Noel, very sad to hear this situation. Thanks for sharing. I posted recently with concerns of the ill conceived CRS, in particular what happens if there was a further downturn and the view that there are a multitude of more worthy causes to focus on for those fortunate enough to continue working......a poignant example and I am sure more examples of hardship and individual difficulties will surface....as has been said, consciences particularly with regard to self interest in the wider context of hardship need squaring......