Next door, at the Fast Frame picture-framing shop, where it must be said that nearly every purchase is discretionary, sales collapsed in October and November. But they were "decent" in December, says owner Edwin Castro. "This is a good neighborhood -- lawyers, doctors, professional people," Castro says. By and large, Bank of America ( BA) and Wachovia ( WB), which have their headquarters a mile away, have not yet had major layoffs. But major layoffs are coming, with both companies in the early stages of implementing already-approved mergers. Life and death go on at two nearby businesses -- literally. At a store geared toward babies, the good news is that babies are still being born. The bad news is "they don't need the designer crib," an employee says. The sales decline is double digit. At the funeral home next door, "Our business is going in the hole, just like it always is," says one employee. On the bright side, says another, "Nobody complains." At Dilworth Packing Co., a package-shipping shop, December business is "a teeny bit off," says owner Tom Hinton, with 463 customers as opposed to 485 last year. Why such a slight decline? "Hopefully, good customer service," Hinton says. "That, and Emory -- I've never seen him not smile." The reliance on Spears is not entirely overstated. For small Dilworth businesses, Spears is in fact a primary connection to the world's economy. He trots in and out of each business, a kind word or joke for everyone he sees, "a hello darling" or a "lucky you, getting off at 4 p.m.," showing patience while an owner is reached on the phone to authorize acceptance of a COD package, and truly slowing down just once -- to try to convince an employee at a medical business to shift the office account from Fed Ex ( FDX).