I am appalled by this statement from your T "She said most people never think about how something will affect anyone else." I did not find that to be the case, most of my life. However, I've seen that kind of mentality in recent years. I've now been hurt beyond belief. How callous and obnoxious it is. Unfortunately, I am beginning to think that the "nice people" of the world need to learn to be cruel and heartless if they are to survive. I don't like saying that but it seems to me that it is the way to go. I don't know if I can do it.