Ever have one of those days where you feel so overwhelmed and discouraged that you seriously start considering a business model for selling puca-shell necklaces on a beach in the Pacific? Yeah, that was me yesterday. By the time 6 p.m. rolled around, I felt so low, I was ready to put 20-percent down sight-unseen on a hut without indoor plumbing. But then something excellent happened. Well, in fact, four excellent things happened. A young single-mother I know got a job offer s