Sat down last night and did some quick figuring on the old PC, based on the cost of living and the current economic crisis, we gotta cut atleast one job in the family and have that person be a Mr MOM or Mom in house to do the chores, the day care is astronomical and with the price of food and fuel, well, let's say we've been brown bagging it the last 8 months or so and the price of a cup of joe is considered a weekly luxury for me......With one job out maybe that will kick us into the Home protection mortgage program and maybe we can get our heads above water since we took a hit on the de-value of our home....WOW!