Q: I have heard of instances in which people received e-mails telling them their jobs were being terminated. That is so insensitive it is beyond my imagination. I also hear about companies holding back money that is due. I understand when companies downsize when things get tight, but I also have heard people say they were laid off because they were older and highly paid, and the downsizing was an excuse to cut them. It seems that some of these things should be illegal for companies to do. How ...

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