My T suggested a hospital, without me asking about it, but when I got the price tag, I balked. Started thinking about outpatient supervision -- even before reading Dexter's helpful post -- so I'll just keep investigating the options, see what I can come up with. Both this T and my Florida T say I have a kind of post-traumatic stress syndrome from being hit with too much negative change and loss in one year. Even though 18 months have passed, I'm not doing such a good job of putting my life back together. If I'd gotten a job/income pretty quickly, I think I would have mended a lot faster, but unemployment is hard enough even when one hasn't already lost everything that gave one's life meaning and pleasure. So it goes.

Thanks for the feedback everyone.