Four months into the financial tsunami, all seems calm, on the surface.  Few mass sackings, empty shops, no wild market fluctuations and plunging property prices. But too many people have lost too much money. And new grads and other job seekers face a grim future. So how are people coping and are things getting better or worse? A university degree in finance and economics, a chartered financial analyst designation, these used to be open sesames to fat salaries and bonuses. But Alibaba’s made off with the treasures. What are the prospects for the so-called gold-collar industry?