Kim, you're off to a great start for the New Year. That you have recognized each item you're written is the start to work on them. Been there (recognizing)... doing that (trying) everyday. Regardless to what my wife and I are both dealing with everyday now I often close my eyes and quietly say "Thank you." So many others deal with the equal or more and have little or no means (no insurance either). I think of them often. Wish you a Hopeful New Years.