On a bench outside the First United Methodist Church, John Hammond, 52, sits clutching a black lighter and a slowly burning cigarette. Across the street, people mingle at the bus stop, their hands shoved into pockets, their faces downturned against the cutting November wind. An empty Styrofoam cup drifts down the sidewalk, colliding with the skittering leaves left over from fall.

The sound of buses makes the otherwise quiet street sound monstrous. Groans of engines and the screech of brakes echo against the stone face of the church. Women in business suits pass by, walking quickly and avoiding eye contact. Men in shaggy coats nod and say hello.

Hammond's bright blue eyes see it all from below the brim of his red and white baseball cap. "I worked all my life," he says. "My background is psychology and business management from IU, with 25 years' management experience. You wouldn't expect to find somebody like me down here. But it can happen to anybody."