Not good news: Worries about the prospects for employment helped drive Wall Street's decline Wednesday as stocks continue to fall. The Fed projected that the nation's average unemployment rate would rise to 6.3% to 6.5% this year and 7.1% to 7.6% next year. The level in October was 6.5%, and last year the rate averaged 4.6%. According to economic theory, about 5% unemployment is perfect. That percentage indicates a healthy workforce with about 5% of the workforce in transistion from one job to another, women on maternity leave or caring for children, and labor movement from one industry to another as technology changes and companies merge or divest business units. But 7% is bad. It denotes expectations of a downward spiral, as manufacturing sectors layoff people, who then buy less luxury goods and services, whose privders then layoff people, and so on and so on. Advice for us worker bees? Practice these two phrases: "Welcome to Wal-Mart" and "You want fries with that?"