Thanks wayne I appreciate that. and yes same here It is very hard to trust, as I have said before in another post, it has been worth every cent that I have spent just for the education here. so I can take comfort that it's not a total scrap.
and also, hubby was just laid off so this to me too is our only way to retirement, I am scared!!! I wish everyone well with this, and hopefully we will get the break we deserve.
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