richdor-I just want to say good luck to you. I too have had thoughts of whether I was doing the right thing. But, it's done and won't change now and I'm glad I stuck to my guns on this one. The days leading to 9-25-09, (the last day I could back out), were nerve-racking for me to say the least. I couldn't sleep well, eat right, nerves all torn up!! But after that day passed and I didn't fold under the pressure; everything has been great. The only thing I think about now is how to make the money go further since it's no where near what I was making. I have faith though that all will be okay. The Best of Luck to you with your NEW LIFE!!