The latest Labor Dept. job-loss figures came out Friday, Mar. 27, and they were predictably grim: Seven states now have unemployment rates of 10% or higher. And next Friday, Apr. 3, economists expect the federal government to report that another 650,000 jobs disappeared nationwide in March. But the official statistics don't record the misery of people like Lauren Bender. Bender is a 47-year-old Manhattan resident who has worked on and off developing investment tools for Charles Schwab (SCHW) over the past eight years. That job provided about 90% of Bender's income, which she says kept her "very well compensated." But starting last summer, Charles Schwab has pulled the plug on the three projects she was planning to complete, and her income from the company has dried up. Now, Bender is looking for other work to meet her monthly mortgage payments of about $3,400 for an apartment she bought two years ago