seeker, you're welcome. may i say one more thing? i don't know that i'd use only the excuse that you can't afford it. she may slip you money or something and then that excuse it out the window
i would probably say that with the workload i just can't do it. if i even tried i wouldn't be able to enjoy it because i had so much work to do, and that it's just not possible as firmly and nicely as i could. maybe she'll feel for you and grab you some great rocks!
gl hon