Hi. The reality of a situation is hitting home. I really f'ed up something.

[Denninmi]

2. Thanks, Tobin.

Hey, sorry to hear about your stress and financial issues, too. I know you are going through a rough patch there.

I need to use this as another teachable moment in my life, so I can be more responsible in the future.

Yes, I know this is a big bipolar thing, plus frankly, I think it's a guy thing to like shiny new expensive toys.

I know, another soft landing in one sense. I can pay it all off in the time it takes Treasury Direct to process and deposit funds in my account. more years of cat food in the future though. i knew better, but said oh, to hell with it, "they are going to take everything away from me anyway". - which people like you told me was completely irrational. The power of fear can be overwhelming.

I need to get this over and do a fresh start in 2013, with a realistic plan and systems to carry it out.