Thanks guys.

I really didn't see this coming. I do not have an adjustable rate mortgage and have "owned" the home for going on 12 years.

This is probably going to turn into a down-sizing exercise. I am planning as best I can to simplify and reduce where it makes sense aand to invest more where it could make a difference.

My activiies in the last few months have included increased participation in community and in survival learning through a regional park system that is largely free. I am helping grow a tracking /survival skills club and Yahoo group. I have added walking meditation in reltively wild outdoor locations with an emphasis on relaxed and deep connection to the spritual.

It all helps.

I think this is an opportunity for some re-invention of how I invest my time. Working harder has not turned out to be working smarter.

For all that I think the Creator is gently insisting I learn some lessons. Hope I can let ego go enough to be a good student.