For at least the 1000th time I glanced at the stack of bills piled neatly on top of the refrigerator and still had no idea how they would ever get paid. It was early December 1980 and I had been out of work for most of the year with no immediate prospects of finding work. All of our savings we had struggled so hard to save for a down payment on our own home was now gone-used to live on and pay rent on the drafty old house my wife, myself and our 2 small children were living in. Just that very morning my parents and insisted that I take enough money from them to buy groceries and a couple of very inexpensive Christmas presents each for the kids . I had grudgingly accepted it - because we were nearly out of options. My wife had mentioned something about signing up for public assistance and that was the final straw to my wounded ego and pride- I had verbally