Amy, I do have a pretty large house (in NJ). 3 bedrooms and a finished basement which I rented to a young woman (22) who had all her friends coming in and out of the house (will never do that again). Also, it sucks to have to have a pic line (sp)? in around strangers. I get so embarrased and depressed when I am forced to "open up" all my CF secrets in front of someone else. Anyway, I do have a 401K and a portfolio of stocks to hit up in an emergency. I was reading your 401k question. I didn't want to lose money either but now it was probably one of the best decisions I ever made. I am sooo sorry about your Jeep. I think we all have enough to deal with on a daily basis and believe God should give us a break and let us have some things to make our life easier. <img src="i/expressions/present.gif" border="0">