Thanks, Lori. I appreciate it. Thankfully, most people are in good, if not excellent (like you) housing situations. Or, like me, pretty much at the moment, non-urgent ones (as in, we can comfortably make our payment, but probably should/need to plan).

The scary part is sooner than we think it's going to flip to the opposite. We need to do something. And since it's unlikely that there'll be a collective solution or one from government, we have to act individually. It's really sad that it has come to this.