 An owner of a Consumer Insights research firm couldn't pay her employees, make Friday's deadline to sign a contract for a new business, or send key research to a key client. A psychiatrist who runs a virtual mental health practice in Maryland saw his businesses hobbled as some of his virtual assistants and therapists couldn't either make phone calls or log onto their computers. Businesses from airlines to hospitals have been grappling with a faulty software update that caused technological havoc worldwide Friday