NEW YORK -- The first phone call comes 30 seconds after Kim Hall arrives at her desk. She groans, chases two Tylenol with a gulp from her extra-large coffee and sweeps her bangs away from her eyes. She reaches into a drawer and grabs the notepad that contains what her colleagues refer to as "the tally of destruction." After the third ring, Hall grabs the phone and presses it to her ear. It is 9:03 a.m. on a Wednesday, and another day of economic collapse has begun.