found out yesterday i have to apply for a chapter 6 too.., i backed into a parked car (raining) a couple of weeks ago .., reported myself then.., (ethics are difficult!!) .., and went to a financial advisor yesterday.., he said.., for a student.., its all i can do.., so i empathise with SGI (bankruptcy)

10 years ago i was making jewerlly overlooking the rice fields (now gone) in Ubud (Bali) .., ten i tried to do 'the right thing'., studying my ar...se off for the last 5 years and look where i am now.., a dingy student housing, and more pressure than a kolacanbare.