Oh SJ everyone has hit bottom and has to climb back up you really want to know well here is my life years ago we had a beautiful house and our wonderful government said here put this urea formaldehyde insulation into your house here’s a grant well my one son and I got sick from it and then all of a sudden they say it’s not good to have so now we went to bank to see about getting it out well we were told house has no value because of it so we decided to give it back to bank husband went bankrupt and we moved to an apartment on Parkhill road in August and started saving money again then October 31 Dennis was taking boys tricker treating well a car hit our son this was 1982 he died and the next day government called and said will help taking out insulation a little late and then hubby worked at GE and got laid off middle of November so we had a funeral to pay for and Christmas coming up and had 2 kids at home and expecting another well in March 1983 our son was born and in April we had bought a new house for us still living there and the bank forgave husband bankruptcy so there is the turn around ya know my mom kept saying these are all character builders.