Being so far in debt that you don't know what to do. Losing a job that wipes out your savings, getting another one and some hope, and then losing that job and then everything else. That takes an emotional toll on your self confidence and self worth. Michael, Heidi, Ingrid, Hope and everyone else there did just as much to repair my inner debt as they did to help me shed my outer debt. Thank you!! I will never forget your jokes, kindness, and the bird!!!