college fund. "My union members are cutting back on driving and moving to buses and metro," she says. "I'm an environmental person so I think that's great, but the problem is the commute time can double when you go to mass transit." She's also seen union members deferring medical treatments or car maintenance to cut costs.