As the crisis progresses, and with it the gradually increasing underemployment and unemployment and the partial shift of value production from wage labor to the informal sector, we can probably expect to see several converging trends:  a long-term decoupling of health care and the social safety net from both state-based and employer-based provision of benefits; shifts toward shorter working hours and job-sharing; and the growth of all sorts of income-pooling and cost-spreading mechanisms in the informal economy….