You’ve heard the news about Delta filing for Chapter 11, but what does it mean to you. Although most of the news has concerned the effect on individuals, Delta’s bankruptcy will also influence businesses. People just want to know what happens. So, Clark is here to tell you that nothing happens. Airlines have had a long history of seeking compensation and protection from bills when they file for bankruptcy. This is just another chapter. If you’re holding flights on Northwest or Delta, your flights are fine. The only caveat is that holiday travel can be severely disrupted when an airline files for bankruptcy. So, Thanksgiving and Christmas this year may be tough. It’s common for airlines to eliminate 15 to 20 percent of their aircraft when it happens. So Clark recommends reconfirming your schedule a month and then a week before you go. You should also break your addiction to using Delta’s and Northwest’s frequent flyer programs cards. You never know what could happen with these programs, so stop trying to earn miles. If you have miles, use them! Also, people are speculating that Delta could be absorbed by bankrupt Northwest. But that is pure speculation. Employees are going to get eaten alive. There will be paycuts and layoffs, just as there were at USAir and United. This is the unfortunate part. Employees always get hit the worst. But for consumers, it will simply mean better service. Just don’t buy into the speculation about buying stocks. The stocks are worthless, and that is just bad advice. Clark hopes the employees of the companies end up okay, but it’s going to be tough before it gets easy.