. Use Present Simple, Present Continuous or Present Perfect. Hello Nancy It (1) _________ (be) time since my last letter to you. I (2) ____________ (still/work) at ABS and the company (3) _____________ (do well). This is very fortunate as many of my friends (4) ___________ (lose) their jobs. Our savings (5) _____________ (take) a disastrous dive because of the economy. I (6) ____________ (know) the situation everywhere is difficult and I (7) __________ (be) happy I still have a job. My friend Michael and his wife Georgia (8) ______________ (now, live) in Virginia. Michael (9) ______________ (finish) studying massage therapy. He (10) __________ (run) a small clinic in partnership with another woman. He and Georgia (11) _____________ (look) for a full-time job, though, as they (12) _____________ (lose) money also. As I say, many people (13) __________ (have) a hard time now.