jen!!!!! you arent a loser... You are a mom of 3 kids....You work full time... come on cut yourself some slack... You are "assuming" that you are a loser, because you forgot one time to to make a payment.... no one is perfect.. Hubby need to step back and see everything you do,do. I know that is easier said than done. I dont think you would have done that on purpose... you try to hard...... you are a wonderful person and a good friend...

dont worry i wont stop loving ya just cause you made a mistake...

((((((((((((((jen))))))))))))