Thanks Reno... one way or another things will work out. That is my faith so long as I do my best and maintain a right spirit in the process. If my intention are right than the outcomes will be right. I have had moments of giving up and feeling defeated but that sun keeps rising to a new day so eventually I find myself rising with new hope and determination too.

I know a little bit how difficult it is to be considering bankrupcy. I have a couple of friends who went through it and it was very trying indeed. But for grace I could well find myself there too but so far I have been able to hold it off for now.

I think it is important that you do your best to keep your pride in check through the process of deciding what is best for you and your family. Try to make the decision without considering how it makes you feel but keep regarding it as a necessary business decision. Secondly try not to villanize the banks or anyone else to justify your decision. It may well be justified but again it is a pride reaction I think and will not really be very satisfying. If pride is out of the equation a villian will not be required. It is what it is. Circumstances are what they are. No need for guilt or pointing fingers. Those emotionally charged ideas just make you a victim and victims get zapped of energy very quickly.

You are wise and strong and able to do what has to be done one way or another. You are taking it slow and that is probably the wisest thing you are do above all else. Don't let it get you down because the day will come when this is all history and you will be in a better place looking back. Visualize what you want to look back at when this is all said and done and behave your way into that place.

You are a good man and your intentions are honourable. Nothing more can be asked or expected of you. Keep the faith and you will know the next step you need to take in time to take it. It works that way.

Thank you too for your support and encouragement. It is strenghtening somehow to know we are not alone. Gives hope that many others have been where we are and have survived and thrived. So shall we.