I don't think thats it knowledge able sir, I think that for some they are in transition, and healing from disabilities and such, meanwhile they (like myself) are planning something that will not only (money money money) care for me but pay all the agency you think I've wronged by my lifetime situations....and mostly struggles. Then after I save them Ill save the people like me that are special and entitled and the children before i go to what i call eternity and cant not take the loan with me...while you laugh and feel good about your self that i said that, I say....special and entitled those damn people sick with cancer or nerve damage....ass holes