Speedy, my concern is that if my Dad hits rock bottom, he will kill himself. His mortgage is 8000 dollars behind and he has a a half a million dollar house that he could have afforded because he was a dentist before. Now he's not a dentist, he gets disability payments of 2000 a month, and the mortgage alone is 1950. Within a month or two he will lose the house and be out on the streets because his family won't take him in. =(