To add to my response of yesterday in the "who really needs the business" thread in ISO:
http://www.eccie.net/showthread.php?t=449441&page=22
There is a well known seasonality as many posters have pointed out. Loving Kayla once posted a very good thread on this (may have been the old board), and the need for providers to set money aside for the Sept.-Dec. slump. The holiday season is actually considered worse than the back to school season.
Those who suggest travel to cities with fewer providers may have a valid point, but those cities need strong economies to start with.
Good luck to all, but above all, don't compromise safety due to the tough times.