Admin, i feel for you brother. i know exactly what you are going through and there's nothing i can say to make it not suck. hope you make everything work for you. ken, i also can relate to you, once again, there is nothing i can say, but i can relate. i also was making 120,000.00 a year and i was injured in a industrial accident, was off work for 2 and 1/2 years and now i make about 50,000.00 a year but i still have the bills i had when i had money. thats why i buy the reps. it sucks brother but i'm sure we will survive. good luck to you all.