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.