As some of you may know by following the forums I had surgery. I am presently going to physical therapy. Last week I had a substitute therapist. We got to talking. He was a carpenter in a previous life and got into healthcare when the construction bottom fell out. At some point in time, he didn't pay his mortgage for 6 months, which qualified him for some "reassesment". They put his deliquent payments on the backside of the loan. OK fine, no big deal. Then he tells me he just got a call from his bank. The "tax payer funded help the deadbeat act" is going to payoff $80,000 principal on his house note. WTF!!! In my estimates, that's probably the hit in depreciation he took since the housing bubble burst, because that's about what I lost on my house. It doesn't pay to pay the bills.