Let me pose a scenario for all of you to imagine in your daily lives. Suppose you and your significant other had just mortgaged all that you owned on an investment that you thought had the potential to secure your family for the foreseeable future. The debt was exorbitant; larger than anyone you knew or heard of. The scary part was that for the last few months your family’s income had been falling; things were getting really tight. To top it all off prices at the store kept constantly going up. Now also imagine that the family car began to show a bit of wear and tear; new brakes here, a belt there, and new water pump to boot. You and your significant other's livelihood depended on that transportation so you decided that something had to be done about the auto problem.