There’s no sense in denying it, these are difficult times economically. Unemployment is stubbornly high, our fractious government can’t seem to agree on how to address our economic troubles, the global economy is in peril, and every day brings more dispiriting news. Some argue that large companies, sitting on huge stockpiles of cash, will be the answer once consumer demand rebounds but how will it rebound with so many people unemployed and with wages for the employed stagnant or receding?…