No, I'm not saying that there has been failure. Just that not everything works out all the time and you have to learn from it and become stronger. Just as you say she is already.

I also know of some people -- my neighbor, for example. An architect with a very nice wife and two kids...and his house is being foreclosed because he bought "toys" instead of making the mortgage payments. We're waiting to see if Daddy can bail him out, but there's nearly USD 160,000 owing on the house (I know this because the Trustees' Sale has been advertised in the paper four times now). Educated, an experienced professional, and he's losing his home. Of course, he'll still have the two pickup trucks, the golf cart, the fifth-wheel trailer, the two jetskis, the two snow machines, the.... He's one that I'm afraid won't learn from this.