in response to wowJUSTwow...I agree with you 150%. I am a single mom and working for years. I just lost my job and am looking for another one but there is nothing out there. I have a mortgage of 95K due and am looking for help myself. I worked so hard so that I can leave my child something when I leave this world but now all I will probably leave her is a huge debt. I don't sleep or eat well anymore and am devasted.