Conchalea and Petthefabric, I am so sorry y'all are going thru these bad patches! I just survived one of them myself this month. Emergency dental problem that ending up costing a very big bundle! (It ended up costing more than 2 new refrigerators! I've bought new cars for less in past years.) I spent the past two weeks going thru lots of figuring and financing hoops to get it paid. Yikes!!